vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have asked for my over payment returned to me by check then by transfer as per their instructions, all have failed. Then the they required proof of my account belonging to me! 

I closed this account last month and was told I could reopen in within 60 days however today they reneged on that promise also. 

My card is " XXXX '' XXXX. XXXX XXXX XXXX XXXX, SD XXXX. Phone # XXXX I will again try to send them proof of my account. 

This is a ridicules demand. 

Most likely designed to delay a customers money. 

I request my money be returned with interest. The same they would charge me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on XX/XX/2021 i sent out a dispute to the credit bureau. as of today there is no word on that dispute. i was affected by the equifax data breach and would like these errors removed from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, my mother contacted Midland Financing offering to pay off the balance owed so that it would be removed from my credit report. She spoke to XXXX XXXX at Midland, who helped her arrange to pay 75 % of the balance. At that point, they said they would mark the account as paid off and have it removed from my credit report. My mother paid the 75 % and was told that it would be removed shortly. I did not receive any notification of when this would be. I also never received any documentation that the amount was paid, which Midland said that I would. When I checked my credit report in XX/XX/XXXX for a loan, I found out that the account with Midland was still on the report. I went to Midland 's website, where they gave me another person 's entire credit information with them. I had to call to get my own correct information. When I spoke to them on the phone in XX/XX/XXXX and XX/XX/XXXX, they showed that we paid the 75 % lump payment but not that they had agreed to discharge the debt. At least one person admitted on the phone to me that my account was so old that it did not have proper notes. When I spoke to them in XXXX, Midland said that they would do a self-investigation and let me know the results within 90 days. I waited. In XX/XX/XXXX, when I still had not heard from them, I contacted them via phone again ( as the website still showed the incorrect person 's account ). Unsurprisingly, they investigated themselves and found they acted properly. They still could not find the proper files for my account ( except for the amount owed ), so they referred me to their lawyers XXXX XXXX XXXX, who will not return my phone calls. Now Midland is calling me demanding the 25 % remaining that they were supposed to mark off. I do not feel, if I paid a portion of that remaining balance to discharge the debt, that they would accurately update my account information, per their own admissions regarding record keeping. While I myself might have dropped the ball, so to say, regarding harassing them to keep my information up to date, I certainly am not the one who lost records of an entire account being paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I sent a letter for an unauthorized inquiry to my consumer report, demanding {$1000.00} settlement. It was delivered to SYNCB/ BP DC on XX/XX/XXXX and I received it XX/XX/XXXX with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To make a long story short I finally decided to start the process of buying a house and not rent because its just costing to much on rent. The bank denied me and I went to look at my credit to see why or if its something small i can handle and I saw alot of things on my credit that is not mine. I filed this with the FTC and I also call the police here in XXXX. I also saw a banktuptcy and I dont know where that even came from. I talked to my friend who is an attorney and called the bankruptcy court and the clerk said I did not have a bankruptcy filed with my social security number and she told me to call another place XXXX XXXX and they said the exact same thing. There are also some student loans and I barely finished highs school so I know I didnt go to college. Here are the accounts im talking about XXXX XXXX, XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, USDOE/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX and the inquries is XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Can someone help me Im doing this by myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage Corporation is in violation of 15 U.S.C 1666. ( b ) ( 4 ). Which states, the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Credit was extended to me based on my credit card, which is my social security card and means that the statement shows a positive balance as it relates to the balance owed when it should reflect a negative balance if it is actually owed. Since it reflects incorrectly this is a direct violation. 

Fact, I am sure the removal of any and all alleged delinquent payment history and account information from your website, company records, consumer bureaus or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights wont be violated due to my lack of consent, 15 U.S.C 1681b ( 2 ) Fact, please show good faith in this matter by expediting the securing of the alleged delinquent payment history, information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of defamation of character. 

Fact, 15 U.S.C 1666. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Resurgent Capital Services XXXX, has been falsely, reporting, negative information to the credit bureaus, claiming, that I owe them money. 
I have never entered into any agreement with them, ( legal or written ), I've never signed any papers with them ; however, this negative information has devastated my credit file. It has also been removed from my credit report on multiple occasions, but LVNV Funding will pick it up begin reporting it.

I have uploaded documents as to where I'm asking for proof of my own any monetary settlement, as we as proof of me owing them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted my original ftc report on XX/XX/21 and the accounts was not removed or block. Experian is taking it upon themselves to do what they want instead of following the law. The law states that anything included in a ftc report should be removed from the report in 4 days. Always I know my rights as a consumer, I am the original creditor and only I can validate any alleged debt. Experian keep says that these accounts have been validated by the creditors but have not provided any written proof from the creditors of this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/2021 RE : FRAUDULENT INFORMATION ON CREDIT REPORT I have filed multiple disputes with Equifax regarding this fraudulent address and want it removed. 
I checked my credit report via the Equifax site on XX/XX/2021 and found that this fraudulent address is still on my report. 

I HAVE NEVER LIVED at the address listed below and dont know anyone who does or ever did. 

Remove this fraudulent address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Equifax needs to remove this fraudulent address because I am not associated with it in any way and never have been. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Macys department store has not come clean. I have two accounts and no credit cards! Its been some years maybe 8 since I had and used the XXXX XXXX/Macys card. They contacted me and stated they were no longer using XXXX XXXX-backed macys cards but would send a replacement. XXXX have used it once or twice. But since misplaced and called and received a new card. Now when I happen to be in the city I use my ID for the XXXX purchases. This year I have had a balance each month I pay off in full. I try to use the automated teller but I am unsuccessful each and every time because the robotic voice transfers me to a person to pay and I am charged a {$5.00} fee. I want to fight any fees charged because I put in my social security number and I get nowhere. They say I have no account number or the wrong account number. I received a notice for another account about changing the policy on late fees. I am unable to get clarity on my account or any accounts associated with MY social security number. The calls are routed to another part of the world outside the XXXX XXXX where I cant get satisfaction of oversight or assurance,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/21 I paid XXXX for my grandmother 's funeral. At that time, I was told by Mr. XXXX, the funeral director, I would be reimbursed for the funeral expense 's once the policy paid out. XXXX XXXX XXXX XXXX received a second payment from the XXXX XXXX company and then gave my money ... my refund to other parties instead of refunding to the original form of payment ... my Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XX/XX/2021 RE : FRAUDULENT INFORMATION ON CREDIT REPORT I have filed multiple disputes with Experian regarding this fraudulent address and want it removed. 
I checked my credit report via the XXXX  site on XX/XX/2021 and found that this fraudulent address is still on my report. 

I spoke with a representative at Experian on XX/XX/2021 and was assured my name would be corrected to be XXXX XXXX but it is still showing as XXXX XXXX which is incorrect. 

I HAVE NEVER LIVED at the address listed below and dont know anyone who does or ever did. 

Remove this fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Experian needs to remove this fraudulent address because I am not associated with it in any way and never have been. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FISERV FINXACT CORE
State: HI

Complaint narrative:
Receive a notice of unpaid electronic fund transfer from Trs recovery services They are charging me {$50.00} for each notice Which Ive never ever seen this in my life or heard of telecheck services They wrote The above electronic fund transfer was returned by your financial institution unpaid. Telecheck services ( telecheck ) now owns this dishonored eft and has placed the debt with Trs recovery services ( Trs ) for collection .telecheck has also entered information regarding this debt into its nationwide database, as a result until this item is resolved I literally dont understand what they are talking about and I may need help with this

Company response to consumer: Closed with explanation