vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
XXXX you reported inaccurate information.. US DEPT. OF EDUCATION/XXXX XXXXXXXX Experian you reported inaccurate information.. US DEPT OF EDXXXX XXXX XXXX you reported inaccurate information.. XXXX. 
XXXX These accounts has been furnished..

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX, XXXX, EXPERIAN have aided this fraud by not verifying these account. 

An identification of me has been used without my permission to open several accounts that has damaged my reputation and damaged my mode of living because you furnished a consumer report without my permission as stated by Federal law.

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 2023-04-07 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: LCI Acquisition Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX & XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX  Site coordinator Account name : XXXX XXXX XXXX  Account name : XXXX XXXX retailer Account name : XXXX XXXX violates my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
The collector is XXXX. Originally Fortiva with XXXX XXXX system. XXXX in total is owed. In early XXXX the company contacted my stepsons mother who was away on vacation regarding the bill. Not sure how they found her number and I do not share my business with her nor are we close friends. Two weeks later, they contacted my stepson about this same bill. I spoke to XXXX and her manager indicating I was not sure when I would be able to pay possibly at the end of the month. I do want to rectify it. They continue to harass and call repeatedly on different local numbers. Each one I block. They are now sending emails to my email account as recently as of last week, around XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, it is EQUIFAX 's duty to be reporting correct and accurate information on my credit report and file- however they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of a 90 day late payment on XX/XX/2016 and XX/XX/2016. These are incorrect and supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to the transactions or experiences between the consumer and the person making the report. A transaction constitutes these inaccurate late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). I is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
1. AMSHER COLLECTION SERV # XXXX is violating my consumer rights by reporting negatively on my credit report. 

XXXX. XXXX XXXX XXXX # XXXX This is a direct violation of my consumer rights!! They are debt collectors not licensed in the state of Florida to collect debt, I've asked accounts to be removed by both XXXX and XXXX XXXX XXXX both have failed to removed the erroneous accounts from my report. 

This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating my rights. I'll also be reporting them to the FDCPA as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Summary : Chase Bank opened and removed the contents ( containing gold, jewelry, & family heirlooms ) of my active safety deposit box and sent it to unclaimed property without my notice. All my accounts are paid for and up to date. I have had a safety deposit box at the Chase Bank located at XXXX XXXX XXXX, XXXX CA XXXX for over 20 years and it was provided as a promotional box with my premier checking account. 

On XX/XX/23 I was sent an automatic payment notice with annual rent for my safety deposit box size XXXX due XX/XX/23. 

On XX/XX/23 I went to visit my safety deposit box and with the witness of 2 bank attendees XXXX XXXX XXXX and XXXX XXXX, I discovered box was empty. The Assistant Manager XXXX XXXX indicated that they had been audited and my contents were removed. She said my belongings were turned over to unclaimed property. She indicated there would be a claim process to recover my contents and I needed to provide an inventory list. 

On XX/XX/23 I returned to question why my box was moved without notification. I requested their records on the date they sent the notification, address, phone number they called, as all my info is up to date and I have an active account that I use frequently. XXXX said she was unable to provide me that. I asked for the auditing paperwork and history they had on my box and she said no, again not able to provide me anything. They did not admit mistake or wrongdoing. A police incident report was filed that day with XXXX XXXX and XXXX at the branch. I have also called the corporate office in which XXXX XXXX filed a complaint with executive management. 

Per the Safe Deposit Box Lease Agreement, the bank should not have had access to remove any contents of my active box and if they needed to relocate should have provided notice. They instead sent me my annual rent notice, to a box that had been drilled into and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off my XXXX XXXX Credit Card Ending in XXXX for {$10000.00} on XXXX XXXX. I was told on a phone call on XX/XX/XXXX at XXXX CST for 6:07 seconds that the account was closed, paid in full, and no further payment were needed as the account was in good standing. See attached documents proving the card was paid off in full. How can there be late payments on the account if theres a balance of XXXX? Somehow there are now late payments from XX/XX/XXXX to XX/XX/XXXX. I asked Transunion and XXXX to verify the account and they deemed it accurate. My credit report of Transunion XXXX XXXX are still showing these inaccuracies. According to USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for hearing my complaint and I look forward to hearing from you soon.

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 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and i am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX. XXXX, XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/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 2023-04-07 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and i am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX. XXXX, XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I received an alert from my credit monitoring app on XX/XX/2023 that a new account was added to my report. This account was opened XX/XX/2023. I did not apply for this card, nor did I receive it. The address they gave for the fraudulent card is XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I have never lived in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had TWO late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of t
heir ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
It appears XXXX XXXX the man acting as CEO of RESURGENT CAPITAL SERVICES obtained this account by way of material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and California Penal Code 530.5 PC as XXXX XXXXXXXX XXXX XXXXXXXX XXXX did not legally obtain consent to sale, transfer or disclose any account information with RESURGENT CAPITAL SERVICES company or any other third party ; Additionally, XXXX XXXX XXXX failed to provide the consumer with FULL disclosure regarding their intent to do so. Failure to provide FULL disclosure of material information constitutes unfair methods of competition and unfair and deceptive acts of FRAUD. RESURGENT CAPITAL SERVICES or any other of the company names they try to use DOES NOT HAVE A CONTRACT WITH ME. 

XXXX XXXX and RESURGENT CAPITAL SERVICES was sent a AFFIDAVIT OF TRUTH CEASE AND DESIST on XX/XX/2022, and the UNITED STATES POSTAL SERVICES confirmed the Respondent received the above mentioned notice on XX/XX/2022, at XXXX XXXX  to which XXXX XXXX and RESURGENT CAPITAL SERVICES did not cease and desist and the AFFIDAVIT OF TRUTH CEASE AND DESIST still remains unrebutted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 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: IL

Complaint narrative:
I have previously submitted my complaint with the credit bureaus and later to the CFPB. To no avail, an account is still reflecting incorrectly on my credit file. CFPB has not failed to help me get this issue resolved and I still have not been monetarily compensated. Now I am being charged even higher rates and am being affected from finding an apartment. 
The account in question is XXXX XXXX ACCOUNT NUMBER XXXX ADDRESS XXXX XXXX XXXX XXXX, TX XXXX is still only reflecting incorrectly on XXXX AND NOT EQUIFAX OR XXXX. The information across all three reports is inconsistent and go against the laws regulations which state information should be consistent and after the investigation 30 days if it is not fix it needs to be removed. This needs to be fix and completely removed since all three bureaus continue to refuse to actually update my credit file with consistent information. It has now been 90 days and this issue still isn't fixed and their investigation only left me with more fees. I have attached the credit reports with show the inconsistent information. XXXX XXXX is on XXXX and not on Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SERVISFIRST BANCSHARES, INC.
State: AL

Complaint narrative:
On XX/XX/2023 my loan statement showed an amount due of {$430.00}. The amount due was equal to the interest - i.e., no amount was going toward principal. I made a payment of {$500.00} so that some of the principal would be paid off. This month ( today ), I received a new billl and the payment is now {$520.00} - again, this is only the interest on the loan - no principal is being paid down. I had previously called the bank ( XXXX in XXXXXXXX XXXX ) to inquire about my payment and they could not tell me the amount that was due each month. This is not an adjustable rate loan. I have been making rgular payments on this loan for years and the principal has been reduced by less than {$5000.00} versus the original loan amount. Since the payments increase every time I pay an additional amount and the change is reflected as interest only in the amount due, the way this is set up is such that the loan will never be able to be paid off and no matter what extra I pay, they keep raising the payment the next month and making the amount due only the interest on the loan. Something seems seriously wrong with this. As it stands, it's impossible to make automated payments on this account and have the payments applled toward the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account XX/XX/22 and I received a email saying to sign the signature document. I never received a text message confirmation to let me login. So a week later I activated my card and added all the money I had thinking it was okay. I tried to purchase something I got declined over 10 times. So I called the bank they said I had to wait until the deposit post. In order to release the new account hold. So thats what I did. The card didnt work. I called in they said I had to come to a branch which isnt accessible to me because I dont have a car right now and the branch is over an hour away. A representative told me I could fax the document in. Thats what I did on XXXX its been 3 days. I called back today and got told they didnt received it. However I called yesterday and the representative said the document isnt pending no more which is good sign and to give it a business day. I did I called multiple times today. They representatives said they couldnt do anything and to go to a branch. Like I stated earlier I have no transportation to go far away ( an hour away ). I asked if I could just closed the account and they told me to go to a branch. Its a continuous loop. I just want my money. They let me add money but will not let me use or withdraw it. Which doesnt make sense to 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 non-monetary relief
Consumer complaint received 2023-04-08 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: TX

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I responded to a promotion to open an account at citi bank.It said If you open and fund an account and keep it open about 2 or 3 month you will receive a bonus based on the amount. It said you could withdraw some of your money but then your bonus would be smaller or XXXX based on your deposit amount. 
I opened and funded the account with $ XXXX which I transferred from my account at XXXX. 
Then I needed some of the money, so I transferred $ XXXX back to my XXXX account. 
I then received and Email from citi that I have violated the bank rules and so my account will be closed. It did not say what was the violation. it said the closing of account can take up to 2 month! and if I need the money sooner I should call their XXXX number or go to a branch. I decided to send the remaining $ XXXX to my broker account at XXXX XXXX which I did and money was send to XXXX. I was glad I was done with citi, such a bad experience. 
But the next day money was gone from my broker account. I called them they said citi has recalled the XXXX. I said its my money I did not ask for or approve this transfer. They said citi told them I have done some sort of fraud and they have to have the money back. based on that XXXX also disalowed my trading! 
I called the citi XXXX number, they could not tell me why they have a right to hold my money. I also went to their branch in XXXX XXXX, again they just gave me wrong and useless direction. and finally I was told nothing I can do. the bank will send you the money when they want, could be 2 month! 
The have ruined my reputation with my broker. They have held on to my money for no reason illegaly. I have been treated like a criminal whiteout any explanation. Obviously the bank has made a mistake. I need my money immediately.

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 2023-04-08 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: TX

Complaint narrative:
I am writing to complain about Experian 's failure to remove inaccurate and unverified items from my credit report despite my submission of all necessary documentation, including Identity Theft affidavits and police reports. The items in question are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Furthermore, I am concerned that Experian may be in violation of the Fair Credit Reporting Act by not properly recording and considering the documents I have submitted, and by potentially disclosing my personal information to the companies in question during the dispute resolution process.

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