vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. ACCOUNTS : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2023, I sent in documentations to verify my identity with Ally Financial services. I'm going to assume the information was recieved because they sent me a card on XX/XX/2023. On XX/XX/2023, I attempted to add my card to my XXXX XXXX account and I contacted to verify the information to successfully add it on to my account. However, when I was contacted I was told because I just got the account and because I didn't call from my number that's on file ( phone was dead ), that I needed to send all this information in again because they believe it's fraud. To be accused of doing fraud towards myself is beyond me and then each representative I spoke with had a disgusting attitude and demeanor. There's absolutely no reason why I need to keep sending all my personal information to this company because it's beginning to feel sketchy and fraudulent. I also want to put on record that I am lawyer. I've also uploaded proof that I sent this information to this company on XX/XX/2023.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Original Creditor : XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX that the debt is the result of identity theft. I Never opened a credit card with XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and XXXX take all actions required of you as a furnisher of information to credit reporting agencies. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX : I have attached to following documents FCRA 615 ( g ) ( 2 ) FTC Notice to Furnishers of Information FTC Identity Theft Report Police Report ( Pending Deputy Signature )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: Self Financial Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( XXXX ) Has violated several of my rights. 

15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy. 

15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose. 

Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: SC

Complaint narrative:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX XXXX XXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
IM THE VICTIM OF IDENTITY THET I HAVE PROOF AND I ALSO HAVE PROOF THAT EXPERIAN AGREED TO TAKE THE ACCOUNT DOWN BUT HAVENT FULLY COOPERATE WITH THERE ACTIONS, I NEED HELP IN ASSISTANCE OF GETTING THESE ACCOUNTS REMOVED ,15 USC code s 1681 CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE ACCURACY AND FAIRNESS OF CREDIT REPORTING. THE CONGRESS MAKES THE FOLLOWING FINDINGS : ( 1 ) THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CREDIT REPORTING. INACCURATE CREDIT REPORTS DIRECTLY IMPAIR THE EFFICIENCY OF THE BANKING SYSTEM AND UNFAIR CREDIT REPORTING, METHODS UNDERMINE THE PUBLIC CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIGATING AND EVALUATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMERS. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. PLEASE REMOVE THIS 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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been going back and forth with Experian to correct my consumer report and they have failed to properly investigate and correct the information. I have disputed late payments that I was never late on and now they are refusing to re-investigate. Me as the consumer has the right to have my report re-investigated any time I see incorrect information. I have never been late on the attached accounts and I am requesting to have these corrected.

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 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
I tried to cash my check and was told since you always complain we won't help you and we will etch on your check and do something to it if you come back. I came on a different shift and a XXXX girl was there by herself, she told me I just deleted your check out of every pls and bank and sent it to a fraud agency because we don't want you here. I tired to go to XXXX and they said that she had deleted my check it falsely accused me of fraud. I called the fraud hotline and they said that the original fraud reporting pls had to remove the fraud off of my check and give me my cash. I also called the manager and she said that I have to file a court case against the girl who illegally scammed my check and to my face she was 1 of 3 girls who told me not to come back and that the district manager told them not to deal with me because I tell on them and complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: SC

Complaint narrative:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX ( Original Creditor : XXXX XXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: SC

Complaint narrative:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX ( Original Creditor : XXXX XXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, 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 explanation
Consumer complaint received 2023-05-30 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
My information was impacted negatively by the XXXX XXXX XXXX. It has caused much agony and pain. It has destroyed my credit, I need items removed immediately from my consumer report or i will move forward with litigation and reporting to XXXX States Attorney General, and file a federal lawsuit for the improper use of my credit report agony with the anxiety, stress and depression this has caused 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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX ; XXXX XXXX  inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was charged a cash advance fee for a transaction that was incorrectly categorized. I asked Citi to grant a one time refund and they were unable to. I then asked to dispute the charge as the services were by definition not as described by the merchant. I was then hung up on by the representative and did not receive a call back.

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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I been having issues enrolling in online banking, I requested a RSA secure id ( already arrived ), but Im still waiting my debit card to enroll in online banking. 
Never arrived, so I nee to request a replacement debit card sent to my mailing address on profile.

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 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, filing this complaint independently without any involvement from a third party. I have attached letters to provide you with detailed information regarding the inaccurate reporting in my credit report. The reported information shows inconsistencies and untimely dates across the three credit bureaus : Transunion, XXXX, and 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 2023-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
They are not processing XXXX & I correctly the principle balance is increasing!!! Huntington not produce a copy of the loan agreement!!! XXXX XXXX is a friend of mine.

Company response to consumer: Closed with explanation