vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My car loan was paid off in XXXX of 2021, Ally is still reporting my account is past due because there are some late fees owed. My loan with them is paid off, I have no monthly payment amount that is due with them anymore. The late fees are owed so I can get my title. The money I borrowed was pad back in full. Late fees can not be considered past due because they are not part of my monthly payment. There is no due date for late fees and no specific amount to be paid monthly. Late fees can not be considered 30 days late if there is no due date for them. 
I am requesting a full statement on all late fees incurred for each month Ally is saying late fees are owed. 
I am requesting any late payments reported due to late fees owed to be removed from my credit report promptly. 
You can not report late fees 30 days late once loan is paid off, these are fees to be paid to get the title for the vehicle used as collateral for loan. 
I have a letter from Ally showing XXXX balance for financed amount owed and the letter says the late fee amount is to be paid in one payment. I did not have the amount owed for late fees at time due to covid 19 and job and income issues. The letter from Ally does not list a monthly payment amount or due date for the late fees. The letter states " it is necessary to clear these charges to avoid further delay to process title ''. Again no due date or monthly payment amount is listed so how can a payment be considered 30 days late with no due date listed. 
I called Ally on XXXX and XXXX and spent hours on the phone to get issued resolved and kept getting transferred from one person to the next and no one took the time to help 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 2022-05-28 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: DISCOVER BANK
State: DC

Complaint narrative:
In accordance with the fair credit report act XXXX  account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Requesting assignment of debt. When the debt was purchased. Who signed for the debt to include original copy of application to prove they have legal right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: GA

Complaint narrative:
On XX/XX/XXXX, Equifax opened a dispute request sent certified mail on my behalf for my XXXX XXXX account. The dispute was in regards to ( 2 ) 30 day late payments for XX/XX/XXXX and XX/XX/XXXX. I informed Equifax that the payment for XX/XX/XXXX was never late and the payment for XX/XX/XXXX should not have been reported late under the Cares Act. Per the Cares Act, the law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The Other Relief for my account was : I requested for my late fees to be waived due to being sick and out of work. I was granted this accommodation for my XXXX XXXX account. I submitted documentation along with my dispute request which consisted of the communication between myself and XXXX XXXX via their chat system online. Equifax closed the dispute request on XX/XX/XXXX but did not correct my Payment History and Payment Status. I have attached the same documentation to this complaint that was submitted to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act : 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 Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number 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 2022-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- Pease send validation of alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 

If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 


I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-28 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: NV

Complaint narrative:
Personal information is incorrect and closed accounts showing as opened and theres a lot of fraudulent accounts opened by identy theft but all the companies keep saying everything is accurate when its not this isnt fair to me and my credit my information was jeopardized and now my credit is ruined and I have to pay for everything thats not right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: NV

Complaint narrative:
Personal information is incorrect and closed accounts showing as opened and theres a lot of fraudulent accounts opened by identy theft but all the companies keep saying everything is accurate when its not this isnt fair to me and my credit my information was jeopardized and now my credit is ruined and I have to pay for everything thats not right

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 2022-05-28 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: Grain Technology, Inc.
State: DC

Complaint narrative:
In accordance with the fair credit report act XXXX  account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 2. Identity Theft XXXX 'S Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 4. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. 15 U.S Code 1666 ( b ) XXXX XXXX Account Number : XXXX invalid late payments - Payments were submitted on time from my account, XXXX of not pulled in time but was paid on time 6. 15 U.S. Code 1692g - Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 11. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
HIGH IN 2018 I SIGNED UPED AND UPTAINED A PAYPAL CREDIT CARD I THEN LINKED MY CREDIT CARD TO MY BANK AND XXXX AND OTHER SITES TO RECIRVE ALL MY MONEY THAT WAS COMING IN TO MY ACCOUNT SO MY JOBS WERE SENDING PAYMENTS FOR ME, I HAVE BEEN GOING THRU IDENITY THIEF SINCE XXXX OF XXXX I THEN UPGRADED MY ACCOUNT TO A PAYPAL CASH MONEY PASS ACCONT, RECIEVED MY CREDIT CARDS, WHEN I REACHED OUT TO THEM ABOUT TGE PROBLEM I WAS HAVING WITH MY ACCOUNTS BEING HACKED, THEY FAILED TO FIX THE PROBLEM. OVER THEY ALSO DID NOT PUT MY MONEY INTO MY PAYPAL ACCOUNT, R ON MY CREDIT CARDS, I JAVE TAKEN ZHE PROPER STEPS AND REPORTED THIS TO THE HIGHER AUTHORIES, ALSO THE GOVERNOR, I AM CLAIMING MY FRAUD INSURANCE AND MY LOST WALLET PREVENTION CLAIMS, THANK YOU HAVE A BLESSED DAY XXXX XXXX XXXX XXXX I WOULD LIKE TO RECIEVE COMPENSATION AND ALL MY MONEY RETURNED TO ME AND THE PEOPLE WHO ARE DOING THE IDENITY THIEF ARRESSTED CAUSE SOMEBODY IN THIS DEPARTMENT IS COMMITING FRAUD AND IDENITY THIEF, FOR I HAVE NOT AUTHORIZED NOBODY TO SEND R RECIEVE ANY OF MY MONEY NEVER ..., I HAVE EVIDENCE ITS MY ACCOUNT...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Pease send validation of alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified 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 non-monetary relief
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions bank has been posting transactions and credits out of order for customers to get overdraft fees.

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 2022-05-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated 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 an account without my written instructions

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 2022-05-28 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX via XXXX for the amount of {$540.00}. 
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX via XXXX for the amount of {$330.00}. 
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX for the amount of {$1000.00}. 

On date XX/XX/2022, a fraudulent charge was found on the Barclays AAdvantage Aviator card account, and the same card was closed by Barclays due to security concerns. A new AAdvantage Aviator credit card ending with XXXX was then subsequently issued as replacement. 

On date XX/XX/2022, a refund of {$110.00} dollars was issued by vender XXXX back to the original credit card ending in XXXX. 
On date XX/XX/2022, a refund of {$540.00} dollars was issued by vender XXXX back to the original credit card ending in XXXX. 
On date XX/XX/2022, a refund of {$1000.00} dollars was issued by XXXX XXXX back to the original credit card ending in XXXX. 

As of today, non of the aforementioned refund was received on my credit card account. Barclays has held my money for the amount of {$1600.00} for weeks now.

Several phone communications to Barclays were made to no avail. Barclays has turned a would be simple and automated refund transaction into completely unnecessary uncertainty and wait game. I urge barclays card to do the right thing and stop holding my hard earned money hostage.

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 2022-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I received a home call from a sales person from XXXX XXXX XXXX who outright lied and said that the equipment is free but I had to pay a monthly payment of {$96.00} to keep my security services active. When I was signing up for the fake monthly security services, I received an email looking to confirm my line of credit for {$4000.00}. I did not confirm the loan and told the representative that I was not interested and that told him that he did not disclose that this would be a {$4000.00} loan and I let him know that I was not interested. He apologized and said that he was new and had not been trained and did not know that this was a loan to finance the equipment. I received a text the next day from Citizens and I called to let them know what happened with XXXX and that I wanted to dispute the charges because I didn't accept the security equipment and I didn't confirm the loan online electronically. They told me that they could not close the account for 30 days after I explained that no account should have been opened because I didn't sign for a line of credit. I would like to dispute the charge and report XXXX for misrepresenting their terms. I am not trying to get into debt and acquire a {$4000.00} loan and if that would have been disclosed, a line of credit would not have been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: DISCOVER BANK
State: DC

Complaint narrative:
In accordance with the fair credit report act XXXX account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, Experian responded with dispute results for Report Number XXXX for my XXXX XXXX account. The dispute was in regards to ( 2 ) XXXX day late payments for XX/XX/XXXX and XX/XX/XXXX. I informed Experian that the payment for XX/XX/XXXX was never late and the payment for XX/XX/XXXX should not have been reported late under the Cares Act. Per the Cares Act, the law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The Other Relief for my account was : I requested for my late fees to be waived due to being sick and out of work. I was granted this accommodation for my XXXX XXXX account. I submitted documentation along with my dispute request which consisted of the communication between myself and XXXX XXXX via their chat system online. Experian closed the dispute request on XX/XX/XXXX but did not correct my Payment History and Payment Status. I have attached the same documentation to this complaint that was submitted to Experian.

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