vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I have sent a letter to the bureaus many times but I always receive an email from them saying that I am not the one to send the letter? why? no one else sent for me but myself. please delete these accounts and inquiries.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management
State: OH

Complaint narrative:
Subject : Cease and Desist Unauthorized Credit Reporting Ohio FCRA Identity Theft Fraud Laws Reference Dear PLAZA SERVICES LLC, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Ohio Fair Credit Reporting Act ( FCRA ) under Sections 1349.191 ( A ) ( 2 ), 1349.192 ( A ) ( 2 ), and 1349.193 ( A ), the Ohio Identity Fraud Laws under Sections 2913.49 and 2913.51, and other relevant statutes. 

It has recently come to my attention that PLAZA SERVICES LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, as required by federal and state laws. The FCRA unequivocally mandates that the consent of the consumer is essential for such reporting activities under Section 1349.191 ( A ) ( 2 ).

Furthermore, Ohio state law, specifically Section 1349.191 ( A ) of the Ohio FCRA, underscores the necessity of consumer consent for credit reporting. Additionally, Section 1349.192 ( A ) ( 2 ) of the Ohio FCRA establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws in Ohio, such as Sections 2913.49 and 2913.51, emphasize the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for PLAZA SERVICES LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that PLAZA SERVICES LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1349.191 ( A ) ( 2 ) of the Ohio FCRA and other relevant state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the Ohio FCRA, state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PLAZA SERVICES LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax illegally reinserted XXXX XXXX XXXX  XXXX on my credit report after I submitted my dispute via CFPB # XXXX on XX/XX/year> and received the results via CFPB portal on XX/XX/year>. ( See Screenshots ) I initially disputed this account because my privacy rights were violated. FCRA Section 602 states I have a right to privacy.FCRA Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish information without written instructions from the consumer.

Equifax is in violation of the FCRA because the agency did not follow reasonable procedures when they illegally reinserted this information that should not have been reporting in the first place.

At this time my rights as a federally protected consumer have been violated further due to the reinsertion of this account. Remove XXXX XXXX XXXX  from my credit report again or I will seek legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account payment history is incorrect. Asked for statements showing late payment being received. The company didnt provide. Furthermore, the company held up unemployment benefits, where the money would have been used to pay auto loan accounts. Then reported the account as late. Payment History should be updated so reflect NEVER LATE or the four year old account should be removed from all credit agencies. Money settlement didnt resolve this issue.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account payment history is incorrect. Asked for statements showing late payment being received. The company didnt provide. Furthermore, the company held up unemployment benefits, where the money would have been used to pay auto loan accounts. Then reported the account as late. Payment History should be updated so reflect NEVER LATE or the four year old account should be removed from all credit agencies. Money settlement didnt resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I don't recall having a contractual relationship with this collection company Fair Collections & Outsourcing INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XXXX XXXX closed my account in 2022 after i reported unauthorized charges. the {$190.00} was left as unpaid and reported to chexsystems, now i can not open a checking account. /i had the balance paid down to {$0.00} then my account was hacked. i called XXXX XXXX immediately, this is when account was closed. still t this day someone is trying to make unauthorized charges on this account and its been closed for 16 months. i ask this fraud be removed from the chexsystems report, and account be credited for all unauthorized charges.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Delete this for inaccuracy because it continues to report payment activity after the closing date as OK. All this activity is invalid please remove this account. I request an investigation validating the true closing date this account has been re-aged. Also the Account number does not exist on any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
Ability Recovery Service has illegally obtained my personal information, this company is using my social security without my authorization or signature and is done UNDER DRESS. I spoke to a XXXX at ARS, on a recorded phone call ( XXXX ) and she said she was the secretary, manager & supervisor. This violation of 15 U.S code section $ 1692e false and misleading representation. and is saying collection debt on behalf of XXXX XXXX group is fraud. At common Law this is fraud and extortion. The lady who was on the other end phone, mocked me as i told her i practice common law, in which is my GOD give right, and that right was denied. The ARS is Tring collect a debt that's already pad paid. See, title 18 - 31 section 8, see title 31 section 3123. Under these obligations United States Exemption from taxation. an this company is violation the terms and provisions of the Unites States

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 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am the primary credit card holder XXXX XXXX of a WellsFargo credit card and I added my husband XXXX XXXX as an authorized signer. On Saturday, XX/XX/year>, I obtained the mail and received our new cards. We didnt activate them. On the next day, Sunday at XXXX XXXX  I received an alert showing that our cards were used for a purchase with XXXX XXXX for {$45.00}. Hello fresh is an old account of mine that had been deactivated and the new cards were never used on this account because it was never activated. 

This is the second charge with this company XXXX XXXX that I didnt authorized which is why I ordered new cards. The XXXX XXXX account was deactivated and closed once before. 

I never provided XXXX XXXX my new card information and the new cards were not activated My card information was given out to someone by the bank. That is the only explanation. My card never left my possession and my husband card never left his possession.

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 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TN

Complaint narrative:
i preordered a XXXX  from XXXX website portal at XXXX on XXXX the amount paid was {$100.00}. the order # ( ask me ). the model of the truck ordered was " XXXX XXXX XXXX Full Self-Driving Capability ''. i ordered under the email : ( ask me ) and XXXX sent me a confirmation email with all of this information. i paid for this with a debit card. XXXX had my cash for the preorder of the XXXX  for over 4 years. during this time they were holding my money as an interest free loan as i paid for a product i never received. after being fed up with the lies and delays and seeing that XXXX was canceling orders, i decided to cancel my order. it said on multiple sites including XXXX that XXXX was promoting cancelations due to not being able to deliver on what XXXX promised. and all money paid toward an order would be refunded in the event of a cancellation. the refunds were expected to go out within 30 days of cancellation. the day i canceled on was XXXX more than 30 days passed and i contacted XXXX through the only means available which was their service department which placed me on hold for hours. i called their sales department and all of their sales lines direct to a voicemail which was full. i then contacted online support for XXXX  and they directed me to the same lines i had called. i made follow up calls to resolve this and XXXX has not resolved it. i have only spoke with a person in the XXXX sales department. no one from service, sales, or support has attempted to reach out or correct the issue. since then i contacted my bank, US BANK, and they ran it through their fraud department and they laughed since several years had passed and they said that once it goes past 365 days, that becomes the account owners loss, so now XXXX has kept, ( STOLE ) my deposit for a truck, canceled my order and made it impossible through their own design to contact anyone regarding support. i know its a long shot and i will probably never get my money back but this is fraudulent on the part of XXXX plain and simple. XXXX promised me a product, they lied, they misled me, they stole my money and then they hid from me by making it impossible to contact anyone at XXXX for a refund. i have contacted my bank USBANK twice about the issue and they told me flat out that no refund was made and that XXXXXXXX XXXX XXXX and they arent willing to help me by providing proof of any kind that my refund was sent. since the payment was made so long ago the debit card it was made on expired and no one at USBANK is willing to help. i cant even contact anyone at XXXX. please help refund my money. i dont want these thieves and scammers to win another one. its total XXXX  that anyone would have to go through any of this.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
File a dispute with Experian to fix my incorrect address by removing those listed with the wrong apartment number, instead of removing incorrect address they removed all addresses and this action prevents all access to current credit report.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX xxxxxxxxxxxx XXXX is reporting some credit card account with an open date of XX/XX/2003 with a. balance of {$7000.00} there is no account status, and no date of first delinquency therefore it will not be flagged to drop off of my credit report. I have disputed this erroneous information numerous times and the creditor consistently verifies and confirms this account with no explanation. They failed to provide me with proof of the debt throughout many disputes. This is not my 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX xxxxxxxxxxxx XXXX is reporting some credit card account with an open date of XX/XX/2003 with a. balance of {$7000.00} there is no account status, and no date of first delinquency therefore it will not be flagged to drop off of my credit report. I have disputed this erroneous information numerous times and the creditor consistently verifies and confirms this account with no explanation. They failed to provide me with proof of the debt throughout many disputes. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX xxxxxxxxxxxx XXXX is reporting some credit card account with an open date of XX/XX/2003 with a. balance of {$7000.00} there is no account status, and no date of first delinquency therefore it will not be flagged to drop off of my credit report. I have disputed this erroneous information numerous times and the creditor consistently verifies and confirms this account with no explanation. They failed to provide me with proof of the debt throughout many disputes. This is not my 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 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I don't recall having a contractual relationship with this collection company PORTFOLIO RECOVERY ASSOCIATES LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Lowes closed my account due to wrong credit information. Company claimed my credit score was XXXX. My credit is over XXXX. Also, I was making payments and never late. So, now I have to deal with this account being on my credit report.

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