vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Dear XXXX, I previously wrote to you on XX/XX/XXXX, via the Consumer Financial Protection Bureau complaint portal ( Complaint Number : XXXX ) and on XX/XX/XXXX, via the Consumer Financial Protection Bureau complaint portal ( Complaint Number : XXXX ) requesting verification of your claim, by providing me with true and certified copies ( NOT photocopies ) of the Deed of Assignment ( Not the Notice of Assignment ) and Deed of Novation. I also requested the name of the individual who is the duly authorized representative from your company, who has seen the Original Note and is certifying these assignments as certified copies and that your company now has the Original Note ( Credit Agreement ) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account, and also confirmation of the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account.

This verification is required to validate your claim, so that I may settle any financial obligation I might lawfully owe. As you have failed to provide the documentation within the ten ( 10 ) days requested in my last correspondence, we are now in agreement to ; and have a lawfully binding tacit agreement comprising, the following terms : That you are a third party interloper ; That you have no legal standing ; That you have no first-hand knowledge of this matter ; That your claim is fraudulent ; That any damages I suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule ( 3X what they are claiming ) for dishonoring our agreement, XXXX per hour or part of it of Authorized Representatives time nunc pro tunc, XXXX per recorded delivery or any other form of response nunc pro tunc also any further contact is now not necessary, if however you deem a need to contact me by phone or letter the fee is XXXX per item payable in advance, place the check in the envelope, if no payment is made in advance the fee will rise to XXXX per item and you will also be held culpable for any cost incurred while recovering the debt you owe. 
Yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
I am filing this complaint because there are significant discrepancies in the information reported about my XXXX account ( Account Number : XXXX ) by the XXXX major credit bureaus : TransUnion XXXX XXXX XXXX and XXXX XXXX The Date of Last Activity, Date Opened, Date Closed, Creditor Type, Account Status, Payment Status, Last Payment, Term Length, and Account Type are all reported inconsistently across the bureaus. Despite a prior investigation, the inaccuracies remain, clearly demonstrating that the investigation was inadequate and failed to correct the erroneous information. This ongoing inaccuracy violates my rights under the Fair Credit Reporting Act ( FCRA ), as it results in misleading and inconsistent information on my credit report, which could negatively impact my financial standing.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I use bill pay regularly on my windows computer. Same computer I've always used. I use XXXXXXXX XXXX  ( and have tried XXXX XXXX as an alternate ). I can log into my online banking, however when I go to the bill pay section I get an error : " Something went wrong. We were unable to process your request. For help, visit a regions branch or call us at XXXX. '' This problem started on XX/XX/21 as we we were going through our bill pay payees and verifying what bill pay have been cashed or not by comparing them to our online transactions and/or bank statements. All of a sudden it stopped giving us access and gave us that message. We have updated the browser, clear cache/cookies, shut down and restart the computer, none of that worked. I called the XXXX number and put in a ticket. I also went into the branch and was able to see my bill pay profile on the bank 's window computer. I put in another ticket with them ticket XXXX. All in all, I should be able to access bill pay on any computer but specifically the same computer I always use using the XXXX address or internet service provider etc. My username is 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 2024-08-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I am filing a formal complaint against Selene Financial LP for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : Selene Financial LP shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt-out. This is against both Federal law ( XXXX XXXX  ) and New XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Lack of Consent : I told Selene Financial LP that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. 

Missing Documentation : I have asked Selene Financial LP twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( XXXX ). 

Identity Theft : By sharing my personal financial information without my consent, Selene Financial LP is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. 

Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates XXXX and other laws. 

I believe the contract is void and unenforceable, and I am seeking damages for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.Why did you report on XX/XX/year> for ( {$750.00} ) & ( {$390.00} ) According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. PLEASE Remove this XXXX off my Credit Report Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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:
These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- XXXX XXXX XXXX 15 U.S. Code 1681s2 : 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. 
- XXXX XXXX XXXX ( a ) and XXXX XXXX ( a ) ( XXXX ) : Duties After Notice of Dispute from XXXX. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- XXXX XXXX XXXX ( a ) ( XXXX ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: LA

Complaint narrative:
These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- XXXX XXXX XXXX 15 U.S. Code 1681s2 : 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. 
- XXXX XXXX XXXX ( a ) and XXXX XXXX ( a ) ( XXXX ) : Duties After Notice of Dispute from XXXX. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- XXXX XXXX XXXX ( a ) ( XXXX ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
Account info Account name ABILITY RECOVERY SERVICE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> XXXX {$1300.00} XXXX updated XX/XX/year> I called the phone number on collection and gave them my address. They did not have it nor did they have my correct information. Now I am getting false reporting of this debt on my credit report which i did not give them any sort of permission to report on my credit. I believe this is a party of fraud and have tried disputing the collection. I feel absolutely lost and taken advantage of. Please help me remove this account in no way was given my permission to use my information. I do not know what or who they are or why they are using my information including my credit report to falsely 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. lots of fraudulent/Marketing strategies happened. Attempting to charge me with amount that does not belong to me. If not resolved, I will sue for damages.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. lots of fraudulent/Marketing strategies happened. Attempting to charge me with amount that does not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this CREDIT BUREAU along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and these creditors and CREDIT BUREAU are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my XXXX notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. My XXXX notice of litigation will be a lawsuit suing this credit bureau, these company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was XXXX for XXXX years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, XXXX going to sue for my rights being violated, pain and suffering, false allegations from these creditors and credit bureau, and assisting to furnish wrong and fraudulent accounts. I demand all accounts be removed ASAP. 

Specifically, I refer to the following account : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These above addresses are fraudulent, and these perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX for XXXX years ; this is the XXXX notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On the date of XX/XX/XXXX I noticed a weird email from my credit apps saying I opened a new card with a lender. I quickly checked my banking apps and realized it was from american express. I was unsure and confused since I didnt sign up for any amex cards recently and for a long time. I looked through once again and noticed it was a new card design for my existing current amex personal card. On the date of XXXX XXXX I had lost my amex personal card copy and requested a replacement and after seeing the new inquiry I then realized I accidentally clicked on the new design instead of the existing gold design. I quickly reached out to the american express line and expressed my concerns. They proposed to me that the inquiry would be removed as soon as possible as it was an accident and was caused by me seeking my current amex gold replacement copy. I am writing this complaint on XX/XX/year>, and still have yet to get this accidental inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received the notice from above-mentioned office of yours which mentioned the security freeze and submission of identification documents. As I have stated same thing more than a half year, I am under the security freeze due to the incompetency of many agencies which should have the responsibilities of confidentiality of customers ; even though sometimes I wonder whether I asked some of companies to be the agencies after so many troubles with some agencies. Since already I have received many notices from attorneys in several states, I consider myself my identity was proved otherwise I was caught by the authority and forced to return to XXXX which might be happy option. I already asked the person in charge at your headquarters to extend my security freeze permanently, which I am not sure whether it has really happened. To avoid the confusion, I will write other address written in the document sent from your office. XXXX XXXX XXXX XXXX XXXX XXXX The letter was prepared on XX/XX/year>. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

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