vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hard Inquiry on report, I dont recognize, and did not Authorize to pull credit ... Through a 3rd party online company, .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
SPS is basically caught in violation of all XXXX XXXX XXXX XXXX. XXXX XXXX is part of a Wrongful Foreclosure with XXXX XXXX and XXXX XXXX Sheriffs. XXXX XXXX is selling off my information without Right, Consent or Contract with SPS employees stealing my ( our XXXX and I ) Identities creating new loans and debt with no contract. There is no mortgage. It is paid off, attached is the proof. XXXX XXXX is running now that I am suing them ... SPS just added themselves to it if no Out Of Court settlement for this Fraud and Mail Fraud. 
SPS must prove and show the contract XXXX and I have with them and we both know there is none = they now owe us Compensation. These contracts pertain to ARTIFICIAL LEGAL PERSONS so when you send mail to the ALL CAPS NAMES in attempts to extort the man or woman via the ARTIFICIAL PERSONS = 18 USC 1341/1342 Violations which I 100 % proved happened. 
I require/request CFPB to get my Compensation of {>= $1,000,000} per 18 USC 1341/1342 reads. 
SPS was faxed, mailed and called to CEASE AND DESIST ... they kept trying to contract and sending mail = MAIL-FRAUD and Harassment. If they attempts to send a man with a XXXX to my house to extort us for SPS = XXXX XXXX = XXXX defense activated. SPS & XXXX XXXX nor any other Corporation has STANDING to Collect, Foreclose, Auction or Administrate property ( man/woman ) via Color Of Law and ARTIFICIAL LEGAL PERSONS, the Mortgage Scheme is fullyexposed. The Foreclosure Defense Handbook shows it all and I back it up with an Audit and Proof of National Mortgage Contract Fraud using Grammatical Deception. The Legal/Legalese system fraud is exposed in all my cases. 
When you lower yourself to the U.C.C. = no immunity using your job/Color Of Law to steal proerty no one owns, lent money towards or is a real party of interest as CORPORATIONS can't talk, aren't real or can claim anything. 
So, SPS has until XXXX to show the contract or they're out millions/already owe me for 18 USC 1341/1342 Violations. 
I DEMAND/REQUIRE CFPB to go after XXXX XXXX and SPS for Contract Fraud & Identity Theft .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account Current LOBEL FINANCIAL CORP has reported Positive Activity : Account Current. 

XX/XX/XXXX Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. 
Source : XXXX XXXX : LOBEL FINANCIAL CORP Address : XXXX XXXX XXXX, XXXX, CA XXXX Current Status : ACCOUNT CURRENT Balance : {$8100.00} now Confirmation of Payment Request Received Payment Amount : {$930.00}, including service fee of {$5.00} Payment Date : XXXX XXXX, XXXX XXXX ET Payment Status : Approved Thank you. 

Lobel Financial. 

/-then PAID FOR THIS PreContract scam, THEY SAY THAT PART IS NOT COVERED. I specifically ask what is covered, when mechanic speaks with them, its not Covered like evert part, including the one they specifically told me was covered 4WD or AWD Vehicle OPTIONS : Air Conditioning Commercial Use +Day One Coverage +24 Months and Unlimited Miles. 
Drive Axle Electrical Fuel Seals & Gaskets Drive Battery Pack {$6000.00} Aggregate Limit Lift Kit & Tire Modification Service Drive ROADSIDE ASSISTANCE Full-TermDEDUCTIBLE {$100.00} {$0.00} CONTRACT PURCHASE DATE XX/XX/XXXX CONTRACT PUR PRICE : {$1600.00} SO NOT ONLY did. Lobel get a monthly premium of approximately {$350.00} but I was required to pay each month {$440.00} for the LDW coverage. This LDW coverage was in lieu of force-placing collateral-protection insurance and had been represented as a product where Lobel would pay for the cost of covered repairs and, in the event of a total vehicle loss, cancel the borrowers debt. 
Instead, They gave the run around n after roughly Five months at the collision repair shop, I was asked to get the car towed somewhere else Or pay storage fee, they tried but storage fees will be required car has been there nearly 6 months and Lobel was unprofessional and so i got car towed to mechanic shop. And thats when I realized i got cheated out of My pre contract add-on And immediately after leaving collision repair shop, its was reported Repossession, my Last payment of {$920.00} On XX/XX/XXXX Balance as of XX/XX/XXXX {$7400.00} Now I owe according to Lobel nearly XXXX dollars. I also will have to file a motion to reverse default judgement, I was completely unaware I was being sued, and still My credit continues to plummet because Lobel keeps reporting late payments to credit bureau with inaccurate dates for my payments and Amounts, and every time I Dispute they just keep winning and nothing happens rightfully on my End because here goes more interest fee And lates fees hiking The. Past due after the car was sold and wrote of a few time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
The personal information on my credit report is not accurate, such as incorrect addresses. I have not lived at these addresses. I am a victim of identity theft. Also, I have filed a complaint.

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 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX I sent a wire transfer to Citibank in XXXX XXXX  to be held in an escrow account for the purchase of a XXXX XXXX XXXX from a dealership called the XXXX XXXX. The money was not to be released until 10 days after the car was delivered. The car was not delivered and when my bank tried to reverse the wire transfer the money had been released.i feel the Citibank was involved in this fraudulent transaction.

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 2024-12-15 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccuracies on my credit reports from Experian. 

Specifically, there are multiple hard inquiries listed that lack permissible purpose and an account that remains unverified despite my request for validation. 

XXXX. Upon reviewing my credit report on XX/XX/XXXX, I identified several unauthorized hard inquiries made without my consent or a permissible purpose, as outlined under the Fair Credit Reporting Act ( FCRA ). These inquiries are unfairly impacting my credit score, and I have not initiated any business relationship or application with the listed companies that would justify such actions. I am formally requesting the immediate removal of these inquiries from my credit file, as they are in clear violation of FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Unverified Account Additionally, my credit report reflects an account under XXXX XXXX XXXX XXXX This account can not be verified as belonging to me, nor have I been provided with adequate documentation proving its validity. Under the FCRA, it is my right to demand that unverified information be removed from my credit reports. Request for ActionI kindly request the CFPBs assistance in addressing these inaccuracies and ensuring the credit bureaus fulfill their obligation to maintain accurate and fair information. 

Please keep me informed of the investigations progress and provide written confirmation once these inaccuracies have been corrected.Thank you for your time and attention to this matter. I appreciate your assistance in ensuring accountability among the credit reporting agencies. 

Sincerely, XXXX XXXX I have sent a copy of my drivers license ( front and back ) as proof of identity, along with my Social Security card to Experian XXXX XXXX XXXX XXXX, TX 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 2024-12-15 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: PA

Complaint narrative:
I was looking at my credit report and noticed the following account fraudulently reporting to my credit file : XXXX XXXX : XXXX. This account is fraudulent. Attached is the FTC report and my identifying documents. As per FCRA regulations, please remove this account from my credit file immediately. Thank you

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 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: DE

Complaint narrative:
I am writing to formally file a complaint regarding persistent harassment by XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and their now-hired debt collector, Stillman Law Office XXXX I have been contacted by these entities in relation to an account that is not mine, and their actions are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I made a formal request for proof that I owe the debt they claim, specifically asking for documentation with my signature showing that I signed an agreement related to the alleged debt. To date, I have not received any such documentation. Despite my clear request, the company has failed to provide evidence that I am responsible for this debt, continuing to harass me with calls, letters, and now, the involvement of Stillman Law Office. 

Furthermore, I have made it very clear to these entities that I do not want my personal information shared with third parties. Nevertheless, they have gone ahead and shared my personal information, including my Social Security number, with another company, violating my explicit request to remove and cease the sharing of my data. 

This situation has caused me significant distress, and I believe that their actions are in violation of the FCRA, as well as other consumer protection laws. Specifically, their failure to provide valid proof of debt and the unauthorized sharing of my personal information are clear violations of my rights. 

I request that the CFPB investigate these practices immediately, and help ensure that these companies cease and desist their unlawful actions. I would appreciate your guidance in resolving this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC
State: MI

Complaint narrative:
On XX/XX/2024, I filed arbitration with File Number XXXX against Gateway, and they have failed to respond to the arbitration proceedings. This failure to respond represents a clear breach of our agreed-upon arbitration agreement. By not participating in the arbitration process, Gateway has demonstrated a willful disregard for the contractual obligations outlined in our original agreement. As the complainant, I maintain the fundamental right to have my disputes heard in arbitration, and Gateway 's non-responsiveness should not prevent me from seeking resolution. Their silence does not negate my right to a fair hearing, and I am prepared to pursue all available legal remedies to ensure my claims are properly addressed. The arbitration administrator should be notified of Gateway 's non-compliance, and I am ready to seek appropriate next steps, which may include further legal enforcement of the arbitration process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX account on my credit report by Experian. The inaccurate reporting began when I noticed the charge-off status and past-due balance being listed on my credit report. This issue has persisted, and I believe the negative updates are incorrect. account is listed as charged-off, but a past-due balance of {$2800.00} is incorrectly reported. Additionally, there are 16 consecutive months of negative info updated every month, which I believe is a violation of the Fair Credit Reporting Act.The company involved in this issue is Experian, which is the consumer reporting agency responsible for reporting the inaccurate information. The furnisher of the incorrect information is XXXX.The inaccurate reporting has negatively affected my credit score and may hinder my ability to obtain credit or secure favorable interest rates. This has cost me employment opportunities It has caused distress and financial inconvenience for me and my young family.

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 2024-12-15 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: FL

Complaint narrative:
I find out a multiple late payments in my credit report by XXXX XXXX on all three major agencies. Experian, XXXX and XXXX. 

In accordance with the Third Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states, " I have the right to privacy. '' 15 USC 1681 section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 1 6 6 6 b, A creditor may not treat a payment on a credit card account under an open and 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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Between XXXX 2022, I was using job hiring searches such as XXXX  and XXXX XXXX to find job listings. Having recently retired from XXXX  years of military service, I needed to find employment. 

One hiring agent reached out to me about a position, and agreed that we speak through their communication channel known as 'XXXX  '. This company had a website and all the inner workings as a legit company. It was a position where I'd work from home and they would provide all related equipment ( computer/headphones/mouse/etc ). Through dialogue thru the XXXX app, the company started sending checks to purchase required equipment on my own. Once deposit attempts were made, my bank, USAA, immediately shut down my account, and cut ties with me just as quickly. Any remaining funds in the account were immediately seized, as this account was linked to some bill payments. 

Several attempts were made to reach out to USAA reps ( who provided no information or reasoning ) to get some reconciliation on the matter. When I tried to open another checking account with another bank, they kept the deposit and froze the account citing there is a fraud alert on my name from another bank ( USAA ). A couple letters were written as well with little to no response. 

I reached out to the USAA CEO 's office and an rep called back in about a week saying that the matter was resolved, agreed that I had been frauded, and that there is no more issues with the matter. USAA, however, continues to refuse to bank with me ( to which i'm not concerned ) and the fraud alert still remains on my name and SSN.

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 2024-12-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im in the process of a mortgage loan and every time my lender tries to run my credit this appears.

APPLICANT FILE UNAVAILABLE ; APPLICANT INFORMATION FROM THEINQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT ORMISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FORDELIVERY. Please have the consumer contact Equifax Consumer Relations XXXX or contact XXXXXXXX XXXX XXXX at XXXX I contacted them to fix the issue multiple times starting XX/XX/XXXX, I sent them photos of my social and State Driver License. Which they stated they needed and still have not fixed anything. If this issue is not fixed by the XXXX I will lose my mortgage approval. 

I have verified my information multiple times with them and they still dont do anything. Ive had them keep me on hold for XXXX minutes then they hang up on me. I asked them if there was any freezes on my account and they say no. 

I really need this issue fixed if not I will pursue legal action. Because I sent them personal documents with private information and they have not done anything with them or miss placed them, which is unprofessional and irresponsable.

Company response to consumer: Closed with explanation