vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
Refer to CFPB complaint XXXX for background with my issues with USAA. 

As a result of their admission of fault in the result of cancelling my accounts without merit, I discovered they reported an open credit card account for the month of XXXX. 

Referring to the response from USAA on CFPB complaint XXXX : " XXXX XXXX, XXXX staff facilitated a re-review of the decision to discontinue doing business with you. It was determined that the decision was made in error, and steps were taken to reverse the actions taken and the restrictions were removed. We addressed the identified opportunity with the individual involved, to ensure appropriate handling of similar situations moving forward. We regret any frustration you experienced. '' If you refer to the CFPB complaint, you will note that I was informed ( apparently ) on XX/XX/XXXX by " XXXX '' that my accounts were closed. I learned this in a call with the Office of the CEO on XX/XX/XXXX - check the call recording. This was in the notes of the action made by " XXXX  '' when she went to cancel me. In the attached document, you'll note the credit card was opened in XXXX, after I was cancelled by " XXXX '', yet the result from the CFPB complaint was in XXXX. 

I have never used this account, did not have access to it, did not activate any cards with the account. 

I've tried to dispute this invalid credit card account via the Credit Bureaus, and so far XXXX has reported that USAA has rejected this as " open '' still. At the same time that I closed the checking/savings account, I also asked to close this " ghost '' credit card account. 

I have been rejected for new credit cards from other institutions because of this " ghost '' account showing on my record. 

My credit score has dropped XXXX points as a result of these action ( s ) by USAA and the unjust retribution actions by employee " XXXX  '', with USAA falling in line with those actions until CFPB complaint XXXX was filed and those unjust actions reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX XXXX, na was on XX/XX/XXXX in the amount of {$100.00}. My balance was {$330.00} at the time. On XXXX, the account was closed and charged off with XXXX XXXX XXXX On XX/XX/XXXX, LVNV Funding, LLC acquired the account. I Received Several Emails, and Calls from XXXX XXXX XXXX XXXX XXXX ) and Resurgent Capital Services XXXX XXXX ). I have Disputed the account and requested to verify the correct balance. 
LVNV Violated, " The completion of the period of limitation prescribed to bar any action shall defeat and extinguish the right as well as the remedy. '' XXXX XXXX. 
The statute of limitation clock starts when the contract is breached. Typically, this means 30 days after the date of the last full payment. 

Also, Misleading representation, will XXXX different companies stating that they are collecting debt for LNVN, Funding relating to a charge off account with XXXX XXXX XXXX 


Futhermore, On XX/XX/XXXX a summons was issued by LNVNL Funding, LLC XXXX XXXX XXXX XXXX to appear in XXXX XXXX XXXX XXXX regarding the collections debt matter. ( XXXX XXXX. : XXXX ), delclaring that I pay {$780.00}, plus judgement interest at 8 %. 
The declaration stated that LVNV Funding, LLC ( Plaintiff ) " Through Counsel '' sent ( Defendant ) a correspondence demanding payment on this account. 

I never received Correspondence through counsel demanding payment for the account. 

Also, I was never served summons, as there is no proof of summons. I so happen to be walking in my front yard and notice a paper on the ground. 

On XX/XX/XXXX, I contact XXXX XXXX group and spoke to a XXXX who identified himself as the vice president of the company. He was rude and wouldn't hear anything I had to say regarding this matter. 

I went to the company 's website and saw that that did not have a " XXXX XXXX listed on their website and through Mississippi XXXX of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # 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 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # 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 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
On XX/XX/2023 I called Fair Credit Sourcing to set up a payment arrangement for a debt ( I've disputed the amount several times ) I owe to XXXX XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX. I explained numerous times that I'd like to set up a monthly payment arrangement. I informed her that I am facing a slight housing crisis : I'm currently renting a room for {$2100.00} ( Please see month to month to month lease attached ). 
XXXX XXXX then told me my options : A : pay XXXX today B. pay {$2900.00} today I then explained that I'm trying to move into a new apartment XX/XX/XXXX, in which the landlord is requiring first month, last month, and a full month of security, therefore at this time I can not afford either of the options. I then requested to pay {$200.00} per month, to which she scoffed, and repeated several times : " This balance is {$29000.00}! we can not set up a payment arrangement for such a small amount ''. I explained my situation again, and informed her that's all I can afford at this time. I'd like to set up a payment arrangement to at least show my good faith to potential landlords. To which she replied : " you can not delete this off your credit, we ae the only ones who can delete it, because we put it on there! ". At this point she became very confrontational, and argumentative, and I told her let me worry about my credit, I'm calling her to set up an arrangement, if she is refusing, I will alert the credit bureau, as well as file a complaint. She continued about having authorization over my credit, and I asked to speak with her supervisor. I then spoke to a very nice gentleman by the name of XXXX XXXX who explained to me the lowest payment arrangement they could set up with me was {$1000.00} per month. I told him exactly what I told XXXX XXXX, and told him what I could afford. He refused, and we hung up. 
I am in disbelief that I made attempts to show good faith, and set up a payment arrangement, and because it's not the amounts FCO is demanding, they're allowed to refuse an arrangement. They're attempting to ruin people 's livelihoods. It's not enough the amount reported is GROSSLY exaggerated, they refuse to assist a consumer trying to clear up a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
To whom it may concern I am Riduan Gulam, from Philippines, I want to complain about a very concerning problem to the payment service Paypal offered at PaypalXXXX

Paypal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that Paypal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to paypal and I believe their claims are false. All disputes related to my account was settled. Paypal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 
Paypal transferred my whole balance and took my hard earned money under the XXXX ID XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather fair compensation. 
I believe paypal acted in bad faith as a payment company, They have failed to offer the promised service. I believed that I was deceived and scammed by Paypal and I want to complain about this corrupt acts done by the payment company PaypalXXXX I have tried to resolve this issue friendly with them many times but they always reply with canned and useless response done by bot. Paypal failed to provide the advertised payment service. 

Looking forward for your reply. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Had made multiple purchases through XXXX XXXX from XXXX I had always paid on time and paid more than required and always paid off many months in advance. On XX/XX/XXXX I thought the account was paid in full. On XX/XX/XXXX, there was a balance of {$1.00} that I was unaware of. I was never notified of this till XXXX XXXX  XXXX I started getting calls XXXX times a day from a XXXX XXXX and they were robot calls. I did not have an account with XXXX XXXX, so I kept trying to call back to see what this was all about and kept being hung up on. I paid the dollar and was never given credit for it. It wasn't till XXXX XXXX  XXXX that I was able to speak with someone and they said it was about my XXXX account being past due. When they told me that I owed XXXX and now it had late fees and interest now totaling over XXXX  XXXX dollars, I said I need to speak with a supervisor. Was placed on hold and told I had to pay or else. Then they hung up on me. I tried calling back with constant hang ups. The account finally was reported as a write off at XXXX. Since then, I have been deigned loan of XXXX and my credit cards interest has increased because of this. If you look at my payment history, you will see that my payment history was rates as exceptional. My score was over XXXX. At one time during this my score dropped to low XXXXXXXX XXXX. I always paid my bills and this is so unfair. I tried disputing through Experian and XXXX XXXX  said no. 
The documents that I scan is after I found out it was XXXX and signed into account to see the discrepancy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: FL

Complaint narrative:
In accordance with the fair credit reporting the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

I NEVER GAVE WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ALSO IM INVOKING MY RIGHT TO PRIVACY THIS IS MY LAST ATTEMPT BEFORE A CIVIL LAWSUIT WILL TAKE PLACE IMMEDIATELY BECAUSE THIS COMPANY IS KNOWINGLY VIOLATING MY RIGHTS IM OPTING OUT PLEASE REMOVE THIS IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America out of fraud allowed or opened a account in my name on XXXX XXXXcalled bank of America .would do nothing without a pin number which i do not have

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2023 XXXX XXXX  XXXX XXXX I called the creditors and spoke with a representative and was told there is no information on file for me. All the creditors listed below also said they were going to send a request to the bureau 's for remove. They asked for my name and email but never heard anything from them. 
XXXX _________________ XX/XX/2023 JPMCB - AUTO FINANCE XX/XX/2023 XXXX XXXX XX/XX/2023 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 _______________ XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On this date of XX/XX/2020 Midland Credit Management opened a collection. 
Account # XXXX. Amount owed {$620.00} I have never signed any written documents saying that I owe this debt to the collector. They are violating my rights according to the FCRA as a consumer. I do not have written consent from my end. Also, they have not verified that I owe this debt to this alleged company. PLEASE, have this removed from all three credit bureaus. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation