vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see XXXX XXXX XXXX XXXX XXXX  15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role...

Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file. 
Per the FCRA, I am entitled to have a fair and accurate credit report.

XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer. 
This shall be done 30 days before, or after furnishing of any such negative information. 
Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal XXXX, ( XXXX or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting.

For this reason, please request deletion of any and all negative reporting within the next 30 business days. 

For the following accounts. 
XXXX XXXX Account # XXXX Thank you, 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 non-monetary relief
Consumer complaint received 2024-06-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX XXXX 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role... 
Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report. 
XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting. 
For this reason, please request deletion of any and all negative reporting within the next 30 business days. 

For the following accounts. 
XXXX XXXX Account # XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX XXXX 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role... 
Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report. 
XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,. 
15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company. 
A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting.

For this reason, please request deletion of any and all negative reporting within the next 30 business days. 

For the following accounts. 
XXXX XXXX Account # XXXX Thank you, 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 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
Per my prior complaint that was lodged in XXXX that took this company over a month to respond with a XXXX poor pathetic negligent response whereby I still have not had my demand responded to in regards to request for a copy of the settlement agreement entered into back on XX/XX/year>. 
This company seems to have rude representatives that like to hang up on people and not be able to be factual or ethical. In addition, I am due by federal law a copy of the agreement which FIRST ACCESS HAS YET TO PRODUCE .... 

So then my question is, what is this organization hiding and why has it been over 2 months and i still havent received a copy of the settlement agreement to my home address?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
Associated Credit Services claims i owe a debt to XXXX XXXX of {$190.00}, I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the debt that has been reported to my credit report by XXXX XXXXXXXX XXXX XXXX I believe that this debt is not valid, and I am requesting its immediate removal from my credit report. 

The details of my dispute are as follows : Creditor : XXXX XXXX XXXX Account Number : [ XXXX ] Amount : {$XXXXXXXX} I assert the following : No Agreement : I have never consented to or signed any agreement with XXXX  XXXX XXXX. 
No Documentation Provided : I have never sent any of my personal documentation to XXXX XXXX XXXX. 
No Liability : I am not liable for the debt of {$XXXX} as claimed by XXXX XXXXXXXX XXXX. 
Given these points, I request the immediate deletion of this account from my credit report. Additionally, I would like an investigation into this matter to be conducted promptly, and I request that I be informed of the findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: LA

Complaint narrative:
Here is more supporting evidence on my case with US Bank from 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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Wa XXXX National Credit Systems National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested.

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your Authority in this matter. Absent such proof, you must correct any Erroneous reports of this past debt as mine.

I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond.

Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted the bank to see if any fees related with cashing a check They said no Then went to the bank And XXXX XXXX who was rude charged me the fee Wells Fargo at XXXX XXXX XXXX  XXXX I am requesting that fee refunded for the reason explained Hope Wells Fargo honors his word.

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 2024-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I have a savings account that I deposit money into from a rental property I own. Unbeknownst to me an ACH transaction had been taking place every month from XX/XX/XXXX- XXXX XXXX totalling {$730.00}. I have never had any automatic transactions with this account. 

I traced the transaction back to XXXX XXXX XXXX XXXX - an HOA / property management company in California that I have never been associated with. 

I called USAA on XXXX XXXX and let them know these charges were not authorized by me. Initially some of them were refunded but {$630.00} is still outstanding. On XXXX XXXX I spoke with XXXX  who said it was still under review. Shortly afterwards I received correspondence that USAA is not responsible for errors after 60 days. 

The ACH transactions were all tied to an individual named XXXX XXXX, who is the homeowner listed on this transaction. The property management company has acknowledged the transactions in error and since corrected them- but my bank of XXXX refuses to refund me for money that was clearly tied to someone elses name and account. 

I spoke with XXXX XXXX, XXXX of the CEOs office who has the audacity to tell me that it was my fault for not checking the paperless statements that get buried in their substandard IT system simply labeled My Documents. 

This money was transferred using ACH transfers, unauthorized by me, but authorized between two banks USAA and XXXX XXXX XXXX because someone erroneously, or intentionally entered my banking information. USAA has made no attempt to recoup this money from the legitimate business- XXXX  XXXX XXXX who has acknowledged the error. 

I am requesting USAA refund the money remaining- {$630.00}. Issue a written apology for their terrible service - implying this was my fault. And confirm the correct name between accounts when approving an ACH transaction. Very simply checking the correct name against the account ( that has never had ACH transactions ) would have prevented this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my credit report and noticed fradulent accounys on my credit reports.

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 2024-06-22 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: NJ

Complaint narrative:
I looked at my credit report and noticed fradulent accounys on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Lvnv funding assured me that they would remove the charge off my credit report after I settled it completely. The negative listing is impacting my ability to secure approval for housing.

LVNV used false imformation amd misleading statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Subject : Urgent Dispute of Fraudulent Collections Account Dear FCRA, I am writing to formally dispute a collections account that has appeared on my TransUnion credit report. This account is causing significant damage to my finances and has hindered my ability to purchase a home for my family. 

I recently became aware of this collections account, allegedly from XXXX XXXX XXXX and associated with the XXXX XXXX XXXX which I do not recognize. I have never applied for credit with the XXXX XXXX XXXX nor have I established any account with XXXX XXXX XXXX. This account appears only on my TransUnion credit report and is absent from both my XXXX and XXXX reports. 

I have attempted to obtain record verification from XXXX XXXX XXXX twice, but have received no response in nearly XXXX months. Additionally, I have filed multiple unsuccessful disputes with TransUnion regarding this account, yet no action has been taken. 

The presence of this fraudulent derogatory account on my credit report has caused critical damage to my financial standing. I have been trying to purchase a home for my family, but this account, combined with the challenging economic conditions, has made this goal and other financial opportunities impossible. The situation has already cost my family dearly. 

I demand that this fraudulent collections account be removed from my TransUnion credit report immediately. I trust that the FTC and/or FCRA will take swift and decisive action to rectify this matter and protect my rights as a consumer. Incorrect or conflicting reports information indicates incorrect records. Fair Credit Reporting laws protect the consumer by removing such false derogatory reporting. The account in question only reports via TranUnion. Several disputes over the past several months have been ineffective. The original Creditor has also failed to provide me with records. I repeat this because failure to provide records and inconsistent information reporting are grounds for removal. I'm not sure if this was stated clearly as grounds for wiping this account from my report. This why I am once again turning to you to help me with an account I never applied for or have any knowledge of. I can and will provide credit reports information showing TransUnion as sole reporting bureau. 

Thank you for your attention to this urgent 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 2024-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Linebarger Goggan Blair & Sampson LLP
State: PA

Complaint narrative:
Lineberger Goggen Blair & Sampson, LLP Have sent me repeated letters in the past of a debt, I do not owe. It was agreed that I send a check for the violations and admin fees would be waived. I did this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: PENTAGON FEDERAL CREDIT UNION
State: RI

Complaint narrative:
I have already applied for discharge for this loan. See complaint XXXX. This loan should be discharge under the " fruit of the poisonous tree '' statute. This original loan was a part of a lawsuit that has granted the discharge of loans associate with the defrauding of the borrowers. Regardless of it being now private, this should be covered under the above statute. I will be suing PenFed if this is not discharged.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief