vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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 am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately. 

I am formally request the blocking and permanent deletion of all accounts associated with my personal information due to the recent data breach. 

Also, I never lived at the address associated with these accounts in New Jersey. 
I have lived at XXXX XXXX XXXX, XXXX NJ XXXX since I was a kid at the age of XXXX. I previously lost my wallet back in 2018. I have been told by XXXX XXXX that someone at the address, XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX NJ I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place. 

I NEVER SIGNED FOR THESE ACCOUNTS AT ALL. I PROMISE NOT ONE OF THESE ACCOUNTS CAN PROVIDE YOU WITH A VERIFIABLE SIGNATURE OR SIGNED CONTRACT AGREEING FOR THEM TO REPORT THESE ACCOUNTS TO MY CREDIT REPORT. Thats because these accounts were not opened by me. 

According to The FCRA, You must provide verifiable documents, signatures, contracts etc in order to verify that these accounts belong to me in which they do not. 
Aside from everything stated above, all of these accounts were exposed and compromised due to XXXX XXXX XXXX XXXX. Proof is Attached. 

If These Accounts Are Not Removed From My Credit Report, My Lawyer & I Will Pursue Litigation with XXXX followed by XXXX XXXX Transunion since the FCRA States that all accounts affected by a data breach must be removed from my credit report. 

I Already lost over {$10000.00} + Spent over {$5000.00} mailing letters and receiving legal guidance on how to remove these accounts from my report. 
If I have to send XXXX more dispute, I am coming for everything I lost through litigation

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 2024-11-04 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 am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately. 

I am formally request the blocking and permanent deletion of all accounts associated with my personal information due to the recent data breach. 

Also, I never lived at the address associated with these accounts in New Jersey. 
I have lived at XXXX XXXX XXXX, XXXX NJ XXXX since I was a kid at the age of XXXX. I previously lost my wallet back in 2018. I have been told by XXXX XXXX that someone at the address, XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX NJ I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place. 

I NEVER SIGNED FOR THESE ACCOUNTS AT ALL. I PROMISE NOT ONE OF THESE ACCOUNTS CAN PROVIDE YOU WITH A VERIFIABLE SIGNATURE OR SIGNED CONTRACT AGREEING FOR THEM TO REPORT THESE ACCOUNTS TO MY CREDIT REPORT. Thats because these accounts were not opened by me. 

According to The FCRA, You must provide verifiable documents, signatures, contracts etc in order to verify that these accounts belong to me in which they do not. 
Aside from everything stated above, all of these accounts were exposed and compromised due to 2 Equifax Data Breaches. Proof is Attached. 

If These Accounts Are Not Removed From My Credit Report, My Lawyer & I Will Pursue Litigation with Equifax followed by XXXX XXXX XXXX since the FCRA States that all accounts affected by a data breach must be removed from my credit report. 

I Already lost over {$10000.00} + Spent over {$5000.00} mailing letters and receiving legal guidance on how to remove these accounts from my report. 
If I have to send one more dispute, I am coming for everything I lost through litigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: CL Holdings LLC
State: TN

Complaint narrative:
I sent a request for company to verify information of debt owed & sufficient evidence was not sent back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Around the end of XX/XX/year> I got notice from Citibank that a credit card I had had an annual fee renewal coming up. I hadn't used the card in a while so I called to cancel the card. The agent who answered the call suggested that I convert the card to a no-fee card so that I could maintain the miles. That sounded fine since I wouldn't have to pay a fee, so I said yes. 

A week or so later I checked my online account and saw that there was an annual fee charged on my card, despite having changed to a no-fee card. I called immediately to address the issue. The agent who answered the call told me that the charge will be refunded and taken off so I wouldn't be paying anything. 

Today ( over a month later in XXXX ), I got a letter in the mail that said I owed the annual fee and it will be drafted from my account ( I have auto-draft ) in a couple of weeks. I checked my Citi mobile app and indeed the charge remains. I went into the chat function of the mobile app and asked about this charge. They said I would still have to pay the fee and that I would be refunded 51 days later. 

Now the main reason I wanted to cancel in the first place is that I didn't use the original card much at all. So now I have a {$99.00} fee I have to pay now that I didn't plan for. Even if it gets " refunded '' later, that is in a billing cycle where I might not even use the card. And again, I originally wanted to cancel the card in the first place. This feels very much like a predatory practice and betting on my not paying the {$99.00} to charge additional interest when I shouldn't have to pay the {$99.00} in the first place.

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 monetary relief
Consumer complaint received 2024-11-03 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: PA

Complaint narrative:
This company keeps reporting me to every credit bureaus on and closed acct. that as been charged off but yet and still Im still being report late every month with late charges of a closed acct was sucured saving acct that I open with my own money which XXXX turned into a credit card immediately started charging intrastate charges and late charges on my acct. As of today this acct as been closed for over a year and XXXX is still charging lates charges and reporting it to credit bureaus as if this acct is still active and it CLOSED. I called XXXX on many occasions about this issue and to this point this is harming my credit of them keep reporting a closed acct as if it is still active and its not!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This company keeps reporting me to every credit bureaus on and closed acct. that as been charged off but yet and still Im still being report late every month with late charges of a closed acct was sucured saving acct that I open with my own money which XXXX  turned into a credit card immediately started charging intrastate charges and late charges on my acct. As of today this acct as been closed for over a year and XXXX  is still charging lates charges and reporting it to credit bureaus as if this acct is still active and it CLOSED. I called XXXX on many occasions about this issue and to this point this is harming my credit of them keep reporting a closed acct as if it is still active and its not!

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 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Privity of Contract. Businesses can only do business with other businesses, a business can not do business with a natural person. Natural person is the consumer : me, XXXX XXXX. MERCEDES BENZ FINANCIAL SERVICES has communicated that they are an indirect lender to the contract, verifying that they are a third party not privy or part of the contract, nor were they there at the signing of or listed on the contract. There is no privy of contract. They enforced a contract that they were not a part of using adverse action in the form of a repossession and disposition of my personal property. I have filed an identity theft report with the FTC. They are in coercion with MERCEDES BENZ XXXX XXXX 18USC 894, They, MERCEDES BENZ XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES have committed fraud pursuant 18 USC 1341. The contract itself paid for the automobile via 12CFR 360.6 ( 2 ) treatment of a financial asset. MERCEDES BENZ FINANCIAL SERVICES has caused damages to me and my family be violating my rights under color of law 18 USC 241, 242. MERCEDES BENZ FINANCIAL SERVICES has been acting in bad faith with misrepresentation of my credit and threats of repossession and credit subject to slander in the result of finding my self less creditworthy to financial institutions. This is done without being part of the contract, without expressed written consent to sell or pledge the contract to an open end credit account ready for deposits without full disclosure to me as a consumer. MERCEDES BENZ FINANCIAL SERVICES by acting in bad faith has lost any valid standing pertaining to this account. Equal consideration was not established between the two parties of the contract MERCEDES BENZ XXXX XXXX and myself agent of the principle. Enclosed with this complaint is a dishonored negotiable response stating their stance as a third party Subsequently assigned, which is coercive and deceptive because there is no disclosure of the subsequent assignment or valid written consent under oath or penalty of perjury of my accepted the subsequent assignment to MERCEDES BENZ FINANCIAL SERVICES. This is money Laundering18 USC 1956

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear Sir : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW 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 VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute regarding this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I attempted to pay my Lowes Credit Card on Synchrony but website was down. I was forced to pay one day late as a result and was charged late fee and interest. I contacted synchrony to request a refund and was denied.

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Working on debt recovery program. While in said program my family and myself start getting harassing calls and bring informed I'm being taken to court. I had no idea for what. I call Navy Federal credit union in regards of the debt recovery program. They tell me they can't speak to me due to selling my debt and won't give me any information. Just that I need to call a lawyer who bought my debt. I was signed up in the debt recovery program for what I owe Navy Federal credit union so I'm confused how they sold the debt. The total the person seeing me for this debt has a different amount then Navy Federal and I have not been served to go to court.i don't even have a debt validation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
On XXXX, I was at a neighborhood XXXX. When I came outside, a XXXX yr old driving a red XXXX truck had hit another truck and backed up and hit my car. The police came but the driver had fled the scene. Someone had gotten the license plate of the driver. I did not file a claim because only my tail light was broken. The other vehicle owner filed a claim with XXXX. The driver that caused the accident did not have insurance. XXXX is trying to say that I caused the accident. I called them several times to tell them that they need to go after the right person and that I was not responsible. XXXX sent the bill for {$7300.00} to the National Service Bureau, a subrogation collector for collection. They are treating to have my driver 's license suspended and my license plates removed if I don't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ratchford Law Group, P.C.
State: PA

Complaint narrative:
I fully dispute the collection letter Ratchford Law Group sent me dated XX/XX/year>, acting on behalf of XXXX XXXX. LAST YEAR, XXXX violated my written Do Not Call request. They then reacted to my complaints by stressfully spamming me with paper Debt Validation packets around XXXX times over the span of XXXX weeks. And I never even requested Debt Validation! These anti-consumer violations were recorded through the CFPB and the PA Attorney General 's office. THIS YEAR, I'm dealing with new identity theft, new legal hide and seek games, and multiple creditors acting in absolutely nonsensical, cartoonish ways. The whole reason I'm stuck with debt I can't quickly pay off is due to years of family criminal abuse that has gone unresolved and has continued to this day. It's absurd I'm getting this Ratchford collection letter right now, with THIS timing. You can not convince me this is purely a coincidence, and this isn't some sort of illegal bullying effort in tandem with other creditors, specifically XXXX / XXXX XXXX XXXXXXXX. I'm not going to pay you as a reward to violate me, when I can factually prove you've already committed violations. THE FACT I HAVE DEBT DOESN'T MEAN YOU CAN JUST DO WHATEVER YOU WANT TO ME! I am also sending this formal dispute through the CFPB with extensive attachments, which I just wasted most of Sunday XX/XX/year> assembling. I am going to re-iterate the same request I gave XXXX 16 months ago : I'm demanding that you stop contacting me about this account entirely. If you still have anything to say to me, I want our next conversation to be in front of a Judge with all the evidence laid out on the table!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
I opened an account with SoFi to take advantage of the promotion they were running. 
This took place end of XX/XX/year> and the promotion involved a direct deposit of {$5000.00} which would give a {$300.00} bonus by the bank if it was deposited in the first 25 days of opening. 
I had no issue opening the account, linking my account using verified deposits from my account from XXXX and sending a XXXX transfer. 
For the first few days there was no issue, I was able to login to my SoFi account and I verified the deposit from XXXX had been completed. 
After that I left for a one month long trip to XXXX. This took place the last week of XXXX. 
A couple of days later, early XXXX, I receive an email from SoFi that there was some suspicious activity on my account and it has been restricted, asking me to call them. 
As I was travelling I and had limited access to the internet and cellphone coverage, I was not able to call them for about 7 days but I had confirmed that the login was locked and I couldn't access my account anymore. 
I was able to call them around XX/XX/XXXX. During the call I was informed that there was some suspicious activity that they did not disclose, and the decision had been made for the account to be closed. 
This is a little annoying, but it had happened in the past with other banks and there was never an issue. In the end of the day if the bank doesn't want my business, I'll go elsewhere. 
BUT, what IS a big issue is what happened with the $ XXXX that I had deposited. Basically what has happened, is that since XX/XX/XXXX, the bank promised to return the funds in the originator, which is totally fine, if they followed through. But, no money has been returned to my XXXX account since. 
I have called them at least 5 times since XXXX and I am getting the same response, that they'll escalate to the fraud team, which never happens. 
When I ask them how do they feel it's OK to keep my money hostage for months and provide no feedback their response is and I quote : " It's not your money ''. Which is ridiculous. 
I can easily prove it's my money and I am sure they can easily confirm with XXXX if they want to that it is, but in the end of the day if they just follow through what their promise to return the funds to the originator, which is me, I am totally fine with that. 
Since then I have found a lot of similar complains about SoFI online with people going through the same experience. 
I can not understand how a bank institution is keeping people 's money hostage and no legal action has been taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: MD

Complaint narrative:
this account is a result of id theft. i have no knowledge of this account nor have i given anyone permission to use

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westlake Services, LLC
State: WA

Complaint narrative:
What happened is the westlake financial made a statement against me to XXXX  and I took a action on disputing against the statement. So I don't want to any history/information recorded between my name and they business. Its making it difficult to apply my nature to my survival.

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