vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
My information was involved in several data breaches and I have reached out to the reporting agencies to have them removed the information and proposed debts that I deemed as opened fraudulently. 

XXXX XXXX reported and says opened XX/XX/XXXX - XXXX $ XX/XX/XXXX reported and says opened XXXX XXXX XXXX - XXXX XXXX XXXX reported and says opened XX/XX/XXXX - chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I been with USAA for XXXX  years I wanted to close a credit card to increase my credit rating. So I paid it off. Closed it THEN USAA XXXX XXXX XXXX {$30.00} ... after I closed th account I told them I wasn't going to pay a fee for something I don't use XXXX have Then then the dinged my credit rating. 

So I paid them their {$30.00} No explanation..or apology..noting I would have an excellent credit rating if it wasn't for this.. 
I want my credit rating restored.

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 2024-12-29 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Collection account from PYOD LLC with account # XXXX and a balance of {$670.00} The original creditor is XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have contacted WFBNA multiple times via phone and also by Certified mail XX/XX/2024 XX/XX/2024 XX/XX/2024 in regards to sending a registered mail certified copy of my 1099-C. For charge-off that's reporting on my consumer report, after multiple attempts I have yet to receive anything from this company, failure to provide the document needed has resulted in my taxes not being accurate which could lead to an audit, fines etc. ; this means WFBNA taxes are also inaccurate and should be justifiably audited by the IRS. if the debt hasn't been written off then this it's unfair deceptive practice collecting twice its FRAUD and I will sue statutory damages. Take further notice this company is also reporting duplicate accounts Acct # XXXX and Acct # XXXX open the same day month and year with the same balance but different account numbers which is another discrepancy due to the lack of detail and a inaccurate investigation with the credit bureaus.

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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-29 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXXXXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. 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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Account states it was opened XX/XX/year> XXXX Reported XX/XX/year>. The Payment Status states, Placed for Collections, in the amount of {$360.00}, Company Name : AMSHERCOLLECTIONSERVICE.

Attention Fraud Department : This company, AMSHERCOLLECTIONSERVICE is on my credit report is a direct violation of the no surprises act. I don't know who they are, and I've never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I've provided them with all the documents they have requested from me yet the seller XXXX nor PayPal want to return my money and insist on me paying for nothing ... .....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I am writing to follow up on a previous complaint I submitted against Selene concerning their illegal foreclosure actions on my mortgage. I have recently discovered a fee of {$1100.00} categorized under " late fees '' and " other charges '' on my mortgage statement. As my mortgage is a VA loan, it should not incur any late fees.

Despite my efforts to obtain an explanation and request the removal of these fees, I have not received a satisfactory response. I suspect these charges may be related to foreclosure legal fees, even though the foreclosure was initiated illegally due to the company 's failure to properly credit my mortgage payments. Since then, my home has been removed from foreclosure status.

Additionally, I have received letters from the company stating that my mortgage is in default due to these unexplained charges. Based on my previous experiences, I believe Selene. Finance iss engaging in predatory practices designed to delay responses and attempt to possess my home. 

I am requesting a thorough investigation into these charges. If they are indeed related to the prior illegal foreclosure, I demand that all fees be removed. Furthermore, I request confirmation that these fees have been eliminated from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX must disclose there connection to squatter from XXXX here on an visa faking his name as XXXX XXXX and now the name, policy number and vital details blackout. You must process the claim as corrupt attorney XXXX XXXX were fully aware that I am owner on XX/XX/year> by XXXX  response under XXXX and reported fraud by XXXX XXXX XXXX XXXX and XXXX by chase me XXXX XXXX as XXXX XXXX With XXXX fake XXXX degrees XXXX. To be a doctor at clinic XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. Computer professor at XXXX XXXX now fired case XXXX. Any details you can find on the CFPB FEEDBACK PAGE. XXXX informed by XXXX XXXX XXXX that they confirmed myself as title owner XXXX and XXXX and after he cash XXXX escrow account checks in my name I reported it to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX must disclose there connection to squatter from XXXX here on an visa faking his name as XXXX XXXX and now the name, policy number and vital details blackout. You must process the claim as corrupt attorney XXXX XXXX were fully aware that I am owner on XX/XX/year> by XXXX  response under XXXX and reported fraud by XXXX XXXX XXXX XXXX and XXXX by chase me XXXX XXXXXXXX XXXX XXXXXXXX XXXX With XXXX fake XXXX degrees XXXX. To be a doctor at clinic XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Computer professor at XXXX XXXX now fired case XXXX. Any details you can find on the CFPB FEEDBACK PAGE. XXXX informed by XXXX XXXX XXXX that they confirmed myself as title owner XXXX and XXXX and after he cash XXXX escrow account checks in my name I reported it to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX must disclose there connection to squatter from XXXX here on an visa faking his name as XXXX XXXX and now the name, policy number and vital details blackout. You must process the claim as corrupt attorney XXXX XXXX were fully aware that I am owner on XX/XX/year> by XXXX  response under XXXX and reported fraud by XXXX XXXX XXXX XXXX and XXXX by XXXX  me XXXX XXXXXXXX XXXX XXXXXXXX XXXX With XXXX fake XXXX degrees XXXX. To be a doctor at clinic XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX. Computer professor at XXXX XXXX now fired case XXXX. Any details you can find on the CFPB FEEDBACK PAGE. XXXX informed by XXXX XXXX XXXX that they confirmed myself as title owner XXXX and XXXX and after he cash XXXX escrow account checks in my name I reported it to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: LA

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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report, which I pulled on XX/XX/year>. Specifically, XXXX XXXX XXXX  XXXX account is incorrectly reported as closed, with inaccurate multiple payment history dates. Despite this, you have continued to verify and report the information as accurate, without providing any supporting documentation to substantiate its accuracy. 

This failure to correct the error is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i, which requires credit bureaus to investigate and verify disputed information within XXXX  days. As such, I request that you promptly investigate this matter and remove or correct the inaccurate information from my credit report. 

If the inaccurate information is not corrected within the required XXXX timeframe, I will be forced to pursue legal action under 15 USC 1692g .

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 2024-12-29 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: VA

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report, which I pulled on XX/XX/year>. Specifically, XXXX XXXX XXXX  XXXX account is incorrectly reported as closed, with inaccurate multiple payment history dates. Despite this, you have continued to verify and report the information as accurate, without providing any supporting documentation to substantiate its accuracy. 

This failure to correct the error is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i, which requires credit bureaus to investigate and verify disputed information within XXXX  days. As such, I request that you promptly investigate this matter and remove or correct the inaccurate information from my credit report. 

If the inaccurate information is not corrected within the required XXXX timeframe, I will be forced to pursue legal action under 15 USC 1692g .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: SC

Complaint narrative:
15 U. S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these itemes IMMEDIATELY! 

These accounts should not be furnished on my comsumer report as they are in VIOLATION!! Under U. S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything to my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
XX/XX/XXXX I discovered on my credit report a fraudulent XXXX XXXX XXXX account in the amount of {$4300.00} that began on XX/XX/XXXX. I filed an FTC report reporting this fraudulent account to XXXX, XXXX, and Equifax. All 3 credit reporting agencies removed this fraudulent account from my report. this inaccuracy was reinstated on my report in XXXX. 
I again disputed this fraudulent account with the 3 credit reporting agencies requesting proof of an agreement creating a debt between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accordingly, the credit reporting agencies nor XXXX XXXX  XXXX were able to do so because such agreement does not exist. The account in question is claimed to belong to my father XXXX XXXX not me, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent a letter to my father, XXXX XXXX XXXX that they confirmed statements were mailed to the address that was provided for this claim and payments have been made on the account and that they were unable to approve the claim. I then filed another FTC report describing the same fraud information report that I submitted in XXXX, and resent a dispute letter disputing this fraudulent account, along with the new FTC report. XX/XX/XXXX Equifax responded saying the information that I provided as proof of my identity did not match the info they had on file. they asked me to send them two different items to verify my identity, copy of my W-2 and a copy of my Driver 's license. I provided these 2 items to Equifax, along with a copy of my birth certificate, social security card, utility bill, XXXX XXXX XXXX XXXX and sales information pertaining to my address proving that i am in fact XXXX a XXXX XXXX and not XXXX XXXX, along with the letter that they sent me. In addition to proof of identity, i provided identity theft report ; identification of such fraudulent information ; and a statement that the information is not information relating to any transaction by me pursuant to 15 U.S.C. 1681 c-2- ( a ) which requires such fraudulent information to be blocked.

In violation of 15 U.S.C 1681 s-2 ( B ) and 15 U.S.C. 1681c-2- ( a ), XX/XX/XXXX Equifax sent me a letter stating that this disputed information was verified as accurate and that dispute was frivolous. Proof of an agreement creating debt between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never established

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My account was suddenly restricted, I am not able to access my money. I am not able to make any withdrawals or sell my stocks. They asked for documents which I already provided but the account is still restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to inform you that your recent actions concerning the collection of an alleged debt are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. I have thoroughly documented the following For example, repeated calls to my place of employment despite being informed that such calls are not permitted. 

For instance, failure to provide the legally required validation notice within XXXX days of your initial communication with me. 

These actions are not only unlawful but also constitute harassment. The FDCPA ( 15 U.S.C. 1692 ) strictly prohibits debt collectors from engaging in abusive, deceptive, and unfair practices. By violating these regulations, you are liable for damages, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney fees. 

Given the repeated and willful nature of these violations, I am hereby notifying you that I am escalating this matter to the office of the Attorney General of XXXX XXXX  and XXXX. I am also considering additional legal actions against your agency to seek full redress for the harm caused by your actions. 

Effective immediately, I demand that you cease all forms of communication with me and any third parties in connection with this alleged debt. This is a formal cease and desist notice under the FDCPA. Any further communication from your agency, except to confirm receipt of this letter or to provide proof of debt validation as mandated by law, will be considered a further violation and will be documented as such. 

Please be aware that I am fully prepared to take legal action if these violations continue. This letter serves as evidence that I have provided your agency with notice of your violations and of my intent to pursue legal remedies. 

I expect a response in writing within XXXX  days of receipt of this letter, confirming your compliance with my requests. Failure to respond adequately will result in additional legal action, and a copy of this letter will be forwarded to the Consumer Financial Protection Bureau ( CFPB ) as well. Remove these fraudelent tradelines off of my credit report as I have attahced XXXX identity theft reports below.

Company response to consumer: Closed with explanation