vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: NJ

Complaint narrative:
I have done business with this company XXXX XXXX XX/XX/XXXX when the illegal charge me for stuff that was not shown on the purchase agreement, I immediately reach out to them and requested for them to cancel every business and transaction I've done with them and refund me in full. After several calls the agreed and cancel the plan and refunded me. Canceled since XX/XX/XXXX Now on XX/XX/XXXX I received a junk mail from This company called ( Southwest Recovery Services ) saying they have a debt for me under the account number " XXXX '' from " XXXX XXXX '' saying I owe XXXX XXXX {$190.00} and it's been sent over to their debt collection agency, now I immediately try to reach out to them and after numerous attempts and unsuccessful calls, I decided to call XXXX XXXX the representative said he is unaware of this debt collection because he can see that my plan has been canceled more than a year ago. So I asked him for email communication proof so I can show the debt collector who I'm still unable to reach out to. 

Now I'm kindly asking the consumer financial protection bureau to Please help me with this issue as it's totally unfair and it's consider a fraud. I have needed business with this company the same exact day I tried to start it. 

I am attaching all proof and communication of cancellation and refund from thiscompany. 

Also I would I like to note I have not received no mail or phone call from this company " Southwest Recovery Services '' about the Debt collection, just one spam mail and a number that's unreachable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: IL

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Service of Nevada
State: NV

Complaint narrative:
Today ( XX/XX/year> ), I received a letter from Sierra Outsourcing Solutions ( my first letter ) stating I owed {$730.00} to XXXX XXXX. This is untrue. I called and spoke to them and they claimed to have sent letters to me notifying me of this so-called debt, which is a lie. I've here for nearly XXXX year and never received any information from them. But they put it as a collection on my credit report in XXXX, without any notification whatsoever and now lieing about it after I filed a complaint with my government representatives about XXXX XXXX claiming I owe them money when I do not. Suddenly, this letter pops up in my mailbox claiming I owe {$730.00} when it has gone to collection under false pretenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 : # XXXXXXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX All these accounts have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer 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.

15 USC 6802b ( 1 ) ( b ) States : the consumer should be given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ( Opt Out option was not disclosed or was i ever given notice )

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 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
Comenity bank excessive calls upwards of XXXX to XXXX times a XXXX  yes I had the money to pay the account I had to wait for checks to come because I couldn't find an app to pay through but then they got extremely excessive and they keep calling my mom even on the XXXX of XXXX and they keep accusing her of being me and that she is lieing for note I do not live with her she is in her XXXX and is getting excessive calls from them too and it's quite upsetting for her I want them to stop and at this point I want to sue to remove it from my credit and have it show paid in full or I will get a lawyer for the harassment it's beyond anything that should be legal but doing what they are doing to my mom is most upsetting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I got a XXXX credit card because it gives free XXXX XXXX fixes. On same day of account opening, in credit card they charged around XXXX dollars for putting on new XXXX etc., I didn't take any of their services except fixing XXXX XXXX on the same day ( again it is free of cost since I applied for XXXX credit card on the same day ). 

The XXXX dispute center rejected saying I only got services like getting new XXXX etc., It is blatant lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX, an account was opened at XXXX XXXX for our mother by a family member that was not her documented financial POA, and was allowed to add her name to the account. Our mother was taken to the bank with an estate check of {$300000.00} plus, and was coerced to sign her name. XXXX has recently passed from XXXX, which she had at the time of the unauthorized transaction in XXXX The non-authorized family member, that orchestrated this transaction, is not willing to distribute the remaining funds to the beneficiaries. This entire situation was negligent and we want some answers immediately and we're prepared to take legal actions. Please advise. 

Thank you, 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 2024-07-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 2024-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX is alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXXXXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXXXXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I need your help hunting down some Cell phone Hackers. They have been hacking into my smart phone since XXXX XXXX of 2020 until today. Theyve hacked into my XXXX Accounts storage. XXXX emails, XXXX! Email, XXXX email and XXXX XXXX Apps. My Bank of America XXXX and XXXX XXXX were and still constantly being hacked into. I noticed I have to change my user name and passwords more frequently than ever before. They illegal monitored every single app I downloaded into my smart phone. I contacted my banks and some other apps companies but the problems remain the same. I noticed they watched me use the apps such as XXXX, XXXX, XXXX and other game apps then they made changes to the features/functions of the apps to make them less convenient or take a way the features of the Apps. Most of the game Apps became useless so I deleted them. I noticed many apps ( Im guessing at least XXXX apps ) disappeared from XXXX XXXX and I couldnt find the same apps on XXXX XXXX again. 
I know my smart phone being hacked but I couldnt and still cant report to anyone accept to my phone company XXXX prepaid. I called their tech support and brought about XXXX different brands of smart phones into their stores to check up on the problems but I still haven t been able to resolve it. I heard they hacked into the XXXX system and modified the features on my phone just to annoy me. 
I found XXXX Game App I like and Ive using this game app for about 3 months. The name of the game app is XXXX XXXX XXXX XXXX. They paid me XXXX cent to my XXXX account then they stop. I have approximately XXXX in payouts that XXXX still waiting for them to pay me but they still havent. It takes about 3 days from the day I requested the pay out then after the XXXX hours they went into a queue. After the queue they wanted me to collect XXXX red diamonds to receive the pay out. I know for sure this is the added on or altered feature of the game app. This is the work of the Hackers. Please help me track them and put them in XXXX. I heard these hackers were convicted felons from XXXX and theyve done this kind of work before thats why they went to jail to begin with and since they escaped from jail they are now doing the same thing that they did before. 
Please do not delete the App. I need your help to fix the app and track down the Hackers. I already emailed the app developer but they havent responded to any of may emails yet.

They also Stole mail from my mailbox. Please help me catch these mail thieves. Thank you.

DO NOT GIVE OUT MY PERSONAL INFORMATION TO ANYONE EVEN IF THEY CLAIM THEY ARE THE INVESTIGATOR, POLICE, FBI, CIA. I WOULD LIKE TO KEEP MY COMPLAINT CONFIDENTIAL. THANK

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

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 2024-07-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are several charge-off accounts listed on my credit reports that do not belong to me. I have been trying to get the credit bureaus to properly investigate these accounts and remove them from my reports but I have gotten no response. The accounts in question are listed on my FTC report. There is also an account XXXX Account Number : XXXX That is also reporting on my report that is not mine.

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 2024-07-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. There is an inquiry on my Equifax credit report that is fraudulent and does not belong to me. I have already filed an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I got a Home Depot board for XXXX credit limit the payments are XXXX a month last month I made a XXXX dollar payment which I called three days ago and asked why is this payment being reported to the credit bureau they gave me a run around today XX/XX/XXXX I checked again and my XXXX shot down XXXX points because they are not reporting it. Which even the credit report states high impact credit card and the only credit card I have is Home Depot. If they were gon na mark negative on my credit report by fcra law they half to notify me. That goes for everyone on anyones credit report and you can go down the line and hit every one for that violation but Home Depot never reported my payment still shows I used XXXX of XXXX credit limit when in fact I paid XXXX in XXXX which they never reported. I want them charged criminally and civil that is a direct violation and corpus delecti just because I went and graduated from school with a phd in criminal law dont mean I dont know the fair credit reporting act. And if you dont Ill be sure to file criminal charges against all.

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