vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit XXXX placed this collection on my credit report for services with XXXX that I have never received in a town I have never lived in. I have advised the credit reporting agency and provided proof of never living in the state of MD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
When switching phone carriers, Citibank locks you out of account access until further notice. I recently switched phone carriers and am now unable to log in to any of my checking/credit card accounts on any device. I called citibank and they said that the account gets flagged when switching phone carriers. I need to access my account to pay rent and other bills and citibank refuses to give me access back.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies.This account is hurting my ability to obtain credit. It is my understanding that Equifax will investigate my complaint and provide proof that what is being reported is accurate. Account : XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I am not liable for this debt with CREDIT COLLECTION SERVICES.I do not have a contract with CREDIT COLLECTION SERVICES. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Milby Law Offices P.A.
State: KS

Complaint narrative:
I never knew I owed this debt. I never was notified of it and was 1 of 3 tenants who lived at this residence. I never knew about any past due amounts or anything about this bill. I letter was sent to my mother 's address stating there was a judgement and garnishment being sent to my employer. I don't even know how much they are claiming I owe on this bill.

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 2024-09-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal is a merchant services business running multiple fraud schemes through multiple addresses. They claim to be part of Synchrony Bank and have destroyed my credit while I disputed the validity of the contract running through all the fake names and addresses. I need them to remove their information completely because they do not have a real company or contract with me. There are XXXX accounts total XXXX in unsecured credit they claim are in areas for 2000 and are late. It cost me XXXX points on my experian 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 2024-09-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies.This account is hurting my ability to obtain credit. It is my understanding that Experian will investigate my complaint and provide proof that what is being reported is accurate. Account : XXXX XXXX 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 2024-09-29 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-09-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Revenue Recovery Solutions  Inc.
State: FL

Complaint narrative:
Revenue Recovery Solutions, a collection agency, keeps trespassing on my property, calling me and sending me certified letters of collection for a debt titled to my former employer. I left the XXXX 2021, and have told the collection agency multiple times to contact the owners. I am a private citizen and I do not owe this debt, yet I continue to be harrassed by this collection agency. I have sent them a Cease and Desist notice under the FDCPA, and I'm seeking protection from the continued harrasment and threads.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
So I moved out of an apartment I left my forwarding address twice once in person and again via email when I inquired about my security deposit return. However XXXX XXXX never bother to respond to my calls and or email, nor has the collection company that sent me to collection bother to reach out to me regarding paying the bill before sending me to collection so i received no information to even know this exist until I seen it pop up on my credit report! I tried to initial contact transworld to see what this debt is an form as well as how they can send me to collection on something I had no idea about to begin with however after verifying all my information he would not provide me wit any information regarding the debt collection because he wanted me to pay a service fee for the information but couldnt even provide his company was legitimate I end up going into XXXX XXXX  apartment and it was bought to my attention the last property manager never put my forwarding address in the paper work/ file instead she used my old apartment address with the wrong city and zip so the address they had was not even a valid address nor did they bother calling me directly even tho they had my number on file! This collection should of never been open and put on my credit now my credit drop dramatically I resolved the issue with XXXX XXXX directly however trans world the debt collection company has not removed the account off my credit report! Which is now affecting me buying my first house!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AmeriCollect
State: NV

Complaint narrative:
Several years ago I was billed with XXXX for a XXXX  visit, collections appeared on credit around summer last year. This debt was recently moved from my report about XXXX months ago, then returned again yesterday. Previously it took my credit down XXXX points originally, now it is down another XXXX. I know there was something about not owing anything below XXXX, but it doesn't make sense to me for it to have been removed, and reported as payed off on my credit report, then returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: WV

Complaint narrative:
Flagship Credit Acceptance calls multiple times a day. I resorted in using the chat option on their portal instead of talking with them over the phone and explained I was waiting on the money to make a payment. I have asked them repeatedly for assistance on payment options because we have had some financial difficulty with our children and other issues that have come our way. They refused to assist with payment options until XXXX, stating that it can only be done once a year. I am not sure about them, but sometimes people run into financial difficulty more than XXXX time of year. Inflation is ridiculous right now, the cost of food for a family of XXXX for XXXX weeks come to the amount as a car payment or rent. Flagship Credit Acceptance approved our loan for {$1000.00} a month, which is crazy. We don't have amazing credit and were stuck with this. We don't mind having a couple of months added on to the loan to help us get ahead. Though they don't want to help, but they want to harass us by calling each of our numbers 5 times each within a few hour period. I find it excessive. They should understand that excessively calling their customers is annoying, especially when it at times is at XXXX at night when we have children who attend school. We understand their need to collect balances but we have explained to them and attempt to make good faith payments.

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 2024-09-29 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: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: GA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-09-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
**Consumer Name : ** XXXX, XXXX XXXX Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** To Equifax, This is an XXXX CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint.

The fraudulent accounts, which must be eradicated without hesitation, are : XXXXXXXXXXXX XXXX {$900.00}, XXXX XXXX XXXXXXXX {$3100.00}. The following inquires are not authorized Ally Financial ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my FICO credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. 

Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. 

Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Equifax fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. 

This is a final directive, not a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX., I called Navy Federal Credit Union ( NFCU ) to inquire about an account discrepancy. Although a credit had been posted to my account, my available balance was not reflecting the update. I spoke with an agent named XXXX, who was unwilling to assist me and made it clear that she did not want to help. Instead of addressing my concerns, she informed me that she would transfer me to a supervisor, stating that she could not assist further. 

I was then transferred to a supervisor named XXXX, who refused to provide her full name. XXXX dismissed my concerns and refused to discuss a resolution. When I tried to explain the issue further, she hung up on me, stating that the call was not getting anywhere. Both interactions were frustrating, unprofessional, and abusive. 

I believe that this conduct violates UDAAP standards, as the refusal to provide assistance and the abrupt disconnection prevented me from managing my account effectively and was coercive in nature. I am seeking a resolution to the balance discrepancy and accountability for the customer service agents involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. There is a false address on my credit report that I have never lived in. Someone has also got a loan in my name through Cedar Business Services. I filed a police report. I tried to dispute through XXXX, but Cedar Business falsely verified my information leading me to believe someone has my Identity information as I have lost my wallet in the past with Identification pictures, and social security card. I am faithful in paying my bills on time, and this false loan taken in my name has deeply strained as I can't make any moves until its taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST National Credit Systems XXXX XXXX XXXX XXXX  XXXX, GA XXXX Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear ( XXXX XXXX  ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing 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 provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another XXXX, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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