vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I sent a checklist via US certified mail requesting ALL of the following information to validate the collection account. The letter was received by their office on XX/XX/XXXX at XXXX XXXX 

Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 
Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Proof that this debt has not been written off as a tax liability. 
Any other intimate knowledge of the creation of the debt by you, the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
I received a notification from the XXXX, who does credit monitoring for me on XXXX XXXX, which said that an account with my information on it has gone to collections. I checked the account in question and it's for a " Sunrise Credit Services '' on behalf of " XXXX. '' This was the first time I had heard of this account because it was not opened by me. I check my credit regularly and never noted an account from XXXX on any previous report. I filed a dispute with all three credit bureaus and will be contacting the credit service next.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I checked my credit report I noticed that someone has access my personal information. I noticed that I have multiple inquiries on my credit report from XXXX  XXXX on XX/XX/2022, XXXXXXXX XXXX  XXXX on XX/XX/2022. I have no knowledge of what or who this could be.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
Experian XXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please get in touch with the creditor to confirm that this account was paid as agreed. 

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 XXXXXXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid in full as agreed damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed. 

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 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was settled and should not appear on my credit report as owing a balance. You can not report a charge off when an agent of the creditor accepted payment for this account. Please provide written information from XXXX XXXX  stating they did not accept payment in full for this account. 
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  ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full and on time and never late. You are showing late payment history on an account that was never late. Please remove the late payments from this account because it is inaccurate. The account was paid, and the creditor did not report accurately. 

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
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Best Buy has violated my rights as a consumer. After receiving credit from them and making on time payments every month on top of being charged unnecessary fees, Best Buy decided to pull my credit report without my permission and decrease my credit limit. this decrease happened with no knowledge or request to increase my limit. This decrease happened immediately after me making a big payment on my account. Best Buy decreased my account limit from XXXX to XXXX after I brought my account balance down to around {$900.00}. This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! Best Buy has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for best buy Buy to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! Best Buys willful noncompliance has resulted in identity theft which I demand to Cease and Desist!

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 2022-11-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/22 I file a complaint ID XXXX and is closed, with a company response, " PHH '' will take care of the existing issues, however, until this date, XX/XX/22 they do not take care of the issues, just to named, Line the Credit and Property Taxes. PHH transferred the Loan to HUD, without providing me with any transfer disclosure. I call ( PHH ) XXXX XXXX and I was not able to get an explanation, they just give me a HUD telephone to call. Please I am a sXXXX XXXX XXXX  XXXX I need assistance I appreciate your response. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : # # # # # # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MI

Complaint narrative:
I opened a Business Account with Comerica Bank back in XXXX of XXXX. At that time I indicated that I need to come back to bring in the XXXX from the State to open the account as an LLC. The next day I took in the XXXX information to the branch manager and she never processed nor contact me to tell me to let me know that she needed more information to change the account type to an LLC account and not a XXXX. 

On XX/XX/2022 a customer sent a wire to my business account to purchase 8 pairs of shoes from my wholesale distributor. My sales manager is my husband and he brokered the sale. The funds were sent to my account to ensure my husband received the funds because the buyer was not comfortable sending the wire to XXXX XXXX. I went into the Comerica Branch on XXXX XXXX and they immediately asked was my husband real person because he lived in XXXX and that was where I wanted to wire the funds to purchase the shoes for the customer and have them ship the shoes to the man in XXXX. The lady at the branch went and got another manager and she basically accused me of fruad and I said I am aware of any fraud and I contacted my husband and he called the customer to find out why the wire was flagged. The customer said he was not sure why and he would contact his branch find out and he sent my husband a message saying the wire was sent and should be released. The bank did not listen to me or my husband. They basically froze all my accounts business and personal for two weeks. I have been without money and not access to my regular paycheck nor my funds from my other customer. 
Since that time I spoke with the banks fraud dept and was told they needed an invoice and other documents to prove this was a sale and not fraud. I provided the bank with everything they asked for yet they still did unfreeze my account. 

I am asking for them to no only send the funds back to the customer if the money wire was fraud and allow me to continue to run my business and have access to my funds. 
As of today the bank has charged me in access of {$600.00} plus dollars in fees and still have yet to release my other funds from my business to pay my bills on the business and pay myself. 
The banking representatives saw that I was an XXXX XXXX american with a XXXX  husband and has basically profiled us and stopped us from earning our living. They also have held up funds and treating me and my business unfairly based upon their banking guidelines. 

I am not a criminal but a US citizen trying to have a small business in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Information on credit report is being reported incorrectly negatively affecting personal data.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX 

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSC Accounts Receivable Solutions
State: IL

Complaint narrative:
This company has contacted me stating that i owe them. When told this I asked did i sign anything saying that i would paay them. They stated " no ''. I do not owe this company anything I never had any contract with them. 

XXXX XXXX XXXX v. XXXX where there is no contract there is no case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Identity stolen and accounts opened in my name and charged up high balances, creditors XXXX  XXXX XXXX, XXXX,, XXXX  XXXX XXXX is trying to collect from me this fraudulent debt

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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
On XXXX I tried to deposit a check from my condo insurance company ( XXXX ) to repair my damaged bathroom. It had been damaged due to a water leak and required extensive repairs. The check was for {$4200.00}. Its was made out to me and my wife as both our names are on the property. However San Diego County Credit Union ( SDCCU ) rejected the check as my wife is not on the account. She previously had a joint acct. with me but during covid her employer was closed. She is a teacher and her school was closed. Her acct. became negative, was overdrawn and closed. I paid off the fees and such and left my own acct. there. I offered to have us both come in and sign the back of the check. SDCCU refused. I then asked to speak to the XXXX. A XXXX XXXX XXXX XXXX and was told to wait. Then XXXX XXXX, a different SDCCU employee, came out and gave me XXXX card and said she doesn't have time to see you. You should leave. 

I then took my wife to XXXX XXXX  XXXX to open a joint act there so I could cash the check. I am still without a functional bathroom. They refused stating there was some issue with my wife and SDCCU so they couldn't open an act for her and I together.

This same SDCCU revoked my credit cad 10 years ago despite the fact that I was current and never missed or made a late payment. The same SDCCU denied my request for a mortgage against my condo which I had previously paid and and was free and clear with a value of {$900000.00}. I only requested $ XXXX for home repairs and they rejected it despite my being a member for 30 years. I soon obtained {$150.00} K financing from a mortgage broker which was shocked that SDCCU turned me down. 
They have also charged me numerous over draft fees despite my having sufficient funds in the account. 

SDCCU has lied and said they are there to service their members but refuse to provide me with good service and in fact have ruined my credit by closing my oldest credit card for no reason. Also by Refusing to service my financial needs causing financial harm and affecting my health as I am still without a functional bathroom. 

I believe that they owe me an apology and a credit for every time the charged me a OD fee when there were funds in m account. I believe that they are violating their own status as a credit union by engaging in practices that do jot meet the standard for being licensed as a credit union. 

I ask that their status as a member friendly credit union should be investigated. I believe they should refund me for the unfair OD fees, and also remove any negative reports which other credit unions or banks look at as I still can not cash the check and am still without a bathroom.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I recently Filed a complaint # XXXX. I received a letter stating it was closed suggesting that someone filed it in my name which is not the case. I was the one who filed the case and I am filing another complaint as I am the person in the document. my name is XXXX XXXX XXXX XXXX, my email address is XXXX and my address is XXXX XXXX, XXXX MI XXXX. My Phone number is XXXX if you need to contact me. 

On or around XX/XX/2022, I received a notice of a lawsuit against me taped to my front door, from a foreign group of people, XXXX XXXX XXXX XXXX. Attorneys for LVNV Funding LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was the first formal contact and I have no knowledge of this group, nor do I recall entering a contract with said group. They are requesting payment of an old debt that, to my knowledge, no longer exists. They claim I owe the original creditor ( XXXX XXXX XXXX  ) who, by lack of evidence shows no debt owed! All XXXX has is an old billing statement. Pursuant to [ XXXX XXXX. XXXX ] I will need the Plaintiff to Validate the debt. This includes but is not limited to, producing the original contract with XXXX XXXX XXXX containing my wet ink signature, that shows we have a legally binding agreement to do business, ( i.e. MHC Receivable 's through LVNV FUNDING LLC 's involvement in the ORIGINAL contract with XXXX XXXX XXXX  ), along with all the accounting associated with the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have several inquiries on my Credit Report that were made by someone other than myself. I was a victim of identity theft and several attempts to apply for credit were made in my name.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation