vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
N accordance with the Fair Credit reporting Act of XXXX 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 604A. It also states a consumer agency can not furnish a account without my written instructions

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 2022-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
on XXXX XXXX Someone took cash advance off my credit card XXXX plus cash advance fees XXXX in XXXX XXXX XXXX XXXX  XXXX XXXX I was not in XXXX XXXX on this date I live in XXXX and was home during this time. The next day on later on this day not sure I wanted to use my card and it was denied I called and ask why the credit card people said there was suspicious activity on card and we cut it off was it you I said no it was not me Im in XXXX  They said we will send a new card out! Then I get the bill for these charges XXXX cash advance charges and fees I call I dispute these charges they said they investigate within 4 days they denied it said I had card still in my possession I said but I didnt do it they said a card with my pin was used I said I read in XXXX skimmers are being found with cameras on them that is how peoples pin stolen they still denied it. Now weeks before this happen I was in XXXX visited a friend used atm at a XXXX XXXXtore ATM outside to get cash but his was weeks before maybe a month no where near this XXXX XXXX area on this date. I am a honest man I would not say it was not me if it was What M & T credit is calling me is a XXXX and XXXX and I won ; t stand by for this I did not do this!!! Im so upset I dont know how this happen I would never go into this high crime area and withdraw cash I sent them police report # and my GPS info and still they denied said i have to pay I cant do this on fix income and I cant because i did not do this!!!

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 2022-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
I had an account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX The balance was XXXX ; however the status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at XXXX XXXX XXXX via the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
N accordance with the Fair Credit reporting Act of XXXX 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 604A. It also states a consumer agency can not furnish a account without my written instructions

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 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
N accordance with the Fair Credit reporting Act XXXX 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 604A. It also states a consumer agency can not furnish a account without my written instructions

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 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I received a notification on my XX/XX/XXXX about my credit score, that it had dropped down. I checked my score and credit and it said I was placed on collection from a tax collector company named Credence Resource Management LLC. I spoke to them and they said I had a balance due of {$1600.00}. They told me it was from XXXX XXXX XXXX XXXX XXXX. I told them I have never had XXXX XXXX XXXX XXXX XXXX Ive been with XXXX for many years now. I contacted XXXX XXXX XXXX XXXX XXXX and they indicated I had never had an account with them and they had not sent any bills to a collectors agency. I spoke to XXXX XXXX XXXX about I having XXXX XXXX  many years ago but the account was closed and I owed XXXX balance. They checked the account and I Don't owe them anything. Ive alerted XXXX XXXX XXXX XXXX about the possible fraud and they placed my account under possible fraud case. Im waiting on them to reply in a few days with whats the next step. Credence Resource Management said I had to filled out a fraud package with them and sent it to XXXX XXXX XXXX. With the address provided from them on the packet, I saw there is no XXXX XXXX XXXX fraud agency in the area. I blocked them on my email and flagged the email so i have it as evidence. As well I have never received any calls or emails from XXXX XXXX XXXX or XXXX on any bills I owed. Im very responsible with paying my bills on time. I was working hard on keeping my credit score high and now im a victim and lost many points on my credit score. I already froze my credit with all three credit accounts. im so upset about this please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have disputed errors on my credit report. They say its justified but showed no proof. None of my debt is updated and my XXXX loans are in forbearance due to family emergency medical bills and XXXX XXXX impact on finances. Im also in XXXX and XXXX. I have XXXX children. Two of which are XXXX. None of my reports are even accurate. This is severely impacting my ability to move forward. I need help. 
XXXX loans remarks are severely affecting my credit. XXXX doesnt update my acct timely and Ive been on time. Comemity Bank harassed me and is rude and discriminating and forces payment plans that I can not accept or is not in my financial price range. I cant get loan for a safe car for my kids due to all this incorrect errors or even a safe home to fit all my kids and we are not living in a healthy home either. Plus I have no idea why there are so many aliases and inquiries. I made a couple trying to get an auto loan for a safer vehicle but due to all this incorrect information its causing my family and myself XXXX XXXX Please someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
N accordance with the Fair Credit reporting Act XXXX 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 604A. It also states a consumer agency can not furnish a account without my written instructions

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 2022-07-10 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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act CONSUMER ADJUSTMENT CO Account # 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 2022-07-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reporting accounts included in bankruptcy and discharged incorrectly on my report and should be removed.

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 2022-07-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.Below you will find a screenshot of the account. 
XXXX  XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2021 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating back " They do not report any Bankruptcies to Anybody. '' So if that's the case .How did the Credit Bureaus verify my Bankruptcy as 100 % Accurate.They never did a Fair Investigation according to the 15 USC 168.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is to obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a Consumer 's Credit Report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated My Rights numerous times.

The Credit Bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C.1681 Section 602 A.States I have the rights to privacy.

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 2022-07-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2021 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating back " They do not report any Bankruptcies to Anybody. '' So if that's the case .How did the Credit Bureaus verify my Bankruptcy as 100 % Accurate.They never did a Fair Investigation according to the 15 USC 168.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is to obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a Consumer 's Credit Report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated My Rights numerous times.

The Credit Bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C.1681 Section 602 A.States I have the rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
XX/XX/2021 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating back " They do not report any Bankruptcies to Anybody. '' So if that's the case .How did the Credit Bureaus verify my Bankruptcy as 100 % Accurate.They never did a Fair Investigation according to the 15 USC 168.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is to obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a Consumer 's Credit Report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated My Rights numerous times.

The Credit Bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C.1681 Section 602 A.States I have the rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 2022-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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 2022-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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 2022-07-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
RE : XXXX - TransUnion is in clear violation of the law and my right to privacy as defined under the FCRA. I demand a reinvestigation into the methods used to verify the completeness and accuracy of the information presented on my credit profile. I repeat I WANT THE METHOD OF VERIFICATION USED TO VERIFY THE COMPLETENESS AND ACCURACY OF INFORMATION ON MY CREDIT REPORT. Furthermore, pursuant to 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions to TransUnion to furnish data on my credit profile regardless of the findings of the initial investigation. It has taken more than 30 days for the initial investigations. I demand the items I requested be removed from my credit file. XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX. CFPB this will be their final 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 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
Company has failed to comply and stop collection on account. I have advised the Debt Collector that the account was not mind and they are trying to collect on an account that is not even my name but attached to my credit report. I have disputed this account multiple times and they have failed to even attempt to remove even when clearly the account isnt mine because it doesn't even have my name attached. I WANT THIS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation