vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
There was not an option for this in its entirety, so please see below : I received a call from Credence Resource Management , LLC referring to a debt I have no acknowledgment of, other than the fact that a different collection agency recently, illegally added the account to my credit report. It has since been removed after disputing the account for 1. not belonging to me 2. not following FDCPA New Regulation F.

I explained this information to the male who called me from Credence Resource Management , LLC and advised him that his company most likely purchased bad information. He became upset with me when I asked for him to mail me the information he had on the account, and to ensure the information he sends adheres to the New Regulation F guidelines.

Following, he said, " No, I'll just report it as fraud. Have a good day. '' and disconnected the call. Within a couple minutes, I received an alert from XXXX, notifying me that a fraud alert was placed on my XXXX report. I never requested this, nor did I say I was a victim of fraud. Now I am having to spend time trying to repair this issue so it does not negatively impact other businesses I am engaged in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has been reporting a charge off for 2 years after closing my credit card for Exercising my rights. Under the law this is called an adverse action. 

They are reporting to my consumer credit report as a charge off to which as of XXXX XX/XX/2022, I have never received a XXXX. 

I have requested the company to Validate the account pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). I requested that they provide the original ledger and/ or the authenticated record. They have not. I have also never received any documentation requesting validation. Per FTC 15 USC 1692d ( 4 ) this is called debt parking. 

I am aware that only the holder of a note may collect any alleged debt. This is unlawful extortion by reporting this to my consumer credit report. 

Pursuant to 15 USC 1681b I have not given capital one permission to furnish a consumer report. They are using my identifying information without my consent which is Identity theft under 15 USV 1681a ( q ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : ( Original Creditor : ) / {$2300.00} / XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Certified letters were mailed XXXX, XX/XX/15 and again in XXXX no resolution and cant confirm who is verifying this false information is inaccurate.

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 2022-04-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax 's credit report is constructed in a difficult to understand structure. I want my Equifax credit report to match both my XXXX credit report score of XXXX or XXXX credit report score of XXXX. ALL CREDIT REPORTS SHOULD BE THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I had gotten an alert from XXXX XXXX monitoring that new inquiry was made by USAA on the XXXX of XXXX I tried calling multiple times to close or report it as fraud, so it doesn't get approved since I didn't know anything about the USAA CC. I was transferred a dozen times each time I called or was put on hold for hours without any response. I requested a XXXX and after an hour was told it was approved to talk to a XXXX, but then was cut off during the transfer. I had XXXX more credit alerts this week XXXX the address was changed to XXXX XXXX XXXX XXXX in Tx and there was a {$14.00} charge and I lost XXXX points on my credit. I tried calling USAA, but no help I called XXXX and they looked into it. There was an CC issues at the end of the year 2000. I never activated it so almost 20 years later they did a credit inquiry and charged me {$14.00} for nonuse of a credit card I never used 20 years ago. For some reason USAA changed the XXXX address to the shady XXXX XXXX in Tx and that is their credit card department address is what i was told. After XXXX hours of being on hold today I still have gotten nowhere with them. I need the card any anything associated with USAA cancelled and refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$250.00} / XX/XX/2022

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 2022-04-05 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: TX

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Nicholas Financial Inc.
State: GA

Complaint narrative:
When I got the truck off the car lot its was running fine then when I went to pick my kids up from school and started smoke and I had find someone take the truck over where he at and so I call the tower truck man come pick it up and he gave back next day and the air went out and the truck then its raining in there and the truck from the top so o ask him can I get XXXX row for me and my kids got XXXX kids so he gave me A XXXX seat and told me try to wait until XXXX so I try them i after I got XXXX tickets I call him told him dont want do truck no more cause I have got a tick and there so the bank man call me and say why wouldve he give u a big truck for kids and I took the truck and drop back off at his lot and its was pay update so the man at bank XXXX the truck to someone else and tell me that I have to pay for something didnt work for me at all after someone else got truck Im Not about to pay for no truck that I dont have and what he sold for cause I told him what was wrong with truck I think its was lemonade cause i away couldnt go home to XXXX XXXX  the truck will get hot fast and my kid always sweating In theres. He just wrong for charging me XXXX XXXXXXXX dollars and he sold the truck then put its on credit. That not rite all how someone gone pay for a trust that they ant got and I made the payment when I had the truck even know I drop off early month and I still pay the truck theyl so I stop pay for it Cause thats just wrong making someone pay for a something they Ant got and I just draw XXXX so how can I pay for something when my check XXXX XXXX even no i dont have incomes like that no more cause my kids income have dropped

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXt # XXXX & # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXt # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 -It also states a consumer reporting agency can not furnish an 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 2022-04-05 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: IL

Complaint narrative:
n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance with fair credit recording act XXXX  Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish A account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: IL

Complaint narrative:
n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX consumer n accordance with fair credit recording act XXXX Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish 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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX / {$62.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Received a call from a representative claiming he was with XXXX XXXX, a utility company. He claimed that I had an outstanding balance of $ XXXX and needed to be paid immediately or my service will get disconnected that day. He walked me thru process of creating Zelle recipient and making a payment thru Zelle. My first transaction, he claimed had an error on it after I sent it. So he said he was going to cancel and he then walked me thru second transaction and then sent it again. Both transactions were in the amount of $ XXXX first transaction was sent to XXXX and XXXX transaction was sent to XXXX. XXXX came from a XXXX XXXX @ XXXX. 

The issue is with Zelle, the transaction can not be cancelled once it is sent. There is recourse when sending to a fraudulent account or a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Certified letters were mailed XXXX, XX/XX/15 and again in XXXX no resolution and cant confirm who is verifying this false information is inaccurate.

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe XXXX  XXXX XXXX COLLECTION Amount Of {$120.00} Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my 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 2022-04-05 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: CT

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX / {$62.00} / XXXX/XXXX/2022

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 2022-04-05 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: CT

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX  / {$62.00} / XX/XX/2022

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
There is someone with a similar name as mine but no middle name! Ive never lived in XXXX but have a over XXXX debt popping up on my excellent credit! I disputing this with XXXX and, you can get a rep on the phone & it remains this has to be illegal it is years old and, only a few years remaining on my credit I want it removed immediately it isnt my social security number or my correct full name also Ive never lived in XXXX or at this place! Please assign me a rep so I can go up against this company they need to penalize and punish the correct social and individual not me or my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-05 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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-05 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: WI

Complaint narrative:
Allowing XXXX XXXX XXXX  a collection account to report same debt with different account numbers on my credit report. Never opened contract with XXXX XXXX  but says account is verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
i have more than 6 months trying to get validation of debt and i havent been provided with the results of validation of the debt. i submitted an ftc report and still no change. 
equifax XXXX XXXX  XXXX acct number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX has been reporting a charge off for 2 years after closing my credit card for Exercising my rights. Under the law this is called an adverse action. 

They are reporting to my consumer credit report as a charge off to which as of XXXX XX/XX/2022, I have never received a XXXX. 

I have requested the company to Validate the account pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). I requested that they provide the original ledger and/ or the authenticated record. They have not. I have also never received any documentation requesting validation. Per FTC 15 USC 1692d ( 4 ) this is called debt parking. 

I am aware that only the holder of a note may collect any alleged debt. This is unlawful extortion by reporting this to my consumer credit report. 

Pursuant to 15 USC 1681b I have not given XXXX XXXXXXXX permission to furnish a consumer report. They are using my identifying information without my consent which is Identity theft under 15 USV 1681a ( q ) ( 3 ).

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 2022-04-05 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: CA

Complaint narrative:
I have requested for validation of the accuracy of how they're reporting on my account. It's reporting that my account is paid, but late at the same time. I don't understand how I can be late on a paid account. I have asked, via letter for this to be updated to paid as agreed, never late. PLease correct the errors as it violates section 1623 of the USC accuracy of reporting.

Company response to consumer: Closed with explanation