vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I checked my XXXX credit report and i see that the company CREDENCE RESOURCE MANA, is reporting a debt collection for the amount of {$2000.00}, however I dont remember having entered any type of contract with CREDENCE RESOURCE MANA or any agent thereof. With that i am requesting, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you and any and all documentary evidence pursuant to 15 USC 44, that includes all documents, papers, correspondence, books of account, and financial and corporate records. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to cease and desist any and every further action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company via my local venue and you would have to travel and defend yourself. I would be seeking actual damages or minimum {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the FDCPA including but not at all limited to section 807-8 and each violation of the FCRA including but not limiting section 623-b, whichever is greater.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: MI

Complaint narrative:
On or around XX/XX/2022 I received a overdraft notice from Netspend. I logged into my account to see that there had been several unauthorized ATM transactions by a worker/contractor who I had in my home doing work. I filed a police report and contacted the issuer of my Debit card ( NetSpend XXXX ) and I was told I had 0 liability due to the Mastercard branded card. Thye said they had to " investigate '' the incident and would get back to me. Now they are claiming " No Error '' occurred. Im still out the {$370.00} plus fee 's and loss time and use of my money.

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 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I cancelled my car insurance with XXXX XXXX and my apartment insurance. Now when I receive a letter and called them I get a young man threaten me and will not listen that I cancel the policy before XX/XX/2022. This company has been unprofessional once I sign up last year. All i heard in the background was baby crying like he was at home no professionalism and would not listen.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: FL

Complaint narrative:
On XX/XX/2022, I requested for the company to send me the method of verification used to determine the accuracy of my consumer report but up to this day, I still have not gotten the information as yet. I wish to clarify and personally investigate some issues with my credit but this company refuses to cooperate with and I have been informed that this is a violation of the FCRA laws. I want to file a complaint as my first step in taking legal actions should they continue ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. Account name : XXXX XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

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 2022-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

DEPT OF EDXXXX

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 2022-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

XXXX OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: MI

Complaint narrative:
On XX/XX/XXXX I tried to make a purchase they were quoted me one price but when I went to go check out they change the price. Ive been doing business with them since 2021. So I called them because Ive never had that to happen to me before & I have {$400.00}. XXXX  purchase. When I spoke with the representative he told me that they do credit checks every time you make a purchase. Ive never had a problem and Ive always purchased through them. And they never informed me that they were doing credit checks and I never authorize anyone to check my credit..they had my debit card they knew that the money was in my account. Once I told him that I never received anything stating that they were checking my credit and I never authorize them to check my credit. When I hang up that they denied my purchases and refuse to allow me to use the service and wiped out all of my purchasing power.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
About XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PayPal account to these fraudulent investment companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXY account # XXXX, and XXXX XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have notified EQUIFAX of the fraud contained in attached identity theft report. Equifax failed to do a reasonable investigation to accurately verify the debt. The debt is a result of identity theft. The reporting of any accounts included in the identity theft report are negatively being reported which nothing under the FCRA requires the furnishing of negative information. In fact it does require all consumer reports be fair and equitable to the consumer. The accounts below are result of identity theft. I never gave authorization or consent for the opening or reporting of the accounts below I notified Equifax in fraud in XXXX, XXXX, as well as XX/XX/2022. Equifax did not lawfully verify the accounts because if they did they would find in there investigation that its impossible for these debts to be accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: DC

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX  Now : # XXXX, XXXX XXXX Bank # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX Account XXXX Convergent Account # XXXX Total Due {$250.00} Phone Number XXXX Sometime in XX/XX/2022 I transferred service from XXXX to XXXX. 
Transferred 3 numbers XXXX XXXX XXXX. 

Now they are trying to bill me a " phantom '' XXXX number which I do not recognize and never used. 

Talked to 611 customer service and the supervisor, insisted the charge was legitimate. 
Why will I pay for something unknown and never used number by me and my family? 

Please help me resolve the issue it is not a valid charge.

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 2022-10-18 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: TX

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
got email that paypal charging me {$690.00}, for XXXX  XXXX  XXXX gb.sent from XXXX  XXXX  to my email, that came under XXXX. i do not have a paupal account, this has happen before with paypal, had to close all my account, open new one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-10-18 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: MO

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am having a problem with a credit reporting service known as XXXX XXXX. It seems they are showing inaccurate information. Upon viewing my Transunion report on XXXX XXXX, it shows that I have a missed payment. While your payment history starts at 100 % to represent you are in otherwise good standing, it has dropped to 85 % in just a matter of a couple of months. I have checked with my credit card companies to properly ensure that I have no missed payments and in fact my credit cards ( which there are only two currently ), are still fairly new. I am not sure if this a Transunion problem, or a XXXX XXXX problem being as that XXXX XXXX is supposed to receive its information directly from the credit bureaus otherwise known as Transunion. I have filed a direct dispute with XXXX XXXX and tried contacting Transunion about this problem, however Transunion can not tell me exactly what the issue seems to be. Currently I do not have any missed payments anywhere, however XXXX XXXX says I do which I feel is incorrect. It has also brought my score down significantly.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am consumer, submitting this complaint against XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX having received noticed that my Truth in Lending Act 15 U.S.C. 1602 credit card was suspended in violation of FDCPA 15 U.S.C. 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the... seizure... attachment, is lawful and the debt collector or creditor intends to take such action.

The debt collector As a result of unfair and deceptive debt collection practice I have been unfairly treated and impacted negatively by parties relying on unauthorized consumer reporting to organizations such as XXXX. XXXX XXXX XXXX is a debt collector engaged in deceptive, unfair and unconscionable, unauthorized practices in violation of the fair debt collection practices. The organization has improperly used the term XXXX in conflict of the Fair Credit Reporting Act and the Equal Credit Opportunity Act. 
The debt collector alleges a debt of XXXX deceptive in violation of 15 USC 1666d ( 1 ) in absence of requested verification by authentication or verfied judgement Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) I revoke the consent and direct debt collector ( s ), pursuant to FDCPA 1692e ( 1 ) ( 2 ) including XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX to cease communication and desist use of personal information and any and all injurious negative information, as right to opt out. The report has impacted me negatively in 1692 ( a ) ( 1 ), as I have lost my job and unable to work due to suspension of consumer credit device issued by state of florida XXXX XXXX. XXXX was instructed to delete all my personal information in accordance to 15 U.S.C. 1681b ( a ) ( 2 ). 
XXXX XXXX XXXX is the original creditor. 
This is an attempt to collect a debt from a debt collector and any information obtained will be used for that 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 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
On XX/XX/2022, I received an email from Aidvantage stating that theres a payment due next month for {$47.00}. There should not be a payment due, nor has there been one for at least a couple months, as my loans were all put into the national Covid forbearance. When I check online, just 1 loan has been taken out of forbearance, and has a past due amount of approximately {$23.00}. I have not received any information about this particular loan being taken out of Covid forbearance, nor that a payment was erroneously due last month. All my loans are through the Department of Education, none are private, nor are they the specific types of loans excluded from forbearance. I called Aidvantage to see what had happened and to make sure it wasnt going to affect my credit score. They assured me they would return the loan back to forbearance, however I have no way to make sure of this, except to wait, at which later point in time the erroneous past due amount may affect my credit score. Also, this is the second case in my history with that servicer where I would call for something to be done ( refund ), waited weeks for the refund, only to call and find out that the refund was never processed and that Id have to wait several weeks again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma said i was Pre-approved for loan with XXXX XXXX on XX/XX/XXXX, XXXX just to get denied and now i have a hard inquiry on my credit and my score dropped also.

Company response to consumer: Closed with explanation