vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AK

Complaint narrative:
I moved out of XXXX XXXX XXXX XXXX in XX/XX/2022 and submitted my notice in writing to move out by the end of XXXX. In that written notice I requested a copy of the move out charges be mailed to my new address which I also included in the letter. I never received anything. On XX/XX/XXXX, I get a message at my job to call back a man named XXXX. I call back and its a debt collector with IQ Data demanding I pay the balance in full immediately. I explained to XXXX I had every intention of paying for what I owe but I had not received a breakdown of what I was being charged for. I explained that I was told I wouldnt be charged for certain things and I needed to know that I wasnt paying for something I dont owe. I also need to know how my security deposit was applied. XXXX claimed he was going to email me this exact information then tried to pressure me into paying before I could see this email. I asked why I wasnt able to dispute the debt and he responded by saying I could only dispute it if I paid for it. I know this to be a violation is section 809d of the FDCPA, so I demanded I be able to check my email and review the information before I called back and paid. XXXX proceeded to tell me that if I did not pay before seeing this proof he would mark the account as a refusal to pay and take the further action. I explained that I knew my rights and would be calling back as soon I I reviewed the email. What I received was a list of charges all described as move out charges and nothing showed my security deposit was applied toward the balance. So I called back and complained to a manager. She also tried to mislead me into thinking I did not have the right to dispute until I brought up the CFPB. Then she explained that I would need to submit my dispute in writing though she did say an email would suffice. I immediately emailed the dispute to the address she gave me, explaining that I need more than a generic list of unspecified charges including a breakdown of how my security deposit was applied. On XX/XX/XXXX they finally mailed me the exact same proof they had emailed me in XXXX. I sent a follow up email explaining, the documentation they sent was not sufficient and I reiterated what information would be necessary to properly validate the debt. I have not received a response but I did just get an alert that the collection account has hit my credit. I dont need credit for anything, however I was not given the opportunity to pay what I legitimately owe before they reported it. I have been forthcoming about my intentions and due to the unethical and illegal practices of IQ data I have suffered stress and financial repercussions that should have been avoided had they respected my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 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: MD

Complaint narrative:
On XX/XX/XXXX I have requested proof of accuracy and investigation from the CRA regarding a collection account with significant inaccuracies and have been unsuccessful. This process has been hazardous to my health and families well being. In accordance with CDIA METRO 2 COMPLIANCE PROCEDURES and the FCRA, every item being reported shall be 100 % accurate, timely and verifiable. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). XXXX XXXX XXXX XXXX accounts on my profile is not reporting correct and true. Ive never giving authorization under form SSA-89 to share my name, social security number nor any other private identifying information which makes said collection account reporting identity theft. Is this account metro 2 compliance? Today is XXXX, XXXX and i have not received a response nor update, that makes EQUIFAX Noncompliant. I EQUIFAX a dispute letter with the concern that this account has yet to be properly been investigated as federal law requires interviews to be conducted under 15 U.S. Code 1681i ( 7 ) and CDIA metro 2 compliance procedures of 1997 require identifiers. I am seeking help and protection unproven, illegal data sharing, non compliance acts placed on my report without proper investigation. Please remove XXXX XXXX XXXX from my credit report i have no acknowledge of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: HI

Complaint narrative:
This scam has happened twice now. With the most recent being the most promising in appearance. The first one was for {$350.00} and I was told CASHAPP couldnt get it back to me. This time its {$1000.00} and {$650.00} they sent to be turned into XXXX. The scam started on XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX He then gave his XXXX  ( XXXX ) where on his story he shows multiple XXXX saying they received payments. He asked for {$110.00} using a bit of foot in the door psychology to ask for more. Then he directed me to an agent who contacted me via email ( XXXX ). They said I needed to pay processing fees that now amount to {$900.00}. They then told me another accountant would pay me. The accountant paid {$650.00} to me but demanded I give it back in XXXX. Their email is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My husband and I both had checking accounts with BBT ( branch banking and Trust ) now known as Truist. I noticed that for both checking accounts {$30.00} was deducted each month, totally $ XXXX  monthly since XXXX. Apparently the bank had signed us up for accounts that require $ XXXX minimum balance. We have NEVER had that amount in our checking accounts. Once we refinanced in XXXX, the bank started charging us as we no longer had a mortgage with the account. Neither of us noticed this charge as the amount was so small each month and it was listed as " maintenance fee '' online. We both assumed if was for our son 's apartment at school. Truist calls me weekly to offer new products and not once were we informed about this fee. 

We met with branch manager XXXX XXXX on XX/XX/XXXX. We requested an investigation and he stated he would have to file it on our behalf and someone would reach out to us within a week. I have been emailing XXXX weekly and have yet to hear back from someone at the complaint department. 

When we met with XXXX on XX/XX/XXXX, he informed us the type of checking account we had that charges the XXXX XXXX monthly maintenance fee is no longer being used by Truist. We have concerns if that is true, then why were we still be charged monthly for an account they no longer utilize. It is very shady practice. I am sure we aren't the only people who are being charged and have no idea.

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 2023-03-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX # XXXX {$380.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written permission, consent, or instructions.

I have contacted this company several times asking for a contract. I have been told that a contract was formed over the phone. I would like phone logs and voice recordings to prove that this account is mine

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 2023-03-19 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The information below is incorrect and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- Phone Numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ( XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX -- Names XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX My Name is XXXX XXXX XXXX XXXX 
My Address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX My phone number is ( XXXX ) XXXX, My rights has been violated. 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 2023-03-19 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The information below is incorrect and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- Phone Numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ( XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX -- Names XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- Address XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX My Name is XXXX XXXX XXXX XXXX 
My Address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX My phone number is ( XXXX ) XXXX, My rights has been violated. 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 non-monetary relief
Consumer complaint received 2023-03-19 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My XXXX  XXXX card alerted me of a change to my experian credit report. Saying this : A lender requested a copy of your credit file. 

Reported By Comenitycapital/acadmy XXXX XXXX XXXX XXXX, OH XXXX Reported On XX/XX/2023 There is contract information for them and they are not recognized by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Reopen complaint XXXX or submit this as a new joint complaint. 
On XX/XX/2022 my account with XXXX XXXX XXXX was canceled. They continued to bill me until XX/XX/XXXX. I called to dispute the charges. Double billed me for XX/XX/XXXX to XX/XX/XXXX. Talked to several representatives in billing, loyalty, and cancellation department. All acted like they did not see the billing error or there was nothing they could do about this because the system was not allowing adjustments on a canceled account. I should only have to pay for services that were used. I calculate that I only owe {$350.00}. I have also made a payment to XXXX of XXXX. Then Credence inserted this on my credit report, never notified me that had the account. Falsely reporting that I made payment to them. XXXX is still accepting payment on this account Credence can not insert false information on my report. I can not owe both companies one debt. 

Company did not validate the charges. Sent me a final bill as proof of valid charges. Did not address the fact that I stated that XXXX XXXX XXXX  double billed me for one month of service and expect me to agree to the charges. Phone not been active since the end of XXXX when service was originally suspended. Switched to XXXX on XX/XX/XXXX because I was in the process of onboarding with a new employer when XXXX XXXX XXXX interrupted my service and refused to reinstate or anything after being a loyal customer with no previous phone interruptions. I will not pay the balance because I do not agree with the amount. I was never under a contract, if so produce it. Called XXXX XXXX XXXX several times and they did nothing to rectify the situation. Credence can not insert inaccurate information onto my credit file. I repeat I do not owe XXXX XXXX XXXX the amount that they are stating. I did owe them for the remaining payments on a XXXX XXXX and that is the amount that was paid. Do not blatantly lie and say there was no phone on the account when I have proof. I will not make another payment for this account until they prove that all the remaining charges on the account are valid. Submitted proof that I was double billed and Credence continues to assert that I owe the full amount. If they continue to report this inaccurate information on my credit files, I will seek monetary damages for slander.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Account Name : Dept of Ed/XXXX Account # XXXX Date Opened XXXX Amount {$3000.00} Account Name : Dept of Ed/XXXX Account # XXXX Amount {$3900.00} Date opened XX/XX/XXXX Account Name : Department of Ed/XXXX Account # XXXX Amount {$39000.00} Dept Education/XXXX Account # XXXX and # XXXX Opened Dates XX/XX/XXXX XXXX XX/XX/XXXX ALL OF THE ABOVE ACCOUNTS REPORT DIFFERENT AMOUNTS. 
Account Name : XXXX ACCOUNT Amount XXXX ( This account was somehow picked up by the school XXXX UNIVERSITY when my loan was with Federal Direct loan Services originally. It had already been included in a loan consolidation but latter appeared causing all of my accounts to report incorrect amounts. ) All of which are in violation of my rights according to : 15 USC 1681s2 A person shall not furnish any information relating to a consumer to sny consumer reporting agency if the person knows or have reason to believe that the information is Inaccurate.

Under 15 USC 1682 a ( 2 ) ( 1 ) Fair Credit reporting collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.

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 2023-03-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Account Name : Dept of Ed/XXXX  Account # XXXX Date Opened XXXX Amount {$3000.00} Account Name : Dept of Ed/XXXX  Account # XXXX Amount {$3900.00} Date opened XX/XX/XXXX Account Name : Department of Ed/XXXX  Account # XXXX Amount {$39000.00} Dept Education/XXXX  Account # XXXX and # XXXX Opened XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALL OF THE ABOVE ACCOUNTS REPORT DIFFERENT AMOUNTS. 
Account Name : XXXX ACCOUNT Amount XXXX ( This account was somehow picked up by the school XXXX XXXX  when my loan was with Federal Direct loan Services originally. It had already been included in a loan consolidation but latter appeared causing all of my accounts to report incorrect amounts. ) All of which are in violation of my rights according to : 15 USC 1681s2 A person shall not furnish any information relating to a consumer to sny consumer reporting agency if the person knows or have reason to believe that the information is Inaccurate. 
Under 15 USC 1682 a ( 2 ) ( 1 ) Fair Credit reporting collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.

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 2023-03-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Account Name : Dept of Ed/XXXX Account # XXXX Date Opened XXXX Amount {$3000.00} Account Name : Dept of EdXXXX Account # XXXX Amount {$3900.00} Date opened XX/XX/XXXX Account Name : Department of Ed/XXXX  Account # XXXX Amount {$39000.00} Dept Education/XXXX Account # XXXX and # XXXX Opened Dates XX/XX/XXXX XXXX XX/XX/XXXX ALL OF THE ABOVE ACCOUNTS REPORT DIFFERENT AMOUNTS. 
Account Name : XXXX ACCOUNT Amount XXXX ( This account was somehow picked up by the school XXXXXXXX UNIVERSITY  when my loan was with XXXX XXXX XXXX XXXX originally. It had already been included in a loan consolidation but latter appeared causing all of my accounts to report incorrect amounts. ) All of which are in violation of my rights according to : 15 USC 1681s2 A person shall not furnish any information relating to a consumer to sny consumer reporting agency if the person knows or have reason to believe that the information is Inaccurate.

Under 15 USC 1682 a ( 2 ) ( 1 ) Fair Credit reporting collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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:
XX/XX/XXXX I sent my letter. I told the credit bureaus to " investigate every piece of information '' on accounts I listed below. Also I have attached the letter I sent out and here is the tracking Number ( XXXXExperian ) ( XXXX ) ( XXXX XXXX through USPS.

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. 

Account name/number- XXXX XXXX XXXX XXXX XXXX Account name/number- XXXX XXXX XXXX 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 Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( The Creditors ) XXXX XXXX XXXX and XXXXXXXX XXXX the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with the company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
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 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