vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CREDENCE RESOURCE MANAGEMENT Attn : Debt Validation Department XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Subject : Debt Validation Request Dear Sir/Madam, I am writing in response to your communication regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of the debt, including the following information : The name of the original creditor. 
The amount of the alleged debt. 
A detailed statement explaining the nature of the debt. 
A copy of the original contract or agreement that created the debt, or other evidence proving that I am legally obligated to pay this debt. 
A detailed accounting of any interest, fees, or other charges added to the original debt amount. 
Please note that I am not acknowledging the validity of the debt at this time. I am merely requesting verification in order to ensure that I am being contacted regarding a legitimate obligation. I understand my rights under the FDCPA and expect a response within 30 days of your receipt of this letter. 

Please be advised that during the verification period, you are required to cease any collection activities until you provide me with the requested information. 

Thank you for your attention to this matter. Please send the requested validation to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an AMEX Gift card with a XXXX $ credit. 
I have tried so many times to use it, and it has been impossible, getting rejected in all places. 
AMEX says just choose another retailer, but nothing works and my card is already expiring because I am not able to use it. 
I also followed all the advise in this thread : https : XXXX No luck!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I need your support to resolve the problem of a false account showing on my credit report. This has had a negative effect on my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate reporting.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
This letter is in response to your recent claim regarding the below noted derogatoriness, which you claim currently despite to date failing to presentate any document demonstration of the factually true correct validated aspects of claim ( s ), much less display any evidence ensuring claim 's reporting ( s ) is now and has always been in full certifiable compliance of reporting standards to include within the requisites of the mandatorily perfect and complete certified XXXX XXXX formatted reporting standard ( s ). 

So yet again, you have failed to submit required evidence of claim or claim 's report-ability as related to compliant mandates of reporting and therefore allegation ( s ) must be fully and permanently eradicated, so do so now! 

Given that I believe you are acting in bad faith, and have not complied with the federal and state laws, I have filed a Small Claims lawsuit against you or am in the process of doing so based upon your response to this notification and demand letter for you to report ONLY FACTUALLY VALIDATED and CERTIFIED COMPLIANTLY PROCESSED CLAIM ( s ). 

Undoubtedly you are aware that my state 's and the federal laws and standards of valid compliant factual consumer credit reporting REQUIRE any and all claims to be PHYSICALLY VERIFIED, fully true, ACCURATE, COMPLETE, of a known undoubted ownership of responsibility, CERTIFIABLY COMPLIANT in its process of reporting including but not limited to the mandatorily perfect submission of the correct complete certifiable XXXX XXXX FORMATTED reporting standard ( s ) and otherwise be undeniably validated. 

The following item ( s ) are currently reported deficient of minimally requisite criterion of lawful compliant reporting of only physically verified true validated claims so MUST be immediately and permanently eradicated from reporting. 

I DEMAND that you here today even NOW remove from reporting this and all associated negative information so in effort to return to required lawful compliant reporting :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Currently, you are reporting inaccurate and incomplete information in regards to the below noted medical account ( s ). I demand that you contact the accuser ( s ), as I have already done, and demand a validation of the debt ( of course they can't provide the statement at this time ).

Fact is, the alleged account ( s ) is ( are ) being illegally reported on my credit report. Previously, I have formally contested it directly with the supposed creditor and collector alike to no avail as they seem content on ignoring lawful reporting and/or collection requisites in regards to their illegal reporting, and have not received any satisfactory replycertainly nothing substantiating the claim nor remotely resembling a physically verified item of truth, correctness, and validity.

Much less a grain of hope that it is factually compliant to its mandatory certified XXXX XXXX format reporting standards! Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA.

Please complete your investigation of this item of misinformation and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect repossession allegation ( s ) immediately and permanently.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
Having problems with all these second and third party consumer reporting companies selling my data to the three major credit bureaus without my consent, also I have been trying to opt out/freeze my data with these companies since XXXX XX/XX/year> to present, but nothing have been resolve and my credit with the three major credit bureaus have been incorrect since! XXXX XX/XX/year> to present, I will have a list of these consumer reporting companies on the second part of my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion continues to furnish inaccurate unlawful Child support information. Child support is not a Consumer credit transaction therefore should not be reported. 
XXXX XXXX XXXX  XXXX {$1300.00}

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 2024-12-16 00:00:00
Product: Credit reporting 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:
I am a victim of a data breach my Personal Information from the 3 credit bureaus was stolen And used

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 2024-12-16 00:00:00
Product: Credit reporting 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:
I am a victim of a data breach my Personal Information from the 3 credit bureaus was stolen And used

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 2024-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HILLTOP HOLDINGS, INC
State: SC

Complaint narrative:
I applied for a forbearance with prime lending due to hurricane XXXX. I was approved for the forbearance of my monthly mortgage payments {$1200.00}, for XX/XX/year> through XX/XX/year>. Within XXXX weeks of getting my forbearance I was already getting delinquent notices that I was late on my payment and phone calls I called prime lending to let them know what was happening and they brushed it off saying oh that's the billing department don't worry about it I called again and they did the same thing I called again and they did the assuring me that it would not go on my credit. I checked my credit score on XX/XX/XXXX and found out that my credit had dropped XXXX points that they've been reporting to the credit Bureau that I was delinquent on my monthly payments when I was on a forbearance and still am on a forbearance currently thus trashing my credit. During all of this they sold my loan as of XX/XX/XXXX to another loan agency. Making things exponentially more complicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-12-16 00:00:00
Product: Credit reporting 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
Have tried to opt out/freeze consumer data with all of these second and third party consumer reporting companies dating back to XXXX XX/XX/year> to present, but nothing has been resolved, these companies have been selling my data without my consent and I have already told them to stop, but they continue to sale my data to the three major reporting credit bureaus without my consent and this data has been incorrect on my three credit reports since XXXX XX/XX/year> to present, these data consumer companies will be listed on the second part of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Have tried to opt out/freeze consumer data with all of these second and third party consumer reporting companies dating back to XXXX XX/XX/year> to present, but nothing has been resolved, these companies have been selling my data without my consent and I have already told them to stop, but they continue to sale my data to the three major reporting credit bureaus without my consent and this data has been incorrect on my three credit reports since XXXX XX/XX/year> to present, these data consumer companies will be listed on the second part of my complaint.

Company response to consumer: Closed with non-monetary relief