vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX  ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX  ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. 

You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( 3 ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX  and received within ten ( 10 ) days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received 2 emails on XX/XX/2022 at XXXX from Truist Bank stating that a new account has been opened With my name. One of the e-mails provide the last 4 digits of the new account number. 

The other email is confirmation that A user ID was created. Ive never used Truist or Suntrust for banking.

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 2022-04-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer

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 2022-04-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed in a certified letter to disputes 2 XXXX  XXXX accounts that have factual errors and need it to be investigated and DELETED asap. I have proof that the letters were received by EXPERIAN and have confirmation. I have not received acknowledgment that they have received the disputes. I called today just to see the update and was told that they never received anything and that they have nothing on file. I need them to investigate and find my disputes which was received by them on XX/XX/22

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 2022-04-19 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: ID

Complaint narrative:
This XXXX  XXXX XXXX XXXX XXXX  is located inside XXXX XXXX XXXX. The dealer sold me a defective vehicle that was deemed unsafe I notified the XXXX XXXX XXXX rep XXXX. She would not help. I recorded our call. After months of endless complaint the Idaho department of transportation notified me I could file a surety dealer complaint. I did so. I also submitted a revocation of acceptance letter which the finance company received and recorded they received the letter. The surety settled and all money owed and any interest was sold, assigned, transferred to the surety. I am legally not responsible for the loan. In addition the vehicle was taken by the XXXX XXXX The finance company has been aware i have sent several disputes of the inaccurate reporting of the account in addition they committed fraud at initial signing of loan. They continue to report this account that I am not responsible for and that is completely inaccurate damaging my credit a great amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
This XXXX XXXX XXXX XXXX XXXX  is located inside XXXX XXXX XXXX. The dealer sold me a defective vehicle that was deemed unsafe I notified the XXXX XXXX XXXX rep XXXX. She would not help. I recorded our call. After months of endless complaint the Idaho department of transportation notified me I could file a surety dealer complaint. I did so. I also submitted a revocation of acceptance letter which the finance company received and recorded they received the letter. The surety settled and all money owed and any interest was sold, assigned, transferred to the surety. I am legally not responsible for the loan. In addition the vehicle was taken by the XXXX XXXX The finance company has been aware i have sent several disputes of the inaccurate reporting of the account in addition they committed fraud at initial signing of loan. They continue to report this account that I am not responsible for and that is completely inaccurate damaging my credit a great amount.

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 2022-04-19 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:
The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXX XXXX XXXX Account # XXXX The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This was not done. 

They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 

The Credit Bureaus stated this account was properly investigated and verified with XXXX and the US Bankruptcy courts but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. 

They have violated the law because according to 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 an 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 adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

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 confidentiality under 15 USC 1681.

chase freedom account # XXXX credit card # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX  XXXX act # XXXX XXXX Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX  XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX Acnt # XXXX XXXX XXXX XXXX # XXXX {$220.00} I've disputed these accounts multiple times with Transunion, XXXX and XXXX over the past year and they are still appearing on my credit 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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I reach out to American First Finance about my account showing on my credit. When I did the automated service my information would not pull up, so I asked to speak with a rep. Once I spoke with a rep she informed me that my account was sent to a deft collector and she gave me Mercentile information. I reach out to them and was told my balance was XXXX but on my credit its reporting XXXX. So the rep told me that I would need to reach back out to American First for them to update anything on my credit. I called American First back and spoke with a Rep I explained that the balance was not the same as shown on my credit and if it could be updated on my credit. She told me that I would need to reach out the debt collector to make a payment. So I asked her why was the balance different she stated that she did not know and that I made a payment of XXXX. So I asked if I paid the XXXX why hasnt the balance been updated. She stated that I needed to pay the debt collector. So at that point I was confused. I asked her the same thing 5 times and she told me I already paid the XXXX. I even explained that I was trying to buy a house and needed to get this taken care of. I eventually asked for a supervisor and she transferred me back to the debt collector. So I called back to American First and she answered again and told me a supervisor was not available. A few days later I get a voicemail stating that American first was reaching out because of my complaint. I thought it was a supervisor and it wasnt. The guy said a supervisor would call me and I still havent received a call. Also I was told that my complaint would be passed over to the credit department for investigation on last week. Still no update. so I called today and waiting on hold for over 30 minutes and still didnt get any answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 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: VA

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 confidentiality under 15 USC 1681. 
XXXXXXXX XXXX  XXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account XXXX : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX DPT EDXXXX Account # : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-19 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: VA

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 confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXXXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account # : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX DPT EDXXXX Account # : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2022-04-19 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
in accordance with the Fair Credit Reporting Act MIDLAND CREDIT MANA

GMENT has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. - MIDLAND CREDIT MANAGMENT has sent physical correspondents regarding an owed debt. 3rd party 's viewed these documents. 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 2022-04-19 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: NV

Complaint narrative:
During XXXX, I was attending graduate school at least half time. XXXX, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that XXXX was demanding payment. I spoke with a representative from XXXX, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. XXXX also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, XXXX continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, XXXX continues to report my accounts as 90 days delinquent. XXXX is violating the FCRA, and/or other laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
During XXXX, I was attending graduate school at least half time. XXXX, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that XXXX was demanding payment. I spoke with a representative from XXXX, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. XXXX also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, XXXX continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan.

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, XXXX continues to report my accounts as 90 days delinquent. XXXX is violating the FCRA, and/or other laws.

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 2022-04-19 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: TN

Complaint narrative:
On XX/XX/XXXX I tried to transfer {$220.00} from my Venmo account to my bank account. Venmo used a secondary card for that transaction instead of my primary card that I use daily. The transfer is lost in the cloud somewhere. First I was told wait 3-5 days to see if it fixes itself. Acceptable. Only it didn't. When I called back, I was hung up on. I called again and was refunded the fee but told nothing could be done about the bulk of the money or the transfer. I emailed support and was told to wait another 8-10 days for another email with further instructions. At this point I'm assuming my money is just gone. A financial institution with no answers or resolutions. Scary. A class action lawsuit is sounding like the solution after reviewing their XXXX and the comments from 100 's of other customers experiencing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: NM

Complaint narrative:
Someone keeps calling me and leaving voice mail messages IN XXXX. I DO NOT SPEAK XXXX. I SPEAK ENGLISH ONLY. However, the messages included the words, UNITED COLLECTION BUREAU , INC My current credit score is XXXX points. I HAVE NO DELINQUENT ACCOUNTS, nor have I EVER had a delinquent account. I'm a RESPONSIBLE PERSON. I PAY MY BILLS ON TIME!!!

UNITED COLLECTION BEREAU IS CONTACTING ME WITH THE INTENTION OF FORCING ME TO PAY A DEBT THAT IS NOT MINE, AND THAT I DO NOT OWE.

Company response to consumer: Closed with explanation