vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 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: Kriya Capital, LLC
State: TN

Complaint narrative:
This company, Credence, says that I owe them money and that my account is in collections when that its not true. I owed XXXX XXXX XXXX for equipment they CLAIMED they never received. I paid XXXX XXXX XXXX, not this Credence company as I don't owe them anything. I paid XXXX XXXX XXXX  XXXX. Yet this company placed this on my report as a collection and in turn XXXX dropped my scored by XXXX points. I contacted XXXX and they removed it. Yet XXXX has not responded. I showed them proof. I contacted Credence and gave them the proof, although I dont know why I had to do that when it is an XXXX XXXX XXXX  account. So they should be in this complaint as well. Yet, Credence still sent this to the credit bureaus AFTER the fact. This is causing undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 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: FL

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. 

Account name : XXXX XXXX XXXX Account number : 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian, XXXX and XXXX This is my FINAL WRITTEN REQUEST that you immediately remove all unverified accounts from my credit report. All accounts that are " verified '' I need the chain of custody and information of every involved in the verification process. These accounts listed on the attached dispute letters that remain on my credit report are in violation of 15 USC Section 1681. 

Repeat failure to obey the law will result in judicial intervention, subjecting your company to damages under the FCRA, including but not limited to actual damages, consequential damages, attorney 's fees and interest. 

UNVERIFIED ACCOUNTS STILL REMAIN ON MY REPORT, meaning that precise NOT properly veracious CORRECT entire VALIDATED and CERTIFIABLY COMPLIANT REPORTING claims are listed upon my credit profile in violation of REQUISITES of regulatory reporting laws and standards of reporting, particularly in relation to considerations of the FCRA and FDCPA laws and the mandatory perfect and outright METRO 2 formatted reporting standard ( s ) for compliance!!! This is a violation of Federal Law. Case law is clear, you may NOT PARROT info received from an account holder via phone call, computer email or log, E-Oscar, etc., to verify any account you are reporting on. Nor is it my responsibility to verify the account! 

In clarity, THE CRA 'S personally have PHYSICAL possession of the documents, IN THEIR OWN FILE, to verify the truth, the correctness, the completeness, the validity of, and the certified compliance of reporting of the accused derogatory item ( s ) of reporting, be it bona fide or not. Your failure to provide me same as requested, in violation of the law, is clear evidence that the account is truly unverified, therefore NOT tractably recorded in vile infraction of law and my consumer right ( s ). 

Your failure, therefore, to remove the unverified accounts is a willful violation of the fair Credit Reporting Act Section 616. You are required under Section 611 ( 5 ) ( A ) of the Credit Reporting Act to promptly edit out all information that is not properly verified. If you do not have the documentation in your own PHYSICAL possession, the item accused is factually UNVERIFIED, and in such as well not undoubtable inarguable appropriate, correct, valid and certified compliantly rumored.

YOU ARE NOW IN OPEN VIOLATION OF 15 USC 1681N & O!

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 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I have a prepaid XXXX that has not been used but it is expired. It is within the five years of the expiration date of XX/XX/2020. The company, " XXXX '' refuses to speak to me about retrieving the money or replacing the card because it is expired. I need assistance with getting the funds from the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: AL

Complaint narrative:
There is a collection amount for {$140.00} from XXXX, I've never done business with nor have I applied for any apartment with the company listed above. I had made a dispute with TransUnion to investigate and to provide proof with documentation of my signature bearing my obligation. There is no account number, etc. This information is frivolous.

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 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: SC

Complaint narrative:
I called the following Discover Card services and spoke with supervisors XXXX XXXX XXXX XXXX and XXXX ( XXXX  ) about money coming from my bank account for a Discover Card that I had not used in over 20 years : DISCOVER BANK XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX  XXXX XXXX On XX/XX/XXXX at XXXX XXXX I spoke with Discover Card supervisors, XXXX ( XXXX  ) and XXXX ( XXXX  ) about Discover Card charges that was on my free annual credit card report. I am XXXX XXXX XXXX, and I have not charged any purchases on the Discover Card since XXXX. My daughter checked my credit, today, because money was being taken out my bank account, monthly, and I didn't know how to stop it. I was told by XXXX and XXXX that I was being charged for XXXX XXXX ( {$5.00} ) and XXXX XXXX XXXX ( {$2.00} ) on a credit card that I had not made a purchase on in over 20 years. I never requested protections from Discover Card. Discover Card has been charging me {$40.00} per month for {$8.00} protection plans. I paid off $ XXXX to Discover Card in XXXX for a XXXX  charge, and asked them not to charged anything else on this card. Now, Discover Card is stating I owe {$1400.00} for no purchases I made, but for the protections on the credit card, and Discover Card has been charging my account {$40.00} since XXXX. Why would I put protections on a card that I have not used in 20 years? I am old and I am not educated about these new things, but I am on a fixed income and I want my money back. I have never used Wallet Protection or Identity Protection. I do not know how to use these protections. I just want my money back. If my daughter had not check on my credit, Discover Card would have still been charging me $ XXXX  monthly. How can you charge for protections on a credit card from someone that has not purchased anything on the card for 20 years? The card should have been made inactive after the cardholder had not made any purchases in 12-18 months. I feel like Discover Card took advantage of an elderly person that just didn't understand about the charges, and didn't realize that the payments were for protections for the card. I am too old to give Discover Card {$9000.00} for a card that has not been used for purchases in 20 years. XXXX said that I would be refunded XXXX payments : {$240.00}. Discover Card charged me {$40.00} for 240 months. I am XXXX XXXX XXXX, and I can use that money for medical bills and medicines. I do not need a Discover Card and I do not need the services of Wallet and Identity Protections I do not want.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08 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: FL

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. 

Account name : XXXX Account number : 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 2023-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have had many issues with Harris and Harris in the past. In fact, they called me nonstop from various different numbers with both KY and NY area codes for about 8 MONTHS relentlessly. Sent me tons of spam mail in that time, and texts too! I called them on many occasions letting them know I am not the insurance policy holder/person responsible for northwestern medical bills as I'm under my parents ' insurance. I have repeatedly given them the correct contact information of my father who can pay whatever bill is necessary, but they always end up coming right back to me. My dad already paid them no more than 6 months ago too, now they're saying they need {$25.00}? And they're back to spam calling me with NY and KY area coded numbers and spam mailing me. Again. I just lost my job and applied for XXXX and their harassment is the last thing I need, granted I'm not even the one responsible for the debt and I've repeatedly told them that and to stop contacting me/contact my father who can pay whatever is needed instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Kikoff Inc.
State: TX

Complaint narrative:
I called to dispute a transaction that occuree on XXXXXXXX  for XXXX they said they dont see it but also cant tell me where all my money went in my back account i tried to call 10 times and they always blow me off telling me no sup is available and to email them instead. I want my money back for something i did not authorize. I asked for a sup multiple times and they tell me no sups are available to call back on XXXX  but they still have my money and cant tell me where it went. I want my money back yesterday

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Whom It May Concern, I'm in need of assistance regarding a false claim brought against me by Ally Auto Finance that I owe them {$4600.00}. 

The vehicle in question was for a leased XXXX XXXX XXXX XXXX XXXX ( XXXX number XXXX ), from XXXX XXXX XXXX XXXX XXXX XXXX with an address at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Ally was the finance company I signed with in XX/XX/XXXX for three years. I even purchased extra mileage plan of XXXX miles that was built in the amount I owed each month. 

Fast forward to XX/XX/XXXX, almost three years after I returned the XXXX XXXX XXXX XXXX XXXX at the conclusion of the lease, I'm receiving letter from Ally I owe the the back {$4600.00}. 

I called Ally multiple times requesting for an explanation in which the each representative inform me the following : 1. I was told I failed to make monthly payments? 
That is false. My primary bank, XXXX  XXXX XXXX provided me in detail that I made every monthly payment on the lease. I have documented proof and XXXX  XXXX XXXX will support me in the false claim. 

2. I was told the {$4600.00} was for an overage mileage fee on the XXXX XXXX XXXX XXXX XXXX. 
That is false. As previously noted, I paid for the extra mileage when I signed my lease in XXXX. When I returned the vehicle, my odometer wasn't near the XXXX miles alloted to me during the three year lease 3. I was told there was {$4600.00} of vehicle damage when I returned the XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. 
That is false. I returned the vehicle with no damage. After almost three years they are now informing me I returned a damages vehicle?

4. I was told, I owe {$390.00} for vehicle damages?? 
That is false. I returned the vehicle with no damage. 

When I spoke to the bank representative again why I received three letters from Ally and now a collection agency that I owe {$4600.00}. I was not able to get an explanation and was told someone will be contact me next week. 

I'm fearing my credit is now impaired by this false accusation and mistake from Ally.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As of XX/XX/XXXX, Equifax is reporting to my credit report XXXX XXXX XXXX finance that was original opened on XX/XX/XXXX, this account is 8yrs & 6months old and according to the FCRA section s605 " accounts placed for collection or charged off to profit and loss which antedate the report more than seven years. I have reached out to XXXX XXXX XXXX XXXX as well as the credit reporting agency alone with complaints CFPB with no resolve. XXXX XXXX XXXX XXXX has continually to re-age this account. This account should be removed from my credit reports. I will wait the 30 days but if this problem is not corrected then I will have no other choice but to file a civil suit against all party 's involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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:
Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from XXXX XXXX . I have reviewed my credit report and found that there are violations of the following federal laws : XXXX 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my credit score. 

XXXX. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law. 

XXXX. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law. 

I am requesting that XXXX XXXX promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that XXXX XXXX provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX, XXXX and Transunion This is my FINAL WRITTEN REQUEST that you immediately remove all unverified accounts from my credit report. All accounts that are " verified '' I need the chain of custody and information of every involved in the verification process. These accounts listed on the attached dispute letters that remain on my credit report are in violation of 15 USC Section 1681.

Repeat failure to obey the law will result in judicial intervention, subjecting your company to damages under the FCRA, including but not limited to actual damages, consequential damages, attorney 's fees and interest.

UNVERIFIED ACCOUNTS STILL REMAIN ON MY REPORT, meaning that precise NOT properly veracious CORRECT entire VALIDATED and CERTIFIABLY COMPLIANT REPORTING claims are listed upon my credit profile in violation of REQUISITES of regulatory reporting laws and standards of reporting, particularly in relation to considerations of the FCRA and FDCPA laws and the mandatory perfect and outright METRO 2 formatted reporting standard ( s ) for compliance!!! This is a violation of Federal Law. Case law is clear, you may NOT PARROT info received from an account holder via phone call, computer email or log, E-Oscar, etc., to verify any account you are reporting on. Nor is it my responsibility to verify the account! 

In clarity, THE CRA 'S personally have PHYSICAL possession of the documents, IN THEIR OWN FILE, to verify the truth, the correctness, the completeness, the validity of, and the certified compliance of reporting of the accused derogatory item ( s ) of reporting, be it bona fide or not. Your failure to provide me same as requested, in violation of the law, is clear evidence that the account is truly unverified, therefore NOT tractably recorded in vile infraction of law and my consumer right ( s ). 

Your failure, therefore, to remove the unverified accounts is a willful violation of the fair Credit Reporting Act Section 616. You are required under Section 611 ( 5 ) ( A ) of the Credit Reporting Act to promptly edit out all information that is not properly verified. If you do not have the documentation in your own PHYSICAL possession, the item accused is factually UNVERIFIED, and in such as well not undoubtable inarguable appropriate, correct, valid and certified compliantly rumored. 

YOU ARE NOW IN OPEN VIOLATION OF 15 USC 1681N & O!

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