vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 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: VA

Complaint narrative:
Credence Resource Management XXXX  account : # XXXX now listed under XXXX XX/XX/2023 To Whom It May Concern, I sent the first debt validation letter to Credence Resource Management on XX/XX/2023. I waited more than 30 days before sending a second debt validation letter. This letter was sent on XX/XX/2023. Credence Resource Management did not respond to either debt validation letter sent. On XX/XX/2023, I received a Fraud Packet along with a letter dated XX/XX/2023 from Credence Resources Management. The last correspondence I received was dated XX/XX/2023, which was a letter stating We received your dispute on the above XXXX  account. We have investigated your dispute and verified that the charges on your account are valid. This is a stall tactic and again, Credence Resource Management has failed to provide the debt validation required by Federal law, under the Consumer Protection Act. To date, XX/XX/2023 has not completed my initial request for debt validation which was sent on XX/XX/2023 ; therefore, the debt must be removed from my credit file immediately. Credence Resource Management has had over 90 days to complete the required debt validation letter which they have not. 

Finally, I am not a lawyer, but Im pretty sure this is a direct violation under the Consumer Protection Act. XXXX XXXX, XXXX, and Credence Resource Management were all attempting to collect on the same account. Not one of the companies above have completed the debt validation required by Federal Law, under the Consumer Protection Act. Therefore, every collection agency listed Credence Resource Management, XXXX, and XXXX XXXX must be removed from my credit file immediately. I have enclosed all of the correspondence I sent and received from all the companies listed above. XXXX XXXX also is using this same stall tactic and requesting I complete a fraud packet. As I have stated to XXXX XXXX, I am not completing any additional information as I do not have a contract with XXXX XXXX XXXX, nor Credence Resource Management. Again, none of the companies listed above, as of today, XX/XX/2023, have not provided the required by Federal law ; the debt validation letter I sent them each on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: NJ

Complaint narrative:
Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Account Name : XXXX XXXX Creditor : XXXX  Loan Number : 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 2023-08-11 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: PA

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, Account # XXXX has violated my rights. 
Account name : XXXXXXXX XXXX XXXX, 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 2023-08-11 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid this statement off in XX/XX/XXXX or there about. The account should have been closed. I have no more need for it. It was paid in full. 
XXXX Synchrony bank/Care Credit reported negative reports to the credit bureaus, therefore causing my scores to drop which i am working to build. 

This is erroneous reporting since I had already paid it off and closed.

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 2023-08-11 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: PA

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, Account # XXXX has violated my rights. 
Account name : XXXX co drs, 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 non-monetary relief
Consumer complaint received 2023-08-11 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: PA

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, Account # XXXX has violated my rights. 
Account name : XXXXXXXX XXXX XXXX, 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 explanation
Consumer complaint received 2023-08-11 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: PA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-11 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: PA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-11 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. 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 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 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  ( FRAUD ), 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 2023-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
I've been using PayPal to accept payments from my internet business, which I use to supplement my income and save for college expenses. 

On XX/XX/2023, I received a case filed on my PayPal account ( merchant id XXXX ) with the rationale " The buyer stated that they did not make this purchase, '' which I gladly repaid. I then received notification that PayPal is asking an explanation for the aforementioned situation. 

I willingly provided the transaction information, stating that it was supposed to be my client 's payment in exchange for making a business presentation, which was not the case. I then proceeded to refund the money paid to me. Everything was fine until a few minutes after the case was closed and my account was permanently restricted. 

I immediately contacted their help center and stated what happened, but I have received no response so far. 

I believe this was unjust because I did not violate PayPal 's terms of services and have no control over how other people utilize their accounts. Furthermore, the money in my account is for college fees that will begin in the next few days, and I simply want my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: SERVISFIRST BANCSHARES, INC.
State: AL

Complaint narrative:
Company is in violation of USC 15 1681 ( a ) ( 2 ) ( i ) which states that a consumer credit report doesnt include information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: Kikoff Inc.
State: AL

Complaint narrative:
Company is in violation of USC 15 1681 ( a ) ( 2 ) ( i ) which states that a consumer credit report doesnt include information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A international wire transfer from my local bank " XXXX XXXXXXXX XXXX '' to XXXX in the amount of XXXX was returned to Amex on XX/XX/XXXX Amex uses Citi to its international wire transfers. Citi has refused to deposit those funds back into my XXXX XXXXXXXX XXXX Account, despite the many attempts from several individuals at my local bank and corporate offices. 

I need assistance on getting Citi to return those funds. 

Thank you much XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Pa 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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please Delete the following fraudulent accounts that's attached to this Identity Theft affidavit I am a victim of identity theft and has reported it to the federal trade commission, according to the FCRA 15 USC 1591inaccurate Information can not be reported on my credit file. Please delete the Fraudulent accounts as soon as possible to correct my credit report. 
Account Name : XXXX Account Number : XXXX Balance : {$2500.00} Dated open:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NC

Complaint narrative:
privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX  # ( XXXX ) XXXX XXXX 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 2023-08-11 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: TX

Complaint narrative:
There were unauthorized fraudulent charges made to account. XXXX refused to remove these errors because they believed it to be verified.

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 2023-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There were unauthorized fraudulent charges made to account. XXXX refused to remove these errors because they believed it to be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MCCABE, TROTTER & BEVERLY, PC
State: SC

Complaint narrative:
I contacted XXXX McCabe Trotter and Beverly on XX/XX/XXXX about my hoa fees that were placed with them for the amount of XXXX. They advised me that I was sent a notice in XX/XX/XXXX, made XXXX XXXX in XX/XX/XXXX. I advised them the only notice I received is a dated notice on XX/XX/XXXX. I advised him I was disputing the validity of the debt because I didnt receive notice from my H O Way management property XXXX. The customer service agent then began to yell that I didnt pay my bill. They were trying to collect it for me since XX/XX/XXXX. I advised that was incorrect that the file was wasnt place we all until XX/XX/XXXX and my balance is only {$200.00}. Why are you telling me I owe XXXX since XX/XX/XXXX. I asked to speak to someone else men multiple times because she was unprofessional. She refused and told me that I was the only person that she was going to ever speak with about this. I hung up and called three different. Try times trying to get in touch with someone else to get the validity of the dead in the correct amount because she kept changing the amounts and I didnt know if she if it was fraudulent or not at that point. I asked her to send me proof by mail. She got upset by that and said that I owe the bill I just need to pay it. I hung up. She called me back twice to taught me and basically said now my bill has gone up to XXXX instead of the XXXX its because she assessed another fee. How is this legal for her to them to continue assess fees and calling, harass me about it and taunt me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Upgrade continues to call me over and over Mutiple times in one day. In the past 2 days they have called me and left messages 8 xs. I have already explained to them that I am having trouble paying and am out of work due to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One bank offered to me to open a new account XXXX savings with promo code XXXX with requirements deposit account within 15 days up to {$100000.00} and hold it for 90 days and I will receive {$1000.00} bonus. I opened account on XX/XX/2023, deposited funds on XX/XX/2023, hold it for 90 days as required. I didn't receive any bonus until now.

Company response to consumer: Closed with explanation