vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the actions of CREDENCE RESOURCE MANAGE in relation to an alleged debt they claim I owe. Despite numerous requests, CREDENCE RESOURCE MANAGE has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that CREDENCE RESOURCE MANAGE are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices.

The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I dispute owing all debts to CREDENCE RESOURCE MANAGE and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ).

Additionally, I request that CREDENCE RESOURCE MANAGE provide : 1. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim.

2. The purchase agreement between CREDENCE RESOURCE MANAGE and XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows CREDENCE RESOURCE MANAGE to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX and CREDENCE RESOURCE MANAGE, because it will state CREDENCE RESOURCE MANAGE purchased this debt with the knowledge of this account not being 100 % accurate as well as not following the XXXX bullet points of compliance that are in place by the XXXX, which threatens the integrity of the bureaus. 
As well please provide documentation of every individual involved from both parties.

Include, names, emails, address, dates, and times of transactions and communication.

3. Furnish proof of licensing and bonding to operate as a debt collector.

4. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. I did not receive proper communication. If in fact, if CREDENCE RESOURCE MANAGE believes they have provided proper notification. I am requesting you provide the receipt of certified mail with my name on it as well as my signature stating that I have properly received this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: CA

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 XXXXs # XXXX, XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX 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 has violated my rights. 15 U.S.C 1681 section 602 A. States liave 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 2024-03-31 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: CA

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 has violated my rights. 15 U.S.C 1681 section 602 A. States liave 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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my der 15 USC 1681. federally protected consumer rights to privacy and confidentiality inger 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 no acurate delete the account below

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my der 15 USC 1681. federally protected consumer rights to privacy and confidentiality inger 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 no acurate delete the account below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
In XXXX XXXX I called a First Horizon customer service representative to close my checking/savings account. During the conversation the customer service representative confirmed that my account was closed. However, the account was never closed. 

I started receiving bank statements in XX/XX/XXXX via email. Prior to this I had not received any communication, letters, emails or phone calls from First Horizon bank. I decided to go into a branch in XX/XX/XXXX to find out why I was still receiving bank statements when I closed the account in XXXX XXXX. During this meeting a branch manager told me that the account was charged off because the account had a negative balance applied to it in XX/XX/XXXX. I paid the balance to the bank and was given receipts of payment/the charged off amount. This was the first time I was notified the account was charged off. I was confused as to why I would have any charges associated with the account when I called a customer service agent, per the instructions by the bank, to close the account in XXXX XXXX. First Horizon does not allow you to close your account online. They require you to speak with a CSR to close an account. 

It concerns me that my credit with the banking systems was damaged by First Horizons action to charge off my account instead of not contacting me. I would like First Horizon bank to send me a detailed letter explaining why my account was not closed by the CSR in XXXX XXXX when I called to have it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I need assistance with the {$200.00} sign-up bonus for the BMO credit card that I haven't received yet. I met the required criteria over XXXX months ago. I opened my account around XX/XX/2023 and completed the necessary {$1000.00} expenditure by XX/XX/2023 within the first XXXX  months. 

The conditions for the bonus were as follows : " Earn a {$200.00} cash back bonus by spending {$1000.00} within the first XXXX months of account opening. '' The rewards are supposed to be issued within XXXX weeks after the end of the XXXX-month period. 

I reached out to BMO customer service number ( XXXX ) for many times, but each time my call is transferred between departments without resolution. No one has assisted me in claiming the bonus I am entitled to.

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 monetary relief
Consumer complaint received 2024-04-01 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated 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 written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

It also states a consumer reporting agency can not furnish an account without my written instructions.

DELETE this immediately or I am prepared to FOR LITIGATION Sincerely, 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 2024-04-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated 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 written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

It also states a consumer reporting agency can not furnish an account without my written instructions.

DELETE this immediately or I am prepared to FOR LITIGATION Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: Duncan Solutions, lnc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681section 602 A. States i have a right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-04-01 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: GA

Complaint narrative:
TransUnion delete the following accounts as I have not given permission or authorization to publish this information. These accounts were added to my report without my written consent or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Dept of EducationXXXX XXXX XXXX XXXX . TransUnion is committing identity theft pursuant to 12 CFR 1022.3. Delete these accounts that were added to my report without my permission or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, Dept of EducationXXXX, 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 2024-03-31 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated 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 written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

It also states a consumer reporting agency can not furnish an account without my written instructions.

DELETE this immediately or I am prepared to FOR LITIGATION Sincerely, 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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I was looking into the recent announced Gold Card from Robinhood and found some the information & disclosures about the card to be somewhat misleading. Both the marketing materials ( found at https : //robinhood.com/creditcard/ ) and the actual fee disclosures for the ( found at https : //api.robinhood.com/creditcard/legal/interest-fees ) all claim that there is no annual fee, while their marketing materials make a note that the card requires an annual Robinhood Gold subscription to apply and maintain the card. Robinhood Gold costs $ XXXXmonth which would effectively make the annual fee {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These Account were Investigated by XXXX and Trans Union and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX - Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to XXXX  over the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
They are been using my name and my social for no reason I dont recognize those inquiring

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account 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