vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a formal complaint against CREDENCE RESOURCE MANAGEMENT for their continued attempts to collect an alleged debt in the amount of XXXX, despite my repeated disputes regarding its validity. 

I have never provided CREDENCE RESOURCE MANAGEMENT with my Social Security number, nor have I signed any agreement or contract with them. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt, and they are required to cease collection efforts until proper verification is provided. However, they have failed to furnish any legitimate proof that I owe this amount or that they have the legal authority to collect it.

Furthermore, as CREDENCE RESOURCE MANAGEMENT is not the original contract holder, I am under no federal obligation to pay them anything. The FDCPA ( 15 U.S.C. 1692e ) prohibits false, deceptive, or misleading representations in the collection of debts, including misrepresenting their right to collect this alleged amount.

I request that the CFPB take immediate action to investigate XXXX XXXX XXXX conduct, as they are engaging in potentially unlawful debt collection practices. I ask that this company provide documented proof that they have a valid claim to this debt or cease all further collection attempts. 

I appreciate your attention to this matter and look forward to your response. Please inform me of any steps I should take to ensure this issue is resolved in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-02-20 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:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ..In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 NCA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ... In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I did not go to the hospital on this date, this is identity theft, the address on XXXX and XXXX are different address, never made a payment on this account because it is fraud and XXXX says I did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the collection account referenced on my credit report by the name of The XXXX XXXX XXXX. I have not signed any contract with your agency, nor do I recognize any debt associated with this collection. 

Additionally, I have reviewed my credit report and noticed that the address linked to this collection account does not appear on my credit history or any of my records. Given this, I request immediate validation of this debt as outlined in the Fair Credit Reporting Act ( FCRA ). Under section 609 of the FCRA, I am entitled to a full accounting of this alleged debt, including the original contract, account history, and the name of the creditor.

As per FCRA Section 623, if this collection is being reported inaccurately, I request that it be corrected or removed from my credit report. If I do not receive proper documentation to substantiate this claim, I ask that you cease re
porting this collection.

Please provide written verification of this account within 30 days of receipt of this letter. Failure to provide proof of this debt will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and may involve further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/year> the XXXXXXXX XXXX XXXX XXXX  XXXX showed that my Unemployment payment was issued to my state benefit card. 
I began an attempt to contact the customer service representatives for my XXXX XXXX card, around XXXX XXXX. Per the back of the card, the customer service number is XXXX. 
After listening to menus and trying different options for about an hour I was unable to contact a living person in customer service, no amount of waiting silently, entering personal information or card numbers allowed me an opportunity to speak to someone about a deposit that according the State of Alabama 's website was already issued to my card. I was able to find other numbers online to call for customer service. Because there are no hours of operation listed I attempted to dial XXXX, XXXX and other numbers available online until XXXX pm in an attempt to speak with a person but to no avail. FAQ pdf files available on the XXXX XXXX XXXX XXXXXXXX website, listed XXXX as the company responsible for State benefit cards, which is information that is a couple years out of date. 
If I am forced by the State to use this card, the issuing bank should at least allow the card holder the ability to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

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 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Good Evening, Please review the attached and advise next steps regarding the Apple Credit Card. I am looking to settle any debt from the previous debt attached to my credit. Please respond at your earliest convenience. 

Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Larry H. Miller Group of Companies
State: MD

Complaint narrative:
Well, I was getting mail saying that I owe on the car repo so I call the loan company and they said that someone came in and got a auto car in my name and it wasnt me. I told him that my information was leaked in the data breach in XXXX and this happened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information on these loans, that has been taken out in my name does not match my social security number, banking information, contact numbers, never heard of these services either. The biggest problem with all of these applications I was dealing with my son health, that had me in the XXXX XXXX XXXX XXXX XXXX So, I was not doing anything for a loan during that time XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute and Notice of Negligent Noncompliance Under 15 U.S. Code 1681o Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe has been negligently reported and/or, verified in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681o you are liable for civil damages when you fail to comply with the FCRA through negligence. 


I have identified the following inaccurate information on my credit report : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) List the disputed items, including creditor names, account numbers ( partial for security ), and the specific errors ] I previously disputed this information on [ date of previous dispute, if applicable ], but you have failed to correct or properly investigate the issue. As required by the FCRA, consumer reporting agencies and furnishers must ensure the accuracy of the data they report. Your failure to take reasonable steps to verify and correct this information has caused harm, including but not limited to : Denial of credit, loans, or employment opportunities Increased interest rates or unfavorable financial terms Emotional distress and reputational harm To remedy this situation, I demand : 1. The immediate deletion or correction of the inaccurate information.

2. Written confirmation of the changes made to my credit report.

3. Compensation for damages caused by your negligent If you fail to comply within the time required by law, I may pursue legal action, including seeking damages and attorney fees as permitted under 15 U.S. Code 1681o. Please investigate and resolve this matter promptly. I expect a response within 30 days, as required by the FCRA

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 2025-02-20 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:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XX/XX/XXXXto my life and credit health.

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 2025-02-20 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:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XX/XX/XXXXto my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Experian and Equifax are in violation of inaccurate information. XXXX XXXXXXXX is paid off and us reporting correctly on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Misinformation on forbearance period. Paid up & was told was paid until The first of the year then charged a XXXX late fee for XXXX when i was told after making the forbearance payment it was paid until the first of the year. 
Issues having payments applied to the account not reflecting correctly or taking weeks if not longer to reflect only to charge us a negatively impact credit score.

Previous late payments were due to my husbands loss of job which I applied for hardship for prior to forbearance. Did not reflect that a was ultimately charged late fees & reported to our credit negatively while in forbearance period.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The inclusion of these fraudulent accounts is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates the removal of unverifiable or inaccurate information, and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which requires that only accurate and verified information be reported. The following fraudulent accounts have been incorrectly listed on my report

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX - XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX - XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Salesman came to my house and I agreed to roof repairs. A deposit of {$5300.00} was made on XX/XX/year> to the company by credit card. The company made no attempts to perform the repairs until several months after my deposit, which was unsatisfactory to my expectations. They then tried to begin the repairs on XX/XX/XXXX, but by that time the repairs would be made too 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 monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I was making payments on the loan however when changing bank my payments werent processed for XXXX months. Another company bought the debt from that loan and called me today ( XX/XX/year> ) saying I needed to pay the full amount or half the amount today. If I didnt they would pursue legal proceedings. They also said I had to be at my house at certain time so they can appraise my vehicle. A vehicle that I dont own anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: MA

Complaint narrative:
This item was purchased by a third party debt collector, Rent Debt Collection Agency. This account must be deleted as the status is not correct, the amount inaccurate was paid for less than owed by the third party Collector. The information reporting is inaccurate my actual residency during the dates debt collector indicates bill was generated is wrong. My correct residency was Massachusetts As you can see by my attached report and highlighted issues. This information is not correct and must be deleted. 

How much did the collection agency pay for this account? This is a clear indication of violation of the FCRA as this is not accurate or complete. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XX/XX/XXXX XXXX the account attached was supposed to be deleted per agreement with the dealership and general manager. ( XXXX ) Also attached is the agreement screenshots & confirmation. 
Company name : XXXX also know as XXXX

Company response to consumer: Closed with explanation