vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am writing to formally dispute and request an investigation into the inaccurate information that is currently being reported on my credit report. After reviewing my credit report, I have identified discrepancies related to late payment accounts. The accounts in question are reporting late payment statuses, but I assure you that these accounts have been paid on time, and the information reported is inaccurate. 
Below, I have provided details of the disputed accounts : MB FIN SVCS  XXXX I kindly request that you conduct a thorough investigation into the discrepancies mentioned above and update my credit report accordingly. The accurate information is that all payments on the mentioned accounts have been made on time, and there have been no instances of late payments. Therefore, the late payment statuses and incorrect dates negatively impact my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Received copy of credit profile account result of identity theft

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 2023-11-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX a charge was made for XXXX to XXXX from my checking account I approved said amount and canceled it. I have record from XXXX and XXXX  stating that loan was canceled and did not receive the merch. XX/XX/XXXX Bank of America denied my claim even after I provided documentation that it had been canceled. Ive submitted XXXX disputes and theyve all been denied. I have physical proof and its still being denied. I dont know what else to do. XXXX tells me its up to Bank of America because theyre holding the transfer and Bank of America is telling me that XXXX  claimed my loan went through. So Im not getting anywhere.

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 2023-11-29 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: NJ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/2023, I initiated the dispute process with Credence Resource Management , LLC, by requesting verification of the debt, a proof of the Contract signed and authenticated. My request was made in accordance with my rights under the FDCPA. In my letter, I disputed the alleged {$1300.00} debt that Credence Resource Management , LLC, is attempting to collect, and I requested a copy of a signed contract. Additionally, I explicitly requested that they cease and desist all collection activity, including credit reporting, and delete any and all reporting made to any consumer credit reporting agencies. 

However, Credence Resource Management , LLC, has failed to comply with my very specific legal requests and has instead engaged in the following actions : XXXX. Failure to Provide Verification of Debt : Credence Resource Management , LLC, failed to obtain and send verification of the alleged debt as required by the FDCPA. Instead of providing a SIGNED CONTRACT or agreement signed by all parties involved, as I had requested, they mailed me an XXXX XXXX XXXX bill. This XXXX XXXX  XXXX bill does not contain my full name, and the amounts listed on the bill differ from the disputed account they placed on my credit report. The XXXX XXXX XXXX XXXX provided by Credence Resource Management , LLC, is not a contract or agreement and is nonresponsive to my verification request. This is a violation of the FDCPA, as it is unfair and unconscionable to attempt to collect an alleged debt without providing the requested verification. 

XXXX. Failure to Cease and Desist Collection Activity and Credit Reporting : Credence Resource Management , LLC, also failed to cease and desist all collection activity and credit reporting, as I had expressly requested in my dispute letter. Under the FDCPA, it is considered a false, deceptive, or misleading representation to communicate false credit information to any consumer credit reporting agency. Despite my request, Credence Resource Management , LLC, continued their collection efforts and did not remove the disputed alleged debt from my credit report. 

Furthermore, I am deeply concerned that my personal information was released to a third party without my consent or knowledge, which raises additional privacy and compliance issues. 

Due to Credence Resource Management , LLC 's actions, my family and I have experienced significant stress, frustration, credit damage, and associated costs. They have disregarded the opportunity for an amicable resolution without litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

XXXX XXXX XXXX XXXX  XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  XXXX customer service XXXX XXXX XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service. 

XXXX XXXX XXXX XXXX  XXXX - This account was NEVER late. 
The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX  XXXX - I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX  XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX - The late payments on XX/XX/2023 and XX/XX/2023 are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.

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 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

XXXX XXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service. 

XXXX XXXX XXXX XXXX XXXXXXXX - This account was NEVER late. 
The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service XXXX XXXXXXXX - I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX XXXXXXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX - The late payments on XX/XX/2023 and XX/XX/2023 are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ONEMAINs customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: ND

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: MD

Complaint narrative:
After reviewing my credit report I noticed some inquiries that do not belong to me

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 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request an investigation into the inaccurate information that is currently being reported on my credit report. After reviewing my credit report, I have identified discrepancies related to late payment accounts. The accounts in question are reporting late payment statuses, but I assure you that these accounts have been paid on time, and the information reported is inaccurate. 
Below, I have provided details of the disputed accounts : XXXX XXXX XXXX XXXX I kindly request that you conduct a thorough investigation into the discrepancies mentioned above and update my credit report accordingly. The accurate information is that all payments on the mentioned accounts have been made on time, and there have been no instances of late payments. Therefore, the late payment statuses and incorrect dates negatively impact my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received an invitation to apply for a business American Express card. I applied online I use my XXXX number, before I use my XXXX number I read all of this disclosures and nothing in there say anything about pulling my personal credit for an American Express business card once I submitted the application, I received a alert from XXXX saying I have a hard inquiry from American Express. This was on XX/XX/2023. I immediately call XXXX and explain to them that I never gave my Social Security number out. I only use a XXXX number. They explain to me that I have to reach out to American Express to get a deletion letter. I called them and told them to withdraw my application and I need a deletion letter. They told me that they can not do that because I gave them my XXXX number that told them to run my personal credit, I told them no it does not because I never gave you my Social Security number. They also stated that in the print disclosure it's in there I went over the print with a representative. And I did not see nor read anything about using my personal Social Security number for this card. I canceled the application because I felt that they misled me by me using my XXXX number, and that was a trick to my personal credit. So now I have a hard inquiry that I feel is fraud I don't want any problems with American Express. All I want is them to delete it off of my credit report that's all and that's why I explained to them that I wanted a deletion letter but they said no so XXXX gave me this information and told me to contest it through you all, so please help me because this is wrong. I have a business credit card that I use my XXXX number and they never ran my personal credit so for them to tell me that is what happens when you feel out for a business. Credit Card is not true. please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I do not recognize these accounts, investigate and delete from my credit file. My personal information has been exposed. These accounts are XXXX and 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 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

ONEMAIN XXXX - The late payments on XX/XX/ and XX/XX/XXXX XXXX  are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ONEMAINs customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.

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 2023-11-29 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: TX

Complaint narrative:
I noticed there were hard inquiries on my credit report that are not mine

Company response to consumer: Closed with explanation