vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
On XX/XX/2022 I received a summons for a debt to which I had contacted the debt collector twice informing them that I am a Social Security XXXX recipient. I even forwarded to them copies of my Social Security Award. I responded to their summons with an Answer and Counterclaim, I also attached copies of my communication with them showing my communications ( 2 ), and Exhibits showing actual communications, where their letter informed me to send these communications, Social Security Award letter. I mistaking thought that when a debt collector pursues you even after your have filed a dispute showing you are judgment proof, they were violating the rules of FDCPA. I asked for strict liability damages of {$1000.00} in my counterclaim filed with my answer. The debt collector responded with a Motion to Dismiss my counterclaim since they did not break the FDCPA rules. All documentation has been attached showing all of the above. All exhibits are included my official Answer to their complaint. 

Can you please help me? I now have a lowered credit score because of this, and I followed the rules. I am not well and informed them of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX and # XXXX XXXX XXXX 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

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 2022-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
XX/XX/2022 {$500.00} Zelle told me it was my banks issue and my bank doesnt do anything about a Zelle scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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 Convergent Account # XXXX XXXXXXXX XXXX  XXXX and # XXXX XXXX XXXX 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

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 2022-06-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX and # XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
*in accordance with the Fair Credit Reporting Act 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX 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 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 non-monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
I contacted this collection agency initially on XX/XX/XXXX to dispute the debt as they stated to do in their XX/XX/XXXX mailing. Email dispute sent to their collections department ( XXXX ) I never received a response. On XXXX they sent another notice threatening to contact the credit bureaus. Second dispute sent to XXXX and XXXX their collections dept. Also forwarded initial dispute email to the payments department. 

XXXX had failed to apply the proper credits to this account. XX/XX/XXXX, I applied for their federal broadband assistance program that offered XXXX XXXX monthly bill credits for qualified applicants. I received approval XX/XX/XXXX ( see attachment ). I contacted XXXX to apply my credit ( see attachment ). As of XX/XX/XXXX the they had not. I contacted XXXX again and they advised that they would apply the credits retroactive back to XX/XX/XXXX ( see attached ). As of XX/XX/XXXX, they had not applied my credit so I rightfully terminated my service due to their inability to honor my approved application for assistance. 

This is the XXXX collection agency that has attempted to collect on this bill. First agency sent the bill back to XXXX. The amount of this bill is incorrect. The agency needs to contact XXXX to apply the proper credits and resend an accurate bill.

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 2022-06-12 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: FL

Complaint narrative:
In Accordance with the Fair credit reporting act XXXX account # ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 section 2 it also states a consumer reporting agency can not furnish an 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 2022-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/2022, I, XXXX XXXX a natural person, myself, sent Nissan certified letters asking them to send me an audit trail so I, the consumer, can validate the alleged debt. I also asked them to cease and desist reporting alleged debt unless it is validated by me, the consumer, per my legal rights. Nissan has refused to respond to my request and is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: NCB Management Services Inc.
State: NJ

Complaint narrative:
Information on this account I would like it to be removed From my XXXX and XXXX be XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XX/XX/XXXX - XXXX XXXX  - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$13000.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 74 Months Company sold NCB MANAGEMENT SERVICES INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
Someone sent me a payment via Zelle. I did not have Zelle at the time. I received a confirmation text of the payment. I signed up for Zelle through my bank. Zelle states they " don't have anything to do with the transaction '' and XXXX states there is no record. If Zelle doesn't have a record of the transaction ( I have the text ). How are they sending payments? Both companies are sending me to each other with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I received 1 or more letter according to dynamic recovery solutions, that I owe a amount of XXXX I believe I have been scammed of money by the original collector XXXX XXXX XXXX XXXX XXXX  I have had problems with financial situations like this one and I do not owe this money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX of XXXX and On XX/XX/2022 I, XXXX XXXX, a natural person and consumer, send letters to BMW requesting an XXXX XXXX so that I may validate the alleged debt and also letters to cease and desist violating me ( attached ). BMW has not responded to my request and it has been over 90 days from the first request and over 45 days from the second letters. My consumer legal rights are being violated. Certified letters on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I had a rent collections account show up on my credit report via XXXX XXXX XXXX from XXXX. I disputed this with Experian about XXXX years ago and after their investigation they removed this inaccurate collection. I recently applied to three different homes and was denied by all. After requesting my credit file, Experian XXXX  Bureau is still reporting this collection account. I called Experian several times with no help. This has caused XXXX new inquiries on my file, all which have ended in a denial and is further damaging my credit and chances of renting anywhere else. Not to mention I am now out of {$170.00} in application fees. To date this collection account is still being reported.

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 2022-06-12 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: MD

Complaint narrative:
I called Experian on XX/XX/2022. They told me that had respond to my CFPB Complaint and they didn't receive any of my letters. I'm here again submitting proof of all documents. XXXX XXXX XXXX XXXX XXXX XXXX. I Receive a letter from the bankruptcy court states that the bankruptcy court don't report to the credit bureau. I also called XXXX to get this my information remove from XXXX XXXX because they where the ones that stolen my Identity. I also field a identity theft report with the Federal trade commission. I don't understand how this accurate is being accurate or verified. When I call the XXXX XXXX and also receive a letter. This account is in VIOLATIONS Law 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose XXXX XXXX XXXX XXXX XXXX. I file a complaint with this company to XXXX XXXX XXXX  there respond was everything was accurate and verified. How can this account be verified. When they are show inaccurate on my credit report. This account is in VIOLATIONS 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose XXXX XXXX XXXX XXXX XXXX XXXX was told this account was was remove in my last Complaint against this company threw the Consumer financial protection bureau XXXX this account is still on my credit report i need this remove IMMEDIALTLEY The law states 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose

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 2022-06-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
No action taken by XXXX  XXXX after I was referred to the fraud department. They took my name number and account info and never followed up and the negative item is still on my account. They never conducted an investigation even after they told me they would do so. 

XXXX credit bureau took my disput complaint and never contacted me again.

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In Accordance with the Fair credit reporting act 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 I have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
In Accordance with the Fair credit reporting act 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 I have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: AR

Complaint narrative:
Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this public record and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this public record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: AR

Complaint narrative:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Inquiry from XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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  Account # XXXX, XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX All Banks XXXX XXXX Auto Financing XXXX XXXX Auto Financing XXXX XXXX  Auto Financing 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 XXXXXXXX XXXX XXXX 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