vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am writing to file a complaint against CREDENCE RESOURCE MANAGE for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have encountered several issues with their conduct that have adversely affected my consumer rights. 

Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is obligated to provide validation information upon request. Despite my request, they have failed to furnish any validation information, yet they proceeded to report the debt to consumer reporting agencies. 

Denial of Dispute Opportunity : As per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the accuracy of a debt. Unfortunately, CREDENCE RESOURCE MANAGE has denied me the opportunity to dispute the account, violating my rights under the aforementioned regulation.

Use of False, Misleading, and Deceptive Means : The collection agency has engaged in false, misleading, and deceptive practices. Such conduct is in direct violation of consumer rights, and I request a thorough investigation into these practices to prevent further harm to consumers. 

Furnishing Information Without Disclosures : The collection agency has furnished the debt to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 [ 7 ) ( A ).

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and takes appropriate actions to rectify the violations committed by CREDENCE RESOURCE MANAGE. I am seeking redress and a resolution that upholds my rights as a consumer. 

Enclosed with this letter, please find documentation supporting my claims, including proof of my request for validation information and any communication with [ Collection Agency Name ]. I believe a prompt investigation will reveal the extent of their non-compliance with federal regulations. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARILION CLINIC
State: VA

Complaint narrative:
I received a bill from XX/XX/2021, from Carilion, XXXX XXXX XXXX. The bill says I owe {$1200.00}, for an unpaid " XXXX XXXX ', filling. I contacted them last XXXX, after receiving the XXXX year old bill, letting them know Ive never had a workers comp file. That they needed to file it properly under my fully covered, XXXX, that I had then and have still, now. The girl I spoke with said she would re-file it, but instead, Im receiving a collection bill from XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Securiry fianance I have a loan with I have brought up to them how I lost my job due to covid.. we have spoken and called and they have stated before from employee to manager and supervisor they will not let my account go negative and they agreed to remove inquiry and account but failed to do so. They have failed to correct the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CO

Complaint narrative:
Reported inaccurate information on my consumer report. Information has not been verified with proper method of validation. 

BANKRUPTY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: MS

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: T.S. Holdings
State: AZ

Complaint narrative:
The company IQ International Data Inc was sold a collection in the amount of {$2800.00} and such was not discussed nor agreed to on my behalf. Furthermore, IQ International Data Inc has expressed different amounts owed {$2800.00} and {$1400.00}. The derogatory claims have truly hurt my credit profile. Additionally the dates are different and such is inconsistent. This acts as a cease and desist of any further attempts to collect the debt and such will be pursued in litigation if continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: COMMERCE BANK
State: MO

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
looked at my report back on XX/XX/XXXX, and noticed some things are not accurate due to accounts being on my report that were open due to fraud. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX sent a letter asking them to send me documentation with signatures of all parties involved and I never received any documents. I have doine this a few times now as well as filed complaints to have these accounts removed through CFPB.

They sent me investigation back and said everything is accurate but if you check my attachments everything is not complete and accurate because these fraudulent accounts still show on my report.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In XXXX of XXXX I received a bill for {$8.00} which did not indicate any past due balance or what the charges were for. It was such a small amount that I wrote a check and sent it in the mail and did not question it further at that time. About 7-10 days later I received a letter from the creditor that finances Best Buy that my credit line was reduced from {$5500.00} to {$350.00} on my Best Buy Citi Card ending in XXXX. I tried calling the number on the letter and I was in an automated phone trap. I tried looking up online a better number and spoke to a customer service representative after several attempts. I explained what happened and they suggested to make sure the {$8.00} payment was received to pay over the phone. I paid over the phone again for the same invoice I previously sent the check for. I informed the customer service representative I did not receive any other statement or invoice requesting payment for {$8.00}. He stated it was for {$3.00} and that was past due. I said I did not receive any bill or notice a charge was on my account or any balance was due until the {$8.00} bill that was for a second charge of {$3.00}. I did not receive any billing information since XXXX of XXXX showing my payment or identifying any new charges or activity. The credit card company proceeded to report {$3.00} as 30 days past due and reported the credit line decrease although I informed them that I did not receive any invoice previous to the {$8.00} and that I did not authorize the charges. I am a small woman owned business owner and my credit score greatly impacts my ability to do business and it also causes increase costs for insurance and interest rates, etc. I have a 27 year credit history with absolutely no late payments or any negative remarks until this. I have asked them to remove it and I am being ignored so I filed a dispute. I would like my credit history restored to excellent and my credit line restored and the unauthorized charges to stop. Any charges on my account I expect to receive the invoices/statements and that is not happening. I have also contacted Best Buy directly and notified their corporate office of my experience as a Best Buy Credit card holder and consumer/customer since XXXX and I have never had a payment late history. I was not called, emailed or communicated with until after XXXX and a full billing cycle was missed and the damage was already done. This is extremeness and their actions have caused harm to me by damaging my credit history.

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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
On XX/XX/2024 I attempted to initiate a transfer of {$32000.00} from my XXXX Checking account to my Robinhood brokerage account. I received an error saying to try again shortly. I exited, went back to the main screen, and then attempted the transfer again. I received another error telling me to try again. I tried a third time and it said that it processed. I noticed an increase to my Robinhood account that appeared to only be one {$32000.00} payment so I figured only the successful third attempt went through. 

On XX/XX/2024 I noticed XXXX pending changes on my XXXX checking account for $ XXXX each on my XXXX Checking account, and my balance was negative {$63000.00}. I immediately called my bank to stop charges on the XXXX duplicates. I then realized that my Robinhood account was also reflecting XXXX $ XXXX transfers. I chatted and called Robinhood to cancel the transfers, and try to get some of my cash balance transferred to XXXX to cover the deficit and be able to pay my mortgage and bills that were coming from that account the next day, on XX/XX/2024. Robinhood offered mixed and confusing information, and even said that those errors and duplicate charges happens. Robinhood would not cancel the pending transfers that were causing my XXXX account to overdraft over $ XXXX. They also would not allow me to withdraw anymore of the available cash balance to cover the deficit that their system error caused in my XXXX account. I was only allowed to withdraw {$50000.00} which didn't cover the overdraft that Robinhood 's app errors caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I found my loans were placed in in-school deferment in XXXX of XXXX. I called 5 times to discuss how to get them out of deferment and was given a different answer by XXXX different agents. ( this was more in depth in my first complaint that I filed, that only seemed to be dealt with after I filed a complaint ). I finally got someone who sent me the in school deferment waiver form ( which is not available on the website, it must be sent by Mohela ) and filled this out and uploaded it on XXXX. I was advised by Mohela representatives to continuing making monthly payments as though it would take some time to review and approve the form, it would be honored as out of deferment on XXXX. Each time I talk with an agent I request a document to be sent via email regarding out discussion and what recommendations/information they give and I am told that is not possible. Following that advice, I made a payment XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It shows that I have ineligible payments for XX/XX/XXXX and XX/XX/XXXX for PSLF with the reason for XXXX being " Deferment '' and XXXX being " No bill was issued for this month ''. I have called Mohela twice now about this issue as I believe these should count as eligible payments as I submitted my request to be out of deferment in early XXXX  and made payments for these months. In fact, I was told i would default on my loans if I did not make these payments. They have said there is nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 non-monetary relief
Consumer complaint received 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The credit bureaus are mishandling my credit files. There are 3rd parties listed on my credit reports giving out fraudulent information. The credit bureaus are in violation of the Fair Credit Report Act of 15 USC 1681 Rule 624 in that they are governing the unfair and fraudulent reporting from these third parties. Under Rule 624 - the opt out rule - I am asking that all third parties not report any information on my credit report. I am asking that my credit report only reflect the relationship/outcome/status from the original creditor only. I did not sign any papers giving any creditor collection company relationship in any of my credit affairs. To have a 3rd party person of whom I have not signed a relationship with ; of who I did not receive a service nor product from violates my 14 Amendment Rights to equal Citizenship. You do not have 3rd parties reporting on other XXXX XXXX  who are given positive credit ratings. I am due the same rights with my negative ratings as well. This is equal XXXX rights. When I fail to pay a financial dept the laws of this country have penalties in place to sanction this type of wrong doing. That debt is repaid by 7 years of retaliation from others not even involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then for you to allow collection companies to purchase my debt from someone else and expect me to pay them violates my constitutional rights.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my accounts.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my accounts.

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