vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: AL

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report ( s ) under your collection agency 's name. The account in question appears as [ XXXX ] and was reported on XX/XX/2023 by XXXX. I have zero knowledge of this account.

Pursuant to the Fair Credit Reporting Act, specifically Section 1681b, I am exercising my right to request validation of this alleged debt. I kindly ask for documentation that proves I am legally responsible for this debt, including but not limited to : 1. A complete account history demonstrating the original creditor 's agreement or contract bearing my signature, affirming my obligation to this debt.

2. Verification of the validity and accuracy of the debt amount claimed.

3. Details on the original creditor, account number, and any pertinent documentation that confirms the legality and ownership of this debt.

Please note that failure to provide the requested validation within 30 days from the receipt of this letter will result in my expectation for the immediate removal of this collection account from all credit reporting agencies in compliance with the FCRA.

I am aware of my rights under the Fair Credit Reporting Act, and I am prepared to take appropriate legal action should this matter not be resolved satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I received a domestic wire from a company its was a refund for a purchase that the company that wired me back couldnt deliver, and after trust bank accredited my account they block it and hold the funds and doesnt want to give me the reason while they holding XXXX usd.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested a copy of my consumer report from XXXX and found several negative items listed on my report that is inaccurate and have not been validated. The reported information is also being reported without my written consent to do so. I have asked for company to conduct an investigation and to delete all negative reporting items if proper copies of documentation bearing my signature pertaining to the negative items can not be giving to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I was charged the intrest of 29.99 % for the whole month of XX/XX/2023 while I made a payment of {$300.00} on the XXXX of XXXX. It left the balance of {$9.00} and I should be charged the % for the rest of XXXX from XXXX on that amount of {$9.00}. They however charged me % of {$92.00} for that whole month. They already received my payment on the XXXX. They unlawfuly kept charging me the % for entire month. It all happend after my deferred intrest of 6 months ended. I had deferred interest for 6 month from XXXX of XX/XX/2023. People beware of this bad company-XXXX XXXX Fortiva Retail Credit .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17 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: NY

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-17 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: MD

Complaint narrative:
TransUnion has no problem being in constant violation of the Fair Credit Reporting Act ( FCRA ). The rights that protect Victims from Identity Theft is and has been being ignored by TransUnion. TransUnion illegal acts need to be stopped, immediately. The Victims of Identity Theft are being ignored. The Victims of Identity Theft are being laid to rest to stay as Victims to those who have stolen their Identity. TransUnion is leading the way for these Criminals to continue to commit these acts of Identity Theft without anything being done by TransUnion. The Fair Credit Reporting Act ( FCRA ) of 15USC 1681C-1 ( FCRA Section 605A ), 15USC 1681C-2 ( FCRA Section 605B ), FCRA Section 609 ( e ), FCRA Section 615 ( e ), FCRA Section 605C-1,15USC Section 1681 ( FCRA Section 604A ( 2 ) ) means nothing to TransUnion. These same Acts that are in place to protect the public from Identity Theft are the same acts TransUnion are ignoring. The public will stay and be Victims of Identity Theft even with Legal and Verifiable Documents IdentityTheft Police Report and an Identity Theft Report from the Federal Trade Commission ( FTC ). When will this abuse of power and authority stop to be stopped by TransUnion?

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I requested a copy of my consumer report from XXXX and found several negative items listed on my report that is inaccurate and have not been validated. The reported information is also being reported without my written consent to do so. I have asked for company to conduct an investigation and to delete all negative reporting items if proper copies of documentation bearing my signature pertaining to the negative items can not be giving 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 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$22000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1300.00}.

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 non-monetary relief
Consumer complaint received 2023-11-17 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: GA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$22000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; XXXX XXXX XXXX XXXX {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX 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 2023-11-17 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TX

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: NCB Management Services Inc.
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : American Credit Acceptance # XXXX, Account Name : American Credit Acceptance # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX. XXXX, XXXX # XXXX, Account Name : XXXX  XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681a-4 -states I have the right to privacy.

15 U.S.C 1681s-2 section B -states a consumer reporting agency can not furnish an account without my written instructions.

115 U.S.C 1681a-5 - states no consumer reporting agency may make any 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 - section A- states 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : American Credit Acceptance # XXXX, Account Name : American Credit Acceptance # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX. Systems, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681a-4 -states I have the right to privacy.

15 U.S.C 1681s-2 section B -states a consumer reporting agency can not furnish an account without my written instructions.

115 U.S.C 1681a-5 - states no consumer reporting agency may make any 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 - section A- states 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
XXXX refused to remove the negative, item, that's fraud last, four of account XXXX it shows 60 days late i, filed a federal trade commission identity theft report on file my social security number is XXXX, and also, experian theirs two, negative items that are fraud and trans unio their are three negative items I filed a federal trade commission identity theft report on file please have experian and XXXX and XXXX XXXX removed these adverse items

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 2023-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have XXXX prepaid XXXX cards ( XXXX for {$100.00} and another for {$220.00} ) by Bank of America that I received from XXXX XXXX that expired at the end of XX/XX/XXXX. I tried to use them on XX/XX/XXXX, but they would not work. I called Bank of America 's Prepaid Card Customer Service on XXXX and after entering XXXX of the card numbers, it stated that the card had expired. When I spoke with a live customer service representative, they stated that the account was closed for both cards. Since this date I have also called on XXXX, XXXX, XXXX, and on XX/XX/XXXX. Throughout these times I have asked if I could be reissued a new card for the amount minus the replacement fee or if I could receive a check. They stated that both accounts show {$0.00}, even though I did not spend any of the money on either. I called again on XX/XX/XXXX to find out if the money was forfeited to them and they could not answer this for me, even when I spoke with a supervisor. Bank of America basically stated that they could not do anything for me and left it at that. If needed, I have both cards and any additional information needed. I also attached a letter that I previously received from Bank of America for a different prepaid XXXX card where they stated that if the card were to be deactivated, they would mail me a paper check of the remaining balance. This is why I am wondering why they will not do this with the XXXX prepaid cards that I currently have.

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