vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from Credence Resource Management on XX/XX/2022 in the amount of {$1600.00}. First and foremost, I have confirmed that the debt collector Credence Resource Management is not licensed in the state of Florida to collect on this debt. Secondly, Credence Resource Management violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Credence Resource Management? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Credence Resource Management has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1600.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that Credence Resource Management provides me with competent evidence that I have any legal obligation to pay them. I asking that Credence Resource Management to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6XXXX show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Credence Resource Management immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand Credence Resource Management agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that Credence Resource Management agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
Since the last complaint I filed on XX/XX/2023 the credit card company Aspire did not follow through with their own agreement on my account that they offered themselves during the last complaint. Aspire did not bring my account current, as I was still {$500.00} + in the hole because of fraudulent transactions that I tried disputing with them. I also made aware during the last complaint that I requested activation of the credit protection feature due to a injury. They are charging me for the fraudulent transactions, but they stated during the last complaint that they were going to activate my credit protection which cover my payments while I recovered from my injury. Two {$14.00} transactions posted to my account from them for the credit protection. That's not even the actual monthly payment amount. This is unfair credit card terms that they are trying to put upon me. And now upon talking to a support agent XX/XX/XXXX they have closed my account and I'm sure it's up for collections which will damage my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
I am writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with TransUnion and XXXX. The accounts in question are XXXX  XXXX account number XXXX ( XXXX ), XXXX  XXXX account number XXXX ( XXXX XXXXXXXX  ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681.

I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate.

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors?

Did you interview my friends?

How and Who did you talk to?

One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute.

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible.

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.

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 2023-05-12 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: GA

Complaint narrative:
I am writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with XXXX and XXXX. The accounts in question are XXXX  XXXX account number XXXX ( XXXX/XXXX  ), XXXX  XXXX account number XXXX ( XXXX XXXX  ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681. 
I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How and Who did you talk to? 
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute.

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.

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 2023-05-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
I asked the credit reporting agencies to verify my information, and they sent me letters saying they did. However, I have double-checked and there are many errors and inaccurate dates and other information. Here are the details : In accordance with the fair credit reporting act XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

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

has violated my rights.

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 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 2023-05-12 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: GA

Complaint narrative:
I asked the credit reporting agencies to verify my information, and they sent me letters saying they did. However, I have double-checked and there are many errors and inaccurate dates and other information. Here are the details : In accordance with the fair credit reporting act XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

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

has violated my rights.

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I closed a credit card account with Wells Fargo by going inside the branch and paying my last statement balance with the teller. Several months later I received a late payment on my credit report for that same account, which still showed as open. I called and spoke to multiple representatives, who admitted fault that some mistake must have occurred. I paid the balance they were requesting and again implored that they close the account to which they obliged. 2 years later and this false late payment is still on my credit report and the account was STILL open, now with fraudulent information on the account so there was no way for me to verify it. Wrong address, wrong Mothers maiden name, marked as fraud and refused to close the account since they could not verify me as the owner. After being transferred XXXX times the account was finally closed, but they still refuse to take the false late payment off of 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 explanation
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Dear Experian Dispute Department Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Bank Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX/XXXX  Account Number XXXX XXXX XXXX/XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, 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 2023-05-12 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had an account that was being reported as belonging to me that is not mine. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. THIS IS NOT MY ACCOUNT account : XXXX XXXX  : Account Number XXXX Please investigate and provide Proof with statements showing that this account is mine. If proof can't be provided I demand this account be removed from my credit report. Thank you

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 2023-05-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally notify you of my intent to file a complaint with the FTC regarding your disregard of the law. Despite the fact that you received and accepted my dispute letter and follow-up letter via registered mail on ( insert date ), you have failed to comply with federal law and respond within the required 30-day period. This is unacceptable, and I intend to hold you accountable.

According to federal law, credit reporting agencies must respond within 30 days, and failure to do so may result in investigation by the Federal Trade Commission ( see 15 USC 41, et seq. ). As I have not received a response from you to date, I am keeping a careful record of my communications with you on this matter, with the intention of filing a complaint with the FTC should you continue to be non-compliant. It is important to note that, as established in the case of Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be held liable for your willful noncompliance.

For the record, I would like to reiterate that the following information is being erroneously included on my credit report, as I have informed you on two previous occasions : The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX If you do not immediately remove this inaccurate and incomplete information, I will be forced to file a formal complaint with the Federal Trade Commission. Furthermore, if you continue to operate in non-compliance, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. I am carefully documenting all events related to this matter, including your lack of response, which is required by law. 

I also request that you provide me with the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. I find these delays to be inexcusable. 

Finally, I am requesting a description of the procedure used to determine the accuracy and completeness of the information, which should be provided within 15 days of the completion of your re-investigation. 

I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: MI

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. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation