vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
ON XX/XX/XXXX, I MOVED OUT OF MY APARTMENT AT XXXX XXXX XXXX XXXX, TX. I SENT LEASING OFFICE PICTURES OF MY MOVE-OUT. I STILL INCURRED FEES FOR XX/XX/XXXX. I'M ATTACHING LEDGER AND CHECK PAYMENTS THAT THE DEBT WAS PAID AND I HAD A XXXX BALANCE. THE PREVIOUS COMPANY XXXX XXXX CLOSED DUE TO BEING SUED FOR ILLEGAL PRACTICES. THE AMOUNT WAS PAID XX/XX/XXXX. IT WAS SUBMITTED TO IQ DATA INTERNATIONAL IN XXXX OF XXXX. THE AMOUNT THAT WAS SENT IN SHOWS DOUBLE THE AMOUNT OF WHAT I ALREADY PAID, AND NOW ITS SHOWING INTEREST ADDED. IQ DATA KEEP VALIDATING THE DEBT AS VALID. I WENT TO XXXX XXXX AND TRIED TO GET THIS RECTIFIED BECAUSE THIS IS CAUSING ME NOT GET ANOTHER APARTMENT. THE OFFICE MANAGER SAID SHE COULDN'T HELP ME BECAUSE I NEED TO SPEAK TO THE PREVIOUS MANAGEMENT COMPANY, BUT THEY ARE CLOSED AND ALL NUMBERS LISTED ON INTERNET ARE DISCONNECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: OH

Complaint narrative:
XXXX and Experian have not provided any information on my Claim the law clearly states within 4 days. Thats a violation. 15 USC 1681. I also did not give permission by writing for the CRA to report on my Consumer Reports 15 USC 1602

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 2023-08-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts.

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
A child support debt is reporting on my credit profile that is hindering my approval odds and I did contact them to ask that it be removed the fact they committed fraud, nor had jurisdiction for a signature to enforce these terms of the debt... I never agreed to the terms or had the right to due process in judicial court! No judge has signed off to make it fair dealing with the circumstance under commercial code 15 USC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, is obligated by FCRA to report accurate accounting.Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers account.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Need my credit reports deleted someone got ahold of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: CA

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer containing any of the following items of information Any adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years. 

15 U.S.C 1681=2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or had 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 2023-08-01 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: FL

Complaint narrative:
I am not liable for any of the accounts that I'm stating on my report. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$21000.00}. I also have inquires that are not mine and know anything about from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and a list of companies reporting inquiries that I have no knowledge of. I do not have any contracts with any of the stated companies on my complaint. None of the companies stated above have provided me with any original contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not liable for any of the accounts that I'm stating on my report. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$21000.00}. I also have inquires that are not mine and know anything about from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and a list of companies reporting inquiries that I have no knowledge of. I do not have any contracts with any of the stated companies on my complaint. None of the companies stated above have provided me with any original contract as requested.

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 2023-08-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dispute and Request for Thorough Investigation - XXXX XXXX XXXX and XXXX XXXX  Dear Experian Dispute Department, I am writing this letter to formally dispute the inclusion of two accounts, " XXXX XXXX XXXX  '' and " XXXX XXXX, '' on my credit report. It is crucial to clarify that the " XXXX XXXX XXXX '' account has been cancelled, and I no longer have any financial responsibility associated with it. 

Additionally, I want to highlight that the reporting of " XXXX XXXX '' has inaccuracies in its payment history, which is filled with numerous " ND '' ( no data ) entries and years of missing positive payment history. These discrepancies adversely affect my credit report and creditworthiness. 

The " XXXX XXXX XXXX '' account has been properly cancelled, and I do not hold any responsibility for it anymore. Therefore, it should not be included in my credit report as an active debt. 

As for the " XXXX XXXX '' account, the payment history reported is invalid due to the presence of multiple " ND '' entries and the omission of several years of positive payment history. This inaccurately portrays my creditworthiness and financial responsibility. 

I have attached relevant documentation to support my dispute, and I request that Experian conducts a thorough investigation into both accounts. It is essential to rectify any inaccuracies and ensure fair and accurate credit reporting. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I expect Experian to conduct a timely and comprehensive investigation into the disputed information. 

To comply with FCRA Section 611 ( a ) ( 2 ), I request Experian to mark both " XXXX XXXX XXXX  '' and " XXXX XXXX '' accounts as " In Dispute '' during the investigation process. 

I anticipate a written response from Experian once the investigation is complete. If the reported information is found to be inaccurate, I request the immediate removal or correction of both accounts from my credit report. 

Please ensure that any updates to my credit report are made within the timeframe specified by FCRA Section 611 ( a ) ( 1 ) ( B ). 

Feel free to contact me at XXXX for any further information or clarification required. 

Thank you for your attention to this dispute, and I trust that Experian will handle this matter diligently and rectify the reported inaccuracies promptly. 

Sincerely, XXXX Enclosures : - Evidence of " ND '' entries and missing positive payment history for " XXXX XXXX '' account

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 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
recently checked my consumer report XXXX and noticed that Credence Resource Manage was reporting a charge off since XXXX of 2023. I sent debt validation letter green return receipt # XXXX along with the a CEASE AND DESIST XX/XX/2023. Its now XX/XX/2023 and Credence Resource Manage has not responded they are still reporting after i gave them a Cease and Desist all communication through all mediums including the consumer reporting agencies however they did not honor my cease and desist { pursuant to 15 U.S.C 1692 ( c ) ( c ). Credence resource manage never received prior consent with me through communication through the consumer reporting agencies { pursuant 15 U.S.C 1692 ( a ). My privacy is My right and no one can ever infringe upon my privacy however credence resource manage has infringed upon my Privacy with my personal credit data { pursuant 15 U.S.C 1692 ( a ) } the way credence resource manage is very abusive deceptive and unfair should be liable for all my actual damages { pursuant 15 U.S.C 1692 ( a ). This Credence Resource manage has threatened me through communication through the consumer report because the consumer report is my life. { pursuant 15 U.S.C 1692 ( d ) ( 1 ) ( 2 ) ( 4 ) } The fact that this alleged debt wasnt validated should have never been reported nor furnished to my consumer report alleging owing XXXX is obscene and profane language that has truly threatened my reputation. to not honor a cease and desist and continue to Report invalidated alleged debt to my consumer report is only the advertisement for sale of any debt to coerce payment of the debt { pursuant 15 U.S.C. 1692 ( 4 ) }. My Consumer report is my life and My general reputation { pursuant 15 U.S.C 1681 ( a ) } is my life that Credence resource manage has threatened { purauant 15 U.S. C 1692 ( d ) ( 1 ). Credence resource manage has defamed my character and defamed my Reputation. By failing to validate this alleged debt pursuant 15 U.S.C 1692 ( g ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) i now have not been able to extend credit i have been getting denied due to this invalidated untrue reporting information to my consumer report and now i can't provide for my family. Credence Resource manage due to failing to comply with the provisions of Fair Debt Collection Practices Act I have been injured. { pursuant 15 U.S.C. 1692 ( k ) any debt collector who fails to comply with any provisions of this subchapter with respect to any person is liable to such person in an amount equal to the sum of XXXX XXXX ( 1 ) any actual damages sustained by such person as a result of such failure. 

green return receipt # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : General Dispute and Request for Thorough Investigation - XXXX XXXX, XXXX, and XXXX Accounts Dear TransUnion Consumer Relations, I am writing this letter to formally dispute the presence of certain accounts on my credit report, specifically those associated with XXXX XXXX, XXXX, and XXXX ( XXXX XXXX XXXX  ). 

As a responsible consumer, I have diligently reviewed my financial records and found discrepancies in the reporting of these accounts. I request that TransUnion conducts a comprehensive investigation into each of the mentioned accounts and reviews the documentation I have provided. 

The specific accounts in question are : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX : I believe there are inaccuracies in the reporting of these accounts, and they may not be representative of my true financial history. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. 

I kindly request TransUnion to thoroughly investigate each account and verify the accuracy of the reported information. During the investigation period, I expect TransUnion to mark these accounts as " In Dispute '' on my credit report, in compliance with FCRA Section 611 ( a ) ( 2 ).

If the investigation reveals any inaccuracies or discrepancies, I request that TransUnion promptly removes or corrects the disputed accounts from my credit report. This will ensure fair and accurate credit reporting and reflect my true financial standing.

I have attached relevant documentation to support my dispute, and I trust that TransUnion will handle this matter with due diligence and transparency.

Please provide written confirmation once the investigation is complete and the necessary actions have been taken to update my credit report accordingly.

Thank you for your attention to this dispute, and I anticipate a swift resolution in accordance with the FCRA guidelines. 

Sincerely, XXXX Enclosures : - Documentation supporting the dispute for XXXX XXXX, XXXX, and XXXX 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
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following Information on my EXPERIAN report is incorrect. I have submitted my disputes online & they have not rectified the issue. According to FCRA 605B 15 USC 1681 EXPERIAN is required to block & delete all info in 4 days. The attached screenshot shows that EXPERIAN created a Dispute several months ago ( And wouldnt allow any more online disputes ) nor acknowledge or delete the incorrect information. Attached is a copy of my FTC reports generated recently to go along with my disputes.

The following information is included in the FTC reports : EXPERIAN : XXXX {$680.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX {$34.00}, XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX {$6100.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$4000.00} Inquiries : EXPERIAN business report 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 2023-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Auto Finance is obligated by FCRA to report accurate accounting.Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items and refund amount paid Capital One Auto Finance has 15 days to provide me with refund, I will be filing form 211 treasury omb form to audit consumers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
After reviewing the case for Wells Fargo I have been a victim to the issues as far as closing my account, overdraft fee miscalculations and also fraud someone kept using my card

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 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion Consumer Relations XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Dear TransUnion Consumer Relations, I hope this letter finds you well. I am writing to address a matter of utmost importance that requires immediate attention. I recently obtained a copy of my credit report from TransUnion and discovered several hard inquiries that are not associated with any accounts I have opened or authorized. I am deeply concerned about the potential financial harm these inquiries may cause me, and I kindly request that you remove them from my credit report.

As you are aware, my credit report plays a crucial role in determining my financial well-being and my ability to secure credit. It is essential that the information contained within it is accurate, up-to-date, and reflects my true creditworthiness. However, the presence of these unauthorized hard inquiries has a direct negative impact on my credit score, making it more difficult for me to obtain credit on favorable terms and potentially resulting in financial harm. 

I have thoroughly reviewed the terms and agreements provided by TransUnion, and nowhere do they indicate that you have the right to include unauthorized hard inquiries on my credit report. Therefore, I kindly request that you adhere to your own terms and agreements and remove these inquiries immediately. 

I understand that errors can occur, and I trust that TransUnion values the accuracy and integrity of its credit reporting services. Therefore, I kindly request a thorough investigation into this matter to determine the source and legitimacy of these unauthorized hard inquiries. I would appreciate being kept informed of the progress made in resolving this issue. 

Please provide me with written confirmation once the unauthorized hard inquiries have been removed from my credit report. Additionally, I request that you provide me with a free copy of my updated credit report after the removal has taken place, in order to verify that the corrections have been made accurately. 

I would like to take this opportunity to express my gratitude for your prompt attention to this matter. I firmly believe in TransUnion 's commitment to fairness and accuracy in credit reporting. I trust that you will investigate this issue diligently and rectify the situation accordingly. 

Thank you for your time and cooperation. I look forward to a swift resolution of this matter. 

Yours sincerely, [ 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