vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MO

Complaint narrative:
I am filing this complaint because XXXX, XXXX, and TRANS UNION credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. 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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint because XXXX, EXPERIAN, and XXXX XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. 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 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act AFFIRM XXXX # XXXX AFFIRM XXXX # XXXX, AFFIRM XXXX # OATMXXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # RCKPXXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # XXXX, XXXX XXXX XXXX # XXXX, STATE EMPLOYEES CRED XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX XXXX XXXX  # XXXXXXXX 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, STATE XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Judgment Group
State: MD

Complaint narrative:
I was twice the garnishment order put on to the same employer at XXXX ; with these two incidents, I vacated the judgment. I have lost tremendous money and effort to fix this issue ; the judgment group, XXXX MD, have used the social channel to make things not accurate they failed twice ; on top of that, they are still misleading my employer after the judgment vacated, they do not follow the rules, fail information to collect a small debt, with enforcement, small to them but significant to me I have XXXX kids and survive on this challenging time. I would like this not to happen again and collect some of my losses as penalties. And stop identity thieves and the way they process ; I guess there is no rule they follow after two mounts of trying ; they just send my money back as they took from garnishment, right now that money is a little bit for me, I borrow money to pay my mortgage until I vacated the judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Someone somehow got information about my bank account and printed a fake check and photoshopped my full name onto it and attempted and successfully put it into my checking account, the bank saw that the check was fake and put negative XXXX dollars on my checking account and I don't want to pay that money because I didn't do it my banking account is also locked because the bank 's security locked it automatically and they cant undo it. I went to a police station, and they gave me a site to go to and that site led me here. 
Contact me at XXXX Suncoast Credit Union Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion is reporting information on my credit report incorrectly and twice with XXXX different account numbers for trade XXXX XXXX XXXX I have submitted disputes to no avail. As a result of the dispute the original creditor updated my account as paid as agreed, satisfactory account. Transunion changed it back to a negative account as well as listed it twice and again with XXXX different account numbers. After becoming weary of trying to resolve this matter, I paid a collection agency - XXXX XXXX aka XXXX to resolve the account. 

As proof of my claim, I am submitting excepts from XXXX Transunion credit reports, Receipts from XXXX XXXX Thank you so much for any help you can give me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: NY

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report. It has been well over XXXX days and I havent received any investigation results. I've sent follow up letters and still no response and investigation still shows as open on their end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
I was impacted with financial hardship by the COVID-19 pandemic. As a result, I had to resort to a debt management company to consolidate and pay off my credit card debt. During 2021, I clerked for a U.S. district judge but did so off university funding. Come Summer 2021, I lost my funding. With that, I called XXXX numerous times about deferring my debt until I started my private practice job in XX/XX/2021. XXXX would not defer payment but said that I still had a few months before the debt would charge off and go into collections. XXXX confirmed that once I made a payment, XXXX would not seek collections of my account. 

Well, instead, XXXX transferred one of my credit card debts ( approximately {$8000.00} ) to a law firm, Hunt & Henriques XXXX, because I received a letter saying so from this law firm. I attempted to contact the firm at the provided XXXX number but never received a response. My debt management company then began negotiating with the firm in order to work out a payment plan. 

During negotiations, Hunt & Henriques filed a predatory lawsuit against me in XXXX XXXX XXXX XXXX despite this open line of communications. I immediately contacted this firm and was finally put in touch with an actual lawyer after having to speak with an account representative. I spoke with XXXX XXXX, XXXX, who confirmed that they formally sued me to collect the debt. XXXX XXXX refused to confirm if XXXX was even aware of their decision to file suit. Keep in mind, the call line said it was being recorded and may thus be subpoenaed during a formal investigation. I had no other option but to sign a stipulation and settlement in order to dismiss the suit without prejudice. However, per the terms, if I miss any payment then Hunt & Henriques will refile their complaint. In addition, complaint this firm filed consists of a simple box check form without a proper affidavit executed by a XXXX representative with knowledge of the facts alleged. 

It took approximately one month from initial notice of my account transfer to Hunt & Henriques to the firm formally suing me in XXXX XXXX XXXX XXXX. I believe I am a victim of XXXXXXXX XXXX recent " lawsuit blitz '' against debtors suffering from financial hardship during the ongoing COVID-19 pandemic as reported by XXXX  ( XXXX XXXX XXXX ). Accordingly, I am compelled to seek redress against this financial institution for their victimization of myself and others similarly situated, who have been dragged unnecessarily into the judicial system because oXXXX XXXX XXXX greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
I am writing to dispute an alleged debt with National Credit Adjusters, after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? Under the laws of the FDCPA, these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collections agency has, such as a license to collect in my city/ state ) after numerous attempts still unable to get them to verify with any official permissible document that this is indeed my debt. 

I ' ve enclose copies of my requests to the collection agency, asking them to validate this alleged debt, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, debt collectors/ credit bureaus are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge them to remove this item before I am forced to take legal action. 

In the event debt collectors/ credit bureaus can not verify the item pursuant to the FCRA XXXX and continue to list the disputed item on my credit report I will find it necessary to sue for actual damages and declaratory relief under the FCRA . According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

Here is just a few of CFPB debt collectors complaint 's similiar to mines : XXXX # XXXX, XXXX XXXX, XXXX # XXXX, NCA # XXXX, NCA # XXXX, XXXX XXXX  # XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to CFPB protection and to enforce the law against all perpetrators in violation of FCRA. CFPB to protect my right to a fair and accurate credit report, also if legal actions taken and CFPB finds such perpetrators negligent against the consumer. CFPB represent as a witness on the consumer behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Verisk Analytics Inc
State: MO

Complaint narrative:
I have disputed the inaccurate Bankruptcy on my Credit Report at all 3 Credit Bureaus and LCI Consumer Center and it continues to report on my credit reports. 

LCI Consumer Center has not responded to my dispute, and the Credit Bureaus continue to report the Bankruptcy that I never filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Victoria Secret Credit card, decreased my {$1000.00} credit limit to {$100.00} after I paid it off and did not use the card for a couple of months. When I went to use it for XXXX gifts for my 3 daughters, is when I discovered they had lowered my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: DISCOVER BANK
State: GA

Complaint narrative:
I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 
Please provide the written instructions that I, the consumer gave to Discover which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account DISCOVER BANK XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 

Sincerely, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Some company by the name CREDENCE RESOURCE MANAGE who was previously positing on my account as XXXX XXXX put a collections from XXXX XXXX I have never had an communication with the company in writing or on the phone. I have never received any notifications of collection0s or debt or right to dispute. They are selling my information to multiple companies and placing collections repetitively on my credit report every few months that I am constantly disputing. I also do not owe anything to XXXX XXXX. I have had another cable in my for years I have had T-Mobile as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of this company or received any bills from XXXX XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs and XXXX

Company response to consumer: Closed with non-monetary relief