vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Sent in Dispute letter to Early Warning Service to dispute XXXX XXXX XXXX information. I was living in the state of XXXX at the time. Im also afraid because they sent me information for someone else when I received my consumer report and it was supposed to be just mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: Kikoff Inc.
State: NC

Complaint narrative:
Company Kickoff Lending LLc has placed a XXXX charge off on my credit report. The company has been emailed XXXX and again XXXX about this charged off account on my credit report. Ive never bought anything from this company! 
The company said this account was charged off XX/XX/XXXX 
Im not aware of any account with this company and no signed contract has ever been sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I hope this message finds you well. I am writing to inform you of a distressing issue involving identity theft that has directly impacted my financial well-being. Upon conducting a review of my credit report, I discovered an unauthorized account that was opened in my name with Credence Resource Management. It is important to note that I have not initiated nor authorized any business or account with this entity. 

The existence of this fraudulent account has caused considerable damage to my credit report and subsequently to my overall financial standing. I am deeply concerned about the adverse effects this may have on my financial health and credibility. I firmly believe that this unauthorized account is a direct result of identity theft and I am actively taking all necessary steps to address this situation. 

I have already taken initial actions by contacting Credence Resource Management to dispute the account and have filed a report with local law enforcement to report the identity theft. Nevertheless, as the impact on my credit report persists, I am reaching out to request your assistance in rectifying this issue. 

I kindly request your support in investigating and promptly removing this fraudulent account from my credit report. Your intervention and guidance in this matter would be immensely appreciated to ensure the accuracy of my credit history is restored. 

Enclosed with this email, you will find the pertinent details regarding the fraudulent account for your reference. Should you require any further information from my end to facilitate the resolution of this matter, please do not hesitate to reach out. 

I am fully committed to cooperating with your team to swiftly resolve this issue. Thank you for your attention to this pressing matter. I eagerly await your guidance and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: United Built Homes LLC
State: TX

Complaint narrative:
Requested information to pay off homeXXXX Received first incorrect payoff statement-XXXX. This was incorrect because of the amount of interest due, an item called " Funds owed by borrower '', and because the amount of taxes paid by the lender. The lender is also the home builder and paid taxes on the property but paid them late which resulted in late fees. 

Since XX/XX/XXXX we have received multiple payoff statements. United Built Homes ( UBH ) has not responded to requests for an explanation of Funds owed by Borrower, has not stated if they will pay for late fees due to their late payment on property taxes, and on the most recent payoff statement, UBH has included insurance and property taxes with these disbursement dates : property taxes XX/XX/XXXX and insurance XX/XX/XXXX. We were told in email to disregard the insurance, but the most recent payoff statement does not reflect this. I have asked for documentation from UBH that the current year 's taxes have been paid and have not received this, and the county website ( last time I checked ) does not show these taxes as having been paid.

It is documented in email that I have requested accurate payoff statements multiple times. Further, I have sent two wire transfers dated XX/XX/XXXX and XX/XX/XXXX that when combined amount to the cost of the home with taxes that were paid for XXXX minus the late fee incurred by UBH, though UBH is including this amount in the payoff statement.

UBH is currently stating that they are refusing these wire transfers, but I confirmed, through speaking with my bank, that as of today those transfers were not rejected or returned. That money is no longer in my account and has not been since the dates listed above. However, UBH has not updated their payoff statement and we consider the most recent payoff statement to be inaccurate and to include interest and charges that we either have not received explanation for from UBH or is simply inaccurate.

Further, we do not consider the work on our home to be complete as outlined in our agreement with UBH and communication with UBH employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC
State: VA

Complaint narrative:
This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. 

I formally dispute the validity of this alleged debt. My dispute to Omega RMS, LLCs collection letter, dated XX/XX/XXXX will be sent to Omega RMS , LLC electronically, via CFPB 's portal to ensure receipt, and to the address referenced above, via certified mail, for record keeping purposes. ( Letter was sent on XX/XX/XXXX, via USPS ). I do not owe this debt or any debt to Omega RMS , LLC or to any third party Omega RMS , LLC is stating to represent. 

You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
V/R, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 ; CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} ; 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I went and paid aidvantage what I owed which is XXXX dollars on the XXXX of XXXX. The payment was accepted on the XXXX but it was reversed on the XXXX. I was confused and tried to call them but their lines were busy. I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I needed to call XXXX XXXX for an issue I needed resolved with an XXXX. I XXXX  XXXX XXXX and clicked on the website and the number that was provided. The agent I spoke with said he needed to verify my identity and I needed to download an app called XXXX so he could see what my screen was showing as we talked. I did as he said and gave him permission to see what was on my screen. He the. Told me to go to my Chime bank account to see if a {$1.00} deposit XXXX sent was showing. I did and it never showed. He then tells me to go to pay/transfer and gave me an email address to put in for who I was sending money to. He then told me in the amount to put {$730.00}. That was the balance on my account and he was able to see that because of the app I downloaded. He was talking so fast and before I even thought I did as he said. He told me my money wasnt going anywhere because the transfer would not be accepted, it would be declined. He kept telling me to wait until it showed so he could decline it. It all happened so quickly. I waited and stayed on the line until the transfer went through. He immediately hung up on me. He scammed me into sending him my whole balance of {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I XXXX XXXX contact credit card company this month requested a credit line increase since I had payment XXXX  months of excellent payment history. 

I have {$1700.00} available credit at that time and company ran my credit inquiry and my score dropped because of that credit Inquiry and removed my available credit. 

I did not authorized had no knowledge that my credit was been pulled and my credit score dropped I contacted the credit card company and was told customer credit are ran often. 

I was discriminated against for retaliation from previous complaint filed and company ruined my credit score.

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 2023-10-28 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: CA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
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 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 non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA, XXXX XX/XX/2023 Experian Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Dispute of Inaccurate and Incomplete Accounts on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute the accuracy and completeness of certain accounts that are currently being reported on my Experian credit report. The accounts in question, along with their respective account numbers, are as follows : 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 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 XXXXXXXX ( In Collection Status ) I believe that the information being reported on these accounts is in violation of the Fair Credit Reporting Act ( FCRA ) due to its incompleteness and inaccuracy. Specifically, the discrepancies I am disputing include incorrect balance amounts, payment history inaccuracies, and a lack of proper validation of the debts.

Under the FCRA, it is essential that the information on my credit report is both accurate and complete. The inaccuracies and omissions regarding these accounts are detrimental to my creditworthiness and financial standing. As such, I am formally requesting that Experian investigate and rectify these issues by removing the disputed accounts from my credit report immediately.

I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office if these inaccuracies and omissions are not promptly addressed. Please consider this letter as a formal dispute under the FCRA and initiate an investigation into the disputed accounts immediately. In addition, I request that you provide me with written confirmation of the actions taken within the timeframe required by law.

You may contact me at XXXX or via email at XXXX to discuss this matter further. All correspondence related to this dispute should be sent to the address provided above.I look forward to a swift resolution of this matter and the removal of the inaccuracies from my Experian credit report! 
Sincerely, 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove, XXXXXXXX XXXX XXXX XXXX account # XXXX XXXXXXXX from my consumers report, this payment is being reported twice within another XXXX XXXX account XXXX dated the same year and month, I was never late on this self-lender account. This is against FCRA to have XXXXwo of the same payment reporting on two different accounts I have never been late. 

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. 
As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission.

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 2023-10-28 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: PA

Complaint narrative:
Please see the attached documents to understand what had happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA, XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate and Incomplete Accounts on My Credit Report Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and completeness of certain accounts that are currently being reported on my Equifax credit report. The accounts in question, along with their respective account numbers, are as follows : XXXX ACCOUNT # XXXX ( In Collection Status ) XXXX XXXX XXXX ACCOUNT # XXXX ( In Collection Status ) XXXX XXXX ACCOUNT # XXXX ( In Collection Status ) XXXX XXXX ACCOUNT # XXXX ( In Collection Status ) XXXX  XXXX XXXX ACCOUNT # XXXX ( In XXXX XXXX XXXX I believe that the information being reported on these accounts is in violation of the Fair Credit Reporting Act ( FCRA ) due to its incompleteness and inaccuracy. Specifically, the discrepancies I am disputing include incorrect balance amounts, payment history inaccuracies, and a lack of proper validation of the debts. 
Under the FCRA, it is essential that the information on my credit report is both accurate and complete. The inaccuracies and omissions regarding these accounts are detrimental to my creditworthiness and financial standing. As such, I am formally requesting that Equifax investigate and rectify these issues by removing the disputed accounts from my credit report immediately. 
I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office if these inaccuracies and omissions are not promptly addressed. Please consider this letter as a formal dispute under the FCRA and initiate an investigation into the disputed accounts immediately. In addition, I request that you provide me with written confirmation of the actions taken within the timeframe required by law.

You may contact me at XXXX or via email at XXXX to discuss this matter further. All correspondence related to this dispute should be sent to the address provided above.I look forward to a swift resolution of this matter and the removal of the inaccuracies from my Equifax credit report! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove, XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX from my consumers report, this payment is being reported twice within another XXXX XXXX account XXXX dated the same year and month, I was never late on this self-lender account. This is against FCRA to have two of the same payment reporting on two different accounts I have never been late.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. 
As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission.

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