vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.The Original amount of payment keeps going up and is affecting me significantly.The debt keeps growing weekly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: DE

Complaint narrative:
Someone has stolen my identity and used my information to get an rental unit in a state that I have NEVER LIVED IN. The company has tried to contact me about the debt and I have NEVER confirmed my identity and told them muiltiple times that the was NOT my acct and have never lived there. They have since attached this to my credit report with as a COLLECTIONS in which has bought down my credit score and they even started garnishing my wages and I have NEVER even received court papers for a hearing so that I could possibly clear my name from the debt in the court of law. The creditors information is : XXXX  ; {$6500.00} ; Date opened : XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Subject : Unauthorized Credit Inquiry on XX/XX/2024 Dear Navy Federal Credit Union, I hope this message finds you well. My name is XXXX XXXX, and I am writing regarding a credit inquiry made by Navy Federal Credit Union on my XXXX credit report dated XX/XX/2024. 

While I acknowledge and am not disputing the inquiry made on XX/XX/2024, I must inform you that the XX/XX/2024 inquiry was not made by me. I have been a victim of identity theft, and this fraudulent inquiry was conducted without my knowledge or authorization. 



To support my claim and assist in resolving this matter, I have attached the following documents for your review : 1. Copy of my birth certificate 2. Copy of my Social Security card 3. Copy of my state-issued ID 4. Police report documenting the identity theft incident 5. Copy of a recent bank statement for proof of address I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report. Please let me know if there are any additional steps or documents required to assist in this process. 



Should you need to reach me for further clarification, I can be contacted at XXXX or via email at XXXX. Thank you for your time and attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because Credit Credence Resource Management , LLC, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XXXX and Privacy Laws. Credence Resource Management , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX and XXXX credit file of XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I don't have the exact dates but I called Wells Fargo five times from the XXXX through the XXXX of XX/XX/year>. On the fifth call, I found out that my account was blocked. They couldn't tell me why and asked me to contact XXXX, who sent me right back to the bank. Neither party wants to take responsibility for it. I have been through the process of being shunted around like this for over a week. 

There is no stated limit on the amount of money that can be sent via XXXX but when I tried to send a XXXX dollars, ( which I had sent before without any problems ) they said that my limit was XXXX XXXX dollars. When I tried to send XXXX XXXX dollars they gave me a message saying that my transaction couldn't go through because of security reasons. Each time I tried to send the money I got a slightly different error message but was never told that I was blocked or why. 

This is a very poor way to treat one 's ( long-time ) customers. The recipient had an emergency and I was unable to get the funds to her.

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 2024-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan servicing recently got transferred from XXXX XXXX  to Mr Cooper and Iam trying to access my account online & keeps telling me there is no record of my loan even though I have sent 2 payments & they sent me a letter stating they had my loan even though. I tried calling them & they tell me the same thing? Iam extremely frustrated because I have been sending Principal payments to pay my debt off sooner. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Transunion multiple times, and so have my attorney, we have outlined that XXXX XXXX provided false and mispresented information to me in the sale of a timeshare and the account was created under a scam and that the account needs to be removed from my credit. I keep receiving the same results and my credit continues to be impacted. XXXX and XXXX have listened and take the time to see that company has done this many times, no no avail I'm I getting this assistance from Transunion, please help,

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 2024-12-14 00:00:00
Product: Credit reporting 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:
Credit Karma stays behind in reflection of extra payments that pay down the balance. There is no change and they stay behind not reflecting major payments made, but CK quickly drops my score on credit report when the balances rises slightly.

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 2024-12-14 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:
Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX, Transunion, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XX/XX/XXXXXX/XX/XXXX and Privacy Laws. XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the Transunion, XXXX, and XXXX credit file of 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION FILE # XXXXsend via certified mail Subject : FCRA 605B Identity Theft Report Request for Fraudulent Information Block To Whom It May Concern, I am writing to formally request the removal and blocking of fraudulent information on my credit file, as authorized under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). The details of this request are outlined below : Personal Information : Name : XXXX XXXX XXXX Address : c/o XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Social Security Number : ( Provided as required in enclosed documentation ) Summary of Fraudulent Activity : Upon reviewing my credit reports, I discovered multiple fraudulent accounts and unauthorized credit inquiries associated with my identity. I have attached a copy of the FTC Identity Theft Report ( Report # XXXX ) XXXX XXXX Police Department Case Number : XXXX and supporting documentation to substantiate my claims as my name is trademarked and copyrighted. 
XXXX Accounts : XXXX. XXXX XXXX Account Ending in XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending in XXXX Balance : {$3500.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending in XXXX Balance : {$13000.00} XXXX. XXXX XXXX Account Ending in XXXX Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX Account Ending in XXXX Balance : {$16000.00} Unauthorized Credit Inquiries : XXXX. XXXX XXXX XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX twice ) XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX : 1. Block and remove the fraudulent accounts and inquiries listed above from my credit report.

2. Notify the furnishers of these items that the information is fraudulent. 
XXXX. Provide written confirmation that these actions have been completed within the 4-business day period required under FCRA 605B .

Enclosed Documentation : 1. Copy of my FTC Identity Theft Report ( Report # XXXX ) 2. A copy of my government-issued ID ( Drivers License ) 3. Proof of address 4. Credit reports highlighting the fraudulent items 5. Notifications from ARAG Identity Theft Protection confirming breach of my personal information Please send written confirmation of the actions taken to my mailing address listed above. I request prompt attention to this matter to prevent further unauthorized activity. 
Thank you for your assistance in resolving this issue. Should you require additional information, I can be reached at the phone number or email listed above. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX Fraud Division XXXX Fraud Division TransUnion Fraud Division

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 2024-12-14 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: DE

Complaint narrative:
Someone has stolen my identity and used my information to get an rental unit in a state that I have NEVER LIVED IN. The company has tried to contact me about the debt and I have NEVER confirmed my identity and told them muiltiple times that the was NOT my acct and have never lived there. They have since attached this to my credit report with as a COLLECTIONS in which has bought down my credit score and they even started garnishing my wages and I have NEVER even received court papers for a hearing so that I could possibly clear my name from the debt in the court of law. The creditors information is : XXXX  ; {$6500.00} ; Date opened : XX/XX/year>.

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 2024-12-14 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Someone has stolen my identity and used my information to get an rental unit in a state that I have NEVER LIVED IN. The company has tried to contact me about the debt and I have NEVER confirmed my identity and told them muiltiple times that the was NOT my acct and have never lived there. They have since attached this to my credit report with as a COLLECTIONS in which has bought down my credit score and they even started garnishing my wages and I have NEVER even received court papers for a hearing so that I could possibly clear my name from the debt in the court of law. The creditors information is : XXXX  ; {$6500.00} ; Date opened : XX/XX/year>.

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 2024-12-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX, XXXX, MO, XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Open Late XXXX Days XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$4.00} Charge-off XXXX XXXX  XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$300.00} Charge-off XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX  Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00} Collection XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : $ XXXXLate/Open

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 2024-12-14 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: TX

Complaint narrative:
**I DO NOT AUTHORIZE any individual ( s ) to sustain or report ANY data, bona fide or not, of which is not EACH OF being physically validated and certified as entirely unquestionable, CORRECT, entire, TIMELY, of my undoubted ownership, of my undeniable responsibility, in agreement with requisite ( s ) recorded to every aspect of any and all applicable regulations and laws including the mandatory METRO 2 format compliance standards, and IRREFUTABLE in its CERTIFICATE as such. That said, ANY PERSONAL IDENTIFIERS not matching the above noted inserted data MUST be immediately discarded, do so here and now!

RE : DEMAND for PERFECT and factually COMPLIANT REPORTING even to the REQUISITES of the METRO 2 format compliance standards ie my Consumer DEMAND to have NO DEROGATORY information reporting UNLESS it is, as REQUIRED by LAWS, confirmed fully unfeigned, CORRECT, Complete and CERTIFIED COMPLIANT in reporting of that derogatory and or any aspect of it. I DEMAND IMMEDIATE deletion of any NOT TESTIMONIAL as perfectly and fully physically VERIFIED and CERTIFIED as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Im currently with Carrington mortgage services LLC XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. My mortgage payment went up from XXXX to XXXX every month in a big jump that can not be explained. My taxes did not go up that much. I think my mortgage company is charging me a lot of money that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Prior to the XXXX Pandemic, I was current on all my debt. Due to the pandemic I began to default on my revolving debt and auto loan. Pursuant to the CARES Act, most of my creditors negotiated a settlement payment or provided a forbearance. XXXX XXXX XXXX XXXX choose to charge-off my account after XX/XX/2020 and during the pandemic. Several years later, they sold the charged-off debt to Midland Credit Management XXXX 

In violation of Sec. IV subsection 4013 : XXXX denied my request for relief pursuant to Sec. 4013. 
In violation of Sec. IV subsection 4021 : Midland Credit Management is trying to collect on a debt that was charged-off during the pandemic after XXXX refused to provide relief. The collection attempt and its reporting to the credit bureaus is in violation of the CARES Act.

Additionally, Midland Credit Management has failed to provide evidence the debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The bank has informed me of the number of dishonored payment on this account. however, always they daid the account information is incorrect or the bank is not accepting the payment. when I have called my primary bank ( XXXX XXXX  and XXXX  XXXX XXXX ) both mentioned, They didnt receive any charge from Synchrony bank. after I informed it, Synchrony proccess the payment. 
Those account are saved in my online account to pay easy without mistakes, I dont know why they mention has some mistakes in your account if before passed without problem. 
I have now paid the full amount to avoid further problems with this account, but I dont want to have a bad rating for this reason when it is not my fault. 
Since the beginning I have received the return until I call the Bank and they process again with the same bank information. 
Also, in XX/XX/year> they charged XXXX dollars due to my check didnt pass, and I called to the supervisor and they removed the fee due to this was a mistake, I called my bank and they never received the request for this payment. same issue occured at the first time, I paid late fee due to I paid in advance and they returned my payment 10 days later and posted later with same date of payment. 
I have called to synchory bank on XX/XX/year> after received the letter and they told me, we sent you a first letter on XX/XX/year> and I never received it. Also, i never received the Email with this information, only this letter with cancellation straight. ( If I receive this letter on time with notification, for sure Ill take actions to pay the full amount to avoid this cancelation on time.

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 monetary relief