vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : XXXX a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-02-06 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: TX

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : 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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I explained that the inquiries were inaccurate and was told that they would be removed in 7 days and to call back after 7 days to have them removed if I did not receive any correspondence the companies. I did call bac in after 7 days and was told to do it all over again with no explanation or update and they would not remove the fraudulent information.

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 2024-02-06 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: TX

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Subject : Urgent : Identity Theft and Unauthorized Account Opening Impacting Credit Dear I trust this message finds you well. I am reaching out to urgently bring to your attention a grave matter concerning my identity. Regrettably, I have recently fallen victim to identity theft, resulting in the unauthorized opening of an account with XXXX XXXX XXXX  without my knowledge or consent. 

The repercussions of this fraudulent activity extend beyond personal violation, affecting my credit significantly. To address this matter promptly, I have already filed a comprehensive police report to document the incident and am actively collaborating with credit bureaus to rectify the damage done to my credit profile. 

In light of these developments, I seek your assistance in expediting the resolution process. If there are specific procedures or documentation required on your end, please advise, and I will promptly provide the necessary information. 

I appreciate your understanding and cooperation during this challenging time. Your support in resolving this issue is crucial, and I am committed to assisting in any way possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting consumer adjustment co XXXX, has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2024-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc.
State: NY

Complaint narrative:
You sent {$990.00} to XXXX XXXX XXXX XXXX XXXX, Your money transfer has arrived in XXXX XXXXXXXX XXXX XXXXXXXX XXXX  account! 

Here 's a receipt of the transaction for your records : Transaction Time XX/XX/2024, XXXX XXXX EST Confirmation Number XXXX Sender Name XXXX XXXX XXXX Name XXXX XXXX Recipient Number XXXX Date Funds Available XX/XX/ Total Sent XXXX USD Exchange Rate XXXX XXXX USD Total to XXXX XXXXXXXX XXXX XXXX XXXXXXXX Auth Code XXXXXXXX XXXX XXXX Email us at help @ sendwave.com if you have any questions about this transaction! 

Ps. How did we do? Please take a couple of minutes to complete a very short survey Sendwave | http : //sendwave.com For security reasons, you can not unsubscribe from payment emails. 
XXXX XXXX dba XXXX  dba Sendwave dba XXXX XXXX XXXX XXXX # XXXX, XXXX, MA XXXX Sendwave Support : ( XXXX ) XXXX You can cancel within 30 minutes of initiating the transaction, unless the funds have been paid to the designated recipient or deposited in the designated bank account by calling Sendwave Support at ( XXXX ) XXXX or emailing us at help @ sendwave.com. This receipt identifies funds have been paid so it is unlikely you can initiate a cancellation request. Please contact Sendwave Support if you have questions about your transaction. 

*Your recipient may receive less due to fees charged by the mobile wallet provider, by a bank and/or foreign taxes. 

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days by email ( help @ sendwave.com ). You can also contact us for a written explanation of your rights. For more details see the Remittance Service Agreement, Section 14 ( www.sendwave.com/tos ). 

If you still have an unresolved complaint regarding the company 's money transmission activity, please direct your complaint to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX phone : XXXX XXXX You can also contact the Consumer Financial Protection Bureau XXXX CFPB at : XXXX XXXX ( TTY/TDD ) www.consumerfinance.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I JUST CAN NOT BELIEVE WHAT I HAVE BEEN GOING THROUGH WITH THIS VA HOME LOAN SINCE 2008. I WAS JUST PUT TO THE RINGAR LIKE I WAS A PIECE OF FABRIC IN A WASHING MACHINE BEING DRIED OUT. I WAS TEXTED BY A VA REP THAT TOLD ME I HAVE A TERM OF 449 MONTHS, THAT`S 37 YEARS. YOU THINK I AM HAPPY YOU ARE PUTTING MY FAMILY THROUGH THIS GOT ME IN A XXXX XXXX TO WHAT THE CFPB IS SAYING AND THAT`S A VIOLATION. IN 2008 MY LOAN IS FOR. 
{$250000.00} MONTHLY PAYMENTS OF {$2000.00} FOR 3 YEARS THEN YOU DID YOUR KIND OF REFINANCING. AND I HAVE A DOCUMENT THAT SHOWS THAT ALL I PAID IN 3 YEARS WAS JUST {$4200.00} IN PRINCIPAL AND {$66000.00} IN INTEREST PAYMENTS. THEN YOU SWITCHED THAT OUT AND GAVE ME A LOAN FOR {$240000.00}. THAT WAS JUST A ONLY INTEREST LOAN. AND WAS A VIOLATION OF THE FAIR LENDING ACT. VA LOANS ARE NOT JUST INTEREST-ONLY LOANS AND THE PRINCIPAL IS SUBJECT AFTER 5 YEARS TO A ANNUAL DECREASE OF THE LOAN. MY LAWYER IS TELLING ME THAT I PUT THE MONTHLY PAYMENTS INTO AN ACCOUNT AT MY BANK TILL THIS ISSUE IS SETTLED, CAUSE RIGHT NOW I DO NOT KNOW WHERE MY PAYMENTS ARE GOING. CAUSE THIS FORGED BANK STATEMENT YOU HAVE THE INTEREST RATE AS 3.750 % BUT A DOCUMENT THAT MY LAWYER HAVE FROM A REALTOR HAS 5.125 % AND ON THE 2008 LOAN THE INTEREST IS 6.125 %. I SHOULD HAVE HAD SOME LIENS ON THIS LOAN BUT YOU CAN`T PUT LIENS ON XXXX XXXXOR VA LOAN ESPECIALLY VA 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 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Hi, I was informed by XXXXXXXX XXXX that I would not be responsible for fees associated with moving out and ending my lease early. An unauthorized person gained access to the apartment complex due to security features not functioning properly. These additional security features were advertised on the property website and through communications by the management company at the time. The information provided was incorrect. The gate and security doors to the apartment complex were not working. Additionally, when I needed a support, the advertised number did not work. Therefore, a man was able to get in and attempted to attack me multiple times. I was unable to inform security patrol after notifying the police. 

I have email attachments regarding the event and conversations with XXXXXXXX XXXX 


I was also incorrectly flagged with an eviction notice which was corrected. However, this was also distressing since I was still overcoming a traumatic experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: SFMC L.P.
State: TX

Complaint narrative:
On XX/XX/, l engaged in a conversation with Great Western, during which they assured me three times that only a soft pull would be conducted on my credit for the pre-qualification process. Contrary to their explicit promises, I discovered later through notifications from my banks and XXXX that a hard inquiry had been made on my credit report. 
Upon reaching out to the senior loan officer, XXXX XXXX, she initially claimed the inquiry was a soft pull at XXXXXXXX XXXX  on XX/XX/. However, at XXXXXXXX XXXX on the same day, XXXX XXXX acknowledged that a hard pull had indeed been performed. Subsequently, she downplayed the situation significantly in multiple emails, which I have attached for your reference.

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 2024-02-06 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 express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The following companies have violated my US rights and privileges/USC Title 42 and have created an illegal debt against my financial good standing. They denied me the opportunity to receive the financial extensions my US credit account qualified for and charged credits from my US credit account with no benefit to me. The spending limit of XXXX credits has been reduced to XXXX due to the excessive abuse and misuse of my credit information. They have charged my US credit account month after month by criminally abusing a financial validation feature, hard-inquiring ( which are only for finance account creation/not for credit checking ) for the same financial extension, yet when I called these companies, they relayed to me that I didn't even have an account opened with them. This is criminal to charge me for a loan, turn me away with no gain, misuse my information, and charge me off record for financial extensions and services I have no account for. 

I demand that the following companies are charged with malpractice for this criminal abuse of my personal information and return my credits to the balance of XXXX credits. They can either compensate these losses by financing the accounts in the amounts that are associated with the debts on my US credit account then close the account with a " paid '' account closure or by providing a written statement or notary letter to the CFPB stating that my US credit account has been credited in the amount associated with the debts of my credits and that my account is either " paid '' or in " good standing '' : XXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX ( ongoing ) Capital One Auto Finance XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX ongoing )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: LA

Complaint narrative:
financial: 0% Paid Off, Balance: XXXX XXXX, Updated Balance: XXXX XXXX XXXX  Original Balance: XXXX Account Info: XXXX Open/closed: Open Date Opened: XXXX XXXX XXXX, Account Type: Installment Account.: XXXX Responsibility: Individual Account: Terms: 64 Months, Address: XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX-Ed financial #2; 0% Paid Off, Balance: XXXX, Balanced UpdateXXXX XXXX XXXXXXXX, Original Balance: XXXX  Account Number: XXXX  Open/Closed: Open: Date Opened: XXXX XXXX XXXX: Account Type: Installment Account. Payment Summary: XXXX Status : Paid Or Paying  As Agreed. Status Updated: XXXX XXXX Past Due Amount:: XXXX   Monthly Payment: XXXX: Responsibility: Individual Account: Terms: 64 Months : Contact Info: Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXXXXXX XXXX  Balance Details: 0%  Paid Off: Balance: XXXX, Balanced Updated: XXXX XXXX XXXX Original Balance: XXXX Account Number: XXXX Date Opened XXXX XXXX XXXX XXXX  : Account Type: Open Account. Status Updated: XXXX XXXX Contact Info: XXXX XXXX XXXX: Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation