vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: Advanced Resolution Services Inc.
State: AR

Complaint narrative:
According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXXXXXX XXXX XXXX account XXXX XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RESOURCE MANAGE at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$2900.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 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: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-04-26 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My wallet, including my banking cards, Driver 's license, and social security card, were stolen. The individual has made unauthorized purchases and loan inquiries at Mountain American CR UN. 

I have filed a police report with the XXXX of XXXX and the XXXX of XXXX. 

XXXXPD- XXXX. 

XXXXPD- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LoanCare, LLC
State: FL

Complaint narrative:
NOTICE OF DEFAULT ON DEMAND TO CEASE AND DESIST ALL COLLECTION ACTIVITIES OF ALLEGED DEBT, NOTICE AND DEMAND FOR PAYMENT, INTENT TO SUE, AND OPPORTUNITY TO CURE AFFIDAVIT OF TRUTH AND FACTS, SEEKING RELIEF AND MONETARY DAMAGES. This matter arises from XXXXXXXX XXXX XXXXXXXX committing security fraud by recording a tampered fraudulent mortgage with XXXX XXXX Florida on XX/XX/XXXX, XXXXThis is an action for damages that exceed {>= $1,000,000} ( XXXX XXXX ). On XX/XX/2023, XXXX XXXX and XXXX XXXX executed and delivered to XXXX XXXX XXXXXXXX a Note and mortgage, Security instruments for a loan. XXXX XXXX and XXXX XXXX hereby certifies that the mortgage, dated XX/XX/2023, executed by XXXX XXXX XXXX and XXXX XXXX, and delivered to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX is tampered and Fraud. ( attached, copies of both mortgage with tampered recording and original mortgage ). Mortgage recorded on XX/XX/2023, in Official Records Book 140, Page 251, public records of XXXX XXXX, Florida, in mortgage INSTR # XXXX. XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Title altered and tampered with XXXX XXXX XXXX and XXXX XXXX signed mortgage security instruments. XXXX XXXX XXXXXXXX and XXXX XXXX modify the physical security instruments documents by removing XXXX XXXX name and related information about XXXX XXXX after it has been signed and concluded by XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Title, loan documentation fraud. Altering and tampering with loan documentation is a serious crime. Contracts or Legal documents signed and notarized or recording for official records against real or personal property can not be altered and tampered. When it is reported that a document was forged and that the forgery was committed with the intent to injure or defraud another person, law enforcement officers and prosecutors take an aggressive stance when investigating and prosecuting these crimes. Under Florida Statute 831.01, forgery is classified as a third-degree felony. XXXX XXXX XXXXXXXX and XXXX XXXX, falsifying a notarized document in Florida to commit fraud is a third-degree felony. XXXX XXXX FRAUDULENT PRACTICES, SECTION 535. Unlawful filing of false documents or records against real or personal property. 
19. ( 1 ) As used in this section, the term : ( a ) File means to present an instrument for recording in an official record or to cause an instrument to be presented for recording in an official record. LoanCare LLC and XXXX XXXX XXXX XXXX XXXX are third-party debt collectors Under the Federal Debt Collection Practices Act ( FDC PA ).

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 2024-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CUSTOMERS BANCORP, INC
State: NV

Complaint narrative:
This complaint is related to current case # XXXX, involving XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXX Instead of XXXX XXXX refunding me monies of $ XXXX, he instead referred me to this other investment program known as a XXXX XXXX XXXX being operated by a XXXX XXXX with the bank account registered under a business name of XXXX XXXX XXXX This involved $ XXXX being wired to this specific XXXX XXXX  account by XXXX XXXX XXXX bank , with XXXX bank not trying to contact me regarding me giving final authorization to complete this transaction, they just went ahead and processed the wire. It also has turned out that this investment program has been operating fraudulently according to the contract that is being used by XXXX XXXX and possibly operating as a Ponzi scheme were new investor money is used to pay old investors. 
I plan on providing proof of the wire transfer being submitted by XXXX bank on XX/XX/year>. Again this was done without me providing a final authorization. I have tried numerous times to request a refund of monies by contacting XXXX XXXX and XXXX XXXX with proof showing a request to XXXX XXXX on XX/XX/year> with no response from either party. The checking account which monies were wired to involved a fraudulent investment known AS a XXXX XXXX investment that never paid out profits and is possibly operation as a Ponzi scheme. For these 2 reasons I am requesting a refund of all monies previously listed to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: CA

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$15000.00} XXXX  - XXXX {$5200.00} XXXX XXXX XXXXXXXX {$4600.00} XXXX XXXX XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX - XXXX {$9600.00} XXXXXXXX XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I am a victim of identity theft. I learned that some of my personal information was used to open an account at Wayfair c/o Citibank. I did not open or authorize this account, and I requested that it be closed immediately and all information about this account removed from my credit files. 

The account has three charges dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the order shipping address as XXXX XXXX XXXX XXXX XXXX NJ, XXXX as shared with me per the Wayfair fraud Security Team. This is not an address associated with me. The Wayfair Security Team has deemed all three charges on this account as fraud and has refunded them to the credit card account. The remaining charges on the account are credit card fees only. 

I have been in communication with Citibank since XXXX. After repeated fraud claims made - unfortunately they continue to state the account is mine and they will not close the account nor remove the credit inquiry, account/ balance, and past due notifications from my credit report. 

Recently I have sought assistance from the Director of the Fraud Department of the Attorney Generals Office in the State of Maryland. He has directed me to submit this claim. 

Find attached the supporting documents to support my claim. Please let me know if you find you need any additional information as you review my complaint. 

1 ) Original letter from Citibank indicating their suspicion for fraud when the account was initially opened. 
2 ) Initial letter from Citibank stating their decision that the account was legitimate. 
3 ) Identity Theft Report # XXXX, Federal Trade Commission ( I submitted after I received direction from the Attorney Generals Office ) 4 ) Police Report # XXXX, XXXX County Police Department 5 ) New Citibank statement showing all charges refunded ( consistent with the conversation I had with Wayfair on XX/XX/XXXX who stated these refunds/ credits were due to the charges being deemed as fraud ) 6 ) My official letters sent to Citibank dated XX/XX/XXXX, XX/XX/XXXX ( resent because I was told the original address I had been given to mail to was incorrect and they did not receive the package despite USPS confirmation of receipt ), and XX/XX/XXXX ( adding the new info from Wayfair that they deem the charges fraudulent ) 7 ) Final letter from Citibank XXXX again closing the fraud case.

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 2024-04-26 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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 recently checked my credit report and found this fraudulent account, please remove this account from my credit report. It's hurting my chance to get credit

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 2024-04-26 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: GA

Complaint narrative:
I have contacted the consumer reporting agencies multiple times regarding fraudulent items included on my credit report. I received notification that the credit reporting agencies declined my request to delete and block items from my credit report. Under 15 USC 1681c-2 , a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days.

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 2024-04-26 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: GA

Complaint narrative:
I have contacted the consumer reporting agencies multiple times regarding fraudulent items included on my credit report. I received notification that the credit reporting agencies declined my request to delete and block items from my credit report. Under 15 USC 1681c-2 , a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 

Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor XXXX XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXXXXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 

It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do so on multiple occasions, thereby violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 

Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor XXXX XXXX XXXX  Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXXXXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 

It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do so on multiple occasions, thereby violating the law.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit report by Capitol One, XXXX, and XXXX. Upon reviewing my credit report, I have identified discrepancies in the reported open dates and high credit amounts, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

As per the FCRA, it is imperative that accurate information is reported by credit bureaus and creditors alike. However, the inconsistent reporting by Capitol One, XXXX, and XXXX has led to discrepancies in my credit report, specifically regarding the open dates and high credit amounts associated with my accounts. 

Furthermore, the discrepancies reported by Capitol One, XXXX, and XXXX are not only inaccurate but also constitute a violation of the Privacy Act of 1974. This act mandates the protection of individuals ' personal information held by federal agencies, and any violation thereof is unacceptable. 

In addition, I am exercising my right under 15 USC 6802 to opt out of the reporting of this account on my consumer report. Therefore, I formally request that Capitol One cease reporting this account to XXXX and XXXX effective immediately. 

I request that Capitol One, XXXX, and XXXX conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. 

Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect Capitol One, XXXX, and XXXX to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. 

Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation