vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been reporting that this debt along with others are not consented by me. I have had my identity stolen and trying to clean up this massive mess someone left for me. This capital one credit card in particular looks like it was written off in XXXX however late payments are still being reported as the last one was XX/XX/XXXX. This is not my account and demanding it be removed. Also the reporting balance is higher than what the limit actually was. This account was opened using fraud and not by me. They may have my correct information but again was not done by me. I have been trying to fight this with no success. My identity was stolen and still dealing with the effects of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: GA

Complaint narrative:
The below are all accounts that were compromised by scammers and hackers attempting to steal my identy. This IDENTITY THEFT, caused my LATE PAYMENTS. For the months and accounts listed below. Therefore, this directly is a violation of FCRA 605b.. This is not a *DISPUTE. Per 1681c-2, this inaccurate reporting. A clear violation of my consumer rights which now allows me to take civil action against this compay. 
1.XXXX XXXX XXXX # XXXX .. Late payment issued XX/XX/XXXX & XX/XX/XXXX 2.XXXX XXXX # XXXX Late payment issued XX/XX/XXXX 3.XXXX XXXX # XXXX. Late payments issued XX/XX/XXXX, XX/XX/XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX 4. XXXX XXXX XXXXXXXX # XXXX, Late payment issued XX/XX/XXXX 5. XXXX XXXX # XXXX, Late payment issued XX/XX/XXXX and XX/XX/XXXX 6 XXXX XXXX XXXX # XXXX, Late payment isssued XX/XX/XXXX 7. XXXX XXXX XXXX  # XXXX, Late payment issued XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX # XXXX -- {$22000.00} XXXX XXXX XXXX XXXX XXXX # XXXX -- {$13000.00} XXXX XXXX XXXX XXXX XXXX # XXXX -- {$350.00} XXXX Closed Accounts : XXXX XXXXXXXX # XXXX ( late payment ) -- {$450.00} XXXX XXXX XXXX XXXX # XXXX ( charge off ) -- {$220.00} XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: DISCOVER BANK
State: SC

Complaint narrative:
Disputed it with the credit collector and credit bureau that it was never my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: PR

Complaint narrative:
Credence Resources Management, LLC Debt Collector wants pay it. I dont have job. Appears again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: IN

Complaint narrative:
I reviewed a copy of my credit report and noticed inaccurate reporting and accounts. This involved the following : 1. XXXX XXXX : Account number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$370.00}. 
2. XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$9800.00}. 
3. XXXX XXXX XXXX XXXX ; Account Number xxxx ; Date Opened XX/XX/XXXX ; Highest Balance {$1100.00}. 
4. XXXX XXXX XXXX XXXXXXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$910.00}. 
5. XXXX XXXX XXXX XXXXXXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$840.00} 6. XXXX XXXX  : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$51000.00}. 
7. XXXX  : XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$720.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: VA

Complaint narrative:
There are inquiries that I never authorized reporting on my consumer report. I tried resolving this with the credit reporting agencies, but I have yet to receive the validation I have requested. This is a direct violation of my consumer rights because the inquiries are still reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: CO

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX  XXXX XXXX Charge-off {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: CO

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the
processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXXXXXX Charge-off {$1000.00}

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 2023-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have been reporting that this debt along with others are not consented by me. I have had my identity stolen and trying to clean up this massive mess someone left for me. This XXXX  XXXX credit card in particular looks like it was written off in XXXX however late payments are still being reported as the last one was XX/XX/XXXX. This is not my account and demanding it be removed. Also the reporting balance is higher than what the limit actually was. This account was opened using fraud and not by me. They may have my correct information but again was not done by me. I have been trying to fight this with no success. My identity was stolen and still dealing with the effects of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: VA

Complaint narrative:
Dear CFPB, I am writing to urgently address a pressing issue concerning my financial interactions with Albert. On XX/XX/2023, I downloaded the Albert App to receive a {$35.00} advance, agreeing to the associated {$4.00} processing fee. Since then, Albert has withdrawn a total of {$270.00} from my linked XXXX XXXX XXXXXXXX account, as detailed in the attached XXXX XXXX XXXX file. 

Despite my immediate actions to cancel my subscription and deactivate the " smart money '' feature on the Albert App, unauthorized transactions continue unabated. This has caused significant distress and financial uncertainty.

To compound matters, Albert refuses to unlink my XXXX XXXX XXXXXXXX account without linking another bank account, a step I am unwilling to take. Their justification for this refusal is the alleged " smart money '' deposit in process, despite my explicit choice to disable this feature and my attempts to terminate my account. 

Today, an unexpected deduction of {$170.00} was made from my XXXX XXXX XXXX account, with no corresponding record in the Albert App, intensifying my concern and frustration.

I want to emphasize my absolute refusal to engage with Albert and my firm decision not to activate the debit card they sent me. I am resolute in my request to sever all ties with Albert and any affiliated entities. Therefore, I formally demand the immediate cessation of all ongoing attempts by Albert to " save '' or " invest '' my funds. Specifically, I request the refund of the entire amount of {$270.00}, minus the initial {$35.00} advance and {$4.00} processing fee, to be promptly reimbursed and deposited back into my linked XXXX XXXXXXXX XXXX account. Additionally, I insist on the removal of my account from Albert 's database to prevent any future unauthorized charges.

I am entangled in a vexing cycle of unhelpful responses from Albert, and the situation remains unresolved. As evidence of the ongoing issues, I have provided a summary of recent transactions and charges below : XX/XX/2023 : {$8.00} ( processing ) XX/XX/2023 : {$170.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$7.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$5.00} XX/XX/2023 : {$10.00} XX/XX/2023 : {$33.00} XX/XX/2023 : {$11.00} Total Amount in Question : {$270.00} I urgently seek your assistance in resolving this matter and ensuring the swift reversal of these unauthorized transactions. Your prompt intervention is paramount in bringing an end to this distressing situation and Albert 's predatory lending practices. 

Your immediate attention to this matter is greatly appreciated. Attached, you will find documentation supporting my efforts to address this issue with Albert. 

Thank you for your swift assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This all started on XX/XX/XXXX found out when I logged into my Navy Federal someone put in {$1000.00} into my account and then took out {$1000.00} again to the XXXX apparently took out a cash advance which never do. I tried to dispute this with fraud companies, but they said it came from my cell phone which didnt make any sense. I have no idea what to do. I dont even know how to explain it because it happened so fast they tried to take a {$4000.00} loan out or a {$5000.00} loan out. They tried to take cash advance out when I told him that I did not do this, and I changed my whole account. They proceeded to tell me That there was no fraud that happened and they wont tell me how they knew that it was through my cell phone. I am completely devastated because now I cant pay for my XXXX whatever it is credit card. Also, with this Navy Federal gave me {$1000.00} I put it into my credit card to pay off my credit then Navy Federal took back that XXXX XXXX. It is extremely confusing and I dont understand what happened and who did this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings
State: CT

Complaint narrative:
My father was renting an apartment at XXXX XXXX XXXX, XXXX NC. He was on a month by month basis and after terminating his lease with the rental company, XXXX XXXX XXXX ) they served an eviction notice on him as well. I have the same name as my father with the exception of XXXX being at the end of my name. I had never signed the lease and I was never a tenant. I would like this removed from my report as it was not me.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I ordered merchandise over 13 years ago. I filed a claim with wells fargo when I had the account. The amount was XXXX I believe or somewhere in that range. 13 years later they were audited and found that they owed me my money back. After 13 years of holding onto my money, they sent me a check for XXXX cents which if I owed them any money they would be charging me interest every month like nothing until paid. So why after XXXX do they get to walk away with a slap on the wrist I am not okay with this and I told the branch manager in XXXX XXXX same thing this is not right.

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 2023-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I disputed it with the credit collector and credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XXXX paid our taxes of {$3700.00} on XX/XX/2023. PHH  bought the loan and started servicing it on XX/XX/2023 and PHH  paid {$3700.00} again on XX/XX/2023. I spoke to XXXX XXXX at XXXX XXXX XXXX tax dept. and was advised that she received XXXX 's check and found that it was an overpayment. 
She did not deposit the check, she returned the same check to them the beginning of XXXX. That was almost 2 months ago and our escrow account should not be showing a negative balance. I have emailed PHH Mortgage with no response and called several times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a covid forbearance on my mortgage through Fifth Third Bank through the end of XX/XX/XXXX. I filed for an extension during the month of XXXX. 

I contacted them for an update in XXXX, they said they didn't get anything and if I still was having the hardship I would have to apply for a new forbearance. I did so. 

The assessment of it was delayed until XXXX, and so XXXX and XXXX were marked as late payments. 

My situation changed in XXXX of XXXX and I was able to bring everything current and come off of forbearance. Unfortunately those payments were still marked as late and so they were marked as paid 180 days late. 

I appealed and filed disputes through the credit bureaus, but they were denied too quickly for me to believe they were really looked into. 

This has proven problematic with attempts to refinance and be approved for new lines of credit since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX for {$310.00}. I do not have a contract with XXXX XXXX and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/2023. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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