vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Albert Corporation
State: IL

Complaint narrative:
Albert app stole my last paycheck, twice over, charges me, left me with all of $ XXXX, and refuses to comply so I can get it back. After several calls, a total predatory scheme.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent Certified Mail # ( XXXX ) to Capital One XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX per credit card agreement, items with restrictive words, conditions and instructions which was received on XXXX XX/XX/2023. I also sent Certified Mail # ( XXXX ) to XXXX  XXXX XXXX XXXX ( Capitol One ) XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( which was delivered on XXXX XX/XX/2023 ) a Letter Of Instructions, Claiming the Interest & Equity Owed to XXXX XXXX XXXX Principal accounts ( XXXX ) ( XXXX ) ( XXXX ). 
I sent the Endorsed Bills per Bill Of Exchange Act 1882 Chapter 61, I sent a Durable Financial Power Of Attorney, to show I am the agent for the principal and I also sent a letter titled Federal Reserve Act Section 16. Notes Issues, just in case they have forgotten their duties as CFO. I mentioned in the instruction letter for the CFO to contact me in writing within XXXX business days giving reason for non-performance of his fiduciary duties. Then the XXXX  XXXX XXXX XXXX Closed all three of my XXXX XXXX without my authorization and reported a false statement to the XXXX reporting companies that it was canceled by the creditor which is a lie because I'm the XXXX XXXX and I did not authorize what is going on now. 12 USC Sec. 1431 shows the powers and duties of the bank, they are the borrower and they pay the interest all Banks are security transfer agents and are committing securities fraud daily. Capital One XXXX  XXXX XXXX XXXX is in Violation of the Federal Reserve Act Sec. 16 Note Issues ( 1 ) ( 2 ), Bill of Exchange Act 1882 Chapter 61 and the Federal Reserve Act Sec. 29 Civil Money Penalty. Capital One has a pattern of misconduct when it comes to upholding the Federal Reserve Act Section 16. Note Issues ( 1 ) ( 2 ), Bill of Exchange Act 1882 Chapter 61, Hart-Scott-Rodino ( HSR ) Act and the Constitution of the United States. Capital One and XXXX XXXX XXXX XXXX is knowingly and recklessly causing a substantial loss to the principal and is in breach of his fiduciary duty. I am now in the Second Tier of The Federal Reserve Act Sec. 29 Civil Money Penalty with this company. I guess I will have to take this to Federal Court because it seems like the CFPB is in the pocket of all these banks and does not do a thorough job of investigating these Banks for breach of contract and securities fraud, heck maybe they don't know the Law either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX SS # XXXX dob - XX/XX/83 You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX - XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

I have sent proof that this is not my account. This is a fraudulent account opened in my name and I would like it removed.

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 2023-09-16 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: FL

Complaint narrative:
This account was opened under my name without consent while I have been incarcerated in the bureau of prisons. This account can not be mine as I am incarcerated & have been since 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 explanation
Consumer complaint received 2023-09-18 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:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-09-18 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: TX

Complaint narrative:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
This account was opened under my name without consent while I have been incarcerated in the bureau of prisons. This account can not be mine as I am incarcerated & have been since XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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:
There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions. 

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
My TD Bank Cash Rewards credit card was stolen and a fraudulent purchase of {$320.00} was made at a local grocery store. When I reported that charge, I was also told a second purchase was attempted at the same store within the next few minutes for {$210.00}, but it was denied automatically because it was suspected as fraudulent. 

Several times ( at least four, but I've lost count by now ), I have filed a claim with TD Bank that the charge was fraudulent, and several times it has been rejected because the thief chose to make their purchase at the same grocery store I shop at ( albeit a different store number, which is indicated on the credit card statement ). TD Bank has stated that because the purchase was made at a merchant I have previous business with, it is rejected as fraudulent. I have re-filed the claim several times, explained the story to several customer service representatives, and I have faxed in the police report I filed. Each time, it still is rejected. 

The customer service representatives have told me there is no way for me to contact the fraud department directly to speak with them. I have requested a call back from the fraud department twice, and they have never contacted me or left me any sort of a message about how to reach them. I have offered to send in a surveillance image of the thief provided by the police officer I contacted, but I have been told by customer service they do not have an email address available for anyone at the fraud department. Without ever speaking to me, the fraud department just rejects the claim each time with the same designation ( denied because of previous business with the merchant ). Thus far, I have been unable to explain my story to anyone at the bank who actually has the power to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
This company can not come after me or collect on this debt since the Florida status of limitations is 5 years. 

This company has gone against Florida collection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received {$8500.00} ( in the form of three checks ) from a XXXX internship during the summer of XXXX as a part of a program at XXXX XXXX XXXX I deposited the three checks into my account. On XX/XX/XXXX, Capital One withdrew all {$8500.00} without my consent. When I called them to find out what was going on they told me my account was under investigation ( without my notice ) in XXXX. The results of that investigation concluded that an act of fraud was committed on my account and that the banking relationship between Capital One and me was severed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16 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: NC

Complaint narrative:
I notified all 3 Credit Reporting agencies - XXXX, XXXX, and Experian- as well as XXXX XXXX XXXX subsidiary- that I was no longer an authorized user of my XXXX XXXX XXXXXXXX XXXX Credit Card XXXX None of the parties have removed the debt from there reports. The end result is that my credit score has been artificially been kept low by including this debt in the calculation of my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to formally dispute the presence of a fraudulent account on my credit report. The fraudulent Please conduct a thorough investigation into this matter and remove the fraudulent account from my credit report as soon as possible. It is imperative that my credit report accurately reflects my credit history and financial standing. 

the following accounts do not belong to me LVNV Funding LLC, LVNV Funding LLC. I am unsure in the exact time these accounts appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OP Group Holdings, LLC
State: CA

Complaint narrative:
My mother XXXX XXXX XXXX XXXX : XXXX  ) has XXXX 's and lives in a XXXX XXXX She is a widow and alone. This company XXXX has been withdrawing {$110.00} allegedly for Home Coverage and {$140.00} for Vehicle coverage every month for the last year. My mother does not drive. Despite multiple attempts by the bank to stop them from withdrawing the money from my mom who is poor, XXXX continues to take this money from her. Every time we have the money reversed, XXXX goes back and takes it again. We have paid to stop payment to no avail. My mother has XXXX XXXX and this company is taking advantage of her medical condition, her lack of capacity and inability to fight to recover money that she so badly needs for her own survival. Please help get the money back and prevent XXXX from taking advantage of an XXXX person with XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Kohls has reported negative and harmful statements to my character to the credit reporting agencies, as consumer and original creditor I would like all negative remarks of alleged late payments removed as I consumer extended my credit to kohls and they were paid in full up front. These alleged late payments are harmful to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX time share is a scam using fraudulent bank called XXXX XXXX XXXX XXXX XXXX that lends money to XXXX on our names without our knowledge and we are obliged and penalized further by the credit rating agencies like Equifax, ( XXXX and others ) relay this false scam in our credit reports. 
XXXX made a fraudulent contract with all lies using smart cheaters who spoil the vacation of the gullible. 
I dispute the XXXX contract # XXXX Please see the fraudulent agents of XXXX warned not to invite tourists especially in Florida and call them inside XXXX XXXX ' hotels, lies and create accounts on our name in a fraudulent bank called XXXX XXXX XXXX  XXXX XXXX XXXX  then sends money to XXXX and bills us. Equifax, XXXX and XXXX etc are then make bad credit rating XXXX based on fraudulent XXXX AND XXXX XXXX BANK. 
WORKING WITH XXXX IS ALSO A PAIN AS THEY SEND PAGES AFTER PAGE OF DATA WITHNO CLEAR ANSWER. 
Please ensure XXXX contract # XXXX is cancelled as told them by mail immediately after we came back in 5 days. XXXX is also very difficult to communicate as their associates are trained not to answer or cancel contracts as requested. 
XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: IL

Complaint narrative:
In XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( XXXX and Experian ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX  to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX XXXX ''. Identity theft report was given to all credit reporting agencies ( Experian, XXXX and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

XXXXne one address should be listed on my credit file : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Bankruptcy information listed is inaccurate. Inaccurate court name and case number. 

See attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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:
XXXX XXXX Equifax and XXXX are reporting false information on this account, and they agreed to fully remove this from my credit and hasn't, please provide me with the accurate information, this effects my life and you guys are listing wrong and inaccurate info 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: MN

Complaint narrative:
I have demanded that these agencies remove these accounts from my credit report. That I did not give permission to be there.

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