vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX  XXXX  {$440.00} XXXX XXXX XXXX XXXXXXXX XXXX  {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My information was stolen in New York around XXXX I reported this to the XXXX ( XXXX ) credit Bureaus and was unable to resolve and dispute addresses, phone numbers and some of the instruments that were on my report. Some of these items still remains today ; All Phone numbers except for ; XXXX All Addresses except for ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The persons who committed the larceny to all my information which include ; XXXX. Passport XXXX. Drivers License and other important docs, they did not get my Emails. 

When I reached out to the Bureaus to make the complaint and lock my credit I was unable to find the supporting information. I have found the supporting documents and i am hoping this will help with my journey back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
In XXXX of 2023 I mailed off requests to validate or prove ownership of the accounts the company has put on my credit report and havent received those.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax problem from previous complaint, that all 3 burueus we're showing XXXX XXXX {$120.00} past due, not paid. I mailed them all in receipt showing paid, just so they'd update paid in full. Not completely remove it, and Equifax customer service person said now I don't have a Equifax score, they also took off a repo car that was only a 2yr old dept. Causing me to have a XXXX score, can't qualify for apartment, they all run through Equifax. They wouldn't transfer to supervisor, said no such dept, or escalation dept. Said if I want a score and those depts put back to contact those company 's and have them add it back to credit.i doubt they can do that and car company I don't know the info to call as they shut down after covid. My XXXX score is XXXX XXXX XXXX so how am I a XXXX or no score with Equifax. They were rude, unhelpful. I rent a room so I have no bills in my name, and my past dept even though not good at least registered a score, and they say they can't undo or add it back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX and Equifax are reporting false information about an account with XXXX XXXX. They are reporting that there is a late payment on the account which is false and is properly reporting on XXXX. This is a violation of 15 USC 1681, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I demand proper compensation for the violations of my rights as a consumer, the harm that this information has caused me, and the missed opportunities of this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Logged into my online portal. 

shows " Your funds are currently not available for withdrawal. Please call us at XXXX. '' Called them 3 times but no-one is able to help resolve this. 

I can't access my money in accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CA

Complaint narrative:
Under the Fair Credit Act 15 USC 1681 codes ( a-J ) I have a right to a fair and accurate reporting of my credit. 
XXXX and TRANSUNION have continually vilolated my rights and continuaally report inaccurate and balatant fraudualnt info on my report. I have sent the FTC ID theft Affidavit report back in XXXX of XXXX  to report of the errors along with settement notices of XXXX data breach that involved my name. 
XXXX and Transuinion still shows adresses that are not mine nor have I ever lived anywhere near these addresses. 

Transuinon has the adresses of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ND and XXXX XXXX, ca XXXX. 

XXXX has XXXX XXXX XXXX, XXXX, ND XXXX The account XXXX  XXXX the account wasn't verified because XXXX doesn't have this account with my address this account is at an unknown address and XXXX and TRANSUNION has lied saying they verified. 
XXXX XXXX account has been inputted again with a 4 different numbers for the same account. # XXXX # XXXX and this account was notified of ID theft back in XX/XX/2022. 
My name is XXXX XXXX but XXXX has refused to update my name and is still showing fraudualnt names. 
XXXX XXXX XXXX is not my name. 
Iwant these accounts deleted a or compensate me for my traumatized time I have tried to rectify theses violations of my consumer rights! 
I have attached the a copy of the FTC affidavit I have filed with them in XXXX along with my XXXX data breach notice along the a new Affidavit To show proof of two diiferent numbers for the same account. 
I have also attached acopy of my credit report to show poof of blatant inaccurate errors on my report.

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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX issued check # XXXX to XXXX XXXX for " XXXX '' written as " XXXX & XXXX/XXXX '' for an employee bonus, with the check being written from my business checking account. 

On XX/XX/XXXX, when my accountant was closing out my books in preparation for the XXXX  Tax season, and noticed funds did not add up. After reviewing all checks, it was found that check # XXXX issues to XXXX XXXX had been altered by {$900.00}. I reached out to my bank, XXXX XXXX  at XXXX Settlers XXXX XXXX, XXXX, VA XXXX, and asked for a copy of the deposit for the check and found that the amount on check # XXXX was changed to " XXXX '' and the written amount was changed to " XXXX XXXX & XXXX/XXXX ''. The check was deposited through " edeposits '' with Navy Federal Credit Union at XXXX, XXXX XXXX, XXXX VA XXXX  on XX/XX/XXXXXXXX  at XXXX. The deposit slip has the employees written name on the back of the check and his signature below it. 

My bank told me to " Here you go! I would suggest you file a police report or check with Navy Fed '', so I filed a police report sometime around XXXX of XXXX  when I had time to catch up on all administrative tasks I was behind on. I am still waiting to hear back from the police report. 

On XX/XX/XXXX, I contacted Navy Federal Credit Union 's customer service, explained the situation, and was told my bank needed to issue a " hold harmless '' letter to Navy Federal for them to be willing to investigate it. It appears like this is something my bank may not be willing to do, and without it, Navy Federal said they can not look into it. 

I have copies of the check deposited, the carbon copy, the police report, the emails, and proof he altered it and signed/deposited it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WV

Complaint narrative:
Limited XXXX PSLF waiver for qualifiing payments could count paid on them or was on IDR those years and they wont count them as qualifying payments. They will only count my current employment of government from XXXX-current. They refuse to count any previous payment regardless of status it were in as it reads. Can you please help very misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Commercial Acceptance bought my SSN and DOB, ILLEGALLY FROM XXXX XXXX WITHOUTH MY KNOWLEDGE NOR CONSENT. AND THEN USED STOLEN MY PERSONAL IDENTITY TO PLACE A DEBT COLLECTION ON MY CONSUMER REPORT. FURTHERMORE, THEY SOLD MY PERSONAL IDENTITY IDENTIFIERS TO XXXX XXXX. THEY PURCHASED MY INFO BACK AND THEN PLACED THE SAME DEBT WITH MORE INTEREST ONTO MY CREDIT PROFILE. I WANT THE CFPB TO PROSECUTE COMMERCIAL ACCEPTANCE FOR VIOLATING UNFAIR PRACTICES IN COMMERCE AND FOR IDENTITY THEFT, AND SELLING MY IDENTITY to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I have been dealing with this XXXX XXXX issue since the beginning of XXXX. I received mobile devices and immediately returned them and XXXX XXXX confirmed this. I never opened the devices either. I have constantly received text messages from XXXX XXXX about owing them money. Every time I call them they say they have resolved the issue and they see I never activated the lines, I returned the phones ( because I couldn't port the numbers over from XXXX ), and now as of XX/XX/, I received a collections letter from XXXX ( XXXX XXXX XXXX ) and I contacted them at XXXX, they told me that they needed proof that I returned the phones because XXXX XXXX reported to them that I did not return the phones. I immediately called XXXX XXXX back and was told that I did not have a balance due and they do not show that I have an active account. I gave them all of the information regarding the collection company and also explained that when I log in to my account it still shows I have a balance on an XXXX  mobile account. I have asked for a manager on numerous occasions and I am always told this is resolved. I want this taken off of my credit immediately, I want an explanation of why this was erroneously reported and I also want compensation for this issue as it has caused me a great deal of time and frustration. I called back today and was transferred 4 times and then hung up on. XXXX has never sent me anything in writing at all in the mail. XXXX XXXX has never notified me in writing at all via mail correspondence. They have only sent text messages and I have responded via a phone call or chat to every one of them. No one at XXXX XXXX seems to know what they are doing. I looked at the XXXX XXXX account online today and it shows a report of the return, then it shows a damage charge, Again I NEVER opened the phones, how could they be damaged? I also was NEVER notified. My account which should have not existed was erroneously and wrongfully sent to XXXX XXXX XXXX and they are refusing to accept a dispute at all and want me to supply proof of the return which XXXX fails to provide other than via an email and no one from XXXX XXXX will contact XXXX, they will only transfer me to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had a mortgage with Wells Fargo for years. During Covid, I was contacted about pausing mortgage payments due to the economic conditions during the pandemic. I asked if it would in any way add to my payments and I was told emphatically, " no ''. I asked numerous ways to make sure I had a clear understanding. I was told that basically my payments would stop and then after the government/banks figured out what was going on in the economy my payments would start again. As an example, if my mortgage balance was XXXX when I paused payments, it would remain XXXX when I started again. I called no less than 5 times during Covid to reiterate that what I believed was correct. I was told various degrees of " well, we will have to wait to see but it will not increase your payment at all. '' When I did resume payments, I was told that the $ XXXX in payments I had not made yet were now at the end of my loan but " not to worry as Wells wasn't charging any interest on that. '' I am college educated and was very lucid in my questioning. Now, it seems that they want me to pay this back when logically there is nothing to pay back if it was truly " paused '' which is what I was told more than a dozen times. I don't think this is right and with Wells being fined more than {$2.00} Billion, they have shown they are not doing honest business with people. I am sure they took government handouts during Covid but still took it on themselves to XXXX  people.

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 2023-09-05 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: CA

Complaint narrative:
Transunion and XXXX are reporting false information about an account with XXXX XXXX. They are reporting that there is a late payment on the account which is false and is properly reporting on XXXX. This is a violation of 15 USC 1681, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I demand proper compensation for the violations of my rights as a consumer, the harm that this information has caused me, and the missed opportunities of this false reporting.

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 2023-09-05 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: CA

Complaint narrative:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: CA

Complaint narrative:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -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