vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Ive been a veteran since XX/XX/XXXX. I receive XXXX XXXXXXXX compensation. And I been receiving XXXX since XX/XX/XXXX. Ive been unemployable since XXXX, so any benefits received in my name is government protected. Well XXXX XXXX been taking unauthorized payments for credit card debt and car loan debt, that was late, for 6 years now. 

They recently took a family members amended tax return that came to my account to pay my debt in full. 
The family member had no access to my account for over 5 yrs. But the return went there, in their name because that was where their original return went back in XXXX. Because that was their only account at the time. So even though the member was no longer on the account, or had access to the account, navy federal used their money to pay off my debt, now leaving me responsible to pay them back. What made it so bad is that the credit card was closed back in XXXX of XXXX and was in collections as written off. 
Navy federal sent a settlement for both debts, for a fraction of the cost of the debt, the same day the money cleared, in garnished the full account of both debts before I ever seen the emails. 

They took {$14.00}, XXXX of someone elses money. This was XXXX XXXX. I got contacted by the IRS and the bank who sent it on XXXX XXXX requesting I return it. Navy federal had done this, in never even took the time to contact me about this debt being paid in full. After talking to several representatives, they refuse to return the money to the bank that sent it. They claimed it didnt matter that the member was no longer on the account. Or that the ACH deposit wasnt in my name. It came to my account so they have the right to take it. Honestly, I believe navy federal took it because they saw it was a family member. Because any ACH deposit sent to the wrong account should be returned. Especially if they name doesnt show up on the account the money is being sent too. The owner of those funds been removed from acct ending in XXXX long before now.. They even opened up their own account with navy federal. Navy federal has contact with owner of funds. And could have reached out to verify funds sent to wrong account. So the department that processed the transaction, linked us together in justified using their funds to pay my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: NV

Complaint narrative:
I reviewed my credit reports and noticed there was fraudulent activity. Here is the unauthorized accounts : XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX - XXXX XXXX - XXXX ACCT BALANCE {$150.00} Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have reached out to this creditor and theyve all said they dont even recognize my information given in their system and that theyll remove the credit lines off my report but they still there. This all is a violation of the Fair Credit Reporting Act, and any item appearing on my credit report that has no proper verification or evidence provided to me alleging these accounts belong to me, is illegal. I am enforcing credit laws 605B and 1681B, do your due diligence, send debt validation with original docs of agreement with identity proof that " that was me. So in the end, y'all can remove these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: NV

Complaint narrative:
I reviewed my credit reports and noticed there was fraudulent activity. Here is the unauthorized accounts : XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX - XXXX XXXX - XXXX ACCT BALANCE {$150.00} Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have reached out to this creditor and theyve all said they dont even recognize my information given in their system and that theyll remove the credit lines off my report but they still there. This all is a violation of the Fair Credit Reporting Act, and any item appearing on my credit report that has no proper verification or evidence provided to me alleging these accounts belong to me, is illegal. I am enforcing credit laws 605B and 1681B, do your due diligence, send debt validation with original docs of agreement with identity proof that " that was me. So in the end, y'all can remove these fraudulent accounts.

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 2023-11-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit but nothing in my report is benefiting me or my credit standing, if anything it is harming my reputation, defamation of character, and capacity. Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Experian is reporting an account without having done an initial investigation. 
An account with the name " XXXX XXXX XXXX '' is reporting on my consumer report. This account is inaccurate. This organization never had my permission to report on my consumer report. Who did they investigate? This is damaging my report and reputation as a consumer. 15 USC 1681a ( 2 ) ( A ) ( i ). I am requesting this account be removed immediately!

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 2023-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
I stopped paying my XXXX phone bill, due to non usage of the phone. I told XXXX that the phone had suffered damage and that I havent been able to use it correctly. This was back in XXXX of 2023. They wanted me to pay {$270.00} dollars, so I told them to cancel my monthly plan, that I wasnt staying with the company anymore. Well fast forward to today, they are still charging me. I have no desire to pay them, especially if I told them that after 6 years being with them, that I no longer wanted service provided by them anymore. That phone bill is too high, on top of that you are charging me for a service Im NOT using, for a broken phone. The the audacity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: NJ

Complaint narrative:
My mortgage was transferred during Covid to XXXX mortgage service from XXXX during Covid. I was initially placed on forbearance, and when the forbearance was over, XXXX put me on scheduled payments. I paid every payment either early or on time. The first payment was due in XXXX. Once I was given the amount, I paid it early in XXXX. XXXX reported it 60, 90, and 120 days late, although it was never late, paid early, or on time ( see attached documentation ). I sent documentation to Experian verifying this, but they have not removed it. I have never been late. I was under COVID-19 protection once over ; I immediately resumed payments. I have been dealing with them for over two years.

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 2023-11-25 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of fair credit reporting act. 15 USC Code 1681s- 2 section F reporting infomation during Covid 19 ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

the covered period started XX/XX/XXXX and ends XXXX after the XX/XX/XXXX and late payments were being reported during the covered accommodation period.

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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below.

I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 ( F ) Reporting information that does not belong to me- Please remove immediately * Please add a Promotional Suppression to my credit file. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Consumer Protection Financial Bureau RE : Noted SLS Loan # XXXX Dear Consumer Protection Financial Bureau, I am writing regarding Specialized Loan Services false, fraudulent, and predatory services located at the below address : Specialized Loan Servicing ( SLS ) XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, CO XXXX SLS XXXX XXXX XXXX XXXX CO XXXX Please note the following : 1. I disputed the validity of the above loan three times. Specialized Loan Services in their predatory manner never provided documentation to verify : 1 ) they owned the debt, 2 ) debt was not discharged in US bankruptcy, and 3 ) debt was not unsecured. 
2. I owned property at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. SLS claimed they owned a lien on the property. 
4. Specialized Loan Services in its predatory manner claimed I owned over {$220000.00} which it never verified. 
5. Second lien on the property was held by XXXX ( see attached statement ). 
6. On XX/XX/2012 Honorable US Bankruptcy Court Judge for the District of Maryland Ordered lien was deemed wholly unsecured. Reference Order Motion to Avoid Lien Pursuant to 11 USC Section 506.

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 2023-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I believe the account is invalid. PARAGON REVENUE GROUP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. PARAGON REV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I do not know why I have so many inquiries - I DID not authorize all of these please remove these inquiries from my credit report i have custody of my XXXX XXXX  and i am desperately trying to buy a home

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 2023-11-25 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: MD

Complaint narrative:
XXXX billed me {$26.00} per month without my approval, nor authorization to use my card. 
XXXX failed to refund my {$180.00} for an account / program I never authorized. 

Second, XXXX failed to remove inaccurate information : 1 ) XXXX  - I verified accounted has been paid ontime. 
2 ) XXXX XXXX - XXXX has not provided valid and legible documentation, despite three disputes, that Student Loans are 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 non-monetary relief
Consumer complaint received 2023-11-25 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: MD

Complaint narrative:
XXXX billed me {$26.00} per month without my approval, nor authorization to use my card. 
XXXX failed to refund my {$180.00} for an account / program I never authorized. 

Second, XXXX failed to remove inaccurate information : 1 ) XXXX  - I verified accounted has been paid ontime. 
2 ) XXXX XXXX - XXXX has not provided valid and legible documentation, despite three disputes, that Student Loans are my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

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 2023-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
In early XXXX, I received a summons from the company Selip & Stylianou ( on behalf of XXXX XXXX  ) for an amount owed of over {$12000.00} for a credit card opened in XX/XX/XXXX. I called XXXX to dispute the matter and was told that since they have a third party handling my account, I would have to go through them ( Selip & Stylianou ). I have since filed a dispute of the charges and filed a victim fraud claim with Selip & Stylianou, and as of this time awaiting to hear their investigation result. I have also filed a dispute of credit card report to XXXX and on XX/XX/XXXX received a letter stating a complete investigation which verified the accuracy of the credit score, upon which I called XXXX and was advised to file further disputes through FTC. 

I contend that I am a victim of fraud and I did not open this credit card account with XXXX. I was unaware of any activity associated with the XXXXXXXX XXXX in question and I was not sent any credit statements or late payment warnings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: OH

Complaint narrative:
On or about XX/XX/2023, I received a XXXX XXXX XXXX XXXX XXXX. Upon receipt, to understand the depth of the alert, I contacted a XXXX customer service representative. In an application for a consumer loan, the representative noted that personally identifying information was used. Shortly thereafter, the following additional XXXX XXXX XXXX ( and Dark Web ) alerts were identified ; i.e., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, to determine if there were possible fraudulent activities, within other consumer reports, additional suspect accounts and collections were observed. As the result of the XXXX XXXX XXXX ( XXXX ) breach, an XXXX breach, and most recently the XXXX XXXX  XXXX data breach ; the prevailing belief is that my personal data has been compromised. Moreover, personal data is being used to open and or maintain fraudulent consumer data. 

Subsequently, I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains therein ( see list below ). U.S. Code 1681c-2 compels a Consumer Reporting Agency ( CRA ) to block collection activity the consumer identified as information associated with ( or resulted in ) alleged identity theft. As a reported victim of identity theft, in violation of the above code, your organization has legal culpability. For instance, under U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), consumer reporting agencies may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. To date, I have NEVER given or afforded any Consumer Reporting Agency, or any such entity WRITTEN CONSENT to report or furnish personal consumer data. Thus, as identified, the following items constitute violations of federally protected rights.

The following attachments and letters to consumer credit reporting agencies are submitted for review.

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 2023-11-25 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of fair credit reporting act. 15 USC Code 1681s- 2 section F reporting infomation during Covid 19 ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

the covered period started XXXX XXXX XXXX  and ends XXXX after the XX/XX/XXXXXXXX  and late payments were being reported during the covered accommodation period.

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 2023-11-25 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: MO

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of fair credit reporting act. 15 USC Code 1681s- 2 section F reporting infomation during Covid 19 ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

the covered period started XX/XX/XXXX and ends XXXX after the XX/XX/XXXX and late payments were being reported during the covered accommodation period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We opened a XXXX saving account with Capital One with a promote code XXXX. If we deposit {$20000.00} with in 15 days we will receive {$300.00} dollars bonus. 
After opened the account we deposited {$1000.00} and contact Capital One 360 Saving to confirm the bonus of {$300.00} before we deposit {$20.00}, 000, and Capital One 360 Saving denied the bonus. So we decided to close the account. 
On XX/XX/2023, we withdrew by making a transfer of {$1000.00} from our Capital One 360 Saving to our XXXX XXXX XXXXXXXX account ( the account is already in Capital One 360 Saving record ) in order to close the Capital One 360 Saving account. But the Capital One refused for us to withdraw and transfer our money back to our XXXX XXXX XXXXXXXX account. 
On XX/XX/2023, we contact Capital One 360 Saving to request the withdraw/ transfer, Capital One 360 Saving still refuse to pay us.

Company response to consumer: Closed with explanation