vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
Receivable Performance at XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$1900.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company 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 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, 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:
Experian has defamed my character, breached my right to privacy and did not perform due diligence in conducting proper investigative reports to prevent identity theft and unauthorized use of my information. After many attempts of dispute, Experian has done nothing. 
Experian posted " potentially negative '' for all of my accounts in my report, even the ones that are in great standing. 
Experian shared my information without my consent, through soft and hard inquiries. 
I am the victim of identity theft and Experian has done nothing when I disputed them in the past. 
Experian breached my privacy which is an individual action pursuant 15 USC 1681a ( 4 ) My consumer report is not fair and equitable to me pursuant 15 USC 1681 because of Experian 's mistakes.

Experian reported transactions that were solely supposed to be between me and the one furnishing the report, an individual action pursuant to 15 USC 1681a ( 2 ).

Debt collectors can not falsely represent or implicate that they are vouched for, bonded by or affiliated with the United States, however Experian allowed these debt collectors to falsely furnish inaccurate information to intimidate me that they were vouched or bonded by the government : 1.United States Department of Education 2 . United States Department of Education/GLE 3. XXXX  XXXX  XXXX  4. XXXX  XXXX  XXXX  *when I called the United States Department of Education they told me that they are not debt collectors and that they should not be on my report *when I called the others on the list they told me that they don't have a current account with my name on it Experian still did not remove it The following debt collectors have taken my information without my consent or authorization and have furnished false reports alleging that I owe a debt violating my consumer rights pursuant 15 USC 1692c ( a ) and 15 USC 1692b ( 2 ) ; I don't owe these debts ; 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I have added documents with affidavits that I have sent to Experian as well as other supporting documents. 
Thank you.

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 2021-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm Inc at XXXX XXXX XXXX FL XXXX XXXX XXXX CA, XXXX has been sending me collection notices in the amount of {$100.00} and {$150.00} the collections have been reported as past due balances. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My personal information was compromised. However, creditors werent so polite to understand what took place and wouldnt remove it from 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 explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX  XXXX  3. XXXX  4. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX  XXXX  3. XXXX  4. 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 non-monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I have over 23 inquiries on my Equifax credit file, I want these inquiries removed they are fraud I have filed a FTC identity theft report, I do not recognize these inquiries, Equifax has failed to even help knowing I filed a FTC identity theft report about these inquiries please remove these inquiries off my credit report it is my right to dispute any wrong or fraudulent information in my credit report And please remove this fraud alert on my Equifax credit file I did not ask for this to be put on my report and I want it removed immediately, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am a victim of identity theft of the XXXX  hack in XXXX. Portfolio Recovery Associates has listed a collections on my credit file as of XX/XX/XXXX. I noticed this collections on my credit file as of XX/XX/XXXX. I am a victim of identity theft and I have involved law enforcement officials to assist with this matter. I have attempted to contact the company for assistance. I have never had an account with XXXX XXXX  XXXX  nor have I had one in the past. In addition I have asked for a debt validation with bearing my signature that this is my debt. I have not received one as of yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity/Wayfair at XXXX XXXX XXXX XXXX OH XXXX has been reporting a charge off in the amount {$5700.00} on my credit report. charge off has been reported as past due balance. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: SC

Complaint narrative:
On XX/XX/2021 I XXXX XXXX, I entered a consumer credit transaction online in which I was the original creditor and the seller with Carvana by providing my credit card ( license ). As I proceed online to further the transaction there is a down payment of {$37000.00}. Because there is a finance charge presented pursuant to 15 USC 1605 they can not take down payments because the finance charge is the sum of all charges. Once my credit card XXXX license ) was submitted there was a credit card transaction in progress. 18 USC 8 pursuant to 15 USC 1602 ( a ) ( I ) once the card is submitted all obligations in this credit card transactions are paid for.

In pursuant to 15 USC 1611 giving false or inaccurate information or fails to provide information is a violation to my consumer rights In pursuant to 15 USC 1640 ( 2 ) ( A ) ( i ), ( 2 ) ( B ) for violating, in the case of an individual action twice the amount of any finance charge in connection with the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: MI

Complaint narrative:
First of all I made several arrangements to pay my loan and was still being charged a {$30.00} dollar fee with out being explained that everytime I make payment arrangements that there would be a {$30.00} dollar late fee!!! Now I have made payment arrangements for the overdue amount and was told that I would not receive a debit on my account but the company as tryed to debit my account 3 times in one day!!! I also spoke to a representative this morning for {$60.00} dollars on the XXXX of XXXX!!! And they are still continuing to Harassing me!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to dispute the accuracy of acceptance Now on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since 2020. There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.

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 2021-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debtsy Holdings, Inc.
State: FL

Complaint narrative:
Debtsy inc at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX has been sending me collection notices in the amount of {$150.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Sent a affidavit of truth XX/XX/XXXX cease and desist 30 days pass never any communication with this bank account over {$62.00} that was fraudulent Identification on XXXX XXXX. Police reported XX/XX/XXXX XXXX XXXX is not responsible for such debt. Stated statue of limitations was violated per 15 USC 1692 ( a ) ( e ). according to 15 USC 1592,18 USC 8. Unfair Debt Practices phone was hung up twice once teller began to get upset with this matter asked to be transfer was given very unfair treatment. My contact information is accurate and in compliance as of this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying to dispute the accuracy of XXXX XXXX on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since XXXX There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been trying to dispute the accuracy of XXXX XXXX  on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since XXXX  There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.

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 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group
State: CA

Complaint narrative:
THE MOORE LAW GROUP after asking them multiple times for a proper debt validation they failed in all of them but they wanted to still pursue an invalidated debt so they decided to sue me without even giving me a proper servicing of a court summons  claiming and lying to the court that they served me on XX/XX/XXXX which is a total lie because at this time I had already moved out of state I moved on XX/XX/XXXX I can prove this with USPS mailing address change and/or paystubs.It looks like they just needed to serve someone before the 90 days would run out and they also wanted to pursue a default judgment in which they filed in court on XX/XX/XXXX asking the court for a default judgment to try and steal from me and garnish my wages without me even knowing about this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
XX/XX/2021, I went to my lender 's website to apply for the covid-19 forbearance that was still available. Afterwards when I was doing more research on what assistance I have available to me, I discovered that the forbearance offer ended on XXXX XXXX! They falsified the facts that it was still available by still offering the link to apply for it! That bit of information should have been on the forefront of important information that they would be relaying to their customers being the fact that they are a mortgage company. There was also a like offered at the same time next to the link I used that was labeled other assistance that I am unable to go back to since I already picked the forbearance link. 

This link should have been removed from being available XX/XX/XXXX, NOT XX/XX/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 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$900.00}, {$1200.00}, {$2600.00}, {$2300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently submitted a complaint because fraud inquires and an account was being reported on my credit report. The information included on the report has not been deleted. Please delete the inquiry for XXXX XXXX, XXXX XXXX & this XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX is the correct account name and address, I signed up for this card and purchased one item and paid it. Next month I didn't use card but Chase sent invoice for service charge of {$13.00}. I don't like service charges for having their card I paid the {$13.00} and wrote note on the invoice and also on my check to cancel the card. Evidently they didn't and sent another invoice for {$13.00} and have continued. 
I have written letters, sent notes but all I get is form note back saying they are investigating. They should cancel all service charges! 
Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: MD

Complaint narrative:
This company is reporting my account twice on my XXXX  report. They have different balances and payment information. I have only ever had one account with this company. I submitted a dispute with XXXX  but the company is saying that the information is correct. I sent a message to Lending Club and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc.
State: SC

Complaint narrative:
I purchased two kids bedroom sets on XX/XX/2021. Each set included several pieces that were discussed prior to the financing. After pickup of the bedroom sets I became aware that I did not get all the pieces in either set. I have attempted to get the store I purchased them from to correct the issue but have yet to resolve the issue. I currently have an outstanding finance charge for two incomplete bedroom 's sets. If I would have known that I was not getting all the pieces to these set I would have not gotten them. I've been told I am stuck with these bedroom sets and I have no clue what to do with two incomplete bedroom set that I now have to pay for. I also cancelled the delivery which a {$160.00} was suppose to be refunded to me. I have yet to be able to get this refund from Conn 's as of XX/XX/2021. I have been to the my local store which is XXXX SC now twice and have been denied my refund due to no cash in store. This seem very unreasonable and needs to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I was in the process of trying to settle a couple of debts that went into charge off status, once I contacted the companies I asked them for a deal of pay to delete. I was given the amount that they were willing to except and was told that once I paid the debt they would submit to the reporting credit bureaus to remove the account since they were the ones to have the debt placed. I was also told to write pay to delete on the money order or certified funds. I did all that was asked, now the companies don't even answer my calls nor do they respond to my letters

Company response to consumer: Closed with explanation