vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I decided that I want to pay both devices off and switch couriers to suit my financials after Covid. When I paid off the devices I have a receipt that states that The devices are paid off and my account is closed and also That I dont owe anything. But XXXX told me that they dont give out receipts when people pay off phones so I had to go in store and take a screenshot. When I switched couriers to XXXXXXXX XXXX for cheaper services on XX/XX/XXXX I had them for about 4 months or so. My wife bought me a new phone from another courier so now we no longer have XXXX we have the courier she got the phone from. The first letter I received was on XX/XX/XXXX saying that I owe a past due balance of {$600.00} and that my account is suspended for non payment. I started calling XXXX everyday and they couldnt even tell me how they came up with that amount and why am I receiving letter in XXXX if my account was paid off and closed in XXXX?. So I received another letter stating that I owe {$720.00} and my account been deactivated. So I started back calling XXXX  asking about the amount and they still couldnt tell me how I owe that amount. So generally speaking that it takes a phone company 4 months to cut off a phone line due to non payment? Why would I pay anything if For 1 I dont owe anything, for 2 I dont have the service with them, and for 3 account access was denied for me to even log on after I paid everything In full. Then threatens me to pay it or they will put the collection on my credit which they did. So the amount ended up being a collection on my credit and I disputed the debt because its not mine and it got deleted but came back with a different creditor. This collection has been taking a toll on my credit for way too long and the credit bureaus just keep saying that they validated the debt. I never missed any payment with XXXX I never had any late payment on my bill and I paid my devices off. This has to be a misunderstanding

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX  # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXXk # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
My wife lost her job during Covid and I asked for the Covid forbearance option. I have now filed bankruptcy and have tried numerous times to have my mortgage company amend or change any terms to continue to own my home, but they have now sold my loan multiple times and no one will respond. They are asking for me to pay the entire forbearance amount, with interest, all at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Unauthorized inquiry on my report from Capital one ( bank ) on XX/XX/2022 and XX/XX/2022. I called the company and tried resolving this issue but no actions were taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inquires below are not recognized on my credit report. 

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 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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have over 30 credit being reported on my personal credit reports. I have tried numerous times to get them removed. I've even hired credit repair agencies, still those 30+ unauthorized credit inquiries remain on my report. I pray the XXXX can assist in clearing these fraudulent inquiries off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Unauthorized inquiry reporting on XX/XX/2022. I tried resolving this issue with the company but no actions were taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
RE : Account Number XXXX Account Number XXXX Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


AMEX/CITIBANK , N.A. {$480.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$440.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$54000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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 explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX # XXXX ; XXXX  # XXXX ; XXXX XXXX XXXX  # XXXX & XXXX ; XXXX # XXXX ; XXXX XXXXl # XXXX ; XXXX  # XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX  # XXXX Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any 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 explanation
Consumer complaint received 2022-10-30 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/1995 Equifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Officer & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through arbitration. 
Again, I reject the arbitration clause in the Equifax interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address.

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: FL

Complaint narrative:
The inquires below are not recognized on my credit report. 

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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: World Acceptance Corporation
State: TN

Complaint narrative:
XXXX, World Finance Corp , submitted to CFBP on XX/XX/XXXX. 
The allegations of the complaint have been investigated. Protecting consumer information is of paramount importance to World. XXXX XXXX XXXX has submitted her drivers license and an ID Theft Report to World. World needs one more additional document in order to continue the investigation : XXXX. Signed Police Report stating ID Theft As such, our investigation will include, but not be limited to, contacting the issuing Police or Sherriffs Department to confirm their representation of the submitted materials. 
World Finance Corp, has been reporting fraudulent account information on my credit report for several years, and the loan accounts are identical accounts with account numbers are the exactly the same account numbers, dates accounted opened are 4 months difference date opened XX/XX/XXXX and date opened XX/XX/XXXX. 
WORLD FINANCE CORPORAT, {$430.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan WORLD FINANCE CORPORAT {$430.00} Closed Exceptional payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan I am requesting a copy of the credit application with signed signature for both accounts. The Fair Credit Reporting Act ( FCRA ) 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. Also, I have provided to World Finance Corp, FTC Identity theft affidavit, copy of driver 's license, and also provided them with the XXXXXXXX XXXX Police report number XXXX XXXXXXXX, XXXX Police XXXX. XXXX XXXX phone number XXXX XXXX XXXX, for police report information or to obtain a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX Inquired on XX/XX/2022 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 2022-10-31 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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:
Inquiries were made and attached to my credit file without my consent. I filed multiple disputes over the past months stating that these inquiries were made without my consent and they are acts of fraud. They will not remove the fraudulent inquires. This is causing my family and I great hardship. These are the fraudulent inquiries : Equifax Mortgage XX/XX/22. XXXX XXXX XXXX XX/XX/22 XX/XX/22. XXXX XXXXXX/XX/22. XXXX XX/XX/22 XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. 
XXXX. XXXX XXXX # XXXX XXXX. XXXX  : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. Section 602 A Section 2 : It also states, a consumer reporting agency can not furnish an 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 items of information other than records of convictions of crimes which antodates 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 2022-10-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DOB : XX/XX/1995 Experian Customer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Office & Experian Customer Services I recently purchased a copy of my Experian credit report through the Experian app, please use this letter as confirmation that I, XXXX XXXX XXXX XXXX XXXX herby Opt-Out and do not wish to resolve disputes with Experian through arbitration.

Again, I reject the arbitration clause in the Experian interactive service agreement. 
I also reject any other clauses that were not fully disclosed to me in the Experian interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Experian has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Experian has been prepared for Presentment to Experian, by me, XXXX XXXX XXXX XXXX XXXX a living and breathing man of sound mind and body.

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 2022-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inquires below are unknown inquires. 

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

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 2022-10-30 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
RE : Account Number XXXX Account Number XXXX Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX XXXX XXXX. {$480.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$440.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT ALLY FINANCIAL {$54000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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 explanation