vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have never been presented with any affidavit that would provide validity to this assessment, and its my understanding and belief that no such paperwork exists. Every account noted has failed to provide complete accounting of charges from records of all accounts. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Experian have failed to delete even though the alleged creditors have failed. 15 usc 1692g HARD INQUIRES EXPERIAN XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX, XXXXRemoval date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00}. 
XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CT

Complaint narrative:
In accordance with the fair vredit reporting act XXXX Account # XXXX, has volited my rights. 

15 USC 1681 section 602 states i have right to privacy 15 USC 1681 Section 604 A section 2 : it also states consumer reporting agency can not furnish a account with my written instructions.

15USC 1668B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XX/XX/XXXX my stepson who was also one of our employees was found dead in one of our work furnished apartments. 
We helped him purchase a truck with down payment money in XXXX. 
After a few days of his passing we called Ally to let them know what happened and we were asked if we would assume the loan which we said yes. Payments were current. 
After a couple of weeks my wife called them again to set up auto draft which we didnt know they never did. We gave them our information and thought everything was resolved. 
We didnt balance our checking accounts as we dont live outside of our financial means. 
My wife would spend hours on hold, get run around from department to department only to get hung up on being transferred. 
We made 2 payments and after the two payments they continued to try and auto draft the payment when they were told he was deceased. We didnt know this because we were not getting the mail. 
We got a message from his aunt saying someone was looking for him ( deceased ) and his truck. The truck is in a secure location. 
Our attorney advised us not to pay it off at first and make the payments which we did. 
Since this is all he had and only XXXX XXXX XXXX there is no will, trust or estate. Our attorney calls Ally and they kept repeating we cant give you legal advice. He said I dont need that I need the payoff so we can send the payment. They wouldnt do that. 
They said we need to set up an estate. Attorney which we furnished his info said there is no reason to set up estate. 
We get the payoff after I sent them a check for XXXX which they cashed. They told our source that we owe them XXXX and I sent XXXX for dollars which they cashed. 
They still refuse to talk to us, our attorney and have XXXX dollars for the complete amount owed. 
So someone suggested we reach out to CFPB. 
Please help.

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 2023-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
XX/XX/XXXX this complaint is against GOOGLE.COM My name is XXXX XXXX. I am the only XXXX XXXX in the XXXX. Sometime ago I created a gmail account in my name ... XXXX and a business XXXX account ... XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX and my real phone number is ( XXXX ) XXXX. 


Unfortunately I had both of these accounts stolen ( hacked ) and a phony google voice telephone number ( XXXX ) XXXX opened in my name. 

Because the business email is the recovery email for my personal XXXX  account and because the confirmation phone number was changed in my personal account all my attempts to recover the account have been in vain. Recovery confirmations are sent to the recovery email, which is hacked ... or to the fake google phone number in my name using the hacked XXXX account. 

The results of this identity theft began with the theft of {$100000.00} XXXX XXXXXXXX XXXX and a {$15000.00} hack at XXXX in the year XXXX and has continued relentlessly until today. 

Nothing I can do will get Google to fix this, making then co-conspirators in these and may more thefts! Most recently a {$5400.00} theft at XXXX XXXX  XXXX and a hack of my XXXX account resulting in items purchased by a hacker and charged to my account and the resetting of my current email to the hacked ... XXXX. 

But all that is just the beginning... Unaware by me until very recently when i tried to open a new bank account ... since XXXX, some 30 new bank account openings have been recorded at XXXXXXXX XXXX in my name using the phony credentials. And XXXX XXXX has not been able to reverse many of these entries since the banks have not disavowed the account opening attempts. I do not know if these accounts were opened and my stolen identity was used for some money laundering acts or whatever. 

Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: KS

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXXXXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: VA

Complaint narrative:
Ive been a victim of identity theft and someone who stolen my identity apply for a XXXX account for the amount of {$2100.00} that account is fraud I never apply for that cellular company, the action that was taken was go tot the police department and file a identity theft report and a federal trade commission report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX. This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, XXXX XXXX TRANSUNION ARE ALL REPORTING INFORMATION THAT I DID NOT CONSENT TO PURSUANT TO 15 USC 1681 ( A ) ( 3 ). I WAS NEVER CONTACTED OR GIVEN THE RIGHT TO VERIFY OR CONFIRM THE ITEMS THAT ARE BEING REPORTED IS IN FACT ACCURATE. MY RIGHTS HAVE BEEN VIOLATED PURSUANT TO15 USC 1681 ( A ) ( 4 ) .THE FOLLOWING ACCOUNTS HAVE VIOLATED MY CONSUMER RIGHTS : XXXXXXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX. DEPT OF ED/XXXX ACCT # XXXX. ALL INQUIRIES WERE NOT AUTHORIZED BY ME AND WOULD LIKE FOR THEM TO REMOVED AND BLOCK.

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 2023-03-15 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: NY

Complaint narrative:
XXXX, EQUIFAX XXXX XXXX ARE ALL REPORTING INFORMATION THAT I DID NOT CONSENT TO PURSUANT TO 15 USC 1681 ( A ) ( 3 ). I WAS NEVER CONTACTED OR GIVEN THE RIGHT TO VERIFY OR CONFIRM THE ITEMS THAT ARE BEING REPORTED IS IN FACT ACCURATE. MY RIGHTS HAVE BEEN VIOLATED PURSUANT TO15 USC 1681 ( A ) ( 4 ) .THE FOLLOWING ACCOUNTS HAVE VIOLATED MY CONSUMER RIGHTS : XXXX XXXXXXXX XXXX # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. DEPT OF ED/XXXX ACCT # XXXX. ALL INQUIRIES WERE NOT AUTHORIZED BY ME AND WOULD LIKE FOR THEM TO REMOVED AND BLOCK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Kikoff Inc.
State: ME

Complaint narrative:
I previuosly requested a late payment be removed from my credit report that occurred during covid. On XXXX XXXX, I received an email from XXXX XXXX who did not identify herself in the email and stated that they were not removing the late payment. After receiving the email, I checked my credit report and notice 2 accounts with KIK OFF lending. I found that both accounts reported late payments in XXXX and XXXXXXXX XXXX XXXX. This is where I get confused because I don't recall having two different accounts with KIK OFF. My main complaint here is the second account that is opened and the two late payments that occurred during Covid 19 which is a natural disaster and late payments from my understanding were not to be reported during this time. I am requesting that KIK OFF lending provide proof of late payments and ownership of both accounts. These two late payments have been damaging to my credit and character as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I have 18 months of mortagage relief payments from the Homeowners Assistance Fund and Flagstar Bank is behind in applying 3 months of my payments from XXXX to XXXX. {$3400.00} is the exact amount currently not applied to my mortgage payments. I have received notices from Flagstar for loss mitigation and even after contacting they still havent applied payments.

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 2023-03-15 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: PA

Complaint narrative:
As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, Equifax and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. -Sent dispute letters XX/XX/XXXX and still have errors on my report. 15 USC 1666b late payments from open ended credit plans cant be reported. -Dispute was to remove the late payment which wasn't late but still have not fixed it. 15 USC 1681 ( B ) must have written permission to furnish on my behalf. -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. -Have n't been able to purchase a house due to error on my consumer report. 15 USC 1681 ( a ) ( 4 ) right to privacy. -Did not give consent to repost items to consumer report. 15 USC 1681 ( b ) must follow reasonable procedures. -Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. -Items was reported that i used my social to obtain. 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: PA

Complaint narrative:
As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, XXXX and Experian. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. -Sent dispute letters XX/XX/XXXX and still have errors on my report. 15 USC 1666b late payments from open ended credit plans cant be reported. -Dispute was to remove the late payment which wasn't late but still have not fixed it. 15 USC 1681 ( B ) must have written permission to furnish on my behalf. -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. -Have n't been able to purchase a house due to error on my consumer report. 15 USC 1681 ( a ) ( 4 ) right to privacy. -Did not give consent to repost items to consumer report. 15 USC 1681 ( b ) must follow reasonable procedures. -Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. -Items was reported that i used my social to obtain. 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.

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 2023-03-16 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: NV

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 non-monetary relief
Consumer complaint received 2023-03-16 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: NV

Complaint narrative:
I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1500.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I have been harassed by and on behalf on World Acceptance Corporation every 2-3 years for nearly 6 years. The account associated with World Acceptance Corporation was a result of Identity Theft and I have tried to resolve this matter on several occasions since XXXX. 

In XXXX, I sent World Acceptance Corporation a copy of the police report and Identity Theft Affidavit as a resolution. No actions were taken by World Acceptance Corporation, neither did I ever receive an acknowledgment of their acceptance of my correspondence. 

On XX/XX/XXXX, I escalated this issue and I filed a complaint with the Consumer Financial Protection Bureau against World Acceptance Corporation. At that time, the Compliance Manager of World Acceptance Corporation, XXXX XXXX, verified that the account was indeed fraud and that it would be removed from my credit report in 30 days. 

On XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of World Acceptance Corporation. 

On XX/XX/XXXX, I received yet another phone call from a debt collection agency, XXXX, attempting to collect a debt on behalf of World Acceptance Corporation. 

Per the Fair Debt Collection Practice Act, the harassment Ive continuously received is in violation and I am seeking financial compensation.

Company response to consumer: Closed with explanation