vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Received email with a 1099C ( Cancellation of Debt ) form that was filed with the IRS. I have never heard about this company, Enova International, or ever took a loan out with them. Debt is for {$1400.00} dollars. Have called them every day since I received the email with no response or have the phone calls been answered. Waiting on Sheriff 's office to file a report of Identity Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
MoneyLion violates the XXXX in numerous ways. MoneyLion fails to identify covered borrowers and comply with multiple provisions of XXXX. 

Secondary to this, MoneyLion violates FCRA by continually reporting charged off loan as late payment which has an additional negative impact to credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CARS Acquisition, LLC
State: SC

Complaint narrative:
On or abouXXXX XXXX/2024, I reached out to all three credit bureaus ( XXXX, XXXX, XXXX ) to dispute inaccurate information on my credit report. Upon me providing them verification they advised that my information provided was incorrect. In addition, several accounts on my credit report is not my information to include, education loans, previous addressed, cell phone vendors account, previous educational institutions. Lastly, there are several inquiries on my account for auto dealerships that I have never applied to all of which I have requested to be removed and the creditors fail to do so and take my information and update the records to reflect the information I gave so as to insinuate that the collections on the account are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
In 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 ) states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have an account with XXXX bank and I initiated 6 wire transfers through XXXX Bank during the period XXXX XXXX. On XXXX wired {$66000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX PNC Bank National Association . Bank address- XXXX XXXX  XXXX, XXXX XXXX NJ XXXX Account number XXXX Routing number XXXX Chase claim number XXXX XXXX The above money was wired by me to this fraudulent account through a XXXX scam. I already complained to XXXX XXXX XXXX to follow up with PNC Bank National Association to recall this wire. Despite numerous attempts, PNC Bank didn't respond i Pls see XXXX bank 's response when i raised a CFPB complaint to respond to all the wire recalls. 

We initiated a wire recall request to PNC Bank for {$66000.00}. We sent a follow-up request on XX/XX/XXXX, and did not receive a response. We sent another follow-up request on XX/XX/XXXX, but there have been no further responses received. Appreciate if you could work with PNC Bank promptly to assist with this process so we don't delay any further the wire recall process and we end up not having any funds in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.5136 XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am nearing my XXXX payments for student loan forgiveness through MOHELA. 
MOHELA placed me on forbearance for my student loan in XXXX and they are now not counting it This payment should count as they are the ones who placed me on forbearance. Now they are asking that I pay for XXXX, and then re-upload my employment verification. 
Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: MA

Complaint narrative:
The complaint I originally filed is not connecting to my account to view the companies response. Please help. 
COMPLAINT ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Identity Theft, I saw lots of people 's information, credit card or acct information got stolen or maybe got sold to someone else on social media. All Transaction are out of state in TX and out of county in 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 monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I believe the account is invalid. CAPITAL ONE 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. CAPITAL ONE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: Exeter Finance, LLC.
State: DC

Complaint narrative:
I complained to Exeter Finance LLC multiple times stating that I am a victim of identity theft I even sent out letters multiple times without getting a response they have yet to remove the negative report that's heavily impacting my credit nor did they get back to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: VA

Complaint narrative:
I found an account on my profile that does not belong to me.

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 2024-02-12 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX XXXX  I had {$1700.00} in my Credit Karma account. On XXXX XXXX it showed all {$1700.00} was withdrawn and transferred to something called XXXX XXXX Naturally neither company will help : Credit Karma let the money disappear from my account and whoever opened the account with XXXX, never used any of my information and stole it on XX/XX/XXXX. Now that the money is gone, Credit Karma has closed my account and will not talk to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2024, I learned that an address I did not enter or authorize was on my XXXX credit report. 

XX/XX/2024 XXXX informed me of fraudulent activity. Closed account and issued a new card. 
XX/XX/2024 I learned an XXXX online membership account was created. Not authorized by me. 
XX/XX/2024 Credit monitoring system informed me of hard inquiry on my TransUnion. Not authorized by me. 
XX/XX/2024 I learned a phone number was added to my TransUnion credit report. Not authorized by me. 
XX/XX/2024 Credit monitory system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed & text that I applied for multiple accounts. Not authorized by me. 
XX/XX/2024 XXXX called if I applied for a XXXX XXXX credit. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX XXXX informed me of application for loan. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2024, I learned that an address I did not enter or authorize was on my XXXX credit report. 

XX/XX/2024 XXXX informed me of fraudulent activity. Closed account and issued a new card. 
XX/XX/2024 I learned an XXXX online membership account was created. Not authorized by me. 
XX/XX/2024 Credit monitoring system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 I learned a phone number was added to my XXXX credit report. Not authorized by me. 
XX/XX/2024 Credit monitory system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 XXXXXXXX XXXX emailed & text that I applied for multiple accounts. Not authorized by me. 
XX/XX/2024 XXXX called if I applied for a XXXX XXXX credit. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX XXXX informed me of application for loan. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed a check for {$250.00} to Ally Lending for a loan payment that was due XX/XX/XXXX. On the XXXX I received an email from them stating that they had not received payment and I was late. I called and made the payment over the phone. After that, they received and cashed the check. Since then I have also mailed in a payment for XXXX. I called and asked if I could skip the XXXX payment since I made XXXX payments in XXXX, and they said no. They said that even though I was fully paid through XX/XX/XXXX, if I did not make an additional payment in XXXX, they would mark my account as delinquent. It does not seem right to me that they could put my account in delinquent status when they also admit that I am fully paid up through that time. I think something should be done about this unethical business practice. I also was not notified that they had cashed the check, and if I had been on a tight budget, making XXXX payments during the time that I was only supposed to make one would have caused me a financial problem.

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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: UPGRADE, INC.
State: CA

Complaint narrative:
XXXX  I was quoted {$25000.00} to paint my house and after saying no, they changed the amount to {$22000.00} and then changed the amount to {$11000.00}. 
XXXXXXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XXXX ) is the company that made the quotes and keeps changing the quote amount to paint the house. 
I was originally told that this was a government rebate loan and that the government would repay the loan to the construction company. I inquired how this loan would be repaid and on another call, I was told that the government would pay {$10000.00} and I would pay {$11000.00}. 

At this point I have no idea how much I owe on this loan and the loan company : Upgrade Financial Services says that I am behind {$11000.00} since XX/XX/year>. This was done via text message and no formal documentation has been sent to me regarding this loan or the amount I owe. 
I tried to cancel the project, but they brought in more workers to rush and finish the job. 

I asked how do I pay the principal down and I was told I had to pay the interest first. I was told it would take 180 months at $ XXXX to pay this loan off. 

I am XXXX XXXX XXXX and am a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information that has been reported on my credit report. Upon reviewing my credit report on XX/XX/2024, I have identified several accounts that contain inaccurate information, which is adversely affecting my credit score and financial well-being. 

I have attempted to resolve these issues through the factual dispute method provided by your bureau, but unfortunately, the inaccuracies persist. Therefore, I am escalating my complaint to seek resolution through your Consumer Financial Protection Bureau ( CFPB ) complaint process. 

Below are the specific inaccuracies that I have identified on my credit report : XXXX XXXX XXXX - Acct # XXXX ( Inaccurate open dates ) XXXX XXXX  - Acct # XXXX ( Inaccurate date opened & date of last payment XXXX XXXX XXXX Acct # XXXX ( Inaccurate date opened, High Credit, Credit limit date of last payment ) XXXX XXXX - Acct XXXX XXXX ( Date of last active and date of last payment ) XXXX - Acct # XXXX ( Date Opened, Number of Months, Date of last active, date of last payment ) Despite my repeated attempts to rectify these inaccuracies, they remain unresolved. I urge you to investigate these matters promptly and take appropriate action to correct the erroneous information on my credit report. 

To include, according to 15 USC 1681s- 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate. 

I have attached copies of relevant documents supporting my claims for your review and reference. 

Please provide me with a written response detailing the results of your investigation and any corrective actions taken to address the inaccuracies outlined above. 

Thank you for your attention to this matter. I look forward to a swift resolution of these issues.

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 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
Back in late XXXX  i had opened an account with XXXX XXXX  and was trying to use that account as a secondary bank. A couple weeks later i got a fraud alert stating transactions i wasnt making were going through my account. i got logged out my account and all and wasnt aware that XXXX closed my account so i thought i was all good when they stopped contacting me. now a company named MRS is trying to collect debt from me that i did not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am getting in touch with you because I have lost money being in my account opened in Coinbase. I have been subjected to fraudulent activities without any help from Coinbase. Despite my numerous calls and messages to Coinbase customer service and fraud department. Only my warning to XXXX  XXXX XXXX fraud department prevented even larger loss of my money. Coinbase tells that it uses robust security measures to protect its users from losing their funds or data to hackers. Unfortunately, I am the victims of Coinbases lack of security. 
Attached is a small portion of my long communication with Coinbase. 
Thus, I hope that you can help me to get my money back ( about {$6000.00} ). 
I am looking forward to hearing from you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to address discrepancies identified in my recent credit report. Upon thorough review, it has become apparent that there are several inaccuracies and unverified entries adversely affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to address discrepancies identified in my recent credit report. Upon thorough review, it has become apparent that there are several inaccuracies and unverified entries adversely affecting my credit score.

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 2024-02-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Personal statement and a known suspect used his name date of birth and address and Social Security number to fraudulently establish an account with medical revenue service debt collector are committing identity theft of a state registered when it misrepresents a XXXX XXXX  account as a cardholder personal identification as well as committing consumer fraud by legal fraud of its adhesion contract that violates public policy from which debt collector commits security fraud by conversion of a XXXX XXXX account card holder financial asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is an account on my report that does not belong to me.

Company response to consumer: Closed with non-monetary relief