vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LNVN Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LNVN Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LNVN Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LNVN Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/2022 I was contacted by someone claiming to be from XXXX who told me my computer was at serious risk. This person sent me a link to access my computer remotely and hacked my computer. This person placed an order with XXXX XXXX using my credit card to purchase an XXXX XXXX for XXXX. It was placed with an email account I m aware of and said the delivery was to my address. This person also stole the XXXX upon delivery because it was never received at my address. A claim was filed with XXXX who is unable to locate the package and has issued XXXX a claim. 

I am a XXXX XXXX who was the victim of a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: SC

Complaint narrative:
They are not answering to my calls and not replying to my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yes I am currently back in the state of California after being in a different state for years. I have been unemployed for several years since 2007 I believe. I feel that the possibility of Identity theft and also hacking of my personal accounts has been present in my life and I have had enough of the feeling of being violated and I can not take it. I am currently starting to endure XXXX and XXXX health issues due to the stress of this nonsense and can not tolerate it. I thought I'd advise you of the possible discrimination occuring due to unreasonable, possible personal victimized opinion deriving from possible affairs from a relationship that I was currently dealing with in my life. If you could please take care of this for me or look into advising the different sources I would appreciate it. I do not know how to properly speak or notify via telephone communications cause I am too upset about the issue that's been affecting my life. If this could be taken into effect I would appreciate it alot. That way I could please move on and forward in life and not drown myself in such a ugly atmosphere of nonsense. 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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following addresses are wrong. 

XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-14 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: TX

Complaint narrative:
On XX/XX/2022, I submitted a complaint to the CFPB about incorrect information that was reported on my credit report via Equifax Information Services LLC. I attached a Identity Theft report because my name is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX. I have attached my driver 's license and utility bill that clearly states my name as XXXX XXXX XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. Under the law, when credit reporting companies prepare credit reports, they are required to follow reasonable procedures to assure maximum possible accuracy of the information. Similarly, furnishers are required to investigate the accuracy of such information if it is disputed by a consumer. This information is continued to be reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy. This is a medical bill due to XXXX. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-06-14 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
When I checked my credit report several auto loan places showed up on it last year which prevented me from renting a XXXX XXXX  XXXX XXXX I had submitted info to both the company and XXXX and nothing was done and no response and I requested a response and proof of my signature. 


Auto Financing Companies Contact info Ally Financial Address XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2022-06-14 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 

DPT ED/XXXX Account # XXXX, XXXX, XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX, XXXX XXXX- Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX- Account # RPPJ**** XXXX XXXX- Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX- Account # XXXX XXXX Account # 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 Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX - Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date XXXX : XX/XX/XXXX - Experian XXXX XXXX- Date Inquiry : XX/XX/XXXX XXXX Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date Inquiry : XX/XX/XXXX - Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX - Experian XXXX - XXXX Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : 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 non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
During XXXX  we put a pause due to hardship during XXXX Tenants do not want to pay rent and because of the laws with eviction it has been hard to pay mortgage

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 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Todays date XX/XX/XXXX- Went to use Bank of America XXXX XXXX at XXXX XXXX  XX/XX/XXXX - declined multiple times - called BOA they had no info just card blocked. Contacted them asap from home- went over all charges, rep decided to send me a new card. Said all was fine. In the night I checked my mobile banking and see two transactions - XXXX ACH PAYMENT RETURN {$450.00} and ACH PAYMENT RETURN {$900.00}. Since then I have been trying to get this resolved on my own with BOA. Not a single person has either understood this, tried to help or rectified the situation. New card comes XXXX. I did not authorized these transactions I do not know what they are. I know I currently owe around {$1200.00} on this XXXX card and not it is reflecting that is owe over {$2600.00}. These transactions are not able to be disputed by myself on the computer. It must be done by the bank or so they say. I have spent countless hours ( 7 yesterday ) on the phone trying to get it sorted. Ive been the victim of fraud, BOA never contacted me at all - not once to question these odd transactions. I have determined that I paid {$500.00} on XX/XX/XXXX & {$1000.00} XXXX from my BOA checking account on this card XXXX. These PAYMENT RETURNS are close in amounts and were made XXXX.. Anyway after yesterdays 7 house here are two ref # I was finally given - I have NO IDEA if they mean anything. Every time I think Ive made progress I wind up back at square one. XXXX & XXXX with this phone number XXXX claim filed XX/XX/XXXX so she said. This morning Im going to find a BOA branch that is OPEN somewhere near here and go in person. Im sure thats going to be fun. I did not authorized any of these transactions, I have no idea how something like this could happen. Its saying I owe {$1300.00} more than I do. BOA has done ZERO to help me. I am totally at my wits end and am filing this in hopes someone somewhere can do something. My name is XXXX XXXX XXXX XX/XX/XXXX ss XXXX address XXXX XXXX XXXX XXXX XXXX NJ XXXX - phone 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 monetary relief
Consumer complaint received 2022-06-14 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 

DPT ED/XXXX- Account # XXXX, XXXX, XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX, XXXX XXXX- Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX**XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX- Account # XXXX XXXX Account # 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 Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX  XXXX Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXXXXXX XXXX XXXX - Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX XXXX TransUnion XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX  XXXX - Date Inquiry : XX/XX/XXXX - TransUnion XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - XXXX Inquiry : XX/XX/XXXX - TransUnion XXXX XXXX  - Date Inquiry : XX/XX/XXXX - TransUnion XXXX XXXX - Date Inquiry : XX/XX/XXXX - TransUnion

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 2022-06-14 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 

DPT ED/AIDV- Account # XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX- Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX- AccounXXXX XXXX XXXX  XXXX XXXX- Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX Account # 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 Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX  XXXX Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX - Equifax XXXX XXXXXXXX - Date XXXX : XX/XX/XXXX - XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - Equifax XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXXXXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had submitted my personal loan application on XX/XX/2022 and had also unfrozen my credit files at XXXX, XXXX, and XXXX. My XXXX XXXX is in the 760 area and have one existing loan with XXXX XXXX with an balance of {$29000.00}. I was looking to payoff my loan with XXXX XXXX with this new loan at Discover. I have made numerous calls but was told they still needed to verify me and would require a copy of both my Driver 's License and Social Security Card which I sent on XX/XX/XXXX of this year. I am still waiting and the payment for XXXX XXXX is due on XX/XX/XXXX of this year. Since Discover has not resolved this issue I will be making the XXXX payment and would like to have the remainder of the loan proceeds sent directly to me and not to XXXX XXXX. I will payoff XXXX XXXX once the current payment has been processed. The loan request with Discover is referenced with # XXXX. Requesting this loan has affected my XXXX XXXX in a negative manner because of their inquiry and lowered my XXXX XXXX. This is a form of discrimination of the Elder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This Auto loan company showed up on my report and I asked both XXXX and them to remove the hard inquiry and did not get a response. I also asked for proof of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/22 Company informed me it would take up to 30 days today is XX/XX/22 and I have yet to receive a response I demand all accounts be Deleted from consumer report company has not provided me with any written instructions from I the consumer in fact giving Experian permission to furnish any of the listed accounts I must remind Experian that congress has made it very clear in 15 USC 1681 that " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' so if Experian wishes to continue to act unlawful I will be forced to submit a complaint with the attorney general and seek legal counsel for damages caused I'm hoping Experian does the right thing and act in Good Faith as I want nothing more than to have an honorable outcome furthermore In accordance with the Fair Credit Reporting act XXXXXXXX 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 XXXX XXXXXXXX has violated my rights. 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 2022-06-14 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: OR

Complaint narrative:
I have a credit card with Discover. I filed a dispute on XX/XX/2022 because I received melted, broken candy and shattered glass due to the company 's ( XXXX XXXX ) poor packaging. I called XXXX XXXX and they said they would have a manager reach out to me. They never reached out until I e-mailed them 3 times. 

I finally opened a request with Discover when they only offered me a partial refund of XXXX dollars. I provided all information Discover requested, including photo documentation of the broken glass to Discover. 

The company nor Discover is willing to help me. I am a loyal customer, using my Discover card without disputes but when I finally have a problem, they don't help? I have never had such a negative experience with a bank before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: DriveTime
State: CA

Complaint narrative:
When I checked my credit report several auto loan places showed up on it last year which prevented me from renting a XXXX XXXX  XXXX XXXX I had submitted info to both the company and XXXX  and nothing was done and no response and I requested a response and proof of my signature. 


Auto Financing Companies Contact info XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation