vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Title pawn issued by XXXX XXXX, who does not hold a license issued by the XXXX XXXX XXXX XXXX XXXX XXXX 
No disclosures provided as required by TILA, even after I requested Loan agreement did not contain following disclosure as required by Ga law. The loan agreement shall contain the following notice in at least 12 point type immediately above the borrower 's signature : 'NOTICE This is a motor vehicle title loan agreement. It allows you to receive loan proceeds to meet your immediate cash needs. It is not intended to meet your long-term financial needs When using this loan, you should request the minimum amount required to meet your immediate needs and you should repay the loan as quickly as possible to reduce the amount of interest you are charged. You will be required to pay the principal and interest on the loan in substantially equal monthly installments. You should try to pay even more toward your principal balance each month. Doing so will save you money. You are pledging your motor vehicle as collateral for this loan. If you fail to repay the loan pursuant to this agreement, we may repossess your motor vehicle. Predatory Lending practices and violations of EFT by unlawfully providing a loan I did not request and depositing into my unsecure customer portal without my request, permission or knowledge, refused to withdraw upon my request. Upon notice of unauthorized withdraw from that portal on XX/XX/2022, has not concluded or resolved exceeding time allotted provded in the XXXX act, refused to return title after notified of right to rescind after disclosures were not provided in violation of TILA, refused to return title or void Contract or forfiet any funds related to contract as required by Georgia law. 7-3A-3.

87 ( a ) No person shall engage in the business of making motor vehicle title loans in Georgia 88 unless such person is licensed by the department in accordance with this chapter or exempt 89 from licensure as provided in Code Section 7-3A-4.

90 ( b ) Any title loan made by a person without a license, unless such loan is made by a person 91 exempt from licensure, shall be void, and any right to collect any money in connection with 92 such loan shall be forfeited. The person making a loan voided pursuant to this Code 93 section shall promptly refund any money paid and return to the borrower the motor vehicle 94 title and, if applicable, the motor vehicle or its fair market value

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: IL

Complaint narrative:
I have purchased a state ID twice only to not received my products in the mail my as far as other items not received in the mail fraudulent activity I have been in contact with the agencies but no help it's frustrating I also show a pending charge for venture for two weeks seems as though XXXX is involved what entity assigned XXXX to deduct payments with out permissions seems as though it is fraudulent activity on XXXX and credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$2200.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00}.

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 2023-02-25 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: MS

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 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 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 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 2023-02-25 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: MS

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 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 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 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 2023-02-25 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: NJ

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and infromation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and infromation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission and I am requesating you to please have the items removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I spoke with a representative called " XXXX '' who stated that Central Portfolio Control sent a letter to my old address at XXXX XXXX XXXX. in XXXX this was after I called them due to not receiving the first notice they claimed to have sent to my old address, and I requested a letter sent to my current address TWICE. They have sent me nothing via USPS and I have no clue what this alleged debt is in connection to, I will be disputing with the attorney general, as well as following up with CPC to find out just how they are attempting to collect on an alleged debt when I have no clue who they are, nor is there any proof of me doing business with them. They have posted this derogatory remark to my consumer report illegally and without merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XX/XX/XXXX to late XXXX several unknown people took money out of my account in the form of paying their bills. I contacted Wells Fargo on XXXX to notify them of these fraudulent transactions, which were over 300 and totaled over {$35000.00}. I changed my online password and closed my account and reopened a new one. Within a few days after this more fraud was detected on my new account. They had told me originally to keep my existing debit card and that a new card was not needed. Within a week they issued a credit of XXXX. I called back on XXXX the they told me that the balance of the claim was denied because the transactions exceeded the 60 day time period to submit a claim. The transactions they credited me for were from the same person they were denying the claims for. The fraud continued and I had to call back a third time to report the transactions. They credited me for those. At this point I had them issue a new debit card. This did not make me feel very confident that they would stop these from coming thru. They told me that my account was on high alert. Not true, if they kept coming thru. I decided to move all my money into a savings account that belongs to my daughter to protect myself from these people taking money out. They told me to contact the payees individually to report the fraud, but I am not sure if that will work. 
All of the transactions that are highlighted on my attached statements are the ones they will not credit me for.

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 2023-02-25 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 XX/XX/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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates
State: OH

Complaint narrative:
I reviewed my credit report on XXXX at XXXX and seen I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/XXXX nineteen  days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX  i was transfer from XXXX XXXX to this company XXXX XXXX since XX/XX/XXXX  when I started this complain that as I found today havent been resolve, I have lost my job due to the incorrect reporting on my account to the credit agencies, I was denied plenty credit application including the refinance I was trying to do with another companies in order to get rid of this horrible company, the not only report my account status incorrect but they shown that I owe them money when they had all the money that was transfer from XXXX XXXX. Still I paid them all as of today and they agreed to send the information to the agencies in order to fix my credit with the truth and the same day I pay the last month I was holding g in order for them to fix this. They reported to the agencies that I was late 90 days when that was completely a lie. I am tired of fighting with this company for over 9 months in order to fix this and they only laugh on my to the point that in XX/XX/XXXX I lost my job because all the bad things they reported incorrectly to my account. I have spoken to 49 agents, 12 supervisor, 7 back-up team members and 2  customer care manager and only supervisor XXXX was the only one that was able to start a real dispute with all the departments involved on this. The same that was in communication with XXXX from the credit department who offered me to pay the month of XXXX which I was holding it in other to force them to fix the issue and he was going to send a letter to the agencies in order to fix my credit. Turns out m, they reported 90 days late the same day and as of today no- financial company, field that I work in, they want to hire me because my credit is a mess and low due to this disaster they made in my life. I am recurring to you in faith that I have the solution in order to clean my name and recover my credit score since they put me in the low level ever. Please help me out. If you need to contact me. Please call me at 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