vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mobiloans, LLC
State: CA

Complaint narrative:
This company and another have been calling me non stop for 6 months now ive had credit card charges that i didnt make that have been happening for a long time but these companies keep calling me and keep saying i owe them money and i keep telling them i sont have a bank account even but they insist i owe them and are now saying i owe them XXXX to XXXX XXXX a piece and i never have had an issue with identity theft untill i moved to XXXX 8 months ago but i need some sort of assistance with all this fruad going on i know my loans i know my accounts but this is getting out of hand i cant afford to pay these one of the companies said they were mobi loans and the other is XXXX XXXX loans

Company response to consumer: Untimely response
Consumer complaint received 2023-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I applied for the loan but wasnt approved because I dont have credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a bill in the mail from TD Bank in the amount of one XXXX. I called the company and reported that someone opened a credit card in my name. The lady I talked with shut the card off and was sending it to their fraud department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NY

Complaint narrative:
I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXXXXXX XXXX XXXX XXXX XXXX XXXX One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from this account. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. Within 6 hours of calling, I was told they would dispute or look into the fraud because I never had access to the card, which I did and never told them that. I had told them I did and I had personal info etc hacked and that was fraudulently taking from my account. Net spend treated treated me poorly annd displayed no care or concern to follow government regulations regarding consumer rights and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, Being a victim of identity theft made me feel worse after the way netspend handled it and treated a customer, who is a fraud victim because of theyre negligence.I am filing a complaint because netspend is violating the Electronic Funds Transfer Act, which limits a consumers liability to { {$50.00} } if the consumer reports the loss within 60 days. I reported the loss to the bank the as soon as possible when I saw the theft had occurred. I would like for these fraudulent charges to be taken off my account and my money returned to me. Thank you very much for looking into this matter.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report and I noticed inaccurate addresses on my report. I have already reached out to the companies and they still have not been removed. 

The incorrect addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX Address ID # XXXXXXXX Apartment complex XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX Address ID # XXXX Apartment complex XXXXXXXX XXXX XXXX XXXXXXXX XXXX MD, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX Address ID # XXXX Multifamily NOT PROVIDED XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX ID # XXXX Single family

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I need XXXX blocked from reporting on my credit. 
Also need XXXX XXXX XXXX from reporting on my credit, I was identity thefted. And I do not have a balance with either account. I've never had balance on XXXX XXXX, and what I ordered on XXXX I paid out time and all amount owed hat balance in not mine. I need the accounts removed and the companies BLOCKED due to identity theft. Theses accounts are fraudulent.

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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: College Ave Student Loan Servicing, LLC
State: TX

Complaint narrative:
On XX/XX/2020 a coworker known as XXXX XXXX XXXX stole my social security card after lending my to him to go to work that day. XXXX took advantage of me cause my wallet was left in my car and used my identity to obtain a college Avenue student in the of almost {$4000.00} I later confronted him to return my ids because I was I going to report him to the police I had no idea that he used my identity to obtain a student fraudulently until I started receiving bills from college Avenue student loans that I owe them that money. He later on admitted to lying to me that he took my identifications without my knowledge but did not mention using them to obtain a student loan.

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 — Credit inquiries on your report that you don't recognize
Company: IQOR US INC
State: FL

Complaint narrative:
Improper use of my report, shared without my consent, credit inquires

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 1681has violated my rights : 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 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 2023-03-15 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: FL

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 1681has violated my rights : 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  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 explanation
Consumer complaint received 2023-03-15 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
THIS COMPANY IS IN VIOLATION OF MY RIGHTS AS A CONSUMER. DURING THE INVESTIGATION OF A DISPUTED ITEM ON MY CREDIT REPORT IT IS THE DUTY OF THE COMPANY REPORTING THE POTENTIAL ERROR TO REMOVE THE IDENTIFIED DISPUTED ITEM UNTIL AN INVESTIGATION IS COMPLETE. I RECEIVED A CREDIT REPORT SHOWING THAT THIS IS NOT THE CASE AND THAT THIS ITEM IS CURRENTLY STILL BEING REPORTED. THIS VIOLATES MY RIGHTS. IN ADDITION TO THIS I DID NOT CONSENT TO BEING COMMUNICATED WITH VIA EMAIL OR TELEPHONE BUT THIS COMPANY HAS REPEATEDLY SENT ME EMAIL AND PHONE CORRESPONDENCES. I SPECIFICALLY STATE IN MY DEBT VALIDATION LETTER TO ONLY CONSENT TO BEING CONTACTED VIA MAIL. THERE HAVE BEEN SEVERAL VIOLATIONS ON THE PART OF THIS COMPANY.

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: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
XXXX XXXX is calling all times of the day and late evening. But, worse they are coming to my house at all hours of the day and evening ringing the doorbell and banging on my door. They do this 2 or 3 times a day. We have told them to leave our property or we will call the police and they say they are not leaving. This has been going on for weeks. My family life and working from home has been totally disrupted. We are prisoners in our home.. they come to my house, my property several times a day. I feel threatened by them and so do my grandchildren. They are stalking my family. They are threatening to put a lien on my house. They will not stop this harassment on my property. 
Every day no matter how many times they show up banging on my door and harassing me and my family, they leave the document attached in my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I made a HELOC loan with Wells Fargo Bank back in 2008 for {$25000.00}. I have made more than the minimum payment for over 13 years never missing a payment. And I still owe over {$18000.00}. That's only {$7000.00} in 13 years going to the principal. And in the last 5 years I have paid {$200.00} a month and am still not seeing a decline in the balance. I have tried to talk to Wells Fargo but am told this is normal. A fair resolution to this would be to adjust the balance to where it should be. According to WF I have been paying about 40 % intrest as opposed to the 5 % of the loan contract.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 
Account name : 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 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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following negative items on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX ( ACTIVATED RESV ) - This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report. 

As per the FCRA, it is the responsibility of the credit reporting agency to ensure the accuracy of information on my credit report. I have no record of the accounts listed above and believe that they do not belong to me. Therefore, I am requesting that you remove this inaccurate information from my credit report as soon as possible, in compliance with the FCRA. 

I also request that you provide me with a free copy of my credit report, as allowed by the FCRA, once the inaccurate information has been removed. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognized an inquiry on my report that I did not initiate with XXXX  XXXX XXXX. The inquiry was made on XX/XX/2022. It is only showing with TransUnion LLC, other bureaus do not have this inquiry at all. I sent a letter to TransUnion in XXXX. They sent a response requesting that I contact XXXX  XXXX XXXX directly to get the issue resolved. After contacting XXXX departments within XXXX, no one there is showing a record of the inquiry or why it is showing. I called over to TransUnion just for them to give me the run around about all of these different documents I need from XXXX, about an inquiry they have no record of. After 3 months of the back and forth, I decided to go another route.

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