vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Despite multiple CFPB complaints citing REAL laws, cease and desist orders, and identity theft reports, This company continues to email me and send me mail for a debt that is NOT MINE. 

I have proven per previous complains that the debt is not mine and that they are in violation of my rights as a consumer. 

The accounts are to be removed immediately and i want restitution for the damaged caused to my credit, being in non-compliance, and for the mental and financial stress this has put on myself and my family. 

My home currently has no heat and i have XXXX kids to take care of because i am unable to access credit that is rightfully mine thanks to the inaccurate reporting and NON-COMPLIANCE of this company. 

Negligence of the law is no excuse for your actions. 

Find the previous CFPB complaints. I'm not doing any more of your work for you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
The company responded to a previous complaint but has not answered direct questions regarding the intial loan. They are deliberately stating things without giving clarity of what has taken place in the account. They stated that the loan has been refinanced XXXX  times. This is not something the consumer chose to do but what is required by the company when you pay the renewal balance in full. They also have tampered with the date of renewal. When XXXX and XXXX got paid. They left it at XXXX still needing to be renewed instead of it being XXXX. They have this system that employees have stated called a rollback that allows you to roll your payment back for XXXX  days. The data breach was never revealed to me at all but information was gained through news articles. 

Over XXXX has been paid to this company with them having not a care in the world about outstanding fees and damage they cause to families. Ive paid for this vehicle XXXX over. Including the repossession that was done in XXXX of XXXX ( the same time they claimed I refinanced ). I paid over {$800.00} to get my vehicle back from repossession. They made me refinance the loan just to pay my balance. Each time they make you sign the paperwork they are making you refinance. You have no choice but to sign it if you want to keep your vehicle. They are using unprecedented ways to keep people in debt and begging them. This is unfair to charge fees for this loan and never discuss that none of it ever goes toward the loan. People can barely take care of their families through these types of circumstances. They never reached out before sending in their decision either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: OK

Complaint narrative:
I requested a copy of my consumer credit report I was shocked to see there were items that didnt belong to me so I contacted my bank to ask them to freeze all my accounts until further notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: OK

Complaint narrative:
I requested a copy of my consumer credit report I was shocked to see there were items that didnt belong to me so I contacted my bank to ask them to freeze all my accounts until further notice

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 2023-12-14 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I paid my balance in full after interest in fees were assessed. The company then added additional interests and fees that were not actually residual interest since the balance had been XXXX well after the payment was made and the balance was brought to XXXX. When inquiring with the company if they had the correct billing address and email address I was told they had an email address I've never provided. When I mentioned that my account may have been hacked or there is an internal error regarding the balance I was spoken over and nothing was resolved. The current company representatives do not seem to be aware of legal requirements for credit card companies and claim they had no way to put in a fraud report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
Currently on wrong IDR plan. Calculated incorrectly. Should be on the SAVE plan. Instead on SAVE-ALT. MOHELA has contacted my stating that i owe > {$4000.00} per month for student loan repayment when my monthly payment should be {$0.00} based on my income driven repayment plan. I have attempted to call multiple times and filed complaints without any response. MOHELA is being unhelpful and refuses to recognize the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I'm XXXX XXXX. I am writing to demand my privacy rights be respected. Transunion, XXXX XXXX XXXX are violation my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my right to privacy but they have also violated the FCRA. They are sharing my information without consent, written instruction or authorization. I have no contracts with these consumer reporting agencies and they have no excuse for sharing my information with their affiliates. This invasion of privacy and extortion. They threatening to continue disclosing my personal information until I pay. This is also a violation of the criminal coden18 us code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft 18 us Code 1028. 

In addition to these blatant violations there are still more problems unresolved I expect all late payments to be removed. Transactions are to be excluded from the report. So much of the FRCA has been violated I have grown weary of finding violation. I will simply list then as follows : 1. 15 usc 1681a 2. 15 usc 1681b 3. 15 usc 1681c 4. 15 usc 1681i I am demanding the cease of improper reporting and knowing violations as per 15 usc 1681s. 
In order for equitable relief I demand the following items be removed without delay and rapid restore, or I will be forced to instruct the FTC and CFPB to do a thorough investigation. 

1. XXXX  XXXX - Remove Late Payment 2. XXXX XXXX XXXX XXXX XXXX XXXX. - Remove Account. 
3. 7 Inquiries - Remove From Report 4. XXXX XXXX - Removed Account 5. XXXX XXXX  - Remove Account 6. XXXX XXXX - Remove Account 7. XXXX - Remove Account 8. XXXX - Remove Account

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 2023-12-14 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: PA

Complaint narrative:
Hello, I'm XXXX XXXX. I am writing to demand my privacy rights be respected. XXXX, XXXX amd Equifax are violation my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my right to privacy but they have also violated the FCRA. They are sharing my information without consent, written instruction or authorization. I have no contracts with these consumer reporting agencies and they have no excuse for sharing my information with their affiliates. This invasion of privacy and extortion. They threatening to continue disclosing my personal information until I pay. This is also a violation of the criminal coden18 us code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft 18 us Code 1028. 

In addition to these blatant violations there are still more problems unresolved I expect all late payments to be removed. Transactions are to be excluded from the report. So much of the FRCA has been violated I have grown weary of finding violation. I will simply list then as follows : 1. 15 usc 1681a 2. 15 usc 1681b 3. 15 usc 1681c 4. 15 usc 1681i I am demanding the cease of improper reporting and knowing violations as per 15 usc 1681s. 
In order for equitable relief I demand the following items be removed without delay and rapid restore, or I will be forced to instruct the FTC and CFPB to do a thorough investigation. 

1. XXXX  XXXX - Remove Late Payment 2. XXXX XXXX  XXXX XXXX XXXX XXXX. - Remove Account. 
3. XXXX XXXX  - Remove From Report 4. XXXX XXXX - Removed Account 5. XXXX XXXX  - Remove Account 6. XXXX XXXX - Remove Account 7. XXXX/XXXX  - Remove Account 8. XXXX/XXXX  - Remove Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Per the Fair Credit reporting act 15 USC 1681 section 602. XXXX an XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is 15 USC 6801. It is also congress policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers personal information. The financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial intuition may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' They never informed me of my rights to exercise my nondisclosure option. According to 15 USC 1681 ( a ) ( 5 ). Except as authorized under subsection ( b ). This account is an adverse item they are reporting again without my permission which is against the law. Per 15 USC 1681s-2 ( A0 ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person believes it is inaccurate. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 " A consumer may exercise r\the right to opt out at any time '' I am opting out of your reporting services.

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 2023-12-14 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: DE

Complaint narrative:
Per the Fair Credit reporting act 15 USC 1681 section 602. Equifax an XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is 15 USC 6801. It is also congress policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers personal information. The financial institution and the consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial intuition may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' They never informed me of my rights to exercise my nondisclosure option. According to 15 USC 1681 ( a ) ( 5 ). Except as authorized under subsection ( b ). This account is an adverse item they are reporting again without my permission which is against the law. Per 15 USC 1681s-2 ( A0 ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person believes it is inaccurate. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 " A consumer may exercise r\the right to opt out at any time '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I received a letter in the mail in XX/XX/2023 from Hunter Warfield on behalf of XXXX XXXX XXXX indicating I owe a leasing debt in the amount of {$4500.00}. I requested a validation of debt on XX/XX/2023 and I never received any further communication or documentation from the debt collector regarding the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: CA

Complaint narrative:
XXXX XXXX living XXXX has been identity thefting. I trusted him before so all my personal mail was deliver to his address. 

phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA USA has been using my personal information to trying to applying the loan etc. Identity theft has been happening recently. 

First I caught him making XXXX  XXXX card under my name. And he attached my name with my XXXX XXXX routing and account number. About XXXX dollar has been deducted by XXXX  XXXX credit card company from middle of XXXX. 

Second I see he trying to use my XXXX account. But I did not authorize the use so it blocked. 

Now I got the call from XXXX XXXX  super visor her name is XXXX XXXX. She said there were suspecious activity on my account so they had to freeze my XXXX account. ( Someone was trying to trying to transfer my funds they said probably XXXX did ) There might be more stuff are happening which I have not know yet. 

Such as trying to loan under my name etc.

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 2023-12-14 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: CA

Complaint narrative:
XXXX XXXX living XXXX has been identity thefting. I trusted him before so all my personal mail was deliver to his address. 

phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA USA has been using my personal information to trying to applying the loan etc. Identity theft has been happening recently. 

First I caught him making XXXX  XXXX card under my name. And he attached my name with my XXXX XXXX routing and account number. About XXXX dollar has been deducted by XXXX  XXXX credit card company from middle of XXXX. 

Second I see he trying to use my XXXX account. But I did not authorize the use so it blocked. 

Now I got the call from XXXX XXXX super visor her name is XXXX XXXX. She said there were suspecious activity on my account so they had to freeze my XXXX account. ( Someone was trying to trying to transfer my funds they said probably XXXX did ) There might be more stuff are happening which I have not know yet. 

Such as trying to loan under my name etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: CA

Complaint narrative:
XXXX XXXX living XXXX has been identity thefting. I trusted him before so all my personal mail was deliver to his address. 

phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA USA has been using my personal information to trying to applying the loan etc. Identity theft has been happening recently. 

First I caught him making XXXX  XXXX card under my name. And he attached my name with my XXXX XXXX routing and account number. About XXXX dollar has been deducted by XXXX  XXXX credit card company from middle of XXXX. 

Second I see he trying to use my XXXX account. But I did not authorize the use so it blocked. 

Now I got the call from XXXX XXXX  super visor her name is XXXX XXXX. She said there were suspecious activity on my account so they had to freeze my XXXX account. ( Someone was trying to trying to transfer my funds they said probably XXXX did ) There might be more stuff are happening which I have not know yet. 

Such as trying to loan under my name etc.

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 2023-12-14 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: NC

Complaint narrative:
My wife called me from our home, she was on the computer and she told me that Wells Fargo had sent an alert to our home computer that someone may be trying to hack into our account. ( suspicious activity alert ) She called me and I immediately called the bank and spoke with a gentleman who confirmed that {$990.00} had been withdrawn from my account - WHILE we were speaking he asked me if I was making a {$3400.00} charge on my account. I said NO - especially since I was speaking with him on the phone and not buying anything. He said he had stopped that charge but was not sure he could reverse the {$990.00} cash withdrawal even though it had just happened. After a couple of weeks the bank informed me that they could not/would not return the {$990.00} to my account because it was a " legitimate '' withdrawal. I questioned how that could be when I was on the phone while this crime was being committed. The banks eventual rationalization was - " a trusted device was used by the perpetrator '' and since I could not prove that was NOT me is must be me. I told them that is what the justice calls fraud. I have spent hours, days on the phone with the bank, bank vice president, service persons pleading my case. I have filed 5 different complaint issues, been " recorded '' on the phone with at least 7 persons affiliated with the fraud division ALL have agreed with me and only the supervisor has denied my pleas. Even a loan officer and the bank Vice President have filed complaints on my behalf and all have been denied. Even one of the complaint persons ( ALL on recorded lines ) I told my story gave me advice on how to re-file and re-word the issue to get satisfaction. They say the trusted device had a phone number ending in XXXX. I assume now that this fraud was perpetrated a hacker that got into me computer and opened up a XXXX account. This employee said he recognized the pattern of opening up a XXXX account waiting two months then making a withdrawal. He said to explain this to XXXX XXXX the person hearing and denying my case. He said this was a common way to take out money, not to try and take out the money immediately but wait a while. I told them I did not fraudulently take {$990.00} from my own account. How would I benefit from creating a fraud against myself. Strangely enough this same bank hired me 15 years ago when it was XXXX  XXXX  and I sold securities and opened up accounts for this bank. My credentials have to be immaculate and spotless to work in a bank. I have a high profile in my community and this is a dangerous black mark I can not abide with. Pleas help, I have been trying to work with this bank for two months, to no avail.

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