vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Agent XXXX at titlemax did not read the disclosure about how the contract works. The Federal Truth In Lending Disclosure to be exact. Agent XXXX did not explain how the Finance charge process operates. The amount financed states the amount of credit provided to me because I am the one who extended the credit. Titlemax has violated the Truth In Lending Act Disclosure per United States code 15 1605 " Determination of finance charge '' additionally 18 U.S Code 1341 " Frauds and swindles ", 18 U.S.Code Chapter 47 " Fraud and False Statements, U.S.code 15 45 ( a ) " Unfair methods of competition unlawful '', 15 U.S.code 52 " Dissemination of false advertisements '', 12 U.S.code 1431 " powers and duties of banks ( But I am listed as the " Borrower '' which is false because the code states only the banks can borrow ) 1, 15 U.S.code 1611 " criminal liability for willful and knowing violation '', and title max is fined XXXX XXXX by Consumer Financial Protection Bureau XXXX  for " PREDATORY LENDING PRACTICES '' in Georgia, in which I abode.d.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
For the last XXXX months I have tried to contact round point mortgage, to no avail. 
I have contacted the XXXX  and filed a complaint twice in the last couple months, still no contact from roundpoint. 

I'd like to set up biweekly payments and I found a number to contact round point at, XXXX which happens to be a recording requesting your email address. I've left my email address and have still not heard from them. I figured it's just not going to happen as I have not been able to contact this company. 

In the meantime, today, I've received a letter from roundpoint stating " this is my second and final notice that their records show that my homeowner 's ( hazard ) insurance expired, and they do not have evidence that I've obtained new coverage. '' It goes on to say that they plan to buy insurance for my property. The insurance THEY buy will cost an estimated {$2600.00} annually, which may be significantly more expensive than insurance I can buy myself. 
They give a phone number of XXXX, after calling that number its a recording, just like the other XXXXtoll free number above. 
I've never let my insurance expire, and I've only ever received THIS notice, this is my first notice. 

I don't know what else to do? I found a number online last week to supposedly contact the President of roundpoint via email. I did send an email to that email address, addressing the issue I'm having wanting to make biweekly payments and not being able to reach anyone at roundpoint. Never heard a word, however not surprised. 
Now today, I get this letter stating I don't have ( hazard ) insurance. 

I'm at my wits ' end, I don't know what to do next, or how to get someone to help me? 


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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that these UNAUTHORISED inquiries be removed, due to the F.C.R.A stating without ( WRITTEN CONSENT ) 15 USC 1681 ( B ) PERMISSIBLE PURPOSE in which i never gave experian WRITTEN CONSENT to put said inquiries on my consumer report. Not only are experian in violation of 15 usc 1681 ( b ) but knowingly and willfully reporting something on a consumer 's report under false pretenses shall b fined under title 18 and is a violation of 15 usc 1681 ( Q ) which is identity theft. Also punishable by fine or by up too two ( 2 ) years imprisoned, or both. 


I requested that ALL the UNAUTHORISED INQUIRIES shall be removed due to the fact of the said credit agency ( EXPERIAN ) CAN NOT produce the document that shows/proves that i GAVE WRITTEN CONSENT. SO therefore since the document ( written consent ) cant be upheld i demaded the said credit agency ( EXPERIAN ) DELETE THESE UNAUTHORIZED inquiries.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a CITI Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for 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 2023-10-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TN

Complaint narrative:
Purchased {$500.00} US Bank Visa Gift Card at my local XXXX store on XX/XX/23. Card declined upon the first attempted use. Called the toll-free number on the back of the card. The rep advised me to go on to their website and choose " my card not working tab '' and send them a picture of both sides of the gift card along with a picture of my drivers license. I complete that information and submitted. The card was never unlocked, I called back after 2 days had passed and let them know that I was still not able to use my card. They advised me to then fax a picture of the front and the back of the card along with a picture of my drivers license. I told the rep that I did not have access to a fax machine but they did have any answers for me. I am in possession of the card, the packaging and the original receipt so I am not sure what the problem may be but I can not get access to my money. Tonight XX/XX/23 I tried calling their toll free number at XXXX and could not get anyone to answer. Their website XXXX is not functioning either.

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 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
LJ Ross is collecting on the behalf of XXXX XXXX  for a debt I do not owe.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
The problem star coulpe.months ago I losse my job also I was involved in a car accident so I take time to recovery for my injury I still going to theraphy also I am not working in the main time I didn't receive letter for them also when I called they didn't anderstand my situacion about it also I tried to negotiate with them but they didn't andersatand my situation and they told me they will send my information to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I call Experian I even set up online account trying to dispute, this fraudulent inquiries that I didn't do continue 5 & 20 of same name company I call I was told get credit bureaus correct all 3 credit bureaus XXXX XXXX Experian. I'm tried of trying correct my credit by my self it got be removed I don't go out here trying get credit back to back with same company inquiries of my credit how can I get new social security number. I can't do this for ever this is stressful.

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 2023-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Asked for XX/XX/XXXX for my rights per The California Consumer Privacy Act of 2018 ( CCPA ) My right to know about the personal information AMEX Savings and Credit Card has collected about me and how it is used and shared ; My right to delete personal information collected from them ( with some exceptions ) ; My right to opt-out of the sale or sharing of their personal information ; and And I am subject to discrimination for exercising my CCPA rights. 

It has been over 5 weeks since asking for this information Full access to my legal rights under CCPA - Personal information Name Address Telephone email Social security and any other identification used by AMEX that has been subject of their dispute with me since XX/XX/XXXX account opening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is denying me my free credit report and stating I already recieved a free credit report within the last 12 months. I have not recieved a credit report nor requested XXXX within the last 12 months. Additionally, I tried to place a fraud alert and was denied this request as well stating more information is needed to verify me thus delaying and possibly causing more fraud on my credit report. Equifax systematically frustrates any attempt to gain access to a credit report and place a fraud alert on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681b PERMISSIBLE PURPOSE and Aggravated Identity Theft under 18 U.S.C 1028 A. 

XXXX****I sent a letter to XXXX XXXX TRANSUNION XXXX and XXXX XXXX reinvestigate these accounts that are reporting illegal transactions late payments. TRANSUNION refused to investigate. Please see attachment TRANSUNION LETTER I am aware that transactions may be applied to the consumer account as per TRANSUNION LETTER. This applies ONLY if the consumer gives WRITTEN consent to do so. Remove these accounts below immediately. 

******15 U.S.C 1681 A ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report *****Accounts in dispute pasted 30 days : XXXX  XXXX XXXX ( XXXX, TRANSUNION ) XXXX XXXX XXXX ( XXXX, TRANSUNION ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX ) XXXX XXXX ( COLLECTIONS ACCOUNT ) ALL reporting ******XXXX XXXX XXXX XXXX XXXX has performed Aggravated identity Theft according to 18 U.S.C 1028 A. To obtain information from my report without my knowledge or written consent to furnish an account on my behalf. This is another violation of 15 U.S.C 1681 N. Remove this account immediately. 

*****18 U.S.C 1028a ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

*****15 U.S.C 1681 b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. 
*****USPS TRACKING NUMBERS : XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX  ) XXXX TRANSUNION XXXX ( XX/XX/XXXX  ) XXXX XXXX XXXX ( 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX  XX/XX/XXXXXXXX  Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX XX/XX/XXXXXXXX  Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: LJ Ross Associates
State: AZ

Complaint narrative:
I am not liable for this debt of {$520.00} with L J ROSS ASSOCIATES, INC Account number : XXXX I do not have a contract with L J ROSS ASSOCIATES, INC, they did not provide me with the original contract as requested with my wet signature and ID Verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I received my payroll deposit on XXXX  XX/XX/XXXX I was also supposed to receive new debit cards I call Chime Bank to check on the status of my card someone from the chime bank said they were looking into it on XXXX  XXXX the XXXX all in my money was going for my account {$2500.00} in one transaction $ {$21.00} XXXX received emails from time saying thanks for the anyone transfer for those amounts I never authorized anyone to go into my account to take out anything and I never did a money transfer Don't know anything about anyone transfer but my money was missing I called Chime back to find out what happened to my deposit and they said they was going to do a dispute then it was closed in XXXX hours I called back to do another dispute because I never authorized anyone to take money out of my account receive XXXX emails from chime saying thanks for the anyone transfer for new cards Don't have no idea what anyone transfer is so they basically stole my money someone that works for chime or have a connection to that bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX I have an account with Citi bank and my account was compromised through fraudulent activities, through XXXX. A total of {$38000.00} was taken from my account XXXX XXXX dating back from XXXX to XXXX. This was brought to the banks attention they denied compensation.I then requested them to reopen the case and I sent multiple supporting documents. They had started giving back partial credit which amounted to around {$6000.00} this was later taken back from my account stating there wasnt enough evidence to support the investigation. I really need some help in getting my money back from Citi Bank. Please if theres any other resources I could use or get please contact me 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