vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
This company furnished my consumer credit report with false information regarding a debt that I do not owe. 

They failed to notify me of any actions or communications against me prior. Illegally attempting to collect debt. 

They have failed to verify any debts belonging to me and have failed to show evidence of any contract enter into by me. I never signed any contract with 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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reported to experian that my identity is being used to submit inquires for credit lines, loans and unsecured credit lines, this is continuously happening and affecting my credit. I have filed an official report with the Federal Trade Commission 's fraud department my claim number is XXXX. I would like all the 70+ inquires in the past two years to be removed 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 explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
A title loan was taken out on my vehicle without my knowledge or consent. There are two names on the title - mine and another individual - and the loan application was processed and approved without my permission. ACE Cash Express wrongfully and illegally acquired possession of my automobile title and all attempts by myself to resolve the issue are met with deliberate indifference or feigned ignorance by all representatives of this corporation. They all agree that the title loan process should never have taken place without my knowledge or consent ; however, they all claim that they do not know the company policy concerning how to proceed when situations like this arise. All attempts to speak with supervisors at the corporate office have failed. I never receive a response or call-back. In sum ... ..Populus Financial Group ( formerly ACE Cash Express , LLC ) employees and representatives all agree and admit that they have wrongfully acquired possession of my car title, but none of them have offered or provided an answer or solution to returning my title, claiming that they can not provide me with any answers because " my name is not on the loan paperwork. '' This is a blatantly obvious fraudulent and deceptive trade practice violation and this company needs to return my title IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please read carefully -- I applied and received a loan from XXXX XXXX. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. XXXX XXXX is reporting this account as a mortgage. I defaulted on the loan, XXXX XXXX agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and 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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please read carefully -- I applied and received a loan from XXXX XXXX. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. XXXX XXXX is reporting this account as a mortgage. I defaulted on the loan, XXXX XXXX agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and XXXXXXXX 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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX is reported inaccurate address on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX I have never lived there

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Contacted the courts and they advised me that they don't report to the credit agencies. So how are the agencies reporting my child support balances. This is considered false reporting or misleading.

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Contacted the courts and they advised me that they don't report to the credit agencies. So how are the agencies reporting my child support balances. This is considered false reporting or misleading.

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 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitolone closed my debit card account in error which made me unable to buy anything with my card. They then told me I may have to wait until Thursday fora new card. 

It is unacceptable to wait until Thursday because of Capitolone 's mistake. 

Also they hung up on me 3 times when I express that I do not agree with doing without a card for three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: NE

Complaint narrative:
I HAVE REACHED OUT THE CREDIT REPORTING AGENCIES ABOUT REMOVING THE INQUIRIES FROM MY REPORTS AND THEY ARE GIVING ME A HARD TIME. I ADVISED THEM OVER AND OVER AGAIN THAT THOSE INQUIRIES DOESNT BELONGS TO ME AND BY LAW AS THE CONSUMER I HAVE THE RIGHT TO REQUEST FOR THOSE TO BE REMOVED.

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 2021-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi CFPB Team, I submitted disputed for a collections account that is inaccurately reporting on my Equifax, XXXXXXXX, and XXXX profiles. I am using this complaint center so that there are additional eyes on the process from the bureaus. It is my hope that my account is corrected as I am in the process of purchasing a new home and this is hindering my chances to qualify for a lower interest rate than the one I've received. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
credit inquiries that I did not authorize, made by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclay Card posted a {$9.00} XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX I called XXXX and I do not owe them money. BarclayCardUS is accumulating late fees on this closed card which are appearing on my credit. 
I need these people to go away and stop harassing me! 

Posted a transaction dispute with BarclaycardUS XX/XX/XXXX and they ignore it and charge me late fees. 
This is not the first time I am having fradulant charfes on this card. Card was closed XX/XX/XXXX. 

XXXX refunded me {$140.00} on XX/XX/XXXX which never was credited to my card. 
I had numerous fradulant XXXX magazine subscriptions charged to this card which I rectified myself. 
In XXXX someone stole my reward points and after complaining they magically reappeared without explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 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: NE

Complaint narrative:
I HAVE REACHED OUT THE CREDIT REPORTING AGENCIES ABOUT REMOVING THE INQUIRIES FROM MY REPORTS AND THEY ARE GIVING ME A HARD TIME. I ADVISED THEM OVER AND OVER AGAIN THAT THOSE INQUIRIES DOESNT BELONGS TO ME AND BY LAW AS THE CONSUMER I HAVE THE RIGHT TO REQUEST FOR THOSE TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Respectfully, Experian, XXXX  and XXXX  hasn't deleted all the unauthorized hard pull inquiries on my credit report. 
I only authorize XXXX purchase in XXXX, California and XXXX XXXX  for apartment rental in California on XXXX XXXXhis two companies has written authorization in writing. 
I filed many disputes and complaints on unauthorize inquiries and requested evidence of my written authorization and all companies and Experian, XXXX and XXXX  wasn't able to provide me evidence or to Federal Government. 
So by Federal Law all unauthorize inquiries must be deleted from my credit file and data credit report. 
I am filing a Retaliation and Discrimination complaints with XXXX Department of Justice. I am respectfully Lifetime XXXX Citizen, Retired and a US XXXX XXXX Military Veteran. 
Experian, XXXX and XXXX needs to add on my credit report. 
My place of employment was XXXX XXXX XXXXXXXX .Retired on Lifetime XXXX on XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California.XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD BANK N.A. is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with TD BANK N.A. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD BANK N.A. for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CREDIT INQUIRIES DOES NOT BELONGS TO ME, IVE CALLED TO THE REPORTING AGENCIES AND STILL NO RESPONSE. I SENT LETTERS AND STILL NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$2900.00}, {$690.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 










2. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi my friends! 
I deposited a check of {$1600.00} on my business account on XX/XX/2021. For some reason showed up in my account only {$16.00}. They say it was because the ATM red {$16.00} and I pressed the green big confirmation button with {$16.00}. This is impossible, there is a big difference between the two amounts. They gave me a complaint number XXXX and 10 business days to resolve the problem. I needed my money right away. it is a very small business. They say I have to wait. It is not fair. This missing money has affected me a lot. I am at least 10 years customer, however, there is always an issue. One behind another. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL 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 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi CFPB Team, I submitted disputed for a collections account that is inaccurately reporting on my XXXX, Transunion, and XXXX profiles. I am using this complaint center so that there are additional eyes on the process from the bureaus. It is my hope that my account is corrected as I am in the process of purchasing a new home and this is hindering my chances to qualify for a lower interest rate than the one I've received. 

Best, 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 2021-02-22 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: FL

Complaint narrative:
CREDIT INQUIRIES DOES NOT BELONGS TO ME, IVE CALLED TO THE REPORTING AGENCIES AND STILL NO RESPONSE. I SENT LETTERS AND STILL NO RESPONSE

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 2021-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
i would like to make a complaint about this debt collector santander consumer usa XXXX XXXX XXXX XXXX XXXX TX XXXX i have made a dispute since XXXX in the amount of XXXX $ i asked them to verify the validity of this debt they never send me a response back, i want them to remove me from they database and delete this debt because they couldn't provide me with a written verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
Sent letter in XXXX about incorrect credit reporting. Shows as 2 different accounts and has been discharged through bankruptcy. Showing 2 amounts due

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 2021-02-22 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: NC

Complaint narrative:
I DONT KNOW IF MY LETTERS ARE NOT BEING LOOKED AT BUT I HAVE TRIED TO CONTACT THE CREDIT REPORTING AGENCIES ABOUT Credit Inquiries THEY DONT BELONGS TO ME. IF I DONT GET THEM REOVED I WILL SUE ALL THREE CREDIT AGENCIESD AND I WILL WIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
Sent letter in XXXX about incorrect credit reporting. Shows as 2 different accounts and has been discharged through bankruptcy. Showing 2 amounts due

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
The most recent online monthly statement is incorrect, statement date XX/XX/2021. Select Portfolio Servicing still has not corrected the online monthly statements. The past unpaid amount of {$870.00} is incorrect. There is no balance owed or past due. I just started paying {$870.00} on XX/XX/2021 from a correction that was made by Select. How can that amount be past due. Any unapplied payments should go to escrow. 

Why did Select send {$190.00} of escrow surplus instead of leaving it in escrow. If the account should have {$920.00} in escrow for XX/XX/2021, why doesn't it reflect it on the online statement? The online information shows the escrow balance of {$530.00}. 

Please stop reporting inaccurate information on the account and correct it. Stop reporting fraudulent amounts on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation