vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
To Whom It May Concern, I XXXX XXXX is submitting this complaint on my behalf against Title Max Corporation on  this XXXX day of XX/XX/XXXX. As a consumer, I am requesting for Title Max to send and release my original XXXX XXXX XXXX Car Title Acct # XXXX back to me for the second time because the first request was to Title Max website via email at : XXXX on XX/XX/XXXX. I notice that my original Acct # XXXX located at Title Max XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX ; was changed to Acct # XXXX ; by a Title Max XXXX XXXX XXXX XXXX, XXXX Texas.XXXX ; without my knowledge. Now be mindful, that Title Max Corporation Headquarters and Title Max located in XXXX, Texas were both notified of my U.S.C. Chapter XXXX Bankruptcy by the XXXX, Texas Federal Courts. Please see ( PDF ) to Title Max Corporation and Title Max XXXX, Texas XXXX ; requesting my Car Title back after my Chapter XXXX Bankruptcy was discharged. Title Max is in violation of selling and trading consumer information through Third Party transaction and violating Federal Bankruptcy Order 11 U.S.C 727 ; which was granted to XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX, I was harassed by XXXX XXXX and other Third Party Debt collectors and was forced to file for Federal Chapter XXXX Bankruptcy as a XXXX consumer ; in XX/XX/XXXX due to aggressive collection acts. Title Max has ignore the discharge order as of today ; and are violating Federal laws under section 524 of Title 11 of the United States Codes ; known as A Bankruptcy Discharged Violation. We both know that an injunction states that no one can take any action against a consumer regarding a discharged debt that has been exempt or granted under the United States Chapter XXXX Bankruptcy Order. The reason for this complaint is because Title Max is still trying to repossess my car by having Title Max employee following me ; however I have my car in my possession ; my car is exempt. Title Max and all creditors were notified by Untied States Government Chapter XXXX Bankruptcy of my Chapter XXXX Discharged. ( CFPB ) Effective Date : This regulation is effective XX/XX/XXXX. Compliance Date : Sections 1041.2 through 1041.10, 1041.12, and 1041.13 have  a compliance date of XX/XX/XXXX ; The rule identifies it as an unfair and abusive practice ; and the proposal was published in the Federal Register on XX/XX/XXXX. I want all three company 's investigated of foul trading practices ; Title Max located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX ; Title Max XXXX XXXX XXXX XXXX, XXXX XXXX and Title Max Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: FL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in 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 2019-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I Receive notification today that a collection was added to my credit report in the amount of {$370.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my report. This is a violation of my rights and I want this alleged debt removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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 checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in 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 2019-09-28 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: FL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: FL

Complaint narrative:
Since the last three years several accounts keep reappearing on my credit report after filing disputes. Several paid off accounts. Student loans history as well that were consolidation. In addition, I have a fraud alter on my report and i still get plenty of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2019 a hard inquiry from Paypal Credit appeared on my credit report. I called the company on XX/XX/2019 to ensure that no fradulent accounts had been opened in my name and to request that the inquiry that I did not authorize be removed. The individual I spoke with on the phone assured me that there would be no problem doing that and no further action would be required on my part. To this day the inquiry that I did not authorize still remains on my report. On XX/XX/2019 another inquiry appeared from XXXX. I had never heard of this institution before that time so I called to be sure that no fradulent accounts had been opened using my name. After speaking to an individual from XXXX I was informed that a fradulent account had been opened in my name with the incorrect social security number and that it would be closed immediately. I also ask to have the hard inquiry to be removed but was informed that I would need to authorize XXXX look at my credit report, creating yet another hard inquiry, in order for them to remove the original that should not be there in the first place. Several days later a welcome packet arrived in the mail from XXXX informing me of my new account. I sent an email to this institution on XX/XX/2019 to ensure that the fradulent account had been closed and to request that the hard inquiry that I did not authorize be removed from my report once again. A response was sent on the same day informing me that the account was indeed closed on the XXXX of XXXX when I placed the first phone call but I was told again that in order for them to remove the hard inquiry, that is on my report due to their mistake, I would need to authorize them to run my report or I could pull and submit a full copy of my credit report with the errors highlighted. I responded to this email on XX/XX/2019 inquiring as to why I should authorize something that seems so counterintuitive or mail such sensitive information to a company who has allowed a fradulent account to be opened so easily. As of this moment, I have yet to receive a respone to this email. I understand that hard inquiries stay on my report for a period of time before being removed, however, I feel that these extra hard inquires have brought my credit down and hurt my chances at getting a business and/or home loan in the near future. I also feel that, regardless of how long hard inquires stay on my report or who they are shared with, they should be removed immediately since they were not authorized.

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 2019-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES is  held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX  Police Dept.I need this collection account to be removed from my credit  report.PORTFOLIO RECOVERY ASSOCIATES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was looking for Upgraded concert tickets so my daughter would be out of the rain for the concert. Many people were selling. I asked the person many questions, they seemed legit i usually feel like paypal is a secure way to go, tickets were going to be given through ticketmaster. Which is a secure site. I sent the money, and the very second i did, the person said not to send it ( even tho they would have already got notified at this point ) and wanted me to send the money through a different app now. Which i asked if they had prevs. And they told me no. They Cont to tell me to send the money NOW! right now! On the other app, i said no, i want a refund or my tickets. They told me to trust them and just do it. I contacted paypal and they told me they received the payment and there was nothing they could do, id have to ask these people for it back which is of course impossible. This all happen XX/XX/XXXX started about XXXX and lasted till about XXXX. I just want my refund. Which i sent {$160.00} dollars, and there was a XXXX fee for my bank to transfer it to these people. I was trying to make sure my daughter wouldnt get sick at a concert she was waiting months for. And i get scammed by who ever this was. Its just wrong. And for paypal not to do anything is unacceptable as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-28 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: AL

Complaint narrative:
I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-09-28 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: AL

Complaint narrative:
I am writing this due to non-compliance with ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
It is imperative that my complaint be understood and correct action taken. On XX/XX/19 I made a check deposit of {$950.00} from a tenant from his XXXX account into my account. Per tenant the funds were taken on XX/XX/19 by Citibank however my account was not credited by Citibank claiming there was a " Hold '' on that check til XX/XX/19. There fore on XX/XX/19 when my check # XXXX for {$450.00} came in my balance was more than enough to cover it- {$480.00} ( I've enclosed the transaction activity for those transactions. 

On XX/XX/19 Citibank ret 'd the check # XXXX for {$450.00} and charged me {$34.00} which they have reimbursed me now after I complained. Further there was also a {$500.00} deposit on the same day Citibank re'td my check. This caused a problem with the company I sent check # XXXX to pay a bill. 

My question is if there is a check deposited & placed on Hold waiting it to clear & checks come in while it is on hold should the incoming check be re'td? But especially since the check that was placed on hold cleared & funds were provided to Citibank the very next day it was deposited. In my opinion & based on the past the funds were immediately credited to my account regardless of the length of the hold period. This issue has occurred in the past & I thought it was my fault since then I'm looking into my balance more closely & want Citibank to credit incoming checks as soon as they clear & get the funds available, none of this because they put a hold & wait til that hold period expires.

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 2019-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: OH

Complaint narrative:
I received a letter from Apelles that says I owe XXXX XXXX  {$9900.00}. I dont owe them anything as Ive already explained to XXXX. This debt is erroneous and I will not pay one penny of this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: U.S. BANCORP
State: LA

Complaint narrative:
I am a victim of identity theft since 2017. I still have Louisiana XXXX XXXX XXXX, us bank, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  and a few other still reporting that these accounts are owned or are charge-off I filed a report with the FTC and they are still sending me to collections or suing me for the monies owned on these fraud accounts. I had paid all the accounts off in 2017. Then I got rob at XXXX time in 2017 all my cards were stolen and my social security card they even filed false income taxes with my social security number. Recently in XXXX all these creditors reported again to all credit bureaus and it s all on my reports like new information! everything PLEASE HELP! I  will be going to court again in XXXX for one of them suing me.

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 2019-09-28 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: WV

Complaint narrative:
My I have several address that do not belong to me on my credit report, I do not live at these addresses please delete them from my file they are not accurate : XXXX   XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX This is my 609,623 FCRA dispute Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX county. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
Please delete the following accounts : XXXX XXXX, XXXX XXXX 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 2019-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Numerous requests for reinvestigation have been sent out to Transunion, XXXX and XXXX regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.

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