vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC
State: NM

Complaint narrative:
on XX/XX/XXXX I received my 4th title loan through titlemax with my XXXXXXXX XXXX XXXX. before my payment was due, within the first 30 days titlemax hired a tow company to come to my home and repossess my vehicle. i called corporate and wanted to know why they would send a tow company to take my vehicle and they said that i was not a corporate concern and to contact the store were i got my loan, i then contacted the store and demanded to know why they breached our contract agreement, i was then told that titlemax was going out of business and that was the reason for violating the contract. having had 3 prior loans fully paid off within 3 months of receiving the loans using the same car as collateral, I felt wronged and violated, by titlemax breaching the contract that we had agreed upon, i feel that they picked me out cause they new i would pay my loan off like all XXXX previous loans had been paid in full, titlemax never returned my title to me since my first loan on XX/XX/XXXX XXXX APR 143.35 % paid in full on XX/XX/XXXX. 2nd loan was XX/XX/XXXX XXXX APR 143.35 % paid off XX/XX/XXXX. 3rd loan XX/XX/XXXX for XXXX APR 174.36 % paid off XX/XX/XXXX 4th loan on XX/XX/XXXX for XXXX APR 173.35 % titlemax BREACH OF CONTRACT! illegal debt collecting practices by trying to repossess my car before first payment due. then on XX/XX/XXXX I was inside my vehicle when a tow truck came to my house and picked me and my car up by XXXX wheel suspending my car and myself XXXX feet in the air damaging my vehicle and my property when he went to put my car down it would not go back into park, hudge pile of transmission fluid in my driveway police came, XXXX called due to my airbag deployment they made a report, got car fixed and then on XX/XX/XXXX auto theft/ unlawful taking XXXX XXXX XXXX [ XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the tow company did not call my car in for a repossession or recovery of any kind, no history of a vehicle being taken from myhome. I have 3 police reports, XXXX XXXX XXXX loss of work, created XXXX i never had before, I contacted corporate on XXXX XX/XX/XXXX spoke to a lady and sent a email to XXXX on XX/XX/XXXX and again on XX/XX/XXXX and to this day they have not responded to my complain that stated i was taking legal action for breach of contract, damaging my vehicle and property, and illegal repossession, Im seeking my vehicle back and XXXX for the damages, XXXX, and loss of work. as time goes by the amount goes up while i still am without my vehicle today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: MA

Complaint narrative:
I took out a loan for XXXX dollars with spotloan. Then I had lost my job and I contacted them and told them this. They basically told me there's nothing I can do for stopping all the interest on my missed payments. Now I am almost at XXXX I owe them and I am still not working for to a medical issue. And I need help I am never going to be able to catch up now with all this interest every single month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: PA

Complaint narrative:
I did not authorize XXXX to run my credit, this information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: I.C. System, Inc.
State: FL

Complaint narrative:
I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. 

XXXX XXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. 

I.C. SYSTEM, INC ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. 

I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.

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 2023-05-01 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: CL Holdings LLC
State: FL

Complaint narrative:
I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. 

XXXX XXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. 

JEFFERSON CAPITAL SYSTEMS ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. 

I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This is in reference to CFPB XXXX XXXXXXXX. I appreciate Schools First Federal Credit Union to not ignore my inquiry. However I still feel the problem is not solved. Maybe I need to ask a direct question. Did the lady who administered our unsecured loan at your facility have what is called a ( DBA ) Doing Business As under the California Secretary of State please provide me that information if you don't understand what I'm talking about I will submit mine. If your employee who is conducting business in California doesn't have one then this contract is Voided. Also I would need a Financial Forensic Audit showing where the money originated from on this Loan. I have recently secured my All Caps Name with the Internal Revenue Service and now have Power Of Attorney of this Estate and I'm doing a little housekeeping. I would also like to know if School 's First Credit Union have paid taxes on the money you received from my Trust Estate and have reported it to the Internal Revenue Services. I will wait for your response before I have them looking into this loan. Thank You so much for your Cooperation. Also why didn't Schools Financial credit Union CFO respond to the Affidavit. An unrebutted affidavit becomes judgement after 30 Days. I want to peacefully work with schools to mitigate this situation as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2023 I received an alert from my credit monitoring service regarding fraudulent accounts and inquiries listed as " XXXX XXXX '', " XXXXXXXX XXXX '' on my Experian consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i need to remove all fraud alerts. and extended fraud alerts. all any statement need to be remove

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 2023-05-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: DISCOVER BANK
State: FL

Complaint narrative:
I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. 

Discover BankXXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. 

I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have a mortgage through Newrez LLC which I obtained as a VA homeloan in XX/XX/XXXX. Newrez bought my mortgage from the previous servicer, XXXX XXXX XXXX, and started servicing my mortgage in XX/XX/XXXX. On XXXX XX/XX/XXXX, Newrez sent me a form letter, which I did not receive until XXXX XXXX, claiming they did not have a condominium policy on file and threatening to apply one to my account at my own expense. On XXXX XXXX, my condo property managers faxed the certificate of liability insurance ( CoLI ) for my condo building to the fax number provided on the form letter, which was for Newrezs Insurance Dept - PROCTOR LOAN PROTECTOR ; XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ; Proctorlp.com. My condo property manager also provided me a copy of the XXXX, which I submitted myself to the online portal also listed in the form letter. I followed up with the Insurance Dept at Newrez the day after submitting the documents and told I needed to wait at least two additional business days before they were processed. On XXXX XXXX, I sent a message to Newrez using their websites contact us feature requesting confirmation that the XXXX had been processed. The only response I received was a generic letter saying additional information was being gathered about my inquiry. I called the Insurance Dept at Newrez on XXXX XXXX requesting confirmation that the XXXX had been processed. A proctor loan protector agent, XXXX XXXX, claimed that the XXXX had never been received. He provided an email address for me to submit the XXXX to, XXXX, and informed me a confirmation email would follow submittal. I submitted the CoLI to that email and I sent three follow up emails requesting confirmation to XXXX later that day on the XXXX, on the XXXX, and the XXXX, and received no responses. On XXXX XXXX, Newrez sent me another form letter threatening to add an insurance plan at my expense to my account. I received that letter on XXXX XXXX. On XXXX XXXX, I called Newrez Insurance Dept again and was told they never received the CoLI, this time by XXXX XXXX. XXXX provided the same email contact information as before, XXXX, and I submitted the XXXX again via email. XXXX told me I would receive a follow-up confirmation email within XXXX hours that the XXXX had been placed on my account. I never received that confirmation email despite sending reply requests for it to XXXX on XXXX XXXX. On XXXX XXXX I called the Newrez Insurance Dept again and was told the XXXX had been processed.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
CFPB Writeup I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX, XXXX, XXXX via USPS. It has been over 30 days. These consumer reporting agencies are in violation. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.

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 2023-05-01 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: NC

Complaint narrative:
I have attempted to dispute the account noted below showing late payments. The accounts have never been late and paid on time. 

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 non-monetary relief
Consumer complaint received 2023-05-01 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: NC

Complaint narrative:
I have attempted to dispute the account noted below showing late payments. The accounts have never been late and paid on time. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
hard inquiries where not authorized and are impacting my credit report severely.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX Please help. I have a suspicion that My SSN is easily stolen due to the simplicity of the numerals

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 2023-05-01 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: IL

Complaint narrative:
hard inquiries where not authorized and are impacting my credit report severely.. 
XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Please help. I have a suspicion that My SSN is easily stolen due to the simplicity of the numerals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/XXXX - called fidelity card service dispute to confirm the reasons behind not honoring my dispute ; they confirmed that the reasons will be sent to you in another week XX/XX/XXXX - I was told by customer service representative that dispute over 60 days from transaction posting won't be entertained. Challenge her on future transactions but she stood the ground pointing to the billing statement wording " You must contact us within 60 days after the error appeared on your statement. '' XX/XX/XXXX - called fidelity cards service and was told that a representative from disputes will call back XX/XX/XXXX - dispute transaction credit reversal in the amount of {$120.00} XX/XX/XXXX - mailed via USPS the form with details on dispute XX/XX/XXXX - dispute transaction credit in the amount of {$120.00} XX/XX/XXXX - called fidelity cards service asking for help as the vendor was acting smart and not responding to the settlement XX/XX/XXXX - transaction made with XXXX XXXX XXXX CA for {$180.00} towards XXXX XXXX classical violin classes at the cost of {$15.00} per class

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 2023-05-01 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a dispute with a fraudulent charge on my Wayfair Citibank credit card. I submitted the dispute and closed the card. They determined I was responsible for the charge. In the documents they sent me informing me I was responsible it included documents from the merchant where this purchase was made. In the evidence it shows it was not me who made the purchases. It was a different name and different address. The evidence is clear that the card was stolen and even shows the information of the person who committed the fraud against me. I have made many attempts to resolve this with Wayfair Citibank credit services and they continue to bill me for this fraudulent charge.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have supplied the company with the appropriate documents and they have not responded within 30days.

Company response to consumer: Closed with explanation