vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX 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 non-monetary relief
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I am currently a longtime TitleMax customer, and I am currently stuck in a title loan with this company that originated in XXXX of XXXX. I took out this loan at a time when I had no other options as my husband was XXXX and on XXXX  for XXXX XXXX. I borrowed just under {$4000.00} at the time, and I have been paying at least {$500.00} each month since then which has resulted in more than {$24000.00} in payments of excessive interest and late fees for my XXXX XXXX XXXX. 
I have attempted to contact the office, and in my communication with the associates at the XXXX, Georgia location, I have been unable to come to a resolution, and each time I attempt to contact the corporate office via their XXXX number, I am rerouted to the XXXX XXXX which has constantly communicated with me using deceptive and financially abusive tactics to drain me of more than XXXX times the amount of money that I originally borrowed XXXX  years ago under the constant threat of " pulling in '' or repossessing my vehicle. 
Since XXXX, I have paid TitleMax 's excessive interest and fees in spite of financial difficulty, a worldwide pandemic and the historic inflation rates following the pandemic. 
The jingle from the ads from this company says, " Get your title back with TitleMax! '' That's essentially what I expect as a result of this complaint and an honest review of my account. I expect for TitleMax to settle this account as paid in full from a corporate level, and I want my title back, as it is the only ethical thing to do in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America card, XXXX XXXX account, XXXX XXXX card opening in my name. 
Someone applied for XXXX card in my name. 

Someone hacked into my XXXX app and changed cell phone number contact Several alerts that my phone number is on the dark web

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 2023-08-17 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: GA

Complaint narrative:
On XX/XX/2023 I mailed XXXX and Equifax credit bureaus about investigating and removing unfamiliar accounts on my credit file. The letter sent requested a response within 30 days. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is calling me repeatedly from various XXXX numbers in an attempt to collect debts that were discharged and well beyond the statute of limitations. I currently have no outstanding delinquent debts. They have texted me, called my personal phone and my business phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Hackers attacked my Chase checking account costing me {$1400.00} unauthorized XXXX XXXX  transactions to purchase XXXX & I don't even know what that is. Chase voided all my disputes telling me to go 3td party? The time i used XXXX XXXX & XXXX XXXX is to send my grand daughter gas money. It took me getting with an IT Expert to find where hackers have been in my accounts since last XXXX but Chase could not see that fraud was happening & denied me access but allowed hackers to do whatever. 
They allowed hackers to reverse my XXXX XXXX payment & not its in legal repossession 3 weeks after I made my payment. ALL was done on the same day showing hackers in my account attached XXXX XXXX Chase statements & hackers from XXXX, CALIFORNIA & TEXAS. I live in XXXX & use XXXX XXXX XXXX. XXXX Department was notified at less a dozen times. I phone recording emails text messages also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NY

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 2023-08-17 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: SC

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to request the removal of certain inquiries from my credit report. I have recently reviewed my credit report, and I noticed several inquiries that do not reflect my current credit activity accurately. I kindly request your assistance in deleting these inquiries from my credit report for good. 
Below, I have provided the necessary details regarding the inquiries that I would like to be removed : 1. Inquiry Dates : [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] 1 understand that inquiries may remain on my credit report for a certain period of time, typically two years. However, I believe these inquiries were made without my consent or knowledge. Therefore, I kindly request that you investigate the legitimacy of these inquiries and remove them from my credit report permanently. 
As a responsible and diligent consumer, I have always strived to maintain a good credit history, and inaccurate inquiries can have a negative impact on my creditworthiness. I have attached copies of supporting documents, such as bank statements or correspondence, to prove that I did not authorize these inquiries. 
1 kindly ask you to initiate an investigation into these inquiries and take the necessary steps to ensure their deletion from my credit report. Additionally, I request tha provide me with a written confirmation once the inquiries have been removed. 
Please note that according to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure the accuracy and fairness of the information contained in credit reports. I appreciate your attention to this matter and your commitment to upholding the FCRA guidelines. 
1 would like to express my gratitude for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this issue. 
Thank you for your cooperation. 
Sincerely, [ 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 2023-08-17 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: NC

Complaint narrative:
I has a fresh start program with XXXX XXXX from XX/XX/XXXX and was paid off in XX/XX/XXXX. 
Without my knowledge or consent they opened a XXXX XXXX XXXX in my name that I did not request and it is on my credit report as of XX/XX/XXXX. Because of this my score dropped XXXX points in one day. I am working very hard to build my credit now this has ruined all of my hard work. 
I contacted the credit bureaus as well, because I was trying to find out how I could remove that and get my XXXX points back. This is unfair and should be illegal to do this when I did not ask for this card or apply for it.

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 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to lodge a formal complaint against XXXX XXXX XXXX for their consistent and egregious violation of my consumer protection rights. Their disconcerting pattern of presenting resolutions and subsequently failing to enforce them has severely undermined my confidence in their ethical conduct and commitment to regulatory compliance. 

Issue at Hand Account Details : Principal Name on the Account : XXXX XXXX Severe Impact on Credit Profile : The gravity of the situation can not be overstated. XXXX XXXX 's repeated negligence and disregard for my consumer protection rights have directly contributed to a precipitous decline in my credit profile. What was once a stable credit score of XXXX has plummeted below XXXX due to their actions. This adverse impact compromises my financial standing and casts doubt on XXXX XXXX 's commitment to consumer rights and regulatory adherence. 

Pattern of Broken Promises and Credit Consequences : Throughout this ordeal, XXXX XXXX 's pattern of proposing resolutions, only to renege on their commitments, has inflicted irreparable harm. This sequence of events has not only revealed negligence but has also underscored the severity of their inability to fulfill their obligations, resulting in the compromised state of my credit profile. 

Possible Violations Potential Violation of Fair Credit Reporting Act ( FCRA ) : The sustained presence of erroneous and detrimental data on my credit profile, despite their proposed resolutions, could constitute a violation of FCRA Section 623 ( a ) ( 8 ), which mandates the prompt correction or removal of inaccurate information from consumer reports.

Potential Violation of Consumer Financial Protection Act ( CFPA ) : The persistent pattern of proposing resolutions without subsequent enforcement, combined with negligence in upholding cease and desist orders, might constitute a violation of CFPA Section 1036, which prohibits practices that are deceptive, unfair, or abusive.

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 2023-08-17 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to lodge a formal complaint against XXXX XXXX XXXX for their consistent and egregious violation of my consumer protection rights. Their disconcerting pattern of presenting resolutions and subsequently failing to enforce them has severely undermined my confidence in their ethical conduct and commitment to regulatory compliance. 

Issue at Hand Account Details : Principal Name on the Account : XXXX XXXX Severe Impact on Credit Profile : The gravity of the situation can not be overstated. XXXX XXXX 's repeated negligence and disregard for my consumer protection rights have directly contributed to a precipitous decline in my credit profile. What was once a stable credit score of XXXX has plummeted below XXXX due to their actions. This adverse impact compromises my financial standing and casts doubt on XXXX XXXX 's commitment to consumer rights and regulatory adherence. 

Pattern of Broken Promises and Credit Consequences : Throughout this ordeal, XXXX XXXX 's pattern of proposing resolutions, only to renege on their commitments, has inflicted irreparable harm. This sequence of events has not only revealed negligence but has also underscored the severity of their inability to fulfill their obligations, resulting in the compromised state of my credit profile. 

Possible Violations Potential Violation of Fair Credit Reporting Act ( FCRA ) : The sustained presence of erroneous and detrimental data on my credit profile, despite their proposed resolutions, could constitute a violation of FCRA Section 623 ( a ) ( 8 ), which mandates the prompt correction or removal of inaccurate information from consumer reports.

Potential Violation of Consumer Financial Protection Act ( CFPA ) : The persistent pattern of proposing resolutions without subsequent enforcement, combined with negligence in upholding cease and desist orders, might constitute a violation of CFPA Section 1036, which prohibits practices that are deceptive, unfair, or abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-17 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: GA

Complaint narrative:
I informed XXXX, XXXX, TransUnion as well as debt collection agencies 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 , and XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but XXXX have illegally verified debts that does not belong to me. Transunion hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.

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 2023-08-17 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I informed XXXX, XXXX, XXXX as well as debt collection agencies XXXX XXXX XXXX, National Credit Systems, 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 , and XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but XXXX have illegally verified debts that does not belong to me. XXXX hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: SC

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to request the removal of certain inquiries from my credit report. I have recently reviewed my credit report, and I noticed several inquiries that do not reflect my current credit activity accurately. I kindly request your assistance in deleting these inquiries from my credit report for good. 
Below, I have provided the necessary details regarding the inquiries that I would like to be removed : 1. Inquiry Dates : [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] 1 understand that inquiries may remain on my credit report for a certain period of time, typically two years. However, I believe these inquiries were made without my consent or knowledge. Therefore, I kindly request that you investigate the legitimacy of these inquiries and remove them from my credit report permanently. 
As a responsible and diligent consumer, I have always strived to maintain a good credit history, and inaccurate inquiries can have a negative impact on my creditworthiness. I have attached copies of supporting documents, such as bank statements or correspondence, to prove that I did not authorize these inquiries. 
1 kindly ask you to initiate an investigation into these inquiries and take the necessary steps to ensure their deletion from my credit report. Additionally, I request tha provide me with a written confirmation once the inquiries have been removed. 
Please note that according to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure the accuracy and fairness of the information contained in credit reports. I appreciate your attention to this matter and your commitment to upholding the FCRA guidelines. 
1 would like to express my gratitude for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this issue. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief