vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SmartCredit LLC
State: MN

Complaint narrative:
One year back in order to secure a business loan of dollar store and they referred me to a company which enhance/ increases my credit score so as to be eligible to get a loan and the company referred to me is XXXXXXXX XXXX XXXX. After filling out the forms and up front payment they were willing to provide service to enhance/ increase my credit score. 

Subsequently, XXXXXXXX XXXX XXXX  referred me to a new company called XXXX XXXX and they ask for upfront payment which I fulfilled and they never kept their promise nor did they let me know how they are going to do it. Since then, they have being charging my different checking and credit card accounts without my authorization. 

Without my authorization/ permission on my behalf they are filling different claims that includes filling a complaint to the credit companies and EVEN to the Consumer financial protection bureau and guided me Incase I have any communication ( e-mail or by mail ) with above referred companies and not to respond. 

I was told to send all communication to XXXXXXXX XXXX XXXX XXXX XXXX. 

They have being charging some amount from my checking or credit card accounts without my permission and authorization. 

I have received a letter in a mail from Consumer financial protection bureau ( CFPB ) regarding a complaint which was filed on my behalf without my authorization, permission and I did not have any knowledge About a complaint.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore Equifax, XXXX, and XXXX are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to XXXX, Equifax, or XXXX to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore XXXX, XXXX, and Experian are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to Experian, XXXX, or XXXX to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.

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 2023-04-25 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: Mcburberod Financial, Inc. d/b/a SeedFi
State: CA

Complaint narrative:
SeedFi has a address on my account that is not my address I addressed it they said it will come off but its still there its on my XXXX  account XXXX XXXX XXXX XXXX XXXX, NC XXXX I never lived there I looked it up its a park

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
TOYOTA MOTOR CREDIT ACCT XXXX XXXX XXXX XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( ACCT # XXXX, ACCT Name : TOYOTA MOTOR CREDIT ) , has violated several of my constitutional rights. 

15 USC 1681 SEC. 602 A, Rights to Privacy.

15 USC 1681 SEC. 604 A, Furnishing account without my written consent.

15 USC 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

According to these USCs, I hereby demand these late payments be removed and update this account with immediate effect due to violation of The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
upon receiving my consumer report, I found many inaccuracies including this company reporting to all consumer reporting agencies. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate or unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received correspondence from Collections company XXXX regarding a debt in the the amount of {$10000.00} for a rental property. I ask them to validate the debt, in which they failed to do so. they could not provide a breakdown of the balance. Advise them verbally to cease and desist all communication until debt is validated. 
On XX/XX/XXXX they called from XXXX, On XX/XX/XXXX called from XXXX, on XX/XX/XXXX called from XXXX this time XXXX left a message. I asked her during that call to please once again validate the debt. She stated a ledger was sent and i advise her it showed a bunch of fees but nothing that would make $ XXXX sense and that it stated XX/XX/XXXX as the start of charges and i advise her XX/XX/XXXX we were out the home so make it make sense. She stated she would research and notate I was still disputing the debt. Final call from them was on XX/XX/XXXX. they failed to cease and desist communication. They failed to accurately validate the debt and placed this my credit, my husband credit and my mothers credit with our consent.

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 2023-04-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
Bank of NY Mellon, FDIC XXXX, issued a cd ( XXXX XXXX XXXX XXXX  ) which I purchased through XXXX. The coupon payment date for the cd was XX/XX/23. They have yet to make any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I financed my used car through Lexus Financial Services. As you can see in the letter attached, dated XX/XX/XXXX, Lexus Financial Services confirmed payoff of loan and stated the following in regards to my title, " At this time, we have not yet received the Certificate of Title or lien from the vehicle titling agency where the application was filed. Once we receive the document ( s ), we will forward it to you ''. Of note, I also paid Lexus of XXXX, where I purchased my car, to coordinate the registration and transfer of my title, registration and license fees have not been provided.

Now, 8 weeks later, I have not received the promised documentation from Lexus Financial Services and they are unable or unwilling to tell me the location and status of my title.

Lexus of XXXX 's staff informed me on XX/XX/XXXX that they paid Maryland 's DMV for my vehicle 's registration., I followed up, in person, with the State of Maryland DMV on XX/XX/XXXX to confirm this, and was told that the Department had not received payment nor other documentation for the registration from Lexus. 

On XX/XX/XXXX, I received a second notice ( see attachment ) from my current lien holder, the XXXX XXXX XXXX XXXX, notifying me that they have not received the Certificate of Title. Furthermore, the XXXX XXXX XXXX XXXX staff notified me via telephone that I am at " risk of defaulting '' on the loan, because they have not received the title certificate. 

I also called Lexus Financial Services, most recently on XX/XX/XXXX and they confirmed that this title was sent to me, but as of XX/XX/XXXX I have not received it. 

So, neither my current lien holder, the XXXX XXXX XXXX XXXX, nor the State of Maryland, where my vehicle is currently registered have received the vehicle title from Lexus of XXXX or from Lexus Financial Sevices ( this after waiting two months and making multiple requests ).

Please help me secure my Title information. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
My account was suspended by HSBC USA without any reason. They asked me to called them to provide the information of recently activities and said they will get back to me in two days. However after 10 days my account still locked and the customer service didnt give me any useful information and just let me wait. I am very disappointed and need the money in my account for paying the rent. 

The bank account number is : XXXX Name : XXXX XXXX XXXX : XX/XX/1997

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. I know for a fact that I have been a victim of identity theft. I have not authorized or open any of these accounts. There has been car loans opened in my name as well as utility accounts, credit cards, and cell phones. I have contacted each one of the companies, and each credit reporting agency about this. The fraud accounts that are showing on my credit report are as follows : XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX {$7800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4500.00} XXXX XXXX {$15000.00}

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 2023-04-25 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: CA

Complaint narrative:
XXXX XXXX refuses to remove even after dispute very old collection items and has re-upped the date to make it recent. The XXXX  account is more than 10 years old.

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 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: MA

Complaint narrative:
XXXX I receive texts from this company EVERYDAY, EVERYDAY and its pushy, and I tried calling them because I would settle and pay it off, but I also havent even received anything from them, except texts. So this can be resolved by them or get it off my credit report because I tried calling and settle and the customer service representative was just ignoring me and didnt really seem to care so I gave up

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 2023-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Im accordance with the fair credit reporting creditors have violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 second 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my worries instructions.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase freedom advertises that all prescription drugs get 3 % cash back. I noticed on my bill that they only have given me 1.5 % cash back on these purchases. When I brought this to their attention, they stated that the prescription drugs were bought at a grocery store, therefore they are not giving me my 3 % cash back on my prescription purchases. This is false advertisement since my receipts says jewel osco drug and should be categorized as a drug store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: MS

Complaint narrative:
XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX claims I submitted an application with XXXX XXXX XXXX  in XXXX  when I did not. They have lied twice about this and the cfpb is allowing them to get away with this. you XXXX  and the cfpb continue on this course after I submitt my evidence, I will go the the attorney generals office. XXXX XXXX KNOWS I didn't submit a credit application. and it's time they tell the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUNION had removed XXXX  from my report 4 yrs ago then put it back on my report and when I despites it again they said it was never removed which you can clearly see on my credit report that it was.

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 2023-04-25 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Please I been back and forth with agency that have been report illegally on my credit report please remove and delete all information. Im requesting to opt out of all, XXXX, XXXX, and XXXX data bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: ID Analytics, Inc.
State: CA

Complaint narrative:
Please I been back and forth with agency that have been report illegally on my credit report please remove and delete all information. Im requesting to opt out of all, XXXX, XXXX, and XXXX data bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
I am disputing several purchases on my Direct Express card. I was locked out of my Direct Express App for several months. I finally got hold of Direct Express and had my App. unlocked. While looking at my purchases I noticed that there were several purchases that I didnt make and my money on my card went down to $ XXXX called Direct Express and explained to them that I had not made several purchase and was in extreme need of help. I gave them all my info including the purchases, dates, names of merchants, and amounts. One of the people said that I could file a claim online and he helped me with it. I let a few days go by because they said I should be looking for a deposit in a few days. I waited a week and nothing showed up in my account. I called today and they said the claim is closed and I was denied.my. My XXXX R # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There were 2 small transactions on my account submitted on XX/XX/XXXX and i received a text message about fraudulent activity. I called the bank the agent cancelled my cards and ordered new ones on Monday XX/XX/XXXX i received a call from the fraud department following up on Saturday 's activity and to verify activity from that day. Believing that this was actually Wells Fargo, they did not ask for account information or anything, when denying any of the activity from that day, i pulled up my account, and dialed the number on another phone. The Wells Fargo automated message came on and i saw the transactions that they mentioned on my account. They indicated that they will send me a code a read back the number. Again, believing this is actually Wells Fargo, i gave the code. i literally watched the {$14000.00} disappear from my account instantly. The next day I went to local branch, they cancelled all cards and changed all accounts. I received a letter today stating that Wells Fargo was not responsible because someone used my username and password to send the Wire transfer. Neith of which i gave out. They already had account information and everything. They never asked for anything other than the code. I feel that this is a gross injustice and due to their lack of security proctecion on my account is why it was compromised. They have the information of where the wire was sent, email from the XXXX account they were trying to get additional funds from. Noone contacted me to ask for anything. I have all of the codes that were sent. They could be used for investigation. I have the email from the person that took my inquiry that Saturday. My prior account history and movements should have caused reason to question all activity. There is also an article published by XXXX that speaks to this very scam. I need your help as $ XXXX is alot of money and all i have. I was hoping to get reimbursed by now to pay my bills for XX/XX/2023. The money taken cause my mortgage and car not to not be paid so i know will have to unpaid notes and i have not ever missed any. PLEASE HELP ME< I AM DESPERATE AND BROKE

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