vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
In XX/XX/2021 my vehicle was taken for being 30 days late during the pandemic. No notice left, no contact with me. I owed {$1500.00} left on the account. I paid $ 1500+ when I got it back. Now years later after I tried to get my title back and contact them I wake up and my car is gone? Called the police to report it and they said even if it was repossessed they have 30 minutes to notify them of any repossessions. Title max is telling me that I cant get it back without paying {$3000.00} my entire loan amount or its sold in 10 days. THEY TOOK IT FROM AN ADDRESS WHERE I CARE FOR AN XXXX  WOMAN FOR WORK. I was literally at WORK. All of my personal stuff. My wallet. Etc. there isnt even a Titlemax in Illinois!!! But they keep telling me to call them. My heart is broken. From the beginning its been horrendous. The day I got my loan they didnt even give me what I was fully qualified for because they didnt want to restart the loan because it was closing time. They CHANGED my income to be more because they said they cant charge me more than a certain percentage of my income for my monthly payments. I have tried and tried to call and reach someone to speak about these obscurities and no one can help me. They give me a number to call for Illinois and it only ever says Im calling after hours. My original loan amount was {$3000.00}. I made at least half the payments before they took it the first time and paid them over {$1500.00} when they took it. Now I owe them $ 3,000+??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Wednesday, XX/XX/2023, I applied for a Capital One platinum credit card and was approved. The following day, Thursday, XX/XX/2023, I tried to set up an online account, but received a message stating that I already had an existing account. I have never had a Capital One account, so this raised a major red flag. I hit the forgot username password, and the Capital One system prompted me to type in a verification code that would be sent via text, but I noticed the number listed was not my number. Then, I received an email with a username that I did not recognize at all. So, I called Capital One and explained to the what happened and I have been a victim of fraud. Capital One informed me that they will closed the account that someone previously signed up for with my information. Capital One informed me that this person had a checking and savings account set up. I'm not sure if they have credit cards or other accounts with other institutions using my info. I am assuming they got my info last year, when my cell and bank account was hacked. If I had not applied for a credit card with Capital One, then I probably would have never known, until I received my credit history or credit report trying to make a big purchase like a vehicle or house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
I was talking to a representative XX/XX/27 at XXXXXXXX XXXX to negotiate my debt. He then threatened me once I said I would have to reschedule the call. He threatens to sue me and garnish my wages if I didnt pay. I am not afraid to call them back because he was so hostile towards 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 explanation
Consumer complaint received 2023-07-27 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: NC

Complaint narrative:
There is information and accounts listed on my Consumer Report that are Not authorized by me, which leads to Identity Theft. The information being reported are transactions NOT authorized by 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 explanation
Consumer complaint received 2023-07-27 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: ERC
State: CA

Complaint narrative:
VICTIM OF XXXX DATABREACH PERSONAL INFO WAS HACKED AND STOLEN I HAVE LETTER TO PROVE. THIS ACCOUNT DOES NOT BELONG TO ME AND WASNT OPENED NOR SIGNED TO AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: DC

Complaint narrative:
I forwarded a previous email to KikOff Support Team regarding the breach in my account & I've heard nothing from KikOff. Any & all recent activity that has transpired on my KikOff Account for this month ( XX/XX/XXXX ), IS NOT ME! I'm requesting to be contacted by KikOff 's SuperVisor or someone of authority who can resolve this breach of my account & put my line of credit that I was eligible for back to the way it was .... UNTOUCHED. My XXXX XXXX XXXX checking account was hacked last week. The thief pushed through fake ACH checks through my checking account on XX/XX/XXXX & XX/XX/XXXX using my Kikoff account after hacking it. They linked the account & stole a total of {$7000.00}. I had to place a freeze on all 3 of my Credit Reports with the 3 Credit Bureaus, change my passwords to my XXXX email & other accounts. In addition to contacting Social Security & providing them with the new checking account number & routing number that XXXX gave me. This is a total nightmare & it's more insult to injury for KikOff to not even attempt to contact me to try to resolve this situation. I can't login to my KikOff account because of the damage the hacker has done by changing my login information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX. Someone named XXXX XXXX owes debt to their landloard. FCO is trying to collect the debt. I've told them that I am not XXXX XXXX ( different last name and spelling ) and that I have lived in a house I purchased during the time the debt was incurred. They keep calling and asking me to provide more information under threat of reporting me to collections. have indicted that I am not the person listed on the correspondence and the relevant facts could be verified with a basic public records search. Threatening to damage my credit so that I can do their job for them is absurd.

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 2023-07-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have several charge off accounts that I did not authorize to be reporting in my consumer reports. The businesses have reported my account to the IRS as a loss but I have not received copy B of 1099 c resulting in me having discrepancies on my taxes. They are also reporting a balance still due when the IRS has paid it off. They are also still harassing me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
This is the attachment for Complaint ID XXXX filed XX/XX/2023. 

After paying {$2800.00} plus to Round Point Mortgage in XXXX of 2023 to remove PMI I received this letter confirming it was completed. ( See Attachment ) When XXXX XXXX bought Morgage from Round Point the PMI was already removed. XXXXXXXX XXXX  mailed me a letter stating that Round Point had not sent the information over to XXXXXXXX XXXX. Later XXXX stated that Round Point made a mistake when they removed the PMI. XXXX stated that Round Point has admitted to the mistake. However, I have not heard from Round Point, only the notice from XXXX. Neither Mortgage company refunded my money for " what was a mistake ''! The only thing happened is that I needed to pay more money that I do not have.

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 2023-07-27 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Didnt authorize any inquiries Factual Data reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I applied for a WF credit card on XXXX for a {$200.00} bonus by charging {$500.00} in 90 days. I was denied with a credit score of XXXX, no debt, personal home paid for, $ XXXX month income and more than XXXX in savings products. The reason for denial is " ration of credit to debt is 0 '' which makes no sense. I want the card to replace one that I have only the WF card has no annual fee and I have an annual fee with XXXX  XXXX XXXX XXXX I feel I am being discriminate against because they feel the only reason I am applying is to get the bonus. It shouldn't matter why I am applying if I qualify and giving a " non reason '' for a denial isn't appropriate.

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 2023-07-27 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: DE

Complaint narrative:
The following accounts have violated my rights according to Fair Rights Credit Reporting Act. According to laws 15 USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ) 1 ) XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: NY

Complaint narrative:
Credit Bureau refuse to remove account and incorrect information on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
My loans are all consolidated, therefore ; it should show one loan not 15 open accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: OH

Complaint narrative:
I tried to activate my reimbursement card from XXXX XXXX XXXX. The card has a sticker that says activation is required. The phone number XXXX is out of service and the online activation link, XXXX goes to a defunct website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is unbelievable! You just closed a complaint about having addresses that don't belong to me on my credit report after months of going back and forth with you, so now you add another address that also doesn't not belong to me. 
Let me be completely clear with you one last time! 
My name should read ... XXXX XXXX XXXX. Nothing else! I have a son with teh exact same name and spelling! 

The only address that should be on my credit profile is XXXX XXXX XXXX, XXXX PA XXXX. Nothing else! Remove any other address you have and do not add any other address! I have lived at the address over 10 years! Stop adding random addresses! 

Fix this and send me an updated credit report immediately!

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 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
My siblings, myself and additional family members ( XXXX people ) are being sued for a debt of a distant family member name XXXX. 

She was my grandmothers sister, who my siblings and I have never met. 

She lived in Florida ( we live in Maine ) and apparently she recently passed. 

Our mother passed 5 years ago and is also listed on the court document. 

An attempt to serve me ( at my husbands home, where I do not live occurred ), but my XXXX siblings were also served, and all of my many aunts, uncles, and cousins. The gentleman who served the documents did not disclose who he was, did not give a card stating he was a sheriff. 

XXXX got sent back ( because i do not live at my husbands home ), but we supposedly have " XXXX '' days to respond or we can lose the case, our wages, money and property. 

My uncle states that XXXX was at the end of life and there were XXXX ladies caring for her that racked up bills, bought cars, etc. 

My siblings and I have never met this lady. We do not know her. We do not have any stake in, nor want any stake in her estate, etc.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-27 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: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit Bureau refuse to remove account and incorrect information on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit Bureau refuse to remove account and incorrect information on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ive been trying to get Equifax to unfreeze my report, im in the process of buying a vehicle and they say that my report is unfrozen but when the banks pull it up it does show up, and yes ive sent all the documents that they need me to send including verifying my identity which ive done several times and ive also spoke to the supervisor several times. they need to fix the problem on there end so i can able to do what i need to, by them not letting me see my report is a big violation to my consumer rights.

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the fraud alert from my consumer report that they are illegally reporting.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
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 XXXXXXXX

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