vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 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: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$690.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00}

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 2023-04-29 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: AZ

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 2 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Around XX/XX/2023 I purchased a laptop from XXXX using my navy federal debit card. 
during the purchase of this laptop, I was harassed and stalked by XXXX police department. I wrote XXXX about their discrimination and still have received no response. XX/XX/2023 the laptop commenced a loud noise and caught fire. 

due to the discrimination and fear for my life I was frightened to return to the store. 

I disputed the charge. Navy federal refunded the money back with a pending investigation note attached. 

Sometime later I noticed my account negative. I called and wrote NaFed telling them I was not notified nor questioned during the investigation nor given a heads up about the dispute. 

my employment check was taken, my account closed and my credit card ruined. I was evicted and my credit is reporting as bad. 

breach the covenant of good faith and fair dealings, fraud, misrepresentations, conversion, breach of contract, abuse if authority and bad, abusive and unfair business practices and acts. 

their actions violate consumer right to fairness, to be heard and redress of grievances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I applied for and received a loan from TitleMax for the amount of {$1500.00}, Total pay off amount of {$1700.00}. On XXXX XXXX, I received a call from XXXX who identified himself as the the manager at the TitleMax location where I obtained Title Loan. He stated the purpose of his call was to advise me that {$8500.00} was deposited into a pay portal that the Broker that process my loan created on XX/XX/XXXX, XXXX XXXX then spent the next five minutes trying to convince me and persuade me to use the money presenting multiple pay off dates. I advised XXXX that the deposit on XX/XX/XXXX was I did not request {$8500.00}, that the deposit was unauthorized and to remove the {$8500.00}. Which to this day, XX/XX/XXXX has not been removed. Written Statement from TitleMax " XXXX XXXX entered a thirty ( 30 ) day Pawn Transaction and Security Agreement ( the Agreement ) with TitleMax on XX/XX/XXXX, for {$1500.00} ( the Pawn ) and pledged her XXXX XXXX XXXX ( the Vehicle ) as collateral. Pursuant to the terms of the Agreement, XXXX XXXX Pawn balance of {$1700.00} was due on or before XX/XX/XXXX. '' To CFPB on XXXX XXXX " In reference to Transaction dated XX/XX/XXXX for {$8500.00}. I am now being falsely accused of initiating a new loan on XXXX XXXX, from the same pay portal mentioned above that I requested unauthorized funds to be withdrawn from account. " On XX/XX/XXXX, XXXX XXXX refinanced the original Pawn via Companys online customer portal, by entering into a new Pawn Agreement ( the Refinance Agreement ), the proceeds of which paid off the Pawn under the Refinance Agreements terms and created a new pawn transaction ( New Pawn ). XXXX XXXX also elected to add more funds to the New Pawn, bringing the total Pawn balance to {$4600.00} due on or before XX/XX/XXXX. XXXX XXXX has failed to pay off the Refinance Agreement, which was due by XX/XX/XXXX, leaving an outstanding Pawn balance of {$4600.00} ''. TitleMax refuses to offer any documentation of the deposit of funds on XX/XX/XXXX, or record of withdrawal of funds, totaling {$8500.00}, or any documentation related to the unauthorized XX/XX/XXXX transaction that I reported and asked to investigate. My accusation is that TitleMax 's actions violated the EFTA, TILA, FDCPA in multiple ways. 15 USC 1693b, 15 USC1693c, 15 USC 1963d, USC 1693F, 15 USC 1963g, 15USC 1963H, 15 USC 1693i. There are multiple violations within each of the codes listed in addition to the codes violated that are not listed. I may list them separately based on response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have tried numerous times over the past five months to get a copy of my credit report from Transunion using their websites. Also, I have tried numerous times to submit disputes using their websites. Regardless of the web browser, when I go to submit a request for a credit report or to submit a dispute, the website will advance you to the next page but the next page doesn't provide any way to continue the request for the credit report or submitting the dispute. Furthermore, when I called them to request a copy of my credit report, the representative informed me that I had to mail in the request for my credit report. Also, I was informed that I had to mail in the payoff letter on one of my accounts in order to submit a credit dispute. In today 's electronic age, consumer 's should be able to take care of both of these items online. XXXX and XXXX offer credit reports and disputes online along with the ability to upload documents. Why doesn't Transunion offer these services online??? It seems to me that Transunion is forcing consumers to take outdated and arduous steps to see their credit reports and/or to submit disputes in hopes that they become discouraged and abandon the requests thus saving Transunion money and time by not having or meet the needs of the consumers.

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 2023-04-29 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
When I buy the car I trading a XXXX XXXXXXXX XXXX the value on my XXXX it is about {$10000.00} the dealer put me {$3000.00} only on down payment when I signed a paper they told me that I have a guarantee on the card that I bought it and the car broke down on the second day that I buy and try to go to the dealer and they give me appointment they take like a one week when I take the cart the dealers gone disappeared and change all deals, They finance it to another company and after six months, I found out a letter from Santander consumer, letting them know that I have to pay the loan to then and I never make a business with Santander .The car is broke down from the second day that I bought it and they never answered and they never tell me what theyre going to do with the car, and I supposed to have them warranty so I keep in the car in the garage, I explain everything about the problem. I never do nothing into one day they pick up the car I called him and I let him know the problem with the car and everything and they never do nothing about it, the dealer disappeared another bank, make it deals, never sign it anything to Santander and I feel like Im stealing everything is stealing my home is stealing the cart that I bought it and they want to stealing my money to and they put me on the credit bureau so I want to clean my credit I dont want that count on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: AZ

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my Transunion credit report. My latest credit report shows 2 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report : 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

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 2023-04-29 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: Consumer Financial Services
State: IL

Complaint narrative:
I have been a victim of identity theft I have police report to confirmed I was incarcerated the time of the opening.these items is effecting me and I ask they be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I am writing to submit a complaint against Paramount Residential Mortgage Group ( PRMG ) concerning the misallocation of funds in my mortgage account. This is includes FHA Covid-19 National Emergency Standalone Partial Claim o {$54000.00} in XXXX of XXXX DEO Homeowner Assistance Fund awarded {$49000.00} on XX/XX/XXXX o Despite receiving the both FHA Covid-19 Partial Claim and the DEO Homeowner Assistance Fund to cover past due amounts and 14 months of forward payments, I still face significant financial difficulties. PRMG sends contradicting letters and statements, claiming my account is past due in the amount of {$18000.00} and that my home may go into foreclosure??? while also stating it is in forbearance. This misallocation of funds, harassment, and inconsistency violate my rights as a homeowner.

PRMG has not provided information about programs I may be eligible for under the American Rescue Plan, the extended measures of the CARES Act that provide relief for homeowners impacted by the Covid pandemic, or the expansion of Covid-19 Recovery Loss Mitigation Options Mortgage Letter dated XX/XX/XXXX. Their actions add to the challenges that Americans face as they recover from the financial hardships caused by the long-term effects of the Covid-19 pandemic. This situation is particularly concerning for homeowners who may not have the resources or understanding of their rights, I especially worry about the elderly population and those less fortunate. 

In addition to these concerns, I have encountered difficulties accessing the equity in my home, which I need to make necessary repairs and updates, my windows and doors to be energy-efficient. 
I request a thorough review of my account to ensure correct allocation of all payments and no unwarranted charges. If errors are found, I demand a correction and an adjustment of my account balance. and would like an itemized copy of their findings once review is complete for my records. 

I kindly request your assistance in resolving this matter with PRMG and ensuring that my rights and the rights of other homeowners are protected. Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: CA

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on 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 2023-04-29 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: IN

Complaint narrative:
This CFPB Complaint is being submitted to report that I have been a victim of identity theft. Upon researching how to remove the fraudulent accounts on my credit report, I discovered that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are obligated to remove any accounts and information listed on an ID Theft Report. After recently receiving a copy of my credit report, I was surprised to find several accounts that I did not open and have no knowledge of. Attached documents will assist in blocking the erroneous information from being posted on my report. The following items are in question : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX  XX/XX/XXXX 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 XX/XX/XXXX. I can confirm that I did not open these accounts or give anyone permission to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report it to the authorities. FCRA Section 605B ( a ) requires Credit Reporting Agencies to block any information in a consumer 's file that the consumer identifies as information resulting from identity theft, no later than 4 business days after receipt.

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 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Dear Sir or Madam, My name is XXXX XXXX ; I need assistance from your office at this time to resolve an complaint with TD Bank. On XX/XX/2023 I discovered my secured credit card account have unauthorized overdraft charges from XXXX XXXX XXXX over XXXX. The secured credit card limit was only {$500.00} dollars. I filed a dispute and requested the charges to be denied and removed from my credit card account. 
My requests were denied. 
Nevertheless, my account should have never been charged in an amount almost 4 times over the credit limit. I should have been contacted by their fraud department for suspicious activity. They refused to take accountability for their error. 
At this time, I'm requesting my {$500.00} deposit to be returned immediately. 
I am no longer doing business with TD Bank. My verified charges was paid in full and account closed. 
Thank you in advance for your assistance in this matter. I will govern myself accordingly. 
Sincerely, XXXX XXXX - This message was sent from a mobile device. Please excuse errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29 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: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removefixd the following accounts completely from my credit reports. XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION
State: OK

Complaint narrative:
I have a current account with Sallie Mae. Over a span of 1 week while my loan was current the whole time, Sallie mae contacted me once my brother, mother, sister in law, father in law, and others. I spoke with Salle Mae but who stated they will be doing an investigation but they have beyond harassed me and my family for something that I did not need to address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: CA

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/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 2023-04-29 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: NV

Complaint narrative:
New and updated Information : Previous CFPB Complaint # : XXXX Requesting for a Consumer Financial Protection Bureau Agent or Customer Service Agent to get involved expeditiously in holding Experian accountable to the Federal laws put into place by Congress Please See Attached Bonafide Documentation- to support DEMANDED Block and Deletion of accounts and inquiries USPS Tracking Experian Dispute Center # : XXXX Delivered, XXXX XXXX XXXX, TX XXXX XX/XX/2023, XXXX XXXX  ( Bonafied Documentation Attached below ) USPS Tracking Experian Corporate Headquarters # : XXXX Delivered, Individual Picked Up at Postal Facility XXXX XXXX XXXX CA XXXX XX/XX/2023, 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