vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : Exter Finance XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: World Acceptance Corporation
State: AL

Complaint narrative:
I have sent several letters to World Acceptance Corporation to fix the issues on my credit bureaus even to verify that the accounts are mines and they write me back talking about that I did not provide enough information about the disputes for them to work with. Either they have my signature or contract or they don't. That just tells me that they report incorrect information to the credit bureaus and think you suppose to accept it. I want all of there information off of all 3 credit bureaus if they don't have the verification then the accounts should be deleted don't know if I got the loan or not. They will not respond to a simple verification letter, with all the information that they needed was highlighted in red. The steps was in a 123 format. Then write back talking about not enough information, If you have my name, social security number, account number, and address what else information do you need to see if I ever have an account with the company but they can take a loan out in your name if a thief gave them your information though.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have tried to access my account online tonight after returning from work. I received a notification that account was suspended due to activity on my account. I have a fraud protection on my accounts which requires my bank to contact me both via email and cellphone upon any notice of suspicious activity. This was not done, either by email or phone. When i contacted them today they said the suspicious activity which had triggered this was a wire transfer request made on XX/XX/25 to a person already listed under my wire transfer contacts, to whom i had made transfers in the past for the amount of XXXX XXXX They would not give me more information and they refused to activate my online account. I have been a chase customer for over 20 years, i have account balances which are high and substantial. I would like you to take immediate action and follow up this matter on my behalf. Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent your company a certified letter, disputing two ( 2 ) credit inquires on my credit report. 

1. XXXX 2. XXXX XXXX This is a breach of Fair Credit Reporting Act, Section 1681B ( C ). I remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent several letters to XXXX XXXX XXXX to fix the issues on my credit bureaus even to verify that the accounts are mines and they write me back talking about that I did not provide enough information about the disputes for them to work with. Either they have my signature or contract or they don't. That just tells me that they report incorrect information to the credit bureaus and think you suppose to accept it. I want all of there information off of all 3 credit bureaus if they don't have the verification then the accounts should be deleted don't know if I got the loan or not. They will not respond to a simple verification letter, with all the information that they needed was highlighted in red. The steps was in a 123 format. Then write back talking about not enough information, If you have my name, social security number, account number, and address what else information do you need to see if I ever have an account with the company but they can take a loan out in your name if a thief gave them your information though.

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 2018-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: GVA Holdings, LLC
State: AL

Complaint narrative:
The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.

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 2018-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested, via certified mail, that XXXX and Equifax remove all old address from my credit report. There are up to nine ( 9 ) addresses that are being reported that are untrue. My correct and only address is XXXX XXXX XXXX XXXX XXXX FL XXXX.Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not re-portable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: FL

Complaint narrative:
I have requested, via certified mail, that Experian and XXXX remove all old address from my credit report. There are up to nine ( 9 ) addresses that are being reported that are untrue. My correct and only address is XXXX XXXX XXXX XXXX XXXX FL XXXX.Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not re-portable as per the FCRA, since they are inaccurate.

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 2018-03-27 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: FL

Complaint narrative:
I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.

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 2018-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have several payday loans on my credit reports that were applied for online. After several disputes some were removed from two of my credit reports. I did not apply for these loans at all and received no cash in hand. Around this time my bank account at XXXX and XXXX XXXX were also compromised. I am a XXXX year XXXX veteran and we are prohibited from these places. I have contacted each company but they insist they have proof of the loan. I have seen the documents and this is not my payroll signature on these documents. These are on my XXXX  account. I have disputed already in XX/XX/XXXX. 
I have no knowledge of t hese accounts//Accounts are fraudulent. 
XXXX XXXX XX/XX/XXXX {$310.00} Speedycash XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XX/XX/XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: Byrider Franchising, LLC
State: NV

Complaint narrative:
CNAC is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a 2010 vehicle for fifteen thousand. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXX Act # XXXX, XXXX  XXXX XXXX  Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.

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 2018-03-27 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: WA

Complaint narrative:
AFFIDAVIT OF TRUTH SIGNED BY LOCAL NOTARY, SENT VIA XXXX CERTIFIED MAIL # XXXX. I sent a demand to EXPERIAN notifying them that there is inaccurate and false address on my credit file. I certify that i have never lived in the city of XXXX. as a matter of fact both of these addresses are not even XXXX DELIVERABLE, please Amend these errors. 

EXPERIAN ALWAYS CLAIM THEY CAN NOT CORRECT THESE ITEMS BECAUSE A CREDITOR IS ISSUING THE DATA, BUT THAT IS FALSE. HOW IS IT XXXX, XXXX ARE ABLE TO FIX THIS SIMPLE ISSUE YET YOU CAN NOT? 

I INTEND TO SUE IN FEDERAL COURT AND INTRODUCE INTO EVIDENCE MY AFFIDAVIT OF TRUTH OF WHAT I ASKED EXPERIAN TO AMEND IF THEY CONITUE WITH THEIR NEGLIGENT NON-COMPLIANCE.

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 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
At the time if this debit I apply fir financial assistance due to the fact the I was working part time with XXXX kids and I was approve 100 % but i also was referred out for physical therapy which also part of the hospital company so the bill i got was not paid and was added to my credit I also applied for a dispute and it still have not been resolved as of today XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
The credit bureaus is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking them to remove them and they have not so im filing a compliant against them for unfair credit reporting Credit inquiries XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX 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 2018-03-27 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: NV

Complaint narrative:
XXXX is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a XXXX vehicle for XXXX XXXX. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days  after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: CA

Complaint narrative:
Child Support is being reported on my credit report like it is a loan. I did not receive any money from XXXX XXXX XXXX so why is it being reported as a loan. There are already state services that can be revoked by not paying child support. That is there jurisdiction. Credit is not.

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 2018-03-27 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: DISCOVER BANK
State: MA

Complaint narrative:
My husband passed away on XX/XX/XXXX leaving behind a Discover account that was for his business use. I provided Discover with a death certificate and they switched his account to my name, although I had not opened nor signed for the account. I have spent 16 months trying to work with them and eventually turned it over to my attorney, at an additional expense to my family, when the correspondence and phone calls became harassing. Discover has been unable to prove it is my account because it is not. Other creditors offered their condolences and immediately resolved the matter once they were informed of XXXX ' passing. I have spent countless hours with Discover while grieving and attempting to help our children. I am respectfully requesting that Discover remove my name from XXXX account and remove the account from my credit report. My attorney has requested numerous times that documentation be provided that it is my account and Discover is unable to do so. It has been 16 months and the matter needs to be resolved as quickly as possible please. The most recent correspondence from Discover is date XX/XX/XXXX and says that another investigation is happening.

Company response to consumer: Closed with non-monetary relief