vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 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: AR

Complaint narrative:
This complaint is a follow-up complaint in line with my previous attempt. I need you to remove or block the reported items in my file for I believe they are erroneous. 
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 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 non-monetary relief
Consumer complaint received 2023-03-18 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: Exeter Finance, LLC.
State: NV

Complaint narrative:
EXETER FINANCE claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurately. However, this account is still inaccurate and EXETER FINANCE is continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. I want all late payments removed or the account XXXX XXXX  XXXX deleted for inaccuracy because the date opened is reported as XX/XX/XXXX on XXXX XXXX and XX/XX/XXXX on XXXX. There was no notice of dispute on XXXX, and only XXXX reported my dispute which is a violation. The date last active shows XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX which means the account was re-aged and thats a violation. The late payments are reported inaccurately and inconsistently on XXXX and XXXX. I cant figure out how you verified these late payments when the only form of verification is the bank statement belonging to this company. I need to see all original bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these inaccurate and unverified late payments. Each Bureau has a different historical payment date. Delete this account for inaccuracy because 2-3 bureaus report different information. EXETER FINANCE has violated my rights numerous times. 15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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. 15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 15 U.S.C. 1692 Section 806 Section ( 5 ) Causing a telephone to ring or engaging any person in a telephone conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: AR

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$46000.00}

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 non-monetary relief
Consumer complaint received 2023-03-18 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: Lentegrity Management, LLC
State: CO

Complaint narrative:
Lentegrity has been fraudulent put on my credit reports and used to try and steal from me. I am having issues getting the title for a vehicle I own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2023-03-18 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$0.00} ; 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: NM

Complaint narrative:
This is my fourth endeavor via CFPB Complaint 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 XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX  XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX Balance XXXX {$2700.00} XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. I am formally requesting that you include the following fraudulent items to be removed from my Credit report. If you are unable to send me any documents pertaining that the disputed items belong to me, immediate deletion of the diputed items will be appreciated.

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 2023-03-18 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: NM

Complaint narrative:
I contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$31.00}. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law.

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 2023-03-18 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
From XX/XX/2023 - XX/XX/2023 {$57000.00} were charge and deducted from my Chase bank accounts. I contact the bank and dispute this charges were not made by me, the charges were from two companies - XXXX and XXXX. I've use this companies in the past and never use that much money and stop using this companies as of XX/XX/2023. In XXXX and XXXX the total amount were {$57000.00} I contact Chase bank and they denied my claim because they said their were emails sent to me regarding this and that they said I press confirm in the email which I not confirm any emails. I did not use or authorized this charges to my account, and Chase bank is pointing finger to tell me go talk to someone else because they refuse to refund me this amount when I did not or authorized this charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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:
one-man financial 11/29/2021
one-man financial 11/03/2021
Sarma/NCS Jun 02,2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-03-18 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: NM

Complaint narrative:
This is my fourth endeavor via CFPB Complaint 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX AV XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX Balance XXXX {$2700.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. I am formally requesting that you include the following fraudulent items to be removed from my Credit report. If you are unable to send me any documents pertaining that the disputed items belong to me, immediate deletion of the diputed items will be appreciated.

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 2023-03-18 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: NM

Complaint narrative:
I contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX Balance : {$31.00}. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law.

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 2023-03-18 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: NM

Complaint narrative:
I contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$31.00}. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CO

Complaint narrative:
XXXX has been fraudulent put on my credit reports and used to try and steal from me. I am having issues getting the title for a vehicle I own.

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 2023-03-18 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: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Reel Time Capital LLC
State: FL

Complaint narrative:
I received a call from a XXXX XXXX on XX/XX/2023 stating that she was a process server and was trying to locate me. I told her who I was and she told me that she could not tell me why she was calling, that I had to call another number to get information. She called from a spoofed number XXXX. The number she wanted me to call back was XXXX. I called the number to see what is going on and the person who picked up identified herself as XXXX. XXXX proceeded to tell me that she was from Capital concerning a payday loan. When I questioned her to ask for debt verification and the companys name she became very rude and abusive. She presented herself as a process server and stated papers were being filed against me in the county. When I asked for her license and was she just a debt collector she refused to give me any information and just continued to talk over me so I ended the call. On XX/XX/XXXX, this same person contacted my daughters. When I called back and told her that she had already talked with me and that she was violating the Fair Debt Collection Act by contacting a third party and telling that third party that I was being sued for some type of debt, she said to me Maam just give it up. This company has violated the Fair Debt collection act by contacting relatives after they have spoken to me, and they also refused to identify themselves. Also very abusive when speaking with me and telling third parties that I owe a debt after speaking with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
There were accounts put in my name that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
In XXXX XXXX  every account I have was hacked. Hackers went into my email and went into all accounts associated with that email. The hacker added themselves as authorized users on every one of my accounts using the name XXXX XXXX. The hacker then ordered credit cards with their name on it. The hacker also added a stolen bank account as an account linked to the credit account. They ran up a bill and even used the stolen back account to pay the credit bill down to a XXXX balance ( increasing the credit limit so that they could purchase things again ). The owner of the stolen bank account that was used fraudulently had all of the payments reversed leaving a bill over {$8000.00}. The credit limit on the card was only {$2000.00}. I have spoken with the fraud department numerous times regarding this issues and they dont seem to care or even understand the situation. Ive worked very hard on building my credit and my score dropped over XXXX points to this. I have a great credit and payment history on all accounts. I dont know what to do or where to turn to get help. Im desperate here

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