vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I submitted a dispute to XXXX twice requesting that they change the status of my exeter finance account due to the fact that I received a loan payment extension for the two months that show past due which are XXXX XXXX  and XX/XX/XXXX. I received a dispute update on XX/XX/XXXX that showed that XXXX  did not contact exeter to verify the information and the status of the account. I also contacted exeter about the issue and was told to dispute the information with credit bureau. I submitted the proof of payment extension to XXXX for them to update my account but they refuse to do it. 

All I want is for the exeter finance account to be updated to show that there are no late payments and the account is current as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute to XXXX twice requesting that they change the status of my XXXX XXXX  account due to the fact that I received a loan payment extension for the two months that show past due which are XX/XX/XXXX and XX/XX/XXXX. I received a dispute update on XX/XX/XXXX that showed that XXXX  did not contact XXXX to verify the information and the status of the account. I also contacted XXXX about the issue and was told to dispute the information with credit bureau. I submitted the proof of payment extension to XXXX for them to update my account but they refuse to do it. 

All I want is for the XXXX XXXX  account to be updated to show that there are no late payments and the account is current as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a secured credit card with XXXX XXXX. I'm currently fighting an aggressive XXXX XXXX and have been unable to work due to the side effects of the XXXX so I can no longer pay on credit card. I have not missed any payment nor have I ever been late on any payments. I called XXXX XXXX to close the account and they told me that it would take ninety days before they can close the account. Which meant they needed 3 additional payments on the account. I really don't understand this. If they were closing the account and it was secured I wouldn't have to make a payment at all. I am in a situation where I'm need the money to make my co-payments for XXXX. I need to know why I have to make ( 3 ) additional payments on an account that I requested to be closed? It's a secured account that closed so no transactions will be approved. I think it's just the bank 's way of ripping people off for an additional ( 3 ) payments.

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 2023-02-17 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer right to private and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, consumer has come to the understanding that Credit Collection Services is in violation of my rights to privacy. ( see attachments )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy XXXX XXXX have two fraudulent accounts reporting to my consumer report. Im placing my police report for the 3 consumer reporting companies to block this account at once I wasted to much time trying to have this frozen that account removed from my consumer report. 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.

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 2023-02-17 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: MD

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN A OPEN FRAUDULENT THAT IVE NEVER APPLY OR REQUESTED, THIS ACCOUNT IS XXXX XXXX AND XXXX XXXX XXXX ACCOUNT IS FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION 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 2023-02-17 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 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$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 2023-02-17 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 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: CA

Complaint narrative:
When I reviewed my Credit Report there are still erroneous accounts that are included in my file. I sent a complaint earlier this year specifically on XX/XX/2023, to dispute these accounts : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sent a letter on XX/XX/2022 advising that inaccurate information is being reported on my credit profile. All three credit Bureaus are posting conflicting information examples listed below : Balances are reporting Different with all three credit Bureaus Last Activity date is different Date Account was open is different Accounts Showing Open and Closed Accounts Showing Past Due account on Closed accounts Collection Agency has not investigated or corrected the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: GA

Complaint narrative:
I received a copy of my credit report and noticed inquiries from companies that I did not apply for an account with, nor did I give permission for them to access my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I reached out to these companies to inform them that I hadn't applied for an account with them and to make sure an account wasn't opened. All advised me that no account was established in my name. I then reached out to notify the credit bureau Transunion of the fraudulent inquiries that appeared on my credit report as a result of this attempted fraud. They asked me to mail my dispute in by mail along with a report from the FTC, which I did. I have made multiple attempts to fix this issue with Transunion to no avail. I have explained the situation to multiple agents, I've sent letters ( per their request ), and I have filed a fraud complaint with the Federal Trade Commision and submitted this documentation to Transunion. In accordance with the Fair Credit Reporting Act this violates my rights. It is unlawful to knowingly report inaccurate or fraudulent information on a credit 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 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: WY

Complaint narrative:
On XX/XX/XXXX and XXXX, I found out that I have 2 cards that can't be used and can't check the balance. I called the customer and asked what was wrong with my card. They told me that they locked my card and will Replace a new card for me, I called them on XX/XX/XXXX, and told me that I will receive new cards on XX/XX/XXXX and XXXX, respectively, a {$500.00} card ending in XXXX, and {$300.00} card that ends in XXXX, but I didn't receive it until today, I found out that they sent the card to a wrong address, XXXX XXXX XXXX XXXX XXXX, there is a small error in this address, the correct one is XXXX XXXX XXXX XXXX XXXX, I asked to resend me to the correct address, or change the two replacement cards to the correct address, but they refused me, gave me the case number and kept me waiting, I have been waiting for half a month Didn't receive my card, and asked me to continue to wait, and asked me to upload my privacy documents, the gift card is originally an anonymous shopping card, even though I uploaded my purchase receipt, I didn't get a reply from them as soon as possible, I'm so helpless, I don't want to lose XXXX dollars, this is my family 's money to buy food, I've waited too long, please help case number is XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXXXXXX XXXX All Banks XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XXXX 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 XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/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 2023-02-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXXXXXX XXXX All Banks XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXd XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX Experian XXXX XXXXXXXX XXXX Credit Cards XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XXXXXX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian

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 2023-02-17 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: NY

Complaint narrative:
In accordance with the fair Credit Reporting Act. The list of inquiries below has " Violated '' my Federally Protected Consumer Rights to Privacy & Confidentiality under 15 USC 1681 Hard Inquiries XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX 15 USC 1681 Section 602A : States I have the right to Privacy XXXX*15 USC 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account " without my written instructions '' **15 USC 1681c. ( a ) ( 5 ) Section States : No Consumer Rep

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 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
XX/XX/2022 Enhance Recovery Company trying to charge me {$670.00} for someone using my identity to put a cable bill in my name that I had no clue about. I reach out to them to get it resolved and I cant seem to get the response I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been receiving letters from Bank of America that someone is opening bank accounts using my name and address but not my social security number. The first letter that I received was to verify my information ; I called their fraud department but they said that they could not help me over the phone, I drove an hour and an half to a Maryland office, and they said that that account will closed for not verification. But it looks like they tried again successfully and now Bank of America is harassing me because whoever opens the account cashed a fraudulent check.

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