vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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:
This is one of my numerous attempts to inform credit bureaus that I have been the victim of identity theft and that I want to check specific data in my documents that were obtained as a result of the crime. The records I'm looking at have nothing to do with any purchases of goods, services, or money that I've made or authorized. Remove off my credit record any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
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 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 2023-05-11 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: CA

Complaint narrative:
This is one of my numerous attempts to inform credit bureaus that I have been the victim of identity theft and that I want to check specific data in my documents that were obtained as a result of the crime. The records I'm looking at have nothing to do with any purchases of goods, services, or money that I've made or authorized. Remove off my credit record any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: SC

Complaint narrative:
This is one of many attempts I've made to alert credit reporting agencies to the fact that I've been the victim of identity theft and that I want to check some of the records in my files that the crime left behind. Any transactions involving goods, services, or money that I have made or authorized are unrelated to the documents I'm looking at. Remove any information that was allegedly obtained through fraud or extortion from my credit record, assuming no one is looking. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
2018 I was hacked and money was stolen out of my checking account. they returned the money then took it out again and overdrafted my account they took back 1 over draft fee and I had to pay back hundreds more.

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 2023-05-11 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:
This is my MANY plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or money. Please take away the following THINGS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1100.00}.

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 2023-05-11 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: CA

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 2023-05-11 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: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
on XX/XX/2023 someone tried to get my credit score and apply for a comenity ultamate rewards master card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The unauthorized inquiries that I would like to dispute are as follows : XXXX on XXXX XXXX on XXXX XXXX on XXXX XXXX  on XXXX I have no affiliation with the companies listed above and did not provide them with authorization to access my credit report. As such, I believe that these inquiries should be removed from my credit report. 

Additionally, I would like to request that an incorrect address be removed from my credit file. The address in question is XXXX XXXX XXXX XXXX XXXX WI, XXXX. I have never lived at this address and have no association with it. Therefore, I request that this address be removed from my credit file as soon as possible. 

Enclosed with this letter are copies of supporting documentation, including evidence of my current address and identity, that clearly demonstrate that these inquiries and address are incorrect and unauthorized. I request that you investigate these items and remove them from my credit report as soon as possible. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate this matter within 30 days of receiving my dispute. I request that you notify me in writing of the results of your investigation, and provide me with an updated copy of my credit report that reflects any changes that were made. 

Thank you for your prompt attention to this matter.

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 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter finance has refused to repay {$7000.00} in overcharged interest to myself after invoking my SCRA rights. they are instead set on putting that towards the principal of the loan, violating federal SCRA. i have tried to contact them regarding this and explaining that is in violation and i am repeatedly told it is policy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Westlake Services, LLC
State: CA

Complaint narrative:
I checked my credit report with all three bureaus this month and noticed that my XXXX XXXX dropped tremendously. I was not familiar with the name of the company, so I immediately disputed the account on my credit report with all three bureaus. Simultaneously, I called the company in question to investigate why they're reporting on my credit report and that it's past due. Unbeknownst to me, this specific company took over payments on an account that I have under my name, named XXXX. I've been making automatic, recurring payments every month, on the XXXX of the month, since XX/XX/2022 with XXXX  and never had any issues. This account is paid automatically via my XXXX XXXX card. I contacted XXXX XXXX, and they provided me with proof of payments via monthly statements. I've submitted proof of payments to all three credit bureaus. Today I received results, and the credit bureau responded by saying that the information on my credit report is accurate, meaning XXXX months worth of late payments from the company in question. I've called them several times, but they can never give me a straight answer as to why they reported my payments late. I've asked to talk to supervisors, and apparently they're never available. It gets better. I called them again today and spoke to a customer representative named XXXX XXXX, who verified my account in their system and specifically said my account is current and has been since XX/XX/2022. I don't know what else to do. Please help! Thank you for your time and assistance!

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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hi my name is XXXX XXXX .I got a call from Citizen Bank saying that if you were the one who withdrew {$80.00} and {$200.00} from an ATM machine at XXXX XXXX XXXX MA XXXX. I replied saying no that was not me and mentioning to them that it must have been a fake card because mine was in my wallet at that time. They asked me to file a fraud claim and said that they would send me a new card, so I filed a claim three times and they only refund {$80.00} not the other {$200.00} and they said that the other {$200.00} was me although I told them that it was not me when called. I tried to call them multiple times but they would not cooperate with me. 
This is my claim number XXXX The company is Citizen Bank . 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concern about the ongoing issue of expired debt still showing on my credit report and being harassed by collection companies. I am a responsible individual who has always made timely payments on my debts, but I am being penalized for something that is beyond my control. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that negative information must be removed from a consumer 's credit report after 7 years. However, I have noticed that several accounts that are over 7 years old are still showing on my credit report, which is negatively impacting my credit score. 

Furthermore, I have repeatedly asked the collection companies to stop their harassing phone calls and letters. Despite my efforts, they continue to harass me. Additionally, I have written to all three credit bureaus 4 times, but I have only received one response indicating that it appears as though I am working with a credit company. This is not the case, and I am unsure how this response is even relevant to my complaint. 

This situation is not only frustrating, but it is also unfair. I believe that collection companies should be held accountable for their actions, especially when they are violating the law. I urge the Consumer Financial Protection Bureau to take action against these companies and ensure that they are abiding by the rules set forth by the FCRA. and delete these negative expired items right now. 

Account XXXX XXXX XXXX from XXXX XXXX  XXXX from XXXX company XXXX XXXX XXXX was sold to. they are harassing me and i don't like it. 
XXXX XXXX XXXX XXXXXXXX from XXXX In conclusion, I would appreciate any assistance you can provide in resolving this matter. I look forward to hearing from you soon. 

4 credit bureaus letters sent to all 3 bureaus on the dates below and no response at all... reading your website that is not allowed am i reading this correctly? 
. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: TX

Complaint narrative:
I hope you will investigate and have actions to verified these accounts. I am still disputting some accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. These are the accounts that continuing reporting on my file : DEPTEDXXXX XXXX BalanceOwed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. DEPTEDXXXXXXXX XXXX Balance Owed : {$19000.00} - How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading. XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is undoubtedly classified as a charged-off account ; could you please explain why there is a balance. XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX XXXX Balance Owed : {$5300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removedXXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} - The number of late payments isincorrect. I never missed a payment. Please adjust immediately. DEPTEDXXXX  Balance Owed : {$23000.00} - Please take off the late things from this account because I think I made my payment on time. DEPTEDXXXX XXXX BalanceOwed : {$19000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$2400.00} - This charge off account is reported in violationof the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.

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 2023-05-11 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: TX

Complaint narrative:
I hope you will investigate and have actions to verified these accounts. I am still disputting some accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. These are the accounts that continuing reporting on my file : DEPTEDXXXX XXXXXXXX BalanceOwed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. DEPTEDXXXX XXXX Balance Owed : {$19000.00} - How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading. XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is undoubtedly classified as a charged-off account ; could you please explain why there is a balance. XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX XXXX Balance Owed : {$5300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed.XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} - The number of late payments isincorrect. I never missed a payment. Please adjust immediately. DEPTEDXXXXXXXX Balance Owed : {$23000.00} - Please take off the late things from this account because I think I made my payment on time. DEPTEDNELNET XXXX BalanceOwed : {$19000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$2400.00} - This charge off account is reported in violationof the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent certified letters to all three credit reporting agencies on XX/XX/23 asking them to delete the XXXX XXXX Account that are on my credit reports. The creditor and I made an agreement on the debt that if I paid and satisfied the debt it would be deleted from my credit reports. I sent them the proof that this was the case and that I had paid the debt and to please delete but, they did not delete the account it was just updated instead.

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 2023-05-11 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:
I sent certified letters to all three credit reporting agencies on XX/XX/23 asking them to delete the XXXX XXXX Account that are on my credit reports. The creditor and I made an agreement on the debt that if I paid and satisfied the debt it would be deleted from my credit reports. I sent them the proof that this was the case and that I had paid the debt and to please delete but, they did not delete the account it was just updated instead.

Company response to consumer: Closed with explanation