vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: FL

Complaint narrative:
In accordance to the Fair Credit Report Act, the following accounts has violated my rights. 
XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Inquiry ) 15 U.S.C. 1681 section 602 states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Paid off my Car loan in XX/XX/XXXX. There was never a payment that was late on XX/XX/XXXX or XX/XX/XXXX. Infiniti is incorrectly reporting to XXXX and I was never 30 days late on any of those payments around that time. I spoke with someone at Infiniti and made sure all my payments were good and they confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-13 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:
XX/XX/22 i got alert from XXXX  saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account XXXX XXXX XXXX knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer

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 2022-09-13 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:
XX/XX/22 i got alert from experian saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account XXXX XXXX XXXX knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
So I received a letter of declination for a Target XXXXCard. However, I did not make an application for the card. This letter was dated XX/XX/2022. About the same time last year, I received a letter like this too, and I disregarded it because the application was still denied. Yet, upon recent events, I have noticed that I have been receiving many applications from other credit card companies saying I have applied for their card and are requesting information, etc., but again I have never applied. Thus, I believe I am going through identity theft. The declination letter I received from Target is asking me for a copy of my driver 's license, front and back of SS, and a utility bill from the last 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$2500.00} Credit Limit High Credit {$2500.00} Available Credit Account Dates Date Opened XXXX XXXX, XXXX  Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And never use this!!! 
Reported Balance {$75.00} Credit Limit {$300.00} = Credit Utilization 25 % 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 % Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$75.00} Credit Limit {$300.00} High Credit {$75.00} Available Credit {$220.00} Account Dates Date Opened XX/XX/2022 Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact For questions regarding this account please contact : INDIGO - XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX and this one also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed 3 Activity Designator Terms Frequency MONTHLY Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$2500.00} Credit Limit High Credit {$2500.00} Available Credit Account Dates Date Opened XXXX XXXX, XXXX  Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX And never use this!!! 
Reported Balance {$75.00} Credit Limit {$300.00} = Credit Utilization 25 % 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 % Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$75.00} Credit Limit {$300.00} High Credit {$75.00} Available Credit {$220.00} Account Dates Date Opened XX/XX/2022 Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact For questions regarding this account please contact : INDIGO - CELTIC BANK XXXX XXXX XXXX XXXX XXXX XXXX  and this one also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Have violated my rights. 

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

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 2022-09-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # s : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Have violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This has caused me tremendous anxiety, stress, and financial hardship.

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 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
There is a collection popping up on my credit for XXXX dollars for a apartment I never lived in or even had knowledge of. This address popped up last year on my credit saying I resided there. This was disputed, figured out and removed from my report on XX/XX/2021. I had neither lived in this place, visited or even applied to live here. Somehow this company has my information, I created a fraud alert for every company to know my identity has been stolen, nobody contacted me so Im not sure why this apartment was allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am messaging you in regards of my bank refusing to give me my money back. I received 2 fictious checks ( from XXXX XXXX Bank ) after completing a XXXX XXXX for a stranger. She told me her bank wrote charge wrong and told me to clear the check and send the money back to her. I sent through XXXX. This happened 2 times and I had to send my personal money that resulted in {$3100.00}. I've filed a dispute with my bank, PNC but they refused to reimbursement my stolen money. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Credit Karma, LLC
State: PA

Complaint narrative:
XXXX XXXX has a button to Check Rates of companies to see where your rate is on a competitive basis. I just received an email telling me that by clicking on that button I applied for a loan which I never did. When I replied that I never applied for a loan it was returned to me saying that the email I replied to can only send messages not receive them. This is a total scam without my consent. Please investigate! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Alpha Recovery Corp
State: MD

Complaint narrative:
The loan that I have been sending money monthly was sold to this company XX/XX/2022 They started calling me all day all night. On XX/XX/2022 I talk to them, telling them that I was not working And he said well the amount you was sending the other company not gon na cut it with us! I was telling them that my husband was paying everything for me and I would see if he could send them more monthly and try to get a lump some together if he could get a loan. He was saying how about XXXX and I was saying Im not sure I would definitely talk to him and call you back.The he said hold on and the call was dropped.Then they started calling me again all times that night. And started again early morning.I called him back on Tuesday XX/XX/2022 to see if my husband could send a little more monthly while he applied for some loans to pay a lump sum, The guy started talking over me yelling this not how this works!!!! you just need to have your husband call me!! Good by!! Good by!!! And hung the phone up in my face .The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ill XXXX ph XXXX. The company I have been sending payments to was Alpha Recovery Corp XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ph XXXX here are my receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: PR

Complaint narrative:
Ive been a victim of identity theft I have not authorized no one to open a Bank XXXX XXXX credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXXXXXX XXXX XXXX  bank XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.

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 2022-09-13 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: PR

Complaint narrative:
Ive been a victim of identity theft I have not authorized no one to open a Bank XXXX XXXX credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXXXXXX XXXX XXXX bank XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.

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 2022-09-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Paid off my Car loan in XX/XX/XXXX. There was never a payment that was late on XX/XX/XXXX or XX/XX/XXXX. XXXX is incorrectly reporting to experian and I was never 30 days late on any of those payments around that time. I spoke with someone at XXXX and made sure all my payments were good and they confirmed.

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