vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 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:
I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. XXXX of which consist of XXXX XXXX XXXX credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX XXXX person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to XXXXXXXX XXXX  as well as TransUnion and XXXX all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from XXXX XXXX that states their reporting is accurate because " payments were made to that account. '' XXXX failed to include any supporting documents, yet is being permitted by both TransUnion and XXXX report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record XXXX XXXX XXXX used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX XXXX XXXX, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from XXXX XXXX XXXX regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.

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 2022-10-09 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:
I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. 2 of which consist of XXXX XXXX XXXX credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX the person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to XXXXXXXX XXXX as well as XXXX and Experian all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from XXXX bank that states their reporting is accurate because " payments were made to that account. '' XXXX failed to include any supporting documents, yet is being permitted by both XXXX and Experian report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record XXXX XXXX XXXX used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX XXXX XXXX, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from XXXX XXXX XXXX regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX and myself taken to court for past due rent see attached files. Mobile home park not awarded total asking for court awarded {$370.00} total judgement all we were to pay {$370.00} awarded XX/XX/2017 judgement paid in full XX/XX/2017. Mobile home park reported to XXXX XXXX XXXX  agency balance of what they were sueing us for they report we still owe {$460.00}, after giving XXXX XXXX for {$370.00} we were ordered to pay by court. I have sent copies to XXXX XXXX XXXX XXXX XXXX XXXX home office to no avail. This is still being reported on our credit files erroneously since XXXX. I have also sent copies to all 3 credit bureaus the state info is accurate. This is just not true and they have not deleted this off our credit files. Please 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 explanation
Consumer complaint received 2022-10-09 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I opened a Navy Federal Savings & Checking back in XXXX noticed in XXXX that there was a card opened under my name & some charges on my debit card that I didnt authorized as well.I spoke to numerous reps about the issues with the credit card & debit card.I sent in a police report about the issues and spoke with the credit bureaus about the credit card and it was removed from my file.I even sent the results to show the deletion of Navy Federal and I still owe XXXX XXXX.I dont understand how the bureaus deleted the Navy Federal & informed the bank about but the debt is still at the bank since XXXX.I tried reaching out to corporate about this several times.I left voicemails & I spoke to the bank & the fraud department numerous times and the debt is still there but its not on my credit report.The bank is taking {$110.00} from my account since XXXX XXXX.I had my account since XXXX, I spoke to a guy name XXXX from Navy Federal fraud dept back in mid XXXX was working with me to help me with my issues but I had to get medical attention and I lost contact with him, I tried looking back into this matter again and its still nothing resolved with this fraudulent credit card opened under my info without my knowledge & my debit card was compromised & used without my knowledge.I spoke with the bank about the credit card and the fraudulent transactions on the debit card and I was treated wrong behind my issues and I was told that the credit card that was opened fraudulently was denied when I was on the phone in XXXX with a banker and my debit card claim was denied as well afterwards.I reached out to the bank numerous times about the issues, I sent a police report since XXXX and the credit card was removed from my credit report in XXXX gave XXXX from the fraud department back in mid XXXX some numbers from my statements that shows the fraudulent charges from my debit that I have no knowledge of and XXXX advised me to go on the online banking and he sent something to me to help with my issues and wanted the bank statements with the fraud charges.I had to get medical attention and had to put that on hold I still have the statements and Im looking for closure with this with my Navy Federal account & with the credit card I have no knowledge of and the account was removed from my credit report back in XXXX due to fraud.Please help me resolve this matter.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XXXX XXXX, 2022, I request that my information be checked because of some suspicious activities. I reported this information to Synchrony Bank for my Lowes XXXX card, Discount tire and Rooms to go. Someone has committed fraud on my account. Using the consumers to create and purchase item under my name.

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX and myself taken to court for past due rent see attached files. Mobile home park not awarded total asking for court awarded {$370.00} total judgement all we were to pay {$370.00} awarded XX/XX/2017 judgement paid in full XX/XX/2017. Mobile home park reported to XXXX XXXX XXXX XXXX balance of what they were sueing us for they report we still owe {$460.00}, after giving XXXX XXXX for {$370.00} we were ordered to pay by court. I have sent copies to XXXX XXXX and XXXX XXXX XXXX home office to no avail. This is still being reported on our credit files erroneously since XXXX I have also sent copies to all 3 credit bureaus the state info is accurate. This is just not true and they have not deleted this off our credit files. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX and myself taken to court for past due rent see attached files. Mobile home park not awarded total asking for court awarded {$370.00} total judgement all we were to pay {$370.00} awarded XX/XX/2017 judgement paid in full XX/XX/2017. Mobile home park reported to XXXX XXXX XXXX agency balance of what they were sueing us for they report we still owe {$460.00}, after giving us credit for {$370.00} we were ordered to pay by court. I have sent copies to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to no avail. This is still being reported on our credit files erroneously since XXXX. I have also sent copies to all 3 credit bureaus the state info is accurate. This is just not true and they have not deleted this off our credit files. Please 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 2022-10-09 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: CA

Complaint narrative:
equifax, XXXX, XXXX said the what they are reporting is accurate... attached is my credit report saying it's not .... obviously they didn't do an investigation because my credit report is still the same ... ... dates and amounts are wrong!! you can see it for yourself ... ..that 's a violation... let 's not waste each other 's time and correct the situation!! I'm tired of going back and forth... IF THERES INCONSISTENCIES DELETE IT! 


this is for the XXXX XXXX XXXX XXXX and account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I purchased a car in XX/XX/2022 and tried to make payments that was denied because they were partial payments. Also Social Services try to make payments on my behalf that was denied because they had a credit card. My car was repossessed in XX/XX/2022 due to the payment issues I was not able to come to an agreement with them on making a payment or making past due in order to get my car back on my XXXX XXXX it shows that my payments were all on time and I was up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: KY

Complaint narrative:
Ive received serval pre approved credit card offers and when Ive applied to them Ive been denied. This has happened several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: NJ

Complaint narrative:
I received email from XXXX XXXX at XX/XX/2022, TransUnion reported at XX/XX/2022. It says, it looks like a lender checked your credit. I did not authorize any lender to check my credit and I dont know who checked my credit

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 2022-10-09 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: PA

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.

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 2022-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX was financed through XXXX Consumer on XX/XX/XXXX. Repossession as of XX/XX/XXXX. Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: PA

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.

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 2022-10-09 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: PA

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX reported to my credit report my account is charged as a charge off meaning they receive a XXXX from the IRS, meaning they have a tax credit. They can not collect from me and the irs so I will like them to update balance to 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 2022-10-09 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: NC

Complaint narrative:
My name is XXXX 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 no consent is fraud.

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 2022-10-09 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: NC

Complaint narrative:
My name is XXXX 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 no consent is fraud.

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 2022-10-09 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: NC

Complaint narrative:
My name is XXXX 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 no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account was opened in XX/XX/XXXX and closed in XXXX. This surpasses the statue of limitations for reporting to credit bureaus

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