vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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:
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Per 15 usc 6802 a financial institution which has been listed above XXXX not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX is not affiliated with EQUIFAX they can not disclose any nonpublic information to EQUIFAX without my consent which I have not given any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX application for a personal loan of {$35000.00} I did not ever apply for a personal loan with XXXX 
Letter of denial dated XX/XX/XXXX. XXXX application on XX/XX/XXXX. 
Application number XXXX Reported to XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Credit card application XXXX letter dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Fraud Credit Card application REF Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX have a credit freeze. I'm a victim of identity theft.

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 2022-10-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX  XXXX : # XXXX XXXX Sc : # 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : # XXXX XXXX XXXX # XXXX XXXX : # XXXX XXXX XXXX  # XXXX has 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.

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 XXXX 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 2022-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX  XXXX XXXX Florida XXXX. There are multiple credit bureaus reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. There are multiple credit bureaus reporting inaccurate information on my 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 2022-10-24 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I received a credit alert that informed me of several new accounts from Affirm that were created in my name. I have never had an Affirm account and I have never done any business with Affirm. These accounts are not mine and I did not open them. I am a victim of identity theft and I believe these accounts from Affirm are a result of that identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: OR

Complaint narrative:
I submitted Western union with copies of the money orders I purchased. Now they are requesting proof I sent copies everthing. I have no of those things anymore because my house was robbed and XXXX XXXX XXXX XXXX for XXXX lost all personal documents. I submitted {$2500.00} in moneys to them {$1000.00} {$1000.00} {$400.00} {$100.00} to date I have not received anything from them. This information was mailed in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NV

Complaint narrative:
I AM NOT A AUTHORIZED USER ON THIS ACCOUNT XXXX XXXX XXXX  XXXX Late Last Updated : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX of your credit limit. 

XXXX XXXX ( Stay below ) XXXX XXXX  Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your XXXX XXXX. 

Payment Information Payment Status Late 90 Days Past Due Amount {$470.00} Highest Balance {$1700.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX {$1600.00} XXXX XXXX  XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX of your credit limit. 

XXXX XXXX ( Stay below ) XXXX XXXX  Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1100.00} Keeping your credit usage below XXXX XXXX will keep you in good standing with lenders and may lower the impact to your XXXX XXXX. 

Payment Information Payment Status Late 120 Days Past Due Amount {$480.00} Highest Balance {$1600.00} Monthly Payment {$110.00} XXXX XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX XXXX Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to report this account FAQs Privacy Policy Terms and Conditions

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 2022-10-24 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: NV

Complaint narrative:
I AM NOT A AUTHORIZED USER ON THIS ACCOUNT XXXX XXXX XXXX XXXX Late Last Updated : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX  of your credit limit. 

XXXX XXXX  ( Stay below ) XXXX XXXX  Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 90 Days Past Due Amount {$470.00} Highest Balance {$1700.00} Monthly Payment {$120.00} Times 30/60/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX {$1600.00} XXXX XXXX  XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 142 % of your credit limit.

30 % ( Stay below ) 142 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1100.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$480.00} Highest Balance {$1600.00} Monthly Payment {$110.00} Times 30/60/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to report this account FAQs Privacy Policy Terms and Conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 15 usc 6802 a financial institution which has been listed above may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX is not affiliated with XXXX they can not disclose any nonpublic information to XXXX without my consent which I have not given any consent.

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 2022-10-24 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: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} PENTAGON FCU XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times 30/60/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks -- Creditor Name PENTAGON FCU Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to r

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 2022-10-24 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 2022-10-24 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are the hard inquires that I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXXXXXX XXXX XXXX XXXX As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt. 

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt. 

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY. 

As codified by federal law these accounts must be closed and must be removed as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal wont allow me to open an account with them, according to them there is one with my information. I have never opened an account with Paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TN

Complaint narrative:
I have sent this same dispute to Transunion three times the first two they said they never got it then the next time they some old stall letter and has yet to review. This is not fair that someone has taken my identity and they refuse to help me. Please delete these inquiries from my report. 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 2022-10-24 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: FL

Complaint narrative:
THERE IS AN ACCOUNT FROM XXXX XXXX XXXX Account Number : XXXX FOR {$11000.00}, IT'S FRAUD AND I DID NOT AUTHORIZE OR REQUEST AUTHORIZATIONS OF THIS ACCOUNT LISTED IN THIS REPORT. MY INFORMATION IS COMPROMISED. THERE HAS BEEN SEVERAL ACCOUNTS THAT BEEN ATTEMPTED TO OPEN WITHOUT MY AUTHORIZATION, AND HAS BEEN INSERTED INTO MY CREDIT REPORT WITHOUT PROPER VERIFICATION. IT IS UNLAWFUL ACCORDING TO THE FCRA AND A VIOLATION 15USC1681. IM DEMANDING FOR THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT VIA XXXX, EQUIFAX, AND XXXX. THIS IS HIGHLY AFFECTING MY LIFE AS AN INDIVIDUAL THAT'S TRYING TO PROGRESS THROUGH MY FINANCES. I'VE EVEN FILED A POLICE REPORT AND AND FTC REPORT TO ONLY BE IGNORED. THIS IS UNPROFESSIONAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NV

Complaint narrative:
I AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to r

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