vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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 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 2023-04-26 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor UPSTART NETWORK INC. has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: PA

Complaint narrative:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

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 2023-04-26 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:
Account name : XXXX XXXXXXXX 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I want the CFPB to publish this description on consumerfinance.gov so that others can learn

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 2023-04-26 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: GA

Complaint narrative:
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: GA

Complaint narrative:
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CA

Complaint narrative:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-04-26 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: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date XXXX Balance : {$8400.00}

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 explanation
Consumer complaint received 2023-04-26 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 want this late payment from XXXX XXXX deleted within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. Also, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 2023-04-26 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:
I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. Please update status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: MO

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information without my knowledge or permission. I have contacted credit one but they are not wanting to change anything. 

XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX Services XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I have tried numerous times to contact XXXX XXXX XXXX  but I have not been able reach anyone and the hold times are ridiculous. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with a rep named XXXX who told me that they would not be willing to change their reporting. 

XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with 2 different reps about 3 weeks apart from each other ; yet each time I've been told that someone would be getting back with me in which case they have yet to do so. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. The hold times are ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never even applied for this account. XXXX XXXX will not change their reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never applied for anything with this lender. I keep getting the run around when trying to effectively communicate. They aren't willing to work with me.

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 2023-04-26 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: MO

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information without my knowledge or permission. I have contacted XXXX  XXXX but they are not wanting to change anything. 

XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XXXX  XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I have tried numerous times to contact XXXX XXXX  Services but I have not been able reach anyone and the hold times are ridiculous. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with a rep named XXXX who told me that they would not be willing to change their reporting. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with 2 different reps about 3 weeks apart from each other ; yet each time I've been told that someone would be getting back with me in which case they have yet to do so. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. The hold times are ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never even applied for this account. XXXX XXXX will not change their reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never applied for anything with this lender. I keep getting the run around when trying to effectively communicate. They aren't willing to work with me.

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 2023-04-26 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:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX  XXXX Account Number : XXXX This is a violation of my rights. please remove it from my credit report 2. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX XXXX Account Number : XXXX please update to never late 3. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX  Account Number : XXXX please update to never late 4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX This is a violation of my rights. please remove it from my credit report 5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX  XXXX Account Number : XXXX This is a violation of my rights. please remove it from my credit report 2. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX XXXX Account Number : XXXX please update to never late 3. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX  Account Number : XXXX please update to never late 4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX This is a violation of my rights. please remove it from my credit report 5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my 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 explanation
Consumer complaint received 2023-04-26 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: PA

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.

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Frontier Airlines processed a credit like they said they would in the amount they agreed to. A month later and with no explanation the put the charge back on the credit card. I reached out to Barclays US and they said they have absolutely no idea why the charge was placed back on the card. They suggested I reach out to Frontier to have the credit re-applied. I did and they said they would again process the credit they reversed, and never did.

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 2023-04-26 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00}.

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