vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
Fraud / Identity Theft XXXX Accounts opened fraudulently XXXX XXXX ( Personal unsecured Loans ) # XXXX. {$15000.00} Opened on XX/XX/2022 # XXXX. {$12000.00} Opened on XXXX XXXX 2022 XXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # XXXX. XXXX XXXX Opened XX/XX/2022 {$9000.00} *** received XXXX emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # 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 2022-03-25 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: Marlette Funding, LLC
State: FL

Complaint narrative:
Fraud / Identity Theft 4 Accounts opened fraudulently Best Egg ( Personal unsecured Loans ) # 1. {$15000.00} Opened on XX/XX/2022 # 2. {$12000.00} Opened on XXXX XXXX 2022 XXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # 3. XXXX XXXX Opened XX/XX/2022 {$9000.00} *** received 2 emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Fraud / Identity Theft XXXX Accounts opened fraudulently XXXX XXXX ( Personal unsecured Loans ) # XXXX. {$15000.00} Opened on XX/XX/2022 # XXXX. {$12000.00} Opened on XXXX XXXX XXXX XXXXXXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # XXXX. Prosper Marketplace Opened XX/XX/2022 {$9000.00} *** received XXXX emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # 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 2022-03-25 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:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( XXXX ). It is plainly stated that a failure to investigating these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the Equifax data breach and may gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( XXXX ). It is plainly stated that a failure to investigating these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person

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 2022-03-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ Account XXXX has violated my rights as follows 15 U.S.C. 1681, Section 602 A, states one has the right to privacy. 

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account to one 's credit report without written instruction provided to them by said person. 

Further, the company providing the information to my credit report has failed to provide any credible proof that the account belongs to my person. I am requesting that this account be removed from my credit report. Thank you.

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 2022-03-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ Account XXXX has violated my rights as follows 15 U.S.C. 1681, Section 602 A, states one has the right to privacy. 

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account to one 's credit report without written instruction provided to them by said person. 

Further, the company providing the information to my credit report has failed to provide any credible proof that the account belongs to my person. I am requesting that this account be removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have informed Equifax since XX/XX/2021 about XXXX XXXXXXXX inquiries on my credit report XXXX XXXX sent me a letter saying that they sent Equifax a letter also telling them to remove the XXXX XXXXXXXX inquiries from my credit report as well as I sent them a copy of the letter XXXX times they still have not removed the inquiries even though XXXX XXXXXXXX the ones that put it on there requested they take them off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a letter regarding inaccuracies and incorrect information on my credit report in XX/XX/2022. I noticed these changes on that same day. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. These items should be removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent a letter regarding inaccuracies and incorrect information on my credit report in XX/XX/2022. I noticed these changes on that same day. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. These items should be removed promptly.

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 2022-03-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent a letter regarding inaccuracies and incorrect information on my credit report in XX/XX/2022. I noticed these changes on that same day. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. These items should be removed promptly.

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 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
My credit/XXXX  with XXXX is always lower than other bureaus. My Identity was stolen by them twice and in order to " boost '' my credit scores they want us to list all accounts/bills we pay w bank account passwords and direct connection to be accessed by them. I think it is ludicrous. It is not safe to have any info with them. I hate that company.

1- My credit score suffers bc they have derogatory info about late payments to XXXX  card from 6 years ago that was caused by having 2 different cards and getting mixed up about the 2 accounts. One was paperless billing the other was not. I wrote XXXX and XXXX to no resolve. They did NOTHING.

2- XXXX XXXX also late payments because I had a dispute with XXXX XXXX I paid thru AFFIRM at the time but was directed to that page and did not know what AFFIRM was. I NEVER had the resume service I paid for because it was exactly when COVID happened in late XXXX early XXXX. I was NOT about to return to work as an XXXX. I am a widow with XXXX kids. I requested to cancel the resume service from XXXX XXXX who claimed they had no connection to AFFirm. Affirm i guess paid them {$180.00}. As I tried to explain to them I did not get the service and wanted to cancel Affirm sent me to collections with XXXX XXXX. 
3-I finally paid XXXX XXXX because it was useless to recover my money and my credit has been kept lower because of this COLLECTION agency but now they are attempting to collect it again and it is reflecting on my credit. I need to apply for a mortgage and need my scores to be reassessed. I NEVER missed or was late on my house mortgage for 17 years. I think it is wrong to have these companies ruin the lives of consumers and hold us hostages when their service is mediocre at best. I can provide any records/communication you desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-25 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: LEXISNEXIS
State: FL

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation