vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name XXXX 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 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A person reached me out in XXXX XXXX to sell me a bag I was looking for. This person 's name is XXXX. I know there's XXXX in my XXXX XXXX, but unfortunately, it is an identity theft of XXXX XXXX that pretended to be her. I paid {$5000.00} to scammers Paypal through friends family transfer not knowing its the ID thrift s account. I contacted the real XXXX and found out it was a scam. She never contacted me. It was someone using her name and copying her XXXX account. I immediately send the money request to the scammer 's account to try to reserve. It didn't work. I contacted PayPal and my bank to hold the fund since its still on hold status at the scammer Paypal side. The scammer tried to call me on XXXX XXXX. I didn't answer. I called Paypal and XXXX XXXX to stop the fraud before it went through on XXXX. Unfortunately no customer service opened after hours. The fund was from both my PayPal balance ( {$1900.00} ) + bank savings ( XXXX ). I contacted my bank to restrict my bank before money was requested from Paypal. I filed a dispute ( XXXX ) on XXXX with PayPal but got denied XXXX XX/XX/XXXX since they said they do not liability with personal transfer even if it is a fraud and will not hold funds. The fund just went through today on XX/XX/XXXX. It is very disappointing because I contacted right away at that point. This person is not the person I intend to transfer money to. This person used a fake ID and name. I do not understand Paypal has the power to hold the fund and invest on suspicious accounts but it didn't. The receipt is a criminal. Paypal said the fund will charge me back as a negative account. I do not want to pay Paypal anymore. I wish to get my fundsback. I have tried everything I can and provide all information to the bank and Paypal. I filed the police report : XXXX with XXXX XXXX on XX/XX/XXXX. Please justify and stop this criminal. Thanks. 

PS. 
Another victim : From the XXXX XXXX, on XX/XX/XXXX, another victim XXXX also got into the fraud with the same scammer to the same Paypal account using the same way. But due to my dispute, the scammer 's Paypal transaction didn't go through. The scammer gave her another bank account to transfer money via XXXX ( for a purchase of a goods ). Scammer provides the address and bank account number to receive money ( {$4700.00} ) from XXXX successfully. XXXX contacted me because the real XXXX told her I am also a victim. The real XXXX is filing identity theft. XXXX gave me the scammer 's bank info- Name : XXXX XXXX XXXX XXXX : XXXX address : XXXX XXXX XXXX, XXXX XXXX, XXXX. postal : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13 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: MS

Complaint narrative:
XXXX that i dont know or gave any authorization to anyone to get my information

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX, XXXX and Trans Union credit agencies have all failed to take a fraudulently opened credit line off my report and adjust my credit. There was a XXXX XXXX XXXX XXXX that opened in XX/XX/2022 that was opened without my knowledge. I called XXXX and they said they would close the account due to fraud and would contact the credit agencies as well. I dont believe they did that but I did open cases with each of the credit agencies. They all came back and said that they found the account to be open legitimately. I dont know what they check because if someone stole my identity, it would look legitimate wouldnt it? But the XXXX credit account was used to purchase merchandise in the state of CT but I live in NJ. The merchandise was never picked up at the store and the company has a policy that auto returns the goods after 5 days if they have not been picked up. Obviously purchasing pick up items in another state is clearly a sign this is fraud. I placed freezes and locks with all the credit agencies but they all still wont fix my credit and delete that account from my profile. Its not my account, it was identity theft and nobody has sent me anything in the mail for me to report this to the police. I want this XXXX account off my credit profile and the inquiries that were made to be reversed. There was also an attempt at XXXX XXXX XXXX to take out a credit card but the card was declined.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX, Experian and XXXX XXXX credit agencies have all failed to take a fraudulently opened credit line off my report and adjust my credit. There was a XXXX XXXX XXXX XXXX that opened in XX/XX/2022 that was opened without my knowledge. I called XXXX and they said they would close the account due to fraud and would contact the credit agencies as well. I dont believe they did that but I did open cases with each of the credit agencies. They all came back and said that they found the account to be open legitimately. I dont know what they check because if someone stole my identity, it would look legitimate wouldnt it? But the XXXX XXXX account was used to purchase merchandise in the state of XXXX but I live in XXXX The merchandise was never picked up at the store and the company has a policy that auto returns the goods after 5 days if they have not been picked up. Obviously purchasing pick up items in another state is clearly a sign this is fraud. I placed freezes and locks with all the credit agencies but they all still wont fix my credit and delete that account from my profile. Its not my account, it was identity theft and nobody has sent me anything in the mail for me to report this to the police. I want this XXXX account off my credit profile and the inquiries that were made to be reversed. There was also an attempt at XXXX XXXX XXXX to take out a credit card but the card was declined.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am in the process of reviewing my Consumer Reports in detail and noticed that I had several late payments on a closed account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing these payments were late. If proof can't be provided, I demand these payments be updated to on time payments as they should be as I was NEVER EVER Late on any of these accounts. Thanks.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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 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 non-monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I paid for this apparatus on the date I received it. Now, over a year later I am being billed again. I have contacted the billing company three times, yet have gotten no response.

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 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I reject your offer to contract I did not consent to any nonaffiliated third party XXXX XXXX XXXX ACCT # XXXX to be in possession of my Nonpublic Person Information. This is notice to cease and desist all communications and furnishing false credit information on my credit reports is also considered communications. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. I have reason to believe that the Original CreditoXXXX, XXXX XXXX XXXX, Transunion are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. By putting this false credit information on my credit reports your damaging my name and credit worthiness. If you do not remove this false credit information immediately ill be forced to Seek justice under all my FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. Remove this false information immediately.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXXXXXX 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent inforamation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
THE FOLLOWING INQUIRIES ARE AN ERROR AND WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XX/XX/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 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 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 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 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has failed to assist my son with his account from the first payment due back in XX/XX/2022. XXXX XXXX XXXX gave verbal authorization to allow XXXX XXXX to be on the account due to being the legal gaurdian due to XXXX 's traumatic situation. The company continued to e-mail him and call his phone when he did not know who it was and plus he works at night at XXXX and tries to sleep during the day as a result of how hard the job works him. I have e-mails and phone logs where the company responded to me barely a handful of times. I even attempted to make payments over the telephone from the beginning of the first payment due until XXXX Bank stole two rental car holds for {$500.00} each and never gave the money back so I had to pull all of my family accounts out of the XXXX bank which was four accounts. I contacted XXXX XXXX personally, explained the banking situation through telephone and tried to make the first payment with debit card but they would not except it. On a recorded call, I personnally stated that I did not want my son going into the credit bureau which the represented who was a male assured me he would not but the company placed XXXX into the credit bureau behind his back. At no time would they accept the debit card payment. In addition, the website blocked us from making the bank changes online. It kept stating the first payment had to be completed under XXXX before it could be changed which XXXX was closed. The company never offered any payments to be sent in by mail nor a representative to accept the money by telephone which was just now told to me a week and a half ago over the telephone. I informed the representative, no one ever offered, all the information ever disclosed was that the first payment had to be paid through the portal which the company knew we were having issues with. and I consistently reported, reached out for help and no resolution. Happy Money was going behind my e-mails and calls contacting my son and would not reach out to me. There was a 5 questionnaire completed which XXXX and I did and sent it back from my e-mail and per their request, screenshots for closed XXXX Banks were sent. Unfortuantely, it was past 45 days until the company supposedly unlocked the account where I did go in an input the new banking information. Yesterday and last night we attempted to make another payment and the company blocked us again. This time pictures were taken to prove it. This is bad business and the company is not to be trusted. The error is on behalf of the company and they need to work with my son and I and pull him out of all XXXX credit bureaus because they are using deframation of his character and destroying his good credit. His credit was at XXXX and now it is in the XXXX 's as a result of XXXX XXXX 's negligence and unfaithful practices as a loan company.

Company response to consumer: Closed with explanation