vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: GA

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 explanation
Consumer complaint received 2022-10-04 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX 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 an account without my written instructions.

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 2022-10-04 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXXG XXXX 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 an account without my written instructions.

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 2022-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Putting customers at risk on purpose? Now since your deceptive, risky, unlawful practices have now put customers at risk, i have no choice but to contact the ( FTC ) to let them know about the fraudulent practices you've just comitted! And truth in lending doesn't lying to your customers and thinking you can get away with it. ( Upgrade ) is a very sneaky, shady company who lies about splitiing up the payments equally. When customers pay off large amounts of their loans they lie to keep getting interest off of all of the loans instead of paying them according to the order that the loans are in. A judge will always side with the people and not the company when fraudulent activities are being committed! I have proof that you didn't split up the payments equally, and i will start a class action that will definitely be known by everyone. Malicious behavior that's done in the dark is always brought to the light, and someone will have answer to the ( FTC ) as to why things were done this way putting customers in harms way by way of the internet, thus blocking people from being able to see their truth in lending about their loans. I knew something wasn't right when they applied most of what i paid to the newest loan instead of paying the older ones off tgat had smaller amounts! And ( Upgrades ) greed will be the cause of there setback, and or downfall! ( Upgrade ) is 100 % wrong for doing this and hasn't hidden being fraudulent! I called and asked for an explanation of how my money was spread across the loans and was lied to by a representative and a supervisor! It only takes common sense to listen to the deception. And with this recent change which clearly blocks a customer from viewing their ( TIL ) balances of their loans starting today without any forwarning proves how dishonest of a company ( Upgrade ) is! Also putting customers in harms way of the above pictured threat which I'm not stupid enough to go forward with. The ( Truth in Lending Act ) protects customers! It's not in place for company 's like ( Upgrade ) to utilize at there discretion and manipulate customers accounts. I'm filing a complaint today with the ( FTC ) to raise awareness about ( Upgrade ) having fraudulent and unfair actions against customers to further extend loans and intrest being spread unevenly and having the larger amount of money spread mostly to the newest loan, instead of spreading to the oldest loans in the order they were gotten. And for tricking people by way of deception, also not accurately reporting to the credit bureaus the correct information and in an untimely fashion taking longer time periods to notify of good payments. 

Highly disappointed, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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:
My name is 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 2022-10-04 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:
My name is 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 2022-10-04 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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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:
My name is XXXX XXXX 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 explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
PENFED CREDIT UNION has violated my consumer rights, discriminated against me, and discouraged me as a consumer. On XX/XX/2022 I opened a consumer account with PENFED CREDIT UNION and deposited {$100.00} into my savings account over the phone with an employee of PENFED CREDIT UNION. Upon my discovery I had an adverse action letter sent to me via mail from PENFED CREDIT UNION. The adverse action letter stated the following : I can't open an unrestricted account/checking account, all my check deposits will be held for 5- business days, all my deposits will be held for 5 business days, I can't do any ACH transfers and only direct deposits are available. PENFED CREDIT UNION reason behind this action they stated is erroneous and violates many federal laws that protect consumers. PENFED CREDIT UNION reasons for violating my consumer rights came from the consumer reporting agency called XXXX. XXXX has recently been sued with a class action lawsuit for erroneous credit scores of millions of consumers, including me and PENFED CREDIT UNION made their decision to violate my rights based off of XXXX erroneous data. PENFED CREDIT UNION has broken multiple laws from the CONSUMER FINANCIAL PROTECTION ACT and EQUAL CREDIT OPPORTUNITY ACT. I feel so discouraged and discriminated against by PENFED CREDIT UNION. They were willing to accept my deposit but keep me from doing banking for my personal, family and household purposes.

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 2022-10-04 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: PA

Complaint narrative:
Hello, I am creating this complaint because I am attempting to remove negative items from my credit report that I have no recognition of. I have explained to all 3 credit bureaus XXXX, Transunion and XXXX of the following accounts inaccuracies and for them to be removed. They responded that the information was accurate and it will remain on my report. 

Account Inaccuracies : Account # 1 : XXXX XXXX XXXX XXXXXXXX .... 

Account # XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX .... 

*These 2 accounts were identified as fraud and I have asked for them to be removed across all 3 bureaus if they can not provide any information that these accounts were in fact mine. 

Account # 3 XXXX XXXX XXXX .... 

*This account was categorized with the 2 accounts above and was removed by XXXX. Neither XXXX or Transunion has removed the account. 

Residence Inaccuracies : Another reason I believe that this information is inaccurate because there are multiple addresses across each bureau that I have never used for credit purposes. 

Address # XXXX : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Address # XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX Inquiry Inaccuracies : Account name XXXX XXXXXXXX XXXX  Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX *These inquires are not reporting to all 3 bureau and I do not recall Inquiring about these loans/cards. I asked for these to be removed because I claimed these as fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: PA

Complaint narrative:
Hello, I am creating this complaint because I am attempting to remove negative items from my credit report that I have no recognition of. I have explained to all 3 credit bureaus XXXX, XXXX and Equifax of the following accounts inaccuracies and for them to be removed. They responded that the information was accurate and it will remain on my report. 

Account Inaccuracies : Account # XXXX : XXXX XXXX XXXX XXXXXXXX .... 

Account # XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX .... 

*These 2 accounts were identified as fraud and I have asked for them to be removed across all 3 bureaus if they can not provide any information that these accounts were in fact mine. 

Account # XXXX XXXX XXXX XXXX .... 

*This account was categorized with the 2 accounts above and was removed by XXXX. Neither Equifax or XXXX has removed the account. 

Residence Inaccuracies : Another reason I believe that this information is inaccurate because there are multiple addresses across each bureau that I have never used for credit purposes. 

Address # XXXX : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Address # XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX Inquiry Inaccuracies : Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX *These inquires are not reporting to all 3 bureau and I do not recall Inquiring about these loans/cards. I asked for these to be removed because I claimed these as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After conducting an Internet search for my name, I discovered that some of my personal information was being used without my permission. My information was acquired by an aggregator website, which advised me to first check the website 's Frequently Asked Questions section and then contact approximately nine separate websites to have it removed. In addition to feeling violated because I value my privacy, I felt humiliated because I had to request that my belongings be removed. I discovered unauthorized fraudulent accounts on my credit report. I would like these accounts to be removed and rectified. Remove all erroneous and fraudulent accounts from my credit report. This has hindered my ability to acquire credit. I am doing everything possible to reclaim my life. Please assist me in deleting all fraudulent accounts. Please let me know if there is anything else that can be done to remove these accounts 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 2022-10-04 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:
After conducting an Internet search for my name, I discovered that some of my personal information was being used without my permission. My information was acquired by an aggregator website, which advised me to first check the website 's Frequently Asked Questions section and then contact approximately nine separate websites to have it removed. In addition to feeling violated because I value my privacy, I felt humiliated because I had to request that my belongings be removed. I discovered unauthorized fraudulent accounts on my credit report. I would like these accounts to be removed and rectified. Remove all erroneous and fraudulent accounts from my credit report. This has hindered my ability to acquire credit. I am doing everything possible to reclaim my life. Please assist me in deleting all fraudulent accounts. Please let me know if there is anything else that can be done to remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
After conducting an Internet search for my name, I discovered that some of my personal information was being used without my permission. My information was acquired by an aggregator website, which advised me to first check the website 's Frequently Asked Questions section and then contact approximately nine separate websites to have it removed. In addition to feeling violated because I value my privacy, I felt humiliated because I had to request that my belongings be removed. I discovered unauthorized fraudulent accounts on my credit report. I would like these accounts to be removed and rectified. Remove all erroneous and fraudulent accounts from my credit report. This has hindered my ability to acquire credit. I am doing everything possible to reclaim my life. Please assist me in deleting all fraudulent accounts. Please let me know if there is anything else that can be done to remove these accounts 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