vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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/accounts/information below : XXXX XXXX Balance Owed : {$0.00} and XXXX XXXX XXXX  XXXX Balance Owed : {$14000.00} .

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 2022-05-27 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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/accounts/information below : XXXX XXXX Balance Owed : {$0.00} and XXXX XXXX XXXX  XXXX Balance Owed : {$14000.00} .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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:
On XX/XX/2022 I notice there was serval errors on my credit report with XXXX, XXXX and TransUnion. I reached out to them to fix the errors and also sent out a notice of error to remove all fraud that has been reported on my account without my written consent. The credit reporting agencies never responded back to me or bother to fix the problem. So I sent out a second notice on XX/XX/2022 to all the credit reporting agencies and still haven't receive a response back for them to fix the errors. This will be my last attempt to try to work this out before I have to take the steps to start the litigation process about the fraud activity taken place on all the credit reports.

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 2022-05-27 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: IL

Complaint narrative:
On XX/XX/2022 I notice there was serval errors on my credit report with XXXX, Equifax and XXXX. I reached out to them to fix the errors and also sent out a notice of error to remove all fraud that has been reported on my account without my written consent. The credit reporting agencies never responded back to me or bother to fix the problem. So I sent out a second notice on XX/XX/2022 to all the credit reporting agencies and still haven't receive a response back for them to fix the errors. This will be my last attempt to try to work this out before I have to take the steps to start the litigation process about the fraud activity taken place on all the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau last XX/XX/2022, and now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. 
KINDLY UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : XXXX ( OriginalCreditor : 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 2022-05-27 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau last XX/XX/2022, and now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-05-27 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: MO

Complaint narrative:
I've contacted XXXX  XXXX & they told me I've never missed a payment, yet Equifax refuse to remove me from being listed as 120 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
I received a collections notification ( I literally have no late payments on all of my accounts ) on my credit report. 
I contacted the company listed Harris & Harris.

Gave them my name and ssn- they had no record and could not tell me where the debt was from.

Have them my address again they could not even pull up my account.

I researched the credit report thoroughly and told them the debt was {$140.00} - said It could be medical or utilities. I am utterly confused on how they can be reporting a debt when they cant even give me the details to sort through the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: IL

Complaint narrative:
I, XXXX XXXX XXXX the consumer,, have new and updated information in regards of a previous complaint. Pursuant to 15 USC 1681, I have 30 days to a completion of a reinvestigation. XXXX, Transunion, XXXX have violated my rights by not responding within the 30 days nor have I received information of the procedure used to determine the accuracy of the reported information on my consumer report. I am submitting this complaint to ensure I have my rights protected to a proper investigation under 15 USC 1681i.

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 2022-05-27 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: IL

Complaint narrative:
I, XXXX XXXX XXXX the consumer,, have new and updated information in regards of a previous complaint. Pursuant to 15 USC 1681, I have 30 days to a completion of a reinvestigation. XXXX, XXXX, Equifax have violated my rights by not responding within the 30 days nor have I received information of the procedure used to determine the accuracy of the reported information on my consumer report. I am submitting this complaint to ensure I have my rights protected to a proper investigation under 15 USC 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: IL

Complaint narrative:
I, XXXX XXXX XXXX the consumer,, have new and updated information in regards of a previous complaint. Pursuant to 15 USC 1681, I have 30 days to a completion of a reinvestigation. Experian, XXXX, XXXX have violated my rights by not responding within the 30 days nor have I received information of the procedure used to determine the accuracy of the reported information on my consumer report. I am submitting this complaint to ensure I have my rights protected to a proper investigation under 15 USC 1681i.

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 2022-05-27 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:
XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; Medical XXXX ; Medical XXXX ; XXXX XXXX XXXX  XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with Experian, XXXX, and XXXX credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.

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 2022-05-27 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:
XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with XXXX, XXXX, and TransUnion credit reporting agency XXXX This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.

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 2022-05-27 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: MO

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and addressesXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with XXXX, Equifax, and XXXX credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
This is a follow-up to complaint # XXXX, as CFPB closed the case, which no longer allowed me to respond or add anything. 

On XX/XX/XXXX, XXXX XXXX from Wells Fargo responded promising " Monetary Relief '' as a courtesy of {$10.00}, with no explanation of how I would receive that or a timetable in which to expect it. I hereby reject that courtesy credit, as I was told my purchases didn't qualify, which is FALSE. Their claim was that " XXXX XXXX only had some of their locations listed as part of their promotion ; the location I visited was not listed '' and " XXXX XXXX does not qualify as part of the promotion ''. 

The terms of this " XXXX XXXX XXXX XXXXXXXX XXXX '' promotion gave a website " XXXX '' that lists participating businesses, that is where I found these 2 restaurants before patronizing them. I will be uploading screenshots to this case from that site, showing the " XXXX XXXX '' emblem next to the address of the exact locations I made purchases from, taken the same day the purchases were made. Also, those same businesses CAN STILL BE FOUND as participating in this promotion on that web site, RIGHT NOW. 

Also included will be a screenshot of my credit card statement showing both entries, to identify them as the proper locations, and to show that I have not yet been credited properly for this promotion. XXXX XXXX purchase was {$14.00}, XXXX XXXX was {$11.00}, both purchases were made on XX/XX/XXXX. 

And finally, a screenshot of the promotion 's terms showing the aforementioned web site for finding participating businesses will also be included. 

In closing, I want it made clear that I completed the offer properly PER YOUR TERMS, my purchases did qualify PER YOUR TERMS, and I want it recognized and acknowledged properly and to be credited as such, NOT as a courtesy.

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 monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
After I attempted to make a phone purchase from XXXX with my ATM card ( which was declined and so I used another card ) multiple unauthorized purchases were made with my ATM Debit Card number at XXXX XXXX. I filed a dispute with WellsFargo and it denied the dispute without conducting any real investigation. We have made numerous calls and have found that the person making the charges is a male ( obviously not me ). Moreover, Wells Fargo approved these transaction without requiring a signature or identification. Accordingly, I have filed a complaint against WellsFargo with the Court and is waiting for XXXX to respond to my request for records before filing suit against it.

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 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$1100.00}. XXXX XXXX XXXX is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) XXXX XXXX XXXX XXXX it is a third party and has no standing to deny my claim. I am aware that XXXX XXXX XXXX can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold XXXX XXXX XXXX liable for these violations. I have reasonable cause to believe XXXX XXXX XXXX is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe XXXX XXXX XXXX HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe XXXX XXXX XXXX is in direct violation of 31 U.S. Code 3729 - False claims.

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 2022-05-27 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: TN

Complaint narrative:
Misleading Information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$220.00}. WAKEFIELD AND ASSOCIATES is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) E. WAKEFIELD AND ASSOCIATES it is a third party and has no standing to deny my claim. I am aware that WAKEFIELD AND ASSOCIATES can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold WAKEFIELD AND ASSOCIATES liable for these violations. I have reasonable cause to believe WAKEFIELD AND ASSOCIATES is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe WAKEFIELD AND ASSOCIATES HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe WAKEFIELD AND ASSOCIATES is in direct violation of 31 U.S. Code 3729 - False claims.

Company response to consumer: Closed with explanation