vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 30 days, I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: MD

Complaint narrative:
I have inaccurate information reporting on my credit report. The late payments on XX/XX/2022 and XX/XX/2022 on my two XXXX XXXX credit cards are inaccurate and must be removed 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 2023-05-20 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: MD

Complaint narrative:
XXXX Bank XXXX is incorrectly reporting on my credit report. 
The account reported close and then open and then late. This account should not be reporting on my credit report XXXX credit has also been removed and Transunion put it back on my account illegally. 

Transunion also never removed XXXX XXXX XXXX XXXX XXXX XXXX are reporting XXXX auto loans and a ftc report has been filed and shown. 
15 U.S. C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 U.S. C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b ) I have contacted my lawyer and the next step is to sue and demand monetary relief due to them breaking these very laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency EXPERIAN an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. EXPERIAN sent a letter stating this block was an error. It was not. EXPERIAN has violated my consumer rights. According to 15 U.S. Code 1681i EXPERIAN is supposed to delete the disputed items during a full and complete investigation. EXPERIAN violated this federal law. EXPERIAN is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given EXPERIAN permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against EXPERIAN for willfully and knowingly violating my consumer rights if this is not rectified within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
WAKEFIELD & ASSOCIATES, INC DEBT COLLECTOR ( XXXX ) RELEASED MY ACCOUNT INFORMATION TO A NOTHER PERSON WITHOUT MY PERMISSION, XXXX SPOKE TO THIS PERSON ABOUT MY ACCOUNT, THE STATUS, AND MY CURRENT LIVING LOCATION THAT WAS SUPPOSED TO BE KEPT PRIVATE FOR THE SAFETY OF ME AND MY DAUGHTER FROM THIS SPECIFIC PERSON THAT HAS THREAT MY AND MY DAUGHTERS LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: MA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXXXXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This account is a fraudulent account, I do not owe this company and I have never signed any contract with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: IL

Complaint narrative:
I am a human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because : XXXX XXXX XXXX XXXX XXXX {$2300.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$890.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$620.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$980.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$930.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account According to XXXX XXXX XXXX : I have the right to privacy and did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX ( XXXX ) XXXX XX/XX/2023 Dear TransUnion LLC, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX Amount owed : {$1400.00} Account Number : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: PA

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX Company Sold Account Type -- -- -- -- - Collection Date Opened -- -- -- -- XX/XX/XXXX Status -- -- -- - Paid in settlement. 
Status Updated -- -- -- - XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX XXXX XXXX Company Sold -- -- -- - Account Type -- -- -- -- - Collection Date Opened -- -- -- -- -- XX/XX/XXXX Status -- -- -- -- -- Paid, Closed Status Updated -- -- -- XXXX XXXX **** XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XXXX Type -- -- - Credit Unions 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 602 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681 ( a ) ( 5 ) states no consumer reporting agency may report any items of items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable that the Information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: LEXISNEXIS
State: OH

Complaint narrative:
I retrieved a copy of my credit report from your organization on XXXX XXXX and noticed credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: MA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, COLECTION, 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 an account without my written instructions. 
This is a fraudulent account ; I do not open any account with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account has been reporting inaccuracies on my report for years. It has been disputed in the past with XXXX, and I dont feel that XXXX has done enough to show me that a thorough investigation has been done. This account reports inaccurate payment history, and they will not verify that the account belongs to me. Im asking for verification of this debt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: MA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is a fraudulent account, I do not owe this company and I have never signed any contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate information on the XXXX files. I am not disputing if it belongs to me or not. The XXXX  files has a name XXXX XXXX XXXX never belonging to me or my XXXX Under the fair credit act law I want to files deleted and 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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Someone stole my XXXX XXXX card then made fradulent charges on it. I sent XXXX XXXX a police report & an ID theft affadavit, I have talked to XXXX XXXX a dozen times over the phone & the person on the phone always tells me that he is going to remove the negative information from my transunion credit report but he never removes it. 

The negative information has been on my transunion report for over five years but it still hasn't been removed. 

Transunion tells me that XXXX XXXX has verified this info as accurate but XXXX XXXX  tells me that the negative info shouldn't be on the credit report. 

Will you help me get this negative information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX, I applied for a remote job position at my school, XXXX XXXX XXXX. A few days later, I received an email from the school ( later I discovered it was a scammer ) about that job I applied for. I foolishly followed their instructions and received a {$3000.00} check through email that I would deposit in my Wells Fargo XXXX  account for supplies. I sent the money to XXXX other people that claimed they were XXXX  representatives, XXXX XXXX ( XXXX ) with {$1500.00} ( {$43.00} for just the fee ) through XXXX, and XXXX XXXX ( XXXX ) with {$1500.00} through Wells Fargo XXXX. This happened on XX/XX/XXXX. On XX/XX/XXXX, quickly after I sent the money, I found out I was scammed and tried contacting Wells Fargo to cancel the transaction, only for them to claim it was too late ( despite the transaction pending at the time ) and I needed to file a claim. Allegedly the claim was closed because again they claim it was too late for a refund. Wells Fargo later overdraw the {$3000.00} that I didn't have in my XXXX account because they were too late to realize the check was fake. Now I have no money because Wells Fargo refused to take this case seriously. Same with XXXX because they kept telling me to talk to Wells Fargo for a refund, even though Wells Fargo wanted me to talk to XXXX about this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: FL

Complaint narrative:
YOU CLOSED MY PREVIOUS COMPLIANT THINKING IT WAS A COMPLAINT FROM XXXX THIS IS A NEW COMPLIANT! 

I sent a Cashier 's check with all appropriate paperwork on XX/XX/2023. I was very careful to send the payoff to the overnight lease address on the payoff paperwork. I have called US Bank 4 times to get an update as to why the account has not been paid in full and Title sent out. I have given them the person 's name and tracking number that signed for my overnight package. US bank won't confirm that person works there and doesn't know where the check is, all the while the account hasn't been paid off. I have asked for managers and have gotten nowhere. The indifference and gross negligence is why I am filing this compliant. I have a buyer for my vehicle who is now backing out because I can't get Title for a vehicle that I sent a payoff for almost 2 weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
On XX/XX/2023, at XXXX XXXX, I received my first voicemail message from a representative stating, " Hi, this is XXXX calling from Wakefield and Associates. Please contact me or any of our representatives at XXXX. 

I called back the same day to request the physical mailing address for Wakefield and Associates so I could send a letter requesting debt verification. The representative with whom I spoke was unwilling or unable to assist with debt verification over the phone. 

Several times the representative was aggressive with me over the phone, attempting to confirm my personal details so he could move forward with their collection process. I asked what information they had on file about the supposed debt, and I was told that he wasn't able to provide that information without first verifying my identity and personal information. 

When I asked for their company 's mailing address, the representative was rude and dismissive. He also kept pushing me for my personal contact details even after I declined to provide that. After asking 3 times for their mailing address, I finally got this information : XXXX XXXX XXXX, XXXX, TN XXXX. 

I wrote a letter and sent it via certified mail with USPS on XX/XX/2023. The return certificate was delivered to me on/around XX/XX/XXXX. And it had a notation that the city was supposed to be XXXX, TN. So, not only was it difficult to get a physical mailing address, the representative I spoke with on XX/XX/XXXX provided incorrect information, resulting in a delivery delay. 

Since I mailed the letter on XX/XX/XXXX, I have not received ANYTHING in writing validating the supposed medical debt from Wakefield and Associates. Nor do I have any information as to how I ended up on their call list. 

I have received additional calls on the following dates asking me to call them back at XXXX : XXXX ) XX/XX/2023, at XXXX XXXX ; XXXX ) XX/XX/XXXX, around XXXX XXXX 

Wakefield and Associates ' continued harassment and lack of response are not only inappropriate, but it is also unwarranted since they are unable and unwilling to provide any verification of this supposed medical debt.

Company response to consumer: Closed with explanation