vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00}

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 2023-05-10 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: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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 2023-05-10 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: TN

Complaint narrative:
I have Checked my credit report and I found that these accounts are not mines reporting to XXXX and Transunion

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 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Our mortgage company, Wells Fargo, has breached our Mortgage contract, and the attached PUD Rider. Our mortgage allows for HOA or " association dues, '' that do not replace the mortgage security interest, which they do not as Oklahoma is not an HOA Super Lien state. The HOA dues are supposed to be escrowed. This is also allowed for in the PUD Rider. We were sued last year by our HOA in Small Claims Court for HOA Dues that were not dated, and given a default judgment. I filed a Motion to Dismiss, the XXXX XXXX XXXX would not allow it stating that we did not pay a {$76.00} fee that is not listed anywhere. A collection agent is not supposed to be able to use small claims court under 12 O.S. 1751 ( B ), and that is what this attorney is. I was not able to go to court due to a XXXX, but the judge still gave a default judgment, with 850 % or {$2200.00} in attorney fees. My wife went to the hearing yesterday because it was a hearing on assets, but the collections attorney went ahead and put a stay on it. The court put down that the defendant failed to appear. So I'm not sure what is going on with the court. So the court and HOA 's attorney both have violated Regulation F. Wells Fargo has breached our mortgage contract, which is the point of this complaint. They have breached their duty of good faith by causing my wife and me undue stress with this lawsuit. We have written them, and they have sent us back 2 or 3 letters. I know the Plaintiff 's attorney wrote them because Wells Fargo sent us a letter telling us that they received a letter from him. We never heard what happened. I called Wells Fargo multiple times, and one time I was told, " sir, this is not our problem, you need to pay this. '' It is their problem. We don't owe these HOA dues, and they need to get this young man off of our backs. The small town Court could care less what we have to say. I'm copying our title company. I'm making a claim for title insurance. I found that the day our title insurance was taken out, the builder 's mortgage had not been paid off until the next day, XX/XX/XXXX. Wells Fargo did not make their title change until XX/XX/XXXX. The Homeowner 's Association made a huge change to the covenants in XX/XX/XXXX and completely changed them. Our household was not notified, and several others that I have talked to were not notified. The new document is very discriminatory, takes away all voting rights, and makes it to that 2-3 board members can do whatever they want in the name of common areas that are not even close to my house. They are also fining people for things done on city streets and their own properties. This puts an undue burden on the title. I'm putting a claim on the title insurance for the full amount. I also am claiming a breach with Wells Fargo.

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 2023-05-10 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: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/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 2023-05-10 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:
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 2023-05-10 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:
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 non-monetary relief
Consumer complaint received 2023-05-10 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 following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-10 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}

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 2023-05-10 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX  XXXX Balance XXXX {$6800.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: NV

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: GA

Complaint narrative:
My credit report may have been hacked, according to reports. I was looking over my records once more when I found a lot of things that weren't mine. The FCRA 's section 605b requires you to remove and block any things that are discovered to have been opened as a result of identity theft, according to my diligent study. I do not own the objects in the dispute. As a result of additional study that both parties requested, I am providing the necessary FTC Report for you. Those files should be blocked or deleted. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX, XXXX, L ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2023-05-10 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$1900.00}.

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 2023-05-10 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXNG 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: IN

Complaint narrative:
After I filled my last complaint on Credit karma Bank they closed my account completely!! This so called bank is getting by with over charging people, False Responses, Refuse to be able to speak with a supervisor, hangs up on you, They are a complete Scam and Crockets

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : CXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have some bad credit card history on my credit and I was not aware.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation