vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: GA

Complaint narrative:
I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: GA

Complaint narrative:
I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Ran into unavoidable financial trouble and unfortunately was unable to make payments to a wells fargo credit card. Was served with a lawsuit in XXXX by the law firm XXXX XXXX and XXXX out of XXXX Minnesota. I immediately called and tried to get it taken care of and get some sort of payment arrangement set up as I was not trying to deny the debt, I just could not afford payments temporarily. The law firm made it almost impossible to get in contact with them, I left a message on or around XX/XX/XXXX stating my name and that I wanted to settle the debt. They did not respond and went ahead with the lawsuit. I didn't fully understand the nomenclature on the papers served and lost the lawsuit by default as I thought there would be a court date attached at some point, there was not. Then on XX/XX/23 my checking account was offset {$1300.00} and my savings was offset {$3100.00}. These funds were a combination of payroll funds I had saved up, and deposit for a job that services had not and still have not been performed as the money that was supposed to go to that job was taken. I did not take action then as I thought it would be a one time thing wouldn't happen again. I then tried to settle the debt with the lawyers but my offer of $ XXXX was rejected and they wanted the balance in full. This after they had literally drained my accounts so I had nowhere near the almost $ XXXX they wanted. Then in XXXX I received a letter they were going to garnish my wages. Not much I could do about it so the garnishment began on XX/XX/23 in the amount of {$550.00}. My next paycheck was on XX/XX/23, also the day I was let go from my job. On that check, {$680.00} was taken out of my last paycheck. On the morning of XX/XX/23 I filed for unemployment at around XXXX XXXX. At XXXX my checking debit card was declined, which it should not have. Turns out the law firm did another offset of my accounts, on wages that had already been garnished! This time they took {$2800.00} from my checkings and {$410.00} from savings. Again this was out of funds that had already been garnished, so they basically took 100 % of my paycheck, and what other funds were in there were from the same job that has yet to be completed as the homeowner floated me another payment to pay for material and labor costs. I had just made a mortgage payment on XX/XX/23 that is now going to be declined causing not only an overdraft with their client ( wells fargo ), I will now incur late fees from the mortgage company and am left unable to pay it as all my funds were seized.

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 2023-05-16 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: TN

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
The Credit Bureaus have failed to investigate my dispute of false information reported on my consumer profile. I have sent written notices disputing both the debt with the original creditor ( XXXX XXXX XXXX  ) as well as the collection agency who has purchased the debt ( XXXX XXXX XXXX  ). I do not owe either the original creditor or the collection agency who has been attempting to collect this debt from me. The original account was not authorized by me and when I filed disputes the Credit Bureaus did nothing, eventually the account charged off and now the collection agency is ruining my credit history by reporting this information. Furthermore, the credit Bureaus were notified of this dispute, but my account remains unmarked with any dispute status. This is a violation of my consumer rights under the FCRA and FCDPA. I have the right to an accurate and true credit profile. My complaint is against the Credit Bureaus for their failure to investigate. I have filed additional complaints with the FTC, see attachment for reference.

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 2023-05-16 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: IL

Complaint narrative:
The Credit Bureaus have failed to investigate my dispute of false information reported on my consumer profile. I have sent written notices disputing both the debt with the original creditor ( XXXX XXXX XXXX  ) as well as the collection agency who has purchased the debt ( XXXX XXXX XXXX  ). I do not owe either the original creditor or the collection agency who has been attempting to collect this debt from me. The original account was not authorized by me and when I filed disputes the Credit Bureaus did nothing, eventually the account charged off and now the collection agency is ruining my credit history by reporting this information. Furthermore, the credit Bureaus were notified of this dispute, but my account remains unmarked with any dispute status. This is a violation of my consumer rights under the FCRA and FCDPA. I have the right to an accurate and true credit profile. My complaint is against the Credit Bureaus for their failure to investigate. I have filed additional complaints with the FTC, see attachment for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: TN

Complaint narrative:
See complaint XXXX. Their response was a complete lie. They never honored their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2023-05-16 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: Early Warning Services, LLC
State: IN

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Early Warning Systems XXXX XXXX XXXX XXXX XXXX, AZ XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX To whom it may concern : It has come to my attention that Early Warning is willfully not complying with the FCRA. I have attempted on several occasions to obtain information in your database which you report to my consumer file and each attempt you have stated that you do not have access to the information I have requested and refused or ignored my request to remove the items from my consumer file. This puts Early Warning in direct violation of the FCRA which I will sue for. 





Section 1681g ( a ) ( 1 ) requires that a consumer reporting agency " upon request,... clearly and accurately disclos [ e ] to [ any ] consumer :... [ a ] ll information in the consumer 's file.... '' 15 U.S.C. 1681g ( a ). A consumer reporting agency is liable for " actual damages '' if it negligently fails to comply with this requirement, 15 U.S.C. 1681o ( a ) ( 1 ), and it is liable for " actual damages, or statutory damages ranging from {$100.00} to {$1000.00}, as well as punitive damages and attorney 's fees '' if it willfully fails to comply, 15 U.S.C. 1681n ( a ) If you can not comply or refuse to comply with the above mentioned FCRA regulation Section 1681g ( a ) ( 1 ), I demand Early Warning remove all disputed items/accounts from each of the referenced Case IDs above. 



In addition, Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section- Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX XXXX or XXXX XXXX XXXX XXXX for the investigation. 



Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Overly excessive interest rate and hidden fees. Bad warranty, reporting inaccuracies on credit report. This company has lawsuits in XXXX states for its fraudulent dealings.

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 2023-05-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281SW715,719, I presume that no proof of alleged debts, nor therefore any such debt, in fact therefore exists!

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 2023-05-16 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16 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: TN

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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 2023-05-16 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: WA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA 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 2023-05-16 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: NY

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Comerica
State: CA

Complaint narrative:
I hav multiple commercial realestate loan With my Bank XXXX Comerica Bank ) close to XXXX XXXX now I paid all the loans off I noticed that 2 swap loans out of 4 the realestate that the assets ( Building ) was sold over 4 years ago yet the Bank never stop taking the payment every month via XXXX for Principal and interests they never credit me back or closed the 2 Swaps loans I dont understand where all the payment went close to $ XXXX in payment I dont understand why the refuse to address this matter with a specialist at the Bank so I can have a clear understanding how all my payments were applied I need your help the Bank now is putting a lot of daily pressure to get me to close the 2 remaining swaps loans please call me or email me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: VA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-16 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: VA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation