vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-19 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: GA

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-06-19 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: GA

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: LEXISNEXIS
State: GA

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: GA

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fradkin & Weber PA
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX Fradkin & Weber PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fradkin & Weber PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Case No : XXXX Case No : XXXX Subject : Claim of Proof Service re : Wage Garnishment This compliant is for both cases referenced above. 

Fradkin & Weber claimed a proof of service for debt and wage garnishment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sales. 

I have not been a resident of the address listed in the court records for several years and likely Fradkin & Weber have received the proof of service delivered back as undelivered, or unknown at that address- and have failed to inform the court of this fact. 

I still have mail forwarding on the address on the court record and know they have not sent any certificate of service to my person. 

I learned of this case was still being prosecuted when I got a certificate of compliance for Writ of Wage Garnishment via a mail forwarding with USPS. 

In addition, I am a resident of the XXXX XXXX XXXXXXXX, and Fradkin & Weber, PA, have not demonstrated any jurisdiction to collect on a Maryland Judgement on a resident of the XXXXXXXX XXXX XXXXXXXX, and under PA law are past any statue of limitations to file a new judgement in the XXXXXXXX XXXX XXXXXXXX courts. 

I believe Fradkin & Weber, PA, who has a history of violating the Maryland Collection Act, in stating a certificate of service was sent to the court of Maryland, has violated Maryland Code 14202 - false and misleading representations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
Unknown actor applying for credit card by stealing my identity. Unknown trans unionXXXX credit card application. 

Unknown applicants additionally accessed my XXXX account at XXXX XXXX and purchased phones on my account without my authorization.

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 2022-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
RESUBMISSION OF COMPLAINT. 

I am requesting that this complaint not be closed. As I and you know AES will not take responsibility for their actions. Simply taking their word over mine is not a thorough investigation of their actions. I am requesting that they provide you with a promissory note in the amount of the original balance they allege I borrowed in the amount of XXXX. They doubled the original amount that is what they did. I am not disputing the true original amount which is around 30K but less than 40K. I am not disputing the default. I am disputing everything else as well as how they misappropriated my payments which was done in a way to keep the loan open. I am also disputing the lender on the account as I called the lender and they have no record of me. They keep records of their borrowers and because I am still overpaying the loan they should have record of me. The lender instructed me to get to the bottom of this with AES who keeps dodging questions and acting ignorant as to what I am asking. I believe I made myself clear to them. 

To AES XX/XX/2022 I want to make myself real clear as well as document my request which has yet to be received. I asked you to send me a promissory note of the alleged original balance that you claim I borrowed. So far, that has not been done. The promissory note provided to me is around 30K but less than 40K. Again, to be clear I said the loan was overpaid as you charged me twice. Again, to be clear I requested all overpaid funds including interest along with capitalization regarding the overpayment to be refunded. Again, to be clear I stated that the payments made to you were not properly distributed meaning you applied my payments to a consolidated loan in such a way that benefited the lender. You purposely kept the loan open making sure it was never going to be paid off. Again, to be clear I called the lender and they said they have no record of me. Even though AES services their loans they keep a record of all their borrowers. They checked their old system and their new system. At which time, they told me to contact you regarding the discrepancy which I have done. For the last time, provide me with the promissory note in which you allege my original balance was in the amount of XXXX. I am telling you now I know you can't because it doesn't exist. This was/is and still is being overpaid that simple. So, stop with the lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: AL

Complaint narrative:
I noticed several accounts on my Equifax credit report that does not belong to me XXXX XXXX XXXX... XXXX XXXX XXXX XXXX Bank ... XXXX XXXX XXXX XXXX... XXXX XXXX Bank. XX/XX/XXXX... XXXX XXXX Bank XXXX XXXX ... XXXX XXXX Bank XXXX XXXX ... XXXX Dept of Ed / XXXX ... XXXXXX/XX/XXXX... XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XX/XX/XXXX... Unauthorized inquiry... XX/XX/XXXX XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XXXX paid a medical bill to Capio partners and on XXXX XXXX received a bill for that debt fromXX/XX/XXXX. Called them that Monday and let them know it was paid in full. They had email receipt to XXXX It took me a while to get receipt from Capio partners. Got the receipt from Capio sent it over to the email provided to XX/XX/XXXX on Thursday XX/XX/2022. On XX/XX/XXXX I check my credit and it is listed as a collection again. I have the proof it is paid in full. Thank you for your attention in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity thief. To protect myself from future issues I have placed a freeze on all three credit reports and a fraud alert. However I am still seeing inquires on my Transunion credit report that needs to be removed as I did not apply nor consent to the following inquires. XXXX XXXX  on dates XXXX AND XXXX. However last year in XXXX I did apply for a auto loan and credit, those XXXX are valid dates XXXX and XXXX. Lastly XXXX XXXX XXXX XXXX  sent me a check in the mail in XXXX to deposit into my account if I wanted to. I did take it however a credit inquiry should not have been added to my credit report being that it was already solicited and approved. I spoke with the company and they agreed to remove the inquiry however it is still reporting. To prevent this from happening in the future I have I have frozen all XXXX credit bureaus. Please remove the fraudulent inquires 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 2022-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX , I was under the impression that I entered into a consumer credit transaction when I provided the person. 
Wells Fargo XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX my information.

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 2022-06-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  XXXX XXXXDate of inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  XXXX XXXXDate of inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center 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 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