vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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:
When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below, and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX 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 2023-05-02 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:
When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below, and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXXXX/XX/XXXX ; XXXXXXXX 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 2023-05-02 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account numberXXXX Date opened : XX/XX/XXXX Account mame : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.

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 2023-05-02 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:
In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account numberXXXX Date opened : XX/XX/XXXX Account mame : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: FL

Complaint narrative:
I NEED XXXX XXXX DELETED FROM MY XXXX REPORT ASAP. 
I NEED TO HAVE ALL INQUIRES REMOVED FROM ALL XXXX CREDIT REPORTS ASAP

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 2023-05-02 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account XXXX Date opened : XX/XX/XXXX Account XXXX : 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 Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.

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 2023-05-02 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 was never late on these account. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Balance : {$2000.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$820.00}, XXXX, XXXX. XXXX Date Open : XX/XX/XXXX Balance : {$240.00}XXXX XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$5000.00}, and XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Balance : {$5000.00}. Please update.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX  XXXX Balance : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I submitted a dispute and letter requesting to validate this debt to CACI on XX/XX/23 and have not received the requested response to my dispute. I filed a complaint to CFPB also on XX/XX/23 against CACI, and in their response the company stated I had an open dispute with them. It is over 30 days and I am requesting that they delete this collection account from all 3 credit bureaus as they have not provided validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have spent a number of years days weeks trying to get TransUnion to correct the issue so that I can retrieve my credit report. I have been transferred several times and to supervisors and still the problem has not been fixed. 
I just need my TransUnion report and should not have to wait for it in the mail. I should be able to log in and get it. So maybe you can get TransUnion to finally fix the darn  issue.

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 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
A contractor attempted to scam me using Zelle. I paid him ( in advance against my better judgment ) via ZELLE last week ( XX/XX/2023 ). He didn't show up on the day he was supposed to do the job and when he finally did show up today ( XX/XX/2023 ) he didn't have the skills and/or tools to complete the job. He apologized and said he said he'd refund most of the money back via Zelle. I got a text saying I needed to enroll in zelle first in order to receive the money he sent, but I obviously didn't need to enroll AGAIN since that's how I sent him the money in the first place. 
When I attempted to reach out today to Zelle 's fraud department, to see if the text I got was from Zelle, and if not, to report the scam ... .I found that there is literally no way to contact someone in person. The message just says to contact your bank if you don't have the app. And if you DO have the app, you're supposed to hold for someone to help you, but no one ever picks up and it goes in a loop nowhere .... I feel helpless and wish corporations didn't behave in this manner. I've literally tried all day to try to fix this issue with my bank. Zelle is nowhere to be found. I attached a screenshot from someone on XXXX with the same problem as I've been researching this issue all day and can find no help other than on XXXX. I had to the threaten to call the XXXX  XXXX liability and insurance department to file a claim in order to get him to pay me back via XXXX. As you can see from the screenshots, his name is different in XXXX vs. zelle. His phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was never late on these account. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My mobile park lot was denied from false allegations that was typed by XXXX that doesnt match on what it says on my transunion report. My credit score XXXX. and seem to not understand i was not approved. i am currently in the process of closing and this is the only thing that is holding me up. on their website XXXX. they suppose to support their XXXX XXXX as well stating thank you heroes. this is how they thank their XXXX XXXXr by denying me forgering a document to denied me entry onto the lot. i also have a XXXX son i want to give a good life for. that i also have written documents as well. they as in XXXX XXXX have said it was a background check that turned into a credit check denied ( which i have proof threw an email ) on the phone it have said to me and threw an email that was given to myself and to my union lawyer. false allegations just to deny their XXXX XXXX  is uncalled for and unfair. i have the document which states the false allegations towards myself in this compliant report attachment. see attachment. i have called the fraud department my reference # XXXX i have spoken to XXXX in the fraud department.

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 2023-05-02 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: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be blocked ( A ). I will take legal action against you if you do not remove these items. Please follow the law so that this situation can be settled quickly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02 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: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be blocked ( A ). I will take legal action against you if you do not remove these items. Please follow the law so that this situation can be settled quickly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Linebarger Goggan Blair & Sampson LLP
State: MI

Complaint narrative:
I'm reporting the XXXX XXXX XXXX ( https : XXXX ) as well as Linebarger Goggan Blair & Sampson , LLP Attorneys At Law XXXX XXXX XXXX XXXX  ) for not ceasing and desisting according to ( 20 U.S. CODE SECTION 1234e ), to collect a presentment that was already dealt with in court- WHICH HAS BEEN PASSED THE TIME OF 3O DAYS LENGTH. and they disregard XXXX XXXX, which means they don't even know what the definition of a crime is. I reported them to the XXXX as well as to the CFPB. I hope that your department would be help to this situation, because they don't have consent from me to attack any of my rights, because I RESERVE MY RIGHTS UNDER ( UCC 1-308 WITHOUT PREJUDICE ). They seem to over look that, and It's a violation. 

Sincerely, XXXX XXXX SEE ATTACHMENTS. 
( 42 U.S. CODE SECTION 408 ), ( 18 U.S. CODE SECTION 1001 ), ( UCC 3-104 ), ( HJR 19XXXX ), ( 15 U.S. CODE SECTION 1602g ), ( UCC 1-308 ), ( 28 U.S. CODE SECTION 2007 XXXX AND ( SECTION 242 OF TITLE 18 ). 

Linebarger Goggan Blair & Sampson, LLP XXXX XXXX XXXX XXXX XXXX, TX XXXX Hung up on an investigation in regards to a fraudulent collection. In which they refuse to drop charges against me. I owe no debt, as was told to them. corpus delicti Primary tabs XXXX XXXX is a common law XXXX phrase that translates to body of the crime. The phrase generally refers to the principle that no one should be convicted of a crime without sufficient evidence that the crime actually occurred. The rule began in part to prevent the government from punishing individuals for a crime solely based on their confession, which in many cases were false and driven by coercion. In modern practice, corpus delicti requires that the government have enough evidence showing that the essential parts of a crime occurred before they can even charge an individual. If the corpus delicti bar has not been satisfied, the government can not prosecute an individual. Much litigation arises on exactly how much corroborating evidence must show a crime actually occurred before corpus delicti is satisfied and rules vary based on the jurisdiction and the nature of the case. Some states require or used to require that corpus delicti be proven completely separate from the statements of the accused. However, some states such as California allow the statements to be considered alongside some corroborative evidence, and if the statements occurred during the commission of the crime, there may be no requirement for corroborative evidence at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I visited The XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their contact number is ( XXXX ) XXXX - XXXX. 

As I was in the middle of making a purchase, the cashier asked me if I wanted to sign up for a rewards card. As she kept trying to convince me that it was not a credit card, I still asked her three times to make sure it was not a credit card because I was trying to get a home. She promised that it was not a credit card, so I gave her my information. 
She then came back to me and said it was not approved. I said to her that I never had a rewards card not approved. Before I left the store, I called for a manager. The manager went over to check her cash register, and sure enough she pulled my social security number for a XXXX  Credit Card.

The manager apologized but it was too late. 
On my credit report, they did a hard pull and then removed it, but my credit score dropped because of that pull. 
I can not find a decent attorney that would represent me, and I am now inquiring to see if CFPB can compensate me for the damages they did even after they pulled it. 
I do have copies of them removing the inquiry, my receipts of me being at the store as well. 
I want to make sure this never happens again to anyone.

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