vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1500.00} ; XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-06 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: TX

Complaint narrative:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1500.00} ; XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I walked away with the car on XX/XX/2022 from XXXX XXXX XXXX. A day before that on XX/XX/2022 I was going to purchase the car, but the check engine light was on and I told them I would not be purchasing the car due to the check engine light being on and me being a XXXX XXXXXXXX, I needed a reliable car. They told me nothing was wrong with the engine or transmission it was just loose wiring. They called me back on XX/XX/XXXX and said that they had fixed the wiring and the car was good to go, a day of me having the car it broke down on me at a red light and completely shut off. Again they said it was something with the wiring and theyll get it fixed when I had took it back for them to fix it. After I took it back the second time to get it fixed two days later I was driving again and it shut off on me completely, so my mother and I took it back and demanded that I get another car or we will not be doing business with them any further. They said that a new car could not be given to me but that they will fix the incorrect wiring on the car for the third time, they claimed to have fixed it. Before It shut down on me completely I had to go get new brakes, so I went to XXXX XXXX And paid to get my brakes fixed with a credit card they offered me and once they fixed my brakes they told me that the dealership that sold me the car sold me the car with 0 % brake life and they are surprised that I made it here alive. After getting my brakes fixed and opening up a credit card with XXXX XXXX, my transmission went out completely around XX/XX/XXXX. That being the 4th time the car shut off on me, I had a mechanic come to my house to check the car and he told me that the engine was completely shot and the dealership I got the car from sold me the car with a bad transmission that only had a few weeks of life and hes surprised it didnt go out sooner. So I contacted the dealership and they told me that they would go half with me on all the repairs and I told them that I should not be paying for any of the repairs. They told me my warranty of 15 days was already up, even though I told them to fix the car many times during my warranty and they never truly fixed it. So I contacted Westlake financial letting them know that XXXX XXXX XXXX sold me the car with the transmission being out with 0 % brake life and they did nothing to fix the car when it was already having mechanical issues and that I could have lost my life many times in that car. All they told me I still had to make payments on the car and they came and repoed it.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX, PA XXXX ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX Balance : {$4300.00} ; XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$7500.00} XXXX XXXX XX/XX/2022

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 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I had a money transfer sent to my wise account on XX/XX/XXXX, which was due to arrive on XX/XX/XXXX, from an external bank account. 

The transfer was marked as being completed by the external bank, but it is still not present in my Wise account and this is now 8 days late. 

I have tried reaching out to their customer service on multiple occasions and provided them with numerous pieces of documentation, and still, they have done nothing- they keep saying it'll be " 1 to 2 more days ''.

The phone number they provide on their website for customers doesn't work and their chat is offline. They also don't respond on social media. 

They have provided NO WAY for me to have my issue resolved in any manner that is acceptable. 

There is no way for customers to get timely, efficient help with their issues. 

I have now looked further into wise and realized there are thousands of reviews from people having a highly negative experience with this company. 

It's a shame as I've used them for a number of years now. 

I would recommend all buisness owners to stay away from Wise- they can hold your money for up to 90 days without explanation - this can wreck small businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06 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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, 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 : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  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 explanation
Consumer complaint received 2022-12-06 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: AmerAssist A/R Solutions, Inc.
State: MN

Complaint narrative:
Disputes provided by credit bureau XXXX are not allowing proper or legitimate use of it product. XXXX has a process in drop down box format with options whichever best describes your issue as choice option. Not one option listed states " address dispute '' but however XXXX is stating to the creditor that I am disputing my address. I am not disputing my address but I am disputing an identification process in which the creditor can not prove identification such a simple state i.d document or license verification. However XXXX is ignoring my request for an identification request from the creditor which violates my FCRA rights.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: I.C. System, Inc.
State: MN

Complaint narrative:
Disputes provided by credit bureau XXXX are not allowing proper or legitimate use of it product. XXXX has a process in drop down box format with options whichever best describes your issue as choice option. Not one option listed states " address dispute '' but however XXXX is stating to the creditor that I am disputing my address. I am not disputing my address but I am disputing an identification process in which the creditor can not prove identification such a simple state i.d document or license verification. However XXXX is ignoring my request for an identification request from the creditor which violates my FCRA rights.

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 2022-12-06 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: NY

Complaint narrative:
I am writing again in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7700.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance 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 2022-12-06 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: NY

Complaint narrative:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.

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 explanation
Consumer complaint received 2022-12-06 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: CA

Complaint narrative:
This is my multiple requests 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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit reports requested by XXXX, XXXX, XXXX, XXXXt, and XXXX  in response to my applications for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contained these " Key factors that adversely affected your credit score '' : 1. XXXX : NUMBER OF ACCOUNTS WITH DELINQUENCY I have none. 

RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH 3-4 % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES The only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN What delinquency? There are none, and there have been none. 

NUMBER OF RECENT INQUIRIES ON CREDIT REPORT The only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX. 

2. Transunion : TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT What account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES Again, the only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The only loans are the 3.125 % XXXX mortgage and 2.9 % XXXX XXXX XXXX loans. 

XXXX. XXXX : LEVEL OF DELINQUENCY ON ACCOUNTS Again, What delinquency? There are none, and there have been none. 

TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT Again, what account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY INQUIRIES LAST 12 MONTHS And once again, the only inquiries have been those by potential lenders vying for this 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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit reports requested by XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  in response to my applications for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contained these " Key factors that adversely affected your credit score '' : XXXX. XXXX : NUMBER OF ACCOUNTS WITH DELINQUENCY I have none. 

RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH XXXX % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES The only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN What delinquency? There are none, and there have been none. 

NUMBER OF RECENT INQUIRIES ON CREDIT REPORT The only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX 

XXXX. XXXX : TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT What account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES Again, the only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The only loans are the 3.125 % XXXX mortgage and 2.9 % XXXX XXXX XXXX XXXX. 

XXXX. Equifax : LEVEL OF DELINQUENCY ON ACCOUNTS Again, What delinquency? There are none, and there have been none. 

TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT Again, what account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY INQUIRIES LAST 12 MONTHS And once again, the only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit reports requested by XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX in response to my applications for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt contained these " Key factors that adversely affected your XXXX XXXX '' : XXXX. Experian : NUMBER OF ACCOUNTS WITH DELINQUENCY I have none. 

RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH XXXX % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES The only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN What delinquency? There are none, and there have been none. 

NUMBER OF RECENT INQUIRIES ON CREDIT REPORT The only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX 

XXXX. XXXX : TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT What account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES Again, the only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The only loans are the 3.125 % XXXX mortgage and 2.9 % XXXX XXXX XXXX XXXX. 

XXXX. XXXX : LEVEL OF DELINQUENCY ON ACCOUNTS Again, What delinquency? There are none, and there have been none. 

TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT Again, what account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX  ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY INQUIRIES LAST 12 MONTHS And once again, the only inquiries have been those by potential lenders vying for this Home Equity facility.

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 2022-12-06 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 am writing again in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7700.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance 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