vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: MD

Complaint narrative:
After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by The XXXX. The company claimed that I owed for something I disputed with them. I have yet to receive any written communication from them. I have recently had negative hits on my credit report from XXXX XXXX. I have not been given the proper documentation and they are taking illegal action to place this on my credit report without going through the proper procedure of debt collection. 

Please have them provide physical evidence that I have a legal obligation to pay XXXX XXXX. That is exactly all I need. Please provide me with the name of a written agreement, signed contract with XXXX XXXX, the money owed, and license number. If they can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely 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 2023-05-18 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: 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 : XXXX, XXXX : XXXX, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX XXXX XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, 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 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 2023-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # 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 I have reached out about all of these accounts and inconsistencies several times, these errors are hindering me from moving forward in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
On XX/XX/XXXX Wakefield & Associates reached out via text. I requested to opt out at the time. They sent another text on XX/XX/XXXX from a different number. On XX/XX/XXXX they have again sent another email. I previously reached out and complained to cfpb against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: CA

Complaint narrative:
fraudulent inquires to be removed XXXX INQUIRY XXXX ON XX/XX/XXXX, XXXX XXXX DATED ON XX/XX/XXXX, XXXX  XXXX IQNUIRY DATED ON XX/XX/XXXX, XXXX  XXXX INQUIRY DATED ON XX/XX/XXXX, XXXX  XXXX XXXX XXXX INQUIRY DATED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX DATED ON XX/XX/XXXX, XXXX XXXX XXXX DATED ON XX/XX/XXXX, XXXX XXXX XXXX DATED XXXX XX/XX/XXXX, XXXX XXXX DATED ON XX/XX/XXXX, XXXX  XXXX XXXX DATED ON XX/XX/XXXX, XXXX XXXX DATED XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
I had insurance that paid the full amount at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX and this debt shows up after the XXXX XXXX  leaves the medical center and I have not seen him since. I still go here and I am not billed outside of the small XXXX XXXX procedure that has somehow gone over to collection without me being able to challenge the insurance company over 2 years ago and/or 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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Ok I am totally done with Goldman Sachs and there lies! I have a ton of evidence against them and I know I have won XXXX disputes out XXXX disputes and there are still XXXX disputes left which I have just won XXXX of them for {$100.00} and today received an email losing XXXX for XXXX which I am re-disputing. I also know they owe me over {$10000.00} dollars and will not reimburse me for this amount. Truce is off my enemy.I gave you the benefit of cashing out on what you owe me and you continue to want more. Not only was the dispute that I lost, you never asked for any evidence and you charged me for more than the transaction. I have enclosed all of this to lay your lying eyes on! You are a XXXX  bank who I guess is going under so you charge your customers more to make up for all your losses. Well I am done with you and want to be really done with you! Knew if I gave you some rope you would hang yourself and you did. I am sick of you saying our bank records are right and thank you for letting us address this. Well your bank records are not right and addressing the problem is not your forte! All you do is tell lies! I dont even know what you can do to fix this problem! Being honest would be the first step. Paying your debts would be the second step! Treating your customers with respect could be the next step! I had to get my own audit because you are so lame and crooked that you wouldnt do it because you knew I was right. Pay up what you owe your customers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I have contact the loan company about this car witch was sold to insurance company and this was back in XXXX  they refuse to close the account and keep adding money on to the loan after the car was sold to insurance and they sent the title to the insurance company this account should not even still be open

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 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
On XXXX at XXXX XXXX  I received a text from Stat Collection Service XXXX I was told to call XXXX about a alledge debt I called at XXXX XX/XX/XXXXput my phone number in so they could find my information once located then I was transferred to XXXX ( XXXX XXXX XXXX I asked who I owed the this alledge debt to XXXX XXXX states he didnt know who I supposedly owed the alledge debt to, if thats the case how can you say I owe alledge debt if you dont know the company name phone number or address, he changed his story to ( XXXX XXXX ) then stated he needs me give my personal info before he can proceed XXXX XXXX only stated that because I was asking him questions about Alledge Creditor info he state he doesnt have an idea who he trying to collect for he couldnt provided debt company information but at the beginning of the State Collection Service call stated they have XXXX account in my name so they had whatever information they may need XXXX XXXX was not being truthful about alledge debt I told him this is a scam what I dont know I wasnt given no info about this alleged debt nor did I receive anything in writing just a text from State Collection Service on XX/XX/XXXXso you can assist me Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Stollen credit wrong mailing address stollen property taxation issues identity theft since 2016 my address not changed three years stollen assets never got rightfully mines TransUnion report shows I have confirmation letter as well

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 2023-05-18 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: NJ

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in 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 non-monetary relief
Consumer complaint received 2023-05-18 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: NJ

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I received a phone call, caller i.d identifies caller as Wells Fargo. The person on the line informs me that someone opened an additional XXXX account and is requesting to transfer {$970.00} and {$340.00} if I approve this transaction. I stated NO I do not want to authorize the transfer. Agent then directed me to log in my Wells Fargo account click on the XXXX link and type in the fraudulent additional account number which was XXXX then enter amount of {$970.00} and type Cancel Transaction and repeat for the second unauthorized amount of {$340.00}. Once I complete it, I received email from Wells Fargo stating I sent the funds not canceled. So I immediately contacted Wells Fargo and explain to the agent what just happened he stated that can not stop or cancel the transaction even though its only been a few minutes. After the Wells Fargo agent informed me that they will try to get the funds back and will notify me in the next 10 days. Soon after I received letters in the mail informing me that Wells Fargo was not able to retrieve the funds, and suggested that I reach out to the scammers and request for them to return the funds. Very disappointed experience that is a significant amount of funds for me and is a challenge to recover from. I have been banking and a loyal customer with Wells Fargo for almost 20 years and I never experienced such a disappointment such as this situation. The scammers was able to verify all my information, It seems like either Wells Fargo had a security breach or someone employed is selling or sharing customer information. Thank you in advance for any assistance that can be offered.

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 2023-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
My mortgage company, CARRINGTON MORTGAGE SERVICES , LLC, didnt pay my home insurance to XXXX XXXX XXXX XXXX  on time through escrow. For the life on my loan, my home insurance payments have been paid through escrow. 

The home insurance was due XX/XX/2023, but my mortgage company didnt pay until XX/XX/2023. As a result, my home insurance was cancelled and the company is refusing to underwrite me again. I am struggling to secure home insurance, and what companies will work with me are charging much more. 

The home insurance company remitted the payment attempt back to me by cutting me a check on XX/XX/2023. I received that check on XX/XX/2023. My mortgage company is refusing to help me. Ive called multiple times over the past two days, and no one seems to care even though this is an error stemming from their gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I HAVE ACCOUNT WITH BANK OF AMERICE ( P.U.A ) UNEMPLOYEDMENT WITH FUND ON IT SINCE XXXX IT IS NOW XXXX OF XXXX THIS I BEEN HAVING PROBLEM WITH ACCOUNT FOR A XXXX XXXX XXXX  SOMEONE HAD GOT A HOLE OF MY ACCOUNT AND STOLE MY MONEY OFF IT AND WHEN I FOUND OUT AND DID A CLAIM TO GET MY MONEY BACK THEY TELL ME THAT I NEEDED TO VERIFY MY IDENTITY SO I DID THAT I EVEN RICH OUT TO UNEMPLOYMENT TO HELP ME WITH THIS MATTER BUT BUE TO THE FACT THAT THEY DO NOT WORK WITH ( B.O.A ) ANY MORE THAT COULDN'T HELP ME I EVEN FILE A POLICE REPROT ON THE MATTER I EVEN HAD ( P.U.A ) ISSUE ME A LATER TELLING THAT TO ISSUED ME MY MONEY THATS ON THE ACCOUNT BUT THEY TELL ME THAT CANT HELP ME ..I SEND THEM ALL THE PAPER WORK I HAD SO THAT CAN HELP ME BUT STILL NO HELP. I THEN LOST MY APARTMENT SINCE ALL THIS MY KIDS HAD BEEN PLACE WITH MY SISTER BECAUSE I COULD NOT FEED THEM ARE HAVE A PLACE FOR THEM TO LEAVE MY BOYFRIEND GOT KILLED I COULD EVEN PAY FOR HIS FUNERAL BECAUSE I CONT GET TO MY MONEY..I NEED MY MONEY SO I CAN FIND A PLACE FOR ME AND MY KIDS ..PLEASE HELP ME

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 2023-05-18 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: CA

Complaint narrative:
I am writing to dispute the validity of an account held by your company, XXXX XXXX XXXX, as it pertains to my personal financial records. Pursuant to the provisions set forth by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a comprehensive investigation into the alleged debt associated with the aforementioned account. 

Account Details : Account Number : XXXX Original Creditor : XXXX XXXX Date of Account Opening : XX/XX/2022 Amount in Dispute : {$150.00} I believe there may be inaccuracies and discrepancies regarding the aforementioned account. Under the FCRA, I am entitled to receive a written response within 30 days of this letter and a detailed investigation into the matter. During this investigation, I kindly request that you provide the following information : Verification of Debt : I request that you provide valid documentation verifying the debt, including the original contract, signed agreement, or any other pertinent documents proving my liability for the alleged debt. It is essential that the documents clearly establish my obligation to pay.

Verification of Creditor 's Authority : Please provide proof that XXXX XXXX XXXX has the legal authority to collect on this debt and that the debt was assigned to your company lawfully. 

Validation of Reporting : If you have reported this debt to any credit reporting agencies, please provide proof of accurate reporting. I request that you furnish any supporting documentation demonstrating that the account information has been correctly reported, including dates and amounts. 

Cease and Desist : In accordance with the FDCPA, I kindly request that you cease all communication with me regarding this debt until the investigation is complete. This includes phone calls, letters, and any other means of communication. Please restrict any contact to providing me with the requested documentation and notifying me of the results of the investigation. 

Failure to comply with the aforementioned requests may result in legal action. If it is determined that any violation of my rights under the FDCPA or the FCRA has occurred, I reserve the right to pursue all available remedies under the law. 

I would also like to request that you confirm in writing that this dispute has been received and is being investigated. Additionally, I kindly request that you provide me with the contact information for your designated agent for service of process, as required by the FDCPA. 

Please direct all correspondence, including the requested documentation, to the address listed at the top of this letter. I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. 

If you do not any proof, you must delete this account immediately.

Company response to consumer: Closed with non-monetary relief