vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 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:
n accordance with the Fair Credit Reporting act XXXX acct # 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 XXXX accordance with the Fair Credit Reporting act XXXX  Acct. # 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 XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 XXXX accordance with the Fair Credit Reporting act XXXX XXXX Co Acct 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct 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 XXXX accordance with the Fair Credit Reporting act XXXX XXXX Acct 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 XXXX accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Acct XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT XXXX ACCT # XXXX, ACCT XXXX ACCT XXXX ACCT XXXX ACCT 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 non-monetary relief
Consumer complaint received 2022-07-31 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:
n accordance with the Fair Credit Reporting act XXXX  acct # 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 n accordance with the Fair Credit Reporting act XXXX Acct. # 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct 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 XXXX accordance with the Fair Credit Reporting act 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 n accordance with the Fair Credit Reporting act 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 XXXX accordance with the Fair Credit Reporting act DEPT OF EDXXXX XXXX XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT XXXX ACCT # XXXX, ACCT XXXX ACCT XXXX ACCT XXXX ACCT 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused serve XXXX upon me and I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawful COMPLIANT REPORTING STANDARDS such as the METRO 2 XXXX Points of Compliance and other potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( XXXX ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiable METRO 2 FORMAT compliance of reporting standard ( XXXX ). 
Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. 
I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( XXXX ). For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. 
I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Ive never heard of Truist back until I got a notice in the mail. A few days later I get an email from ( XXXX ) to my personal email account. I called the branch closest to me and got the number for the fraud dept, it was the same phone number in the email. But when you call people with accents are asking for my social security number. Seems very fishy but see as the number came from someone at the branch this whole bank seems fishy.

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 2022-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
MIS-APPLICATION OF BORROWERS LOAN PAYMENTS BY WELLS FARGO TO PAY FOR LEGAL FEES-LOAN ACCT. # : WELLS FARGO LOAN ACCOUNT # XXXXXXXX XXXX XXXX ACCT. # XXXX. 

I wish to request that the amount misapplied by Wells Fargo wrongly towards legal fees and expenses disbursements contrary to the compliance requirements of the Real Estate Settlement Procedures ( RESPA ) and its implementing regulation, Regulation X. This also constitutes violations of the Consumer financial Protection Act of XXXX. 
These monies meant for the purpose of principal payments, interest and escrow ( taxes etc. ) payments were not applied ; accordingly, rather used to settle legal fees without any disclosure ( s ) to the borrower at any time.

Wells Fargo had accepted that only the sums of {$3400.00} and {$3400.00} was applied from the loan accounts for legal fees/costs and foreclosure costs respectively ( see Exhibits 1 and 2 attached ). Howbeit, the loan account activity statement provided by Wells Fargo specifically for years XXXX and XXXX, clearly confirms that {$22000.00} was misapplied for legal fees and disbursements ( see Exhibits A and B attached ). 
The New York State Laws states that not more than {$600.00} should be expended to recover any debts from the borrowers loan account ( See Exhibits C attached ) In XXXX, the borrower requested that the unutilized balances in the borrowers loan account including the excess legal fees be credited and applied to the loan principal account which was then in arrears of two-months in the sum of {$8600.00}, to fulfil the requirements of the XX/XX/XXXX modification agreement with XXXX XXXXWells Fargo for the forgiveness of the deferred 2nd principal amount of {$140000.00} conditioned on the borrower not being in arrears of 3 months mortgage payments at any time ( Exhibits 4 and 7 attached ) Wells Fargo did not resolve my concerns nor honor my request; but instead, immediately : 1 ) Cancelled the loan forgiveness of {$140000.00} stating the borrower had violated the terms of the modification agreement and 2 ) Transferred the servicing of the loan to a new servicer, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: GA

Complaint narrative:
I posted an item for sale through XXXX XXXX for {$500.00}. I soon received a direct message from XXXX XXXX ( email XXXX Registered as XXXX through ZelleXXXX ) ( User name XXXX XXXX ) asking if the item was still available. I responded yes. She then proceeded to ask if I had Zelle in which I responded yes. We then began to have the exchange via XXXX XXXX ( I have entire screenshot of messages ). I received an email from XXXX XXXX  ZelleXXXX  '' speaking about a business account and that I needed to send the overpayment of {$200.00} in order for the initial payment of {$750.00} to be released because I did not have a business account ( I have those emails as well ). In which I did. I then received an email asking for another {$500.00} to be sent to release the hold. XXXX then asked that I send the payment of {$300.00} to XXXX XXXX via Zelle using the email ( XXXX ) in which I only sent {$300.00} because Zelle stated that I had reached my limit for sending money. I was then advised by XXXX to send the remaining {$200.00} to XXXX ( XXXX ) via XXXX in which I did. The funds in the amount of {$1200.00} were never released to my XXXX account. XXXX then requested that I send an additional {$500.00} via XXXX XXXX in which I refused. I also requested a refund via XXXX for the {$200.00} to be refunded via XXXX and no response. I requested the funds be returned from XXXX XXXX XXXX ) and XXXX XXXX in which they have failed to do so.. I was also approached by XXXX in XXXX XXXX ( XXXX User XXXX ) with a similar request... I have screenshots of all interactions with both XXXX XXXX and XXXX .... I have complete emails and screenshots available as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
MIS-APPLICATION OF BORROWERS LOAN PAYMENTS BY XXXX XXXX TO PAY FOR LEGAL FEES-LOAN ACCT. # : XXXX XXXX LOAN ACCOUNT # XXXX SLS LOAN ACCT. # XXXX. 

I wish to request that the amount misapplied by XXXX XXXX wrongly towards legal fees and expenses disbursements contrary to the compliance requirements of the Real Estate Settlement Procedures ( RESPA ) and its implementing regulation, Regulation X. This also constitutes violations of the Consumer financial Protection AcXXXX of XXXX. 
These monies meant for the purpose of principal payments, interest and escrow ( taxes etc. ) payments were not applied accordingly ; rather used to settle legal fees without any disclosure ( s ) to the borrower at any time. 
XXXX XXXX had accepted that only the sums of {$3400.00} and {$3400.00} was applied from the loan accounts for legal fees/costs and foreclosure costs respectively ( see Exhibits XXXX and XXXX attached ). Howbeit, the loan account activity statement provided by XXXX XXXX specifically for years XXXX and XXXX, clearly confirms that {$22000.00} was misapplied for legal fees and disbursements ( see Exhibits A and B attached ). 
The New York State Laws states that not more than {$600.00} should be expended to recover any debts from the borrowers loan account ( See Exhibits C attached ) In XXXX, the borrower requested that the unutilized balances in the borrowers loan account including the excess legal fees be credited and applied to the loan principal account which was then in arrears of two-months in the sum of {$8600.00}, to fulfil the requirements of the XX/XX/XXXX modification agreement with XXXX XXXX XXXX for the forgiveness of the deferred XXXX principal amount of {$140000.00} conditioned on the borrower not being in arrears of 3 months mortgage payments at any time ( Exhibits 4 and 7 attached ) XXXX XXXX did not resolve my concerns nor honor my request; but instead, immediately : 1 ) Cancelled the loan forgiveness of {$140000.00} stating the borrower had violated the terms of the modification agreement and 2 ) Transferred the servicing of the loan to a new servicer, Specialized Loan Servicing ( SLS ).

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 2022-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
So I sent a letter off on XX/XX/XXXX and XXXX, 2022 here are my tracking numbers # XXXX and XXXX to remove inaccurate personal, financial, and late payments information that I don't want on my credit report and I would like the accounts deleted and removed off my credit reports. According to the fair credit reporting act 15 USC 1681 ( a ) and 15 USC 1692 ( a ). I have the right to privacy.

Also according to 15 USC 6802 ( a ), ( e ) 5, no financial institution is supposed to share my information with third-party people. 
The credit bureaus removed it and re-adding it After the first complaint I submitted and issued it back on my credit reports These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
So I sent a letter off on XX/XX/XXXX and XXXXXXXX XXXX  here are my tracking numbers # XXXX and XXXX to remove inaccurate personal, financial, and late payments information that I don't want on my credit report and I would like the accounts deleted and removed off my credit reports. According to the fair credit reporting act 15 USC 1681 ( a ) and 15 USC 1692 ( a ). I have the right to privacy. 
Also according to 15 USC 6802 ( a ), ( e ) 5, no financial institution is supposed to share my information with third-party people. 
The credit bureaus removed it and re-adding it After the first complaint I submitted and issued it back on my credit reports These are clear violations of my federally protected consumer 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 2022-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: TX

Complaint narrative:
After checking my credit score, I discovered my credit score had decreased significantly. I then checked my credit report and XXXX and XXXX placed a collections for XXXX XXXX. I have not received any notifications of a debt owe by XXXX XXXX or Smith and Rouchon. I want this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: MA

Complaint narrative:
In aceordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX 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

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 2022-07-31 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: MI

Complaint narrative:
Credit report agency is reporting inaccurate false 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 2022-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was missing a couple of checks that I sent out to pay some of my bills. I checked XXXX and the water company and they have not received my payment yet. After noticing the missing checks, on XX/XX/XXXX, someone from Wells Fargo called my phone and stated that there is suspicious activity in my account. She asked if I withdrew money, which I did not. 
Once I got the call, on XX/XX/XXXX, I went to the bank to report the suspicious activity. I then told them that I am missing the checks. The banker said to change my checking account number and open a new one. I closed the old checking account number and thought everything is done. However, on XX/XX/XXXX, someone successfully took money from my new checking account. In total, they stole {$17000.00} ( checkings and savings ). The banker was also confused because the checking account is new. I went to the bank again to file a complaint and the banker documented everything. He was very helpful to 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 monetary relief
Consumer complaint received 2022-07-31 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: MA

Complaint narrative:
In aceordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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

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 2022-07-31 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: MA

Complaint narrative:
In aceordance with the Fair Credit Reporting act XXXX Account Numbers : XXXXXXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation