vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: TX

Complaint narrative:
I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$3800.00}

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 non-monetary relief
Consumer complaint received 2023-08-24 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: TX

Complaint narrative:
I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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:
I made an uninformed decision when I entered into a contract with XXXX XXXX XXXX, nor didi give XXXX XXXX XXXX any permission to access my personal information. Identify theft.Only evidence of a debt was the agreement which is null and void because I did not receive any notice stating the facts thereof, was never clear and conspicuous as stated in the federal law 15 usc 1601k. Congress clearly states that an any contract or agreement must be clear and conspicuous. There is no evidence of a debt. I never received any adequate notice stating the facts of this contract ; there for this agreement is deemed null and void.

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 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FCI Lender Services Inc.
State: MD

Complaint narrative:
I want to know who is my current servicer. 
where did you transfer money from the XXXX insurance claim

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 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
Debt collector is XXXX XXXXSouthern Oregon Credit Service . Received 1st letter XX/XX/XXXX stating I owed a debt of {$3400.00}. There was no proof I owed this alleged debt, I sent a certified mail debt validation letter to them on XX/XX/XXXX. I asked for Name and Address of Alleged Creditor, Name on File of Alleged Debtor, Alleged Account, Address on File for Alleged Debtor, Amount of alleged debt, Date that this debt became payable, Date of original charge off or delinquency, Was this debt assigned to a debt collector or purchased?, Amount paid if the debt was purchased, Commission for debt collector if collection efforts are successful. Also asked for a copy of the agreement with the client that grants them the authority to collect this alleged debt, and a copy of any signed agreement the debtor has made with the debt collector or other verifiable proof the debtor has a contractual obligation to pay the debt collector. As well as a copy of any agreement that bears the debtors signature, wherein they agreed to pay the creditor. 
Received another letter from them on XX/XX/XXXX stating the alleged debt and this time there was the first top page of a summary judgement included. 
This did not include the proof I asked for, so I sent a 2nd certified mail verification letter stating that the collector failed to validate the debt and they need to delete the debt, be removed from the firm file and copies of deletion must be sent to me. I also stated they should not contact me again. 
I then received a 3rd letter, this time with the first top page of a summary judgement, and also a list of alleged debt written in their office. Still no proof was given and this is now harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX an account was opened at regions bank under my maiden name XXXX XXXX, my social security and my date of birth. I received an email that a new account was opened and thought it was a scam. Then XXXX XXXX  received another email that there was a mobile hold on XXXX that was deposited into that account. I called regions bank in XXXX, Tennessee they told me to come in first thing Monday morning! I went down there told them what I had received and there was an an actual account opened under me. They told me they was going to put a freeze on the account and they didnt they put a hold on it due to receiving another email today XX/XX/2023 that a return of deposit was sending via mail to the address on file. They also told me not to fill out a fraud packet due to me not keeping the account open with regions bank and that they would take care of it and try and find out what was going on! They copied my license. I gave them my number they told me to freeze my credit and I did as soon as I left! The manager called me and said it was fraud activity and they would be looking into it further. Then today I receive the email of the money sent back that was deposited and I called the online help desk and they said that there was a small hold on account but it was not froze.

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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was told, by an influencer that they had a big lawsuit. I want my portions, so they said to make a complaint with Wells Fargo. When I was married, money constantly came up missing and all the fees we paid.

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 2023-08-24 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: NC

Complaint narrative:
The company can not provide proof that a debt was owed. Never signed a contract with a debt collection agency. Debt agency has also failed to provide transunion with a signature contract that i have with them to prove that i owe a debt.

The account is also only showing on one credit report which is also a fcra violation.

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 2023-08-24 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:
i noticed on nov. XX/XX/XXXX  my XXXX XXXX XXXX XXXX XXXX account XXXX showed 30day late-this account is on auto pay, i demand that this error be corrected because the money is taken directly out of the banking account to pay my account every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
During Covid pandemic I became XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX in XXXX, PA at the time in XX/XX/XXXX during Covid 19 that caused all business to shut down. However my XXXX  as a XXXX XXXX  for a XXXX that must remain open due to being an essential Business I was required to work throughout the entire Covid 19 pandemic and service customers. I XXXX XXXX XXXX XXXX XXXX XXXX and my Employer health insurance did provide some coverage for my Medical bills for the XXXX XXXX XXXX XXXX  but I had a large Deductible for the amount of {$5200.00} and also another for {$420.00}. Since then I have had major health complications during XXXX while having to work and had XXXX XXXX its that have put financial stress and mental stress with my and my family. We were also scammed by a I was repeatedly called from their billing department after I gave XXXX and harassed to make the full payment without them ever sharing they had any Financial assistance to help with the cost or didnt even negotiate the cost. I was denied and They threatened to sent the bill to collections and I asked if they could please help me with a payment plan. I did consent to a payment plan of {$25.00} a month as I could not afford the payments due to having to return to work and I had to pay Daycare costs including living expenses and bills. I also was involved in a accident when I returned to work when a driver ran into my car and Totaled my vehicle and because this I also needed to purchase a car so that I was able to work. The XXXX XXXX did not notify me that my payment plan stopped and they then took action without contacting me or my bank as to why they did not receive payment for a agreement I consented to and agreed to pay and I never consented to stop the payment. On XX/XX/XXXX I received a alert from my credit reporting service that I had 2 accounts from a collections agency called Medical Data Systems that were hired by XXXX XXXX  to collect a debt I agreed to pay monthly. I pleaded with the collection agency to please not due this as my employment career would be at risk as I work for a XXXX I also pleaded with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
I contacted the company to stop harassing me and threatening me and they still continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion has ignored my request to investigated items i have no idea where they came from. The letter i mailed to them XX/XX/22 stated the things i needed fixed but yet to get a response

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 2023-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Upon receipt of this notice, Im demanding you to cease further communication with me through all mediums including my consumer report through the consumer reporting agencies. You do not have my consent or the express permission of a court to communicate with any third party in connection with the collection of any debt pursuant to 15 USC 1692c ( b ). I refuse to pay such alleged debt and any noncompliance to such notice being given, will result in me having to exercise my consumer rights against you for failing to comply with the provisions of the Fair Debt Collection Practice Act pursuant to 15 USC 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
i contacted experian on XX/XX/XXXX to request information on accounts that should not being reporting to my credit. I have giving them more than 30 days and have not received any acknowledgement to my concerns

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 2023-08-24 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$460.00}.

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 non-monetary relief
Consumer complaint received 2023-08-24 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$460.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: TX

Complaint narrative:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake took over servicing my car lease from American Car Center. After not validating the debt properly Westlake Repossessed the vehicle, they over charged on repossession fees and they never sent a right to cure letter. My vehicle was picked up on XX/XX/23 and as of today XX/XX/23 I have received no paperwork about my vehicle, only a bill every two weeks. I believe they sold the car on or before XX/XX/23 because the title was updated that day, I was given no notice of a sale taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/22 i sent a letter to equifax explaining that i wanted to have a investigation into some items i feel were not accurate. to this date they have yet to respond to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
Hello, EDfinancial is my loan servicer. On XX/XX/2023 I requested a refund for XXXX as I made a payment. However, due to family troubles and hospital bills I need the money to help my father and pay for it. I requested the refund same day and I got an email saying it was processed. However, when I called to confirm eta no one.. no one could tell me an eta. This to me is concerning because its been almost 3 weeks and there has been no updates on whether the refund can even be processed an accepted. I need to pay the bills off as soon as I can and I am very worried about not having the funds. I am hoping to get some help to get any info or speed on this process. Thank you for reading my store. Take csre

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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:
From XXXX XXXX social security number is XXXX XX/XX/69 year, of birth my complaint is that experian supposed to remove the 1 negative item that's changed off the account is XXXX I filed a federal trade commission identity theft report on file with experian the item supposed to be removed due to fraud

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