vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
In conversation prior to me making a payment, I talked with the collector, and we verbally discussed if i was to make the payment of {$390.00} Reg Debt {$780.00} that this will be removed off of my credit report, 30-45days after. it never was removed, I also asked for this to be in writing, i never received the letter in written, I called back months later due to this debt not being removed off of my credit report, after paying this company with no proof that the debt was even mine. I paid like a man. I spoke a female and the story is different she said were not removing this debt off your credit report and i said are you sure because this debt that i already paid and we agreed that it will be removed months prior and she said we will not be removing this debt and i said that wasn't the agreement because if it was i would not have paid them and let the debt sit for 7yrs but that's not my charter and that wasn't the agreement this is harming my credit report i have lost way more from this company/debt collector showing maliciously malice to me an i paid them, it's not like I didn't pay them, i paid them and they simply just refusing to comply, with no penalties how??? But i have to still pay for a debt that i have paid. If I need to get a legal time involved I will, this is my life here and no one cares but me no one should care but me and that is why i am taking these actions to get this issue resolved. Please remove this collection off of all my credit reports. In my attachment box will be two files the file that is labeled XXXX is a picture of my current credit report it a screen shot of my current credit report with false information as well which would totally show that CCS Collections the Debt collector is reporting an open balance of {$780.00} on my credit report I have been denied several loan and credit card opportunities which not only caused me to be homeless i also racked up a ton of inquires due to this collection being a huge eye sore to myself and banks/lenders i do not know what is CCS Collections issue with me i paid them nearly 10-months ago and I have to go through this depressing matter that I clearly, cleared up on my end

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I have attached proof that XXXX has admitted that I was a victim of this breach and that XXXX has done nothing. Please help me have the items from XXXX, XXXX and TransUnion removed 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 explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I have attached proof that Equifax has admitted that I was a victim of this breach and that Equifax has done nothing. Please help me have the items from Equifax, XXXX and XXXX removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Greetings, My complaint begins with a repeat offender of common finance laws, Fay Servicing who will be further in described as the Servicer. For 11 months the Servicer has been drafting my account for lender-placed insurance unnecessarily. This had gotten my attention in XX/XX/2023 when a call was made to the Servicer when it was discovered that there was lender-placed insurance being charged to the account. At that time the Servicer was asked to remove said insurance because there was insurance in place already. At that point it was confirmed by my insurance company that the Servicer was provided proof of my insurance and how commonplace it is to do so. An internal task by the Servicer could have been initiated at that point to verify but was not. Since then, a copy of the insurance declaration was sent by mail with payments in XXXX, XXXX, & XXXX of 2023. The payments were processed while the proof of insurance was ignored all three times. The drafting of my account for lender-placed insurance continued. While escrow only required {$500.00} charges of XXXX continued with a difference of {$710.00} being drafted for lender-placed insurance. This amount has been assessed and collected for 11 months totaling {$7900.00}. Everything humanly possible has been done to inform the Servicer of my insurance and has become materially abusive. Given many opportunities the Servicer has done nothing. I am requesting that this issue be resolved immediately without delay and the money returned. A court summons will be issued for XXXX Fay who is the beneficiary of said errors. Let this complaint be notice of what is to come. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Name : XXXX XXXXXXXX XXXX  Account XXXX This account is an identity theft and was opened without my authorization. 

Please deleted this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
Section 1681i Obligations of credit reporting agencies : Dispute Investigation : When a consumer disputes the accuracy of the information contained in his or her credit report, this section establishes the credit reporting agencies ' obligation to conduct a full and fair investigation or reinvestigation. 

Notification or removal of incorrect information : If during the investigation it is found that the information is inaccurate or can not be verified, the agency must correct or remove the incorrect information in the 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 explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX This account is an identity theft and was opened without my authorization. 

Please deleted this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Section 1681i Obligations of credit reporting agencies : Dispute Investigation : When a consumer disputes the accuracy of the information contained in his or her credit report, this section establishes the credit reporting agencies ' obligation to conduct a full and fair investigation or reinvestigation. 

Notification or removal of incorrect information : If during the investigation it is found that the information is inaccurate or can not be verified, the agency must correct or remove the incorrect information in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This company keeps calling me for someone else. Ive called them once and told them the name they gave me wasnt me and then got another call from them not even an hour later after I told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit card was used for 4 purchases of XXXX each that I didnt authorize. I have contacted my bank multiple times but they have denied the fraud claims. My did lose my wallet briefly at the gym but it was returned to the front desk so I didnt think much of 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 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Comerica
State: CA

Complaint narrative:
My account at Comerica Bank was Fraugently Used without my Knowledge To deposit and withdraw amounts of money over a four to five Day span. I was never once notify by the bank of any transaction in or out of my account. I have never made withdrawals or deposits by My mobile app every since I had this account. 
The only way I found out about the money is the day that I was expecting of deposit from the loan company Which I found out was not a legit company. I want straight to the bank and told them to close the account. But they said they couldn't until the balance was pay in full. 
I asked them. How can this many transaction be made in and out of my account? And they do not notify me. 
I want straight to the police department and made a report. 
I was told by a XXXX who wife does investigation for banks that I should get in touch with someone because my e. Rights was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

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 2023-12-07 00:00:00
Product: Credit reporting 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 am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXXXXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX. This account is inaccurate, please delete this information. 
XXXX XXXX  XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the each of the accounts directly violated my FEDERALLY PROTECTED CONSTITUTIONAL RIGHTS to privacy & confidentiality under : - US CODE 15 USC 16.81Sec . 602A. ( states the CONSUMER has the RIGHT to PRIVACY ) - US CODE 15 USC 16.81Sec . 604A. ( states the REPORTING AGENCY MUST OBTAIN the CONSUMERS PERMISSION ) - US CODE 15 USC 16.81C-A Sec.5 ( SHALL NOT release ANY adverse INFORMATION, OTHER THAN records from convictions of crimes which ante date the said report by more than 7 years. ) - US CODE 15 USC 16.81S-2 ( A ) ( 1 ) ( states the said REPORTING AGENCY SHALL NOT share information with the idea some info is or could potentially be inaccurately displaying 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 non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I found inquiries that dont belong 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 explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nagle & Zaller, PC
State: MD

Complaint narrative:
My Homeowner 's Association ( HOA ) has changed management companies several times since I moved into my community. Presently, statements are not being mailed to residents. I set up an online account to make payments. Unfortunately, I misplaced that information. I made attempts to contact the HOA to obtain information about how to continue making payments and have been unsuccessful in receiving the information. I asked a neighbor for the website and was able to login. Instead of being able to make a payment, I was prompted with information that notified me that my account had been sent to collections. 

I received a notification from the law firm, Nagle and Zaller, P.C., that my account is in collections. I am being charged the following exorbitant fees. ( NOTE : I have not received a response from the law firm, and I am unable to pay the HOA fees online. 

{$300.00} - HOA fees {$45.00} - Late fees {$2.00} - Interest {$12.00} - Other costs {$300.00} - Legal fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was overdrafted XXXX $ against fifth third terms and regulations for their standard overdraft you can not opt out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Disputed this account several times, also sent in a police report, identity theft report and letters from the creditor stated this account was a result of fraud. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which was sold to XXXX XXXX XXXX which was deleted XX/XX/2023 they sold this debt but still the account XXXX XXXX  XXXX is still reporting. 

Please see attached letters from creditors. 

Thank u

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Disputed this account several times, also sent in a police report, identity theft report and letters from the creditor stated this account was a result of fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was sold to XXXX XXXX XXXX which was deleted XX/XX/2023 they sold this debt but still the account XXXX XXXX XXXXXXXX is still reporting. 

Please see attached letters from creditors. 

Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the each of the accounts directly violated my FEDERALLY PROTECTED CONSTITUTIONAL RIGHTS to privacy & confidentiality under : - US CODE 15 USC 16.81Sec . 602A. ( states the CONSUMER has the RIGHT to PRIVACY ) - US CODE 15 USC 16.81Sec . 604A. ( states the REPORTING AGENCY MUST OBTAIN the CONSUMERS PERMISSION ) - US CODE 15 USC 16.81C-A Sec.5 ( SHALL NOT release ANY adverse INFORMATION, OTHER THAN records from convictions of crimes which ante date the said report by more than 7 years. ) - US CODE 15 USC 16.81S-2 ( A ) ( 1 ) ( states the said REPORTING AGENCY SHALL NOT share information with the idea some info is or could potentially be inaccurately displaying information... )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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