vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 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: PA

Complaint narrative:
There continues to be a collection reporting on my consumer credit report from Contract Callers in the amount of {$2000.00}. 

I have disputed this in the past on two occasions and it was removed due to the company and the credit reporting agency unable to provide me with validation regarding this debt. This is not my debt. 

Recently it was once again placed on my consumer credit report using a different open date of XX/XX/2022. I again disputed it and am still unable to get anyone to send me any type of proof or validation concerning this debt. 

My consumer rights are being violated, and no one is taking responsibility for the seriousness of this situation. Therefore, I am making a former complaint to resolve this case once and for all.

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 2023-02-04 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: CONTRACT CALLERS INC
State: PA

Complaint narrative:
There continues to be a collection reporting on my consumer credit report from Contract Callers in the amount of {$2000.00}.

I have disputed this in the past on two occasions and it was removed due to the company and the credit reporting agency unable to provide me with validation regarding this debt. This is not my debt.

Recently it was once again placed on my consumer credit report using a different open date of XX/XX/2022. I again disputed it and am still unable to get anyone to send me any type of proof or validation concerning this debt. 

My consumer rights are being violated, and no one is taking responsibility for the seriousness of this situation. Therefore, I am making a former complaint to resolve this case once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: LA

Complaint narrative:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.

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 2023-02-04 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX partial acct # XXXX, XXXX XXXX XXXX partial acct # XXXX, XXXX XXXX XXXX partial 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 explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute multiple errors on my credit report. Specifically, I have multiple charge-off accounts that are inaccurately reported as not being disputed and under review at the time of my last complaint also I have multiple accounts with inaccurate dates and accounts being reported open when in fact they are closed. I have been a responsible borrower for many years and I was shocked to see this negative mark on my credit report. Upon further investigation, I found that the charge-off accounts were in fact being disputed and under review at the time of my last complaints as per CFPB Complaint ID # XXXX, XXXX, XXXX also with inaccurate dates and inaccurate account status. This means that the information in my credit report is incorrect and is damaging my credit standing. I request that you immediately delete the charge-off accounts from my credit report. I have attached all relevant documentation to support my claim. I appreciate your prompt attention to this matter and I look forward to hearing back from you soon. Thank you for your time and consideration. 
XXXX XXXX XXXX # XXXX reporting open but in collections XXXX XXXX # XXXX XXXX did not report as being disputed XXXX XXXX  # XXXX date last reported is in XXXX when disputed in XXXX XXXXXXXX XXXX XXXXXXXX # XXXX is wrong account number and date last active is earlier then date last reported, reporting open when it says in collections XXXX # XXXX reporting on two different credit reports with two different account numbers, reporting open but its closed XXXXXXXX XXXX XXXX  XXXX reports as open but is closed and two different dates as last active XXXXXXXX XXXX XXXX # XXXX XXXX reporting as open but its in collections XXXX XXXX # XXXX already on credit report as XXXX XXXX Reporting as open but its closed, its on my report twice

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 2023-02-04 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: LA

Complaint narrative:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.

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 2023-02-04 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: NY

Complaint narrative:
Credit reporting agencies provided my information without my consent. 
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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section it states a consumer reporting agency can not furnish a account without my written direction or instruction.

15 U.S.C 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 2023-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bought my mortgage in XXXX  and immediately sent me my new payments that were doubled the original. I complained to them and sought help but found no one to help. I was desperate and tried to sell but could not. I knew I was going to loose the house but ended up loosing my house to a scammer that promised to take care of the problem but never did. I was scammed and Wells Fargo seemed to cooperate with the scam and shunned me. 

House was in my name until about 4 years ago when I finally found a lawyer to get it out of my name. The only reason why the lawyer could solve the problem was because after all that time, Wells Fargo started refusing to accept payments from the scammers even though they knew for years it was owned by a house buying scam. Why not, easy pickings for a free resale and all they had to do was foreclose on the people in the house who were put there by the 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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
Hello, I have been trying to get an inaccurate, misleading statement off of my credit report but am having problems finding correct information for the creditor, WAKEFIELD & ASSOCIATES. This was the second letter I sent them, the first was over 30 days ago, still with no response. Not only is XXXX reporting inaccurate and misleading information, but XXXX is also reporting inaccurate and misleading information about this creditors address compared to that which is found on the creditors XXXX XXXX XXXX profile. I have sent requests to WAKEFIELD & ASSOCIATES several weeks ago, but due to the credit bureaus reporting inaccurate and misleading information, I am unsure of the true address. This is complicating and is negatively affecting my life and the life of my family who need me. The attached documents are the receipts of the certified mail I sent in attempt to reach WAKEFIELD & ASSOCIATES. This was the second letter I sent them, the first was over 30 days ago, still with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm dispute resolution shut down my dispute without understanding my Entire issue and has given me no way to add more/create another dispute on loan. 

I ordered a {$5000.00} product over thirty days ago. The company I ordered from wont cancel it. The product was not shipped or received by me yet they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: LA

Complaint narrative:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Please.Read the attached. This is a letter that explains everything it was sent to XXXX XXXX and COLUMBIA DEBT RECOVERY. During this dispute over {$1000.00} has been eliminated due to being unproven. 
A payment was made to XXXX XXXX  in XX/XX/XXXX about XXXXdays after i moved out XX/XX/XXXX. The apartments are saying they didnt get the payment but i showed proof. The collections agency and the apartments both refuse to accept my proof of payment even though it shows the amount paid {$1900.00}, date XX/XX/XXXX, who it was sent to XXXX  Receiver Code XXXX, how much was old after payment was made {$0.00}, it even shows my name XXXX. The apartments requested I go back to XXXX and request another receipt from XX/XX/XXXX. They say it's unclear which is false, they are striving to not continue to fix their inaccurate information and take money from me. I went to XXXX with the information you all provided me, the cashier put in XXXX 's reviever code, located the company account and I paid CASH to them and got the attached receipt. I am not responsible for the account/relationship between XXXX and XXXX XXXX. 
I asked the collections company to NOT put debt on my credit while in dispute as of XX/XX/XXXX they did anyway. XXXX told me they wouldn't send the acct to collections and the collections agency told me they wouldn't report it, once we resolved the dispute I could set up a payment plan which will keep it from my credit. Both Lied!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX  / pyod llc. Court date XX/XX/2023 .Company took to me to court to sue for a debt from XXXX  XXXX. Which appears XXXX times in different amounts on my credit report. I asked them to provide proof of my account which they coils not do. The case had to be continued. They could not provide me with my signature or social security number for this account. I have XXXX and take XXXX daily. I showed up at court and the could not show me proof of an account i have no knowledge of. I would like this to be removed from my credit report i am not physical able to keep going to court and they cant even show proof. They call and harrass me email all the time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2023, a friend transferred {$170.00} to me in a Venmon mobile payment service. I had an issue transferring the money in my own personal bank account so my daughter decided to transfer the money and it was accepted. I called Venmon to verify the transfer the following day and the bank account as required. In addition, on Saturday, XX/XX/2023, I called the representative and ask if there will be an issue with transferring the funds to my daughter 's account because it is not in my name due to having problems making a transfer in my own account, she said it would not be a problem as long as my daughter verified the account. The same day my daughter verified that the account along with the bank is in her name. On XX/XX/ 2023, I received an email stating that the funds were not accepted from the bank, therefore, Venmon has frozen my account and asked me to send a photo of my identity and I did so. I was told I had to wait 5-7 days to get my account unfrozen then XX/XX/2023, I received a second email requesting additional documentation of my identification and bank statement, although the document is not in my name as I explained to venmon I sent it any way they stated it not efficient enough. I need assistance at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was approved for a Capital One secured card on XX/XX/XXXX. I paid {$850.00} for the card, which cleared my account on XX/XX/XXXX. I received an email saying that my card had shipped on XX/XX/XXXX. I dont get mail to my physical address, but when I made my account to order the card, they would not accept my XXXX XXXX XXXX I never received the card. I called on XX/XX/XXXX to order a replacement card to my XXXX XXXX XXXX I used my work phone number to create my account, and the representative told me they could not call that number for two-factor authentication so I would need to upload my drivers license to a site to verify. I uploaded pictures of the front and back of my drivers license and they told me it would take up to XXXX business days. I never heard back from them. I called again on XX/XX/XXXX and they said the picture of my license did not meet their quality standards and I would have to upload it again. I uploaded scanned pictures of my license while on the phone with the representative. I never heard back. On XX/XX/XXXX I went to a Capital One Cafe in XXXX XXXX XXXXXXXX and spoke with a representative, and she took pictures of my drivers license in person and we spoke with a representative who had me upload it again and said I still needed further documentation. I still have not heard anything about what documentation, and I have not received my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  credit account XXXX with PROFESSIONAL DEBT ME has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states that a consumer reporting agency can not furnish my account without 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 2023-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We were done paying XX/XX/2022 Was told had pay XXXX XXXX  and then this week Change the total too XXXXyesterday then today Total was XXXX We pay XXXX every month but because we get pay after due date we paid all Late fees XXXX to XXXX and pay online Was told during XXXX  when we got behind they will not charge late fee for 3 months and they Add it to the end. 
We paid today final payment XXXX Should have been comple on 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 2023-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
From XXXX XXXX Wells Fargo changed my XXXX  processing company ( the company that I made my payments to ) without my consent.

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 2023-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: NC

Complaint narrative:
I received the attached letter from First Federal Credit Control XXXX XXXX dated XX/XX/2023. I already advised them over a month ago this balance was paid. However, they are attempting to collect a non-existent debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a paralegal and have worked many years previously in debt collection. I want in writing that this was a mistake sending this letter so that I have this for my records. It is not legal to threaten to furnish a non-existent debt to the consumer reporting agencies. Also, just for this company 's information, when they say " THIS DEBT WILL BE REPORTED TO THE NATIONAL CREDIT BUREAU, '' that is also inaccurate and they should look at updating their letter. They do not " report '' they " furnish '' information to the consumer reporting agencies. I've attached the debt collection letter, as well as the receipt showing this was already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Synovus Bank
State: SC

Complaint narrative:
On XXXX XXXX, 2023 at around XXXX EST I sent a wire for {$610.00} at my Synovous Branch in XXXX XXXX SC XXXX Branch # XXXX and User ID # XXXX ). The wire was being sent to XXXX XXXX XXXX in XXXX, GA. 

When filling out the wire order, the bank employee put the information for the receiving bank branch in the section for the " XXXX '' and omitted the details of the actually beneficiary other than the routing and account numbers. 

Due to this error, XXXX XXXX XXXX returned the wire and no information was included about the account holder 's name or contact information. This information was provided in writing to the bank employee. Furthermore, both Synovous and XXXX XXXX XXXX charged fees so that I lost {$81.00} and the wire was not sent. This error also caused me to incur a {$100.00} late fee for the payment I was making with this wire. 

XXXX XXXX XXXX only returned {$570.00} of the {$61000.00} amount, so in my opinion, both banks have acted inappropriately.

Company response to consumer: Closed with explanation