vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CT

Complaint narrative:
I rarely use this account and it seems that due to that fact, Key Bank feels that they can charge and continue to charge my account for overdraft fees. I was charged an overdraft fee due to the fact that I made a direct withdrawal for my credit card payment, but because the account went into a negative balance because of how Key Bank rearranged my account transactions, I incurred a {$33.00} overdraft item charge. I was informed by their supervisor on XX/XX/22 that this would be the only way that I would incur overdraft charges. This being due to my not opting into overdraft protection since the account was opened. However, upon checking my account just the next day Key Bank did the same thing again. Yet, this time they rearranged the posting transactions in my account so that I would be charged XXXX overdraft fees, one of which they refunded as they knew it was their error because I wasn't opted into overdraft protection and therefore should have never been charged these fees in the first place. So, I have now incurred {$77.00} in overdraft fees that should have never been charged to my account due to my opting out of overdraft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
This company called me in XXXX of XXXX and claimed that I have a debt for about {$1800.00} for tuition charges from a school I attended years ago ( prior to being married ). I was unaware of the charges and why I was being charged this amount from them and asked if there was a breakdown that I could be sent. The only & last phone call I received regarding this was in XX/XX/XXXX. I did not receive anything from them since. 

Today ( XX/XX/XXXX ) my husband received a phone call regarding the account charges and he was called 23 times BACK TO BACK. Our phone automatically blocked the call as a scam likely but they did notify us that they attempted to call with the time and phone number. My husband called the number and were told that they did not contact him but we have proof that they did. The employee continued to deny the phone calls until my husband ( who is a XXXX XXXXXXXX ) told them he would be filing a harassment report against the company. The employee than admitted to contacting him regarding my own personal account and continued to disclose my own personal information and why they were calling ( without my permission ). 

My husband was not on any of my contact numbers for school back than because I did not know him at the time. we have no idea how they would have gotten his phone number. I know it is illegal for them to disclose any of my personal information to anyone besides me if I don't allow it as well. We would like the company reported for harassment and for disclosing my information without my consent to an uninvolved party. I have attached screen shots of the calls to prove this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
TRANS UNION did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). TRANS UNION is in violation of my Federal rights because I have alerted and made TRANS UNION aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between TRANS UNION and DEPT.OF EDUCATION/XXXX. Look at these inaccuracies : 1. DEPT OF EDXXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF ED/XXXXXXXX XXXX  {$1900.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF EDXXXX **** {$3700.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF ED/XXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION  {$5800.00} The inaccuracies of reporting by Transunion are above, how did TRANS UNION verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

TRANS UNION did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). 

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.

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 2022-02-16 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: PA

Complaint narrative:
XXXX XXXX XXXX received my XX/XX/2021 auto loan payment on XXXX XXXX, 2021 ( due date XXXX XXXX, 2021 ). However, XXXX misapplied my payment to the wrong account of a related family member. I received a collection call from XXXX when the account went 30 days past due. I requested XXXX to correct the misapplied payment, which they did. However, they did not reflect the true payment date of XXXX XXXX. 
My credit history on XXXX and TransUnion reflects a 30-day delinquency, which has significantly impacted my credit score unfairly as the payment was received before it was due, which tells me that XXXX has not correctly reported my account history to the credit bureau agencies XXXX 
I have attached a screen shot of my payment history from my XXXX XXXX XXXX account.

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 2022-02-16 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: TX

Complaint narrative:
I have new information regarding CFPB complaint # - XXXX, XXXX, XXXX, XXXX, and XXXX. I received a letter today from XXXX XXXX that is reporting negatively on my consumer report. According to this letter the company sent Equifax a letter on XXXX letting them know that I have handled this account and asked them to remove it. Equifax still have this company reporting negatively on my consumer report willingly and knowingly. Equifax is in violation of 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Source Receivables Management {$830.00} Last date was XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and 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 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have reach out to BridgeCrest and requesting information in which I have yet receive a response. BridgeCrest is in violation of my rights as a federally protected consumer.

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 2022-02-16 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:
It's inexcusable that these accounts haven't been rectified or updated, and I'm becoming increasingly frustrated. If the information is not promptly examined and corrected, and you continue to break the law under the Fair Credit Reporting Act, I reserve the right to initiate a lawsuit against your firm or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I did a online auto loan with Nevada State Bank and got a check in the amount of {$22000.00} Then on XX/XX/2022 I got charged {$22000.00} from my home equity line of credit from Nevada State Bank. So now I owe {$22000.00} for a car loan and an additional {$22000.00} on my home equity line of credit. I called bank and they basically can't figure it out. They keep stating that they do not have access to see who authorized the {$22000.00}

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 explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Hello, I discovered on my credit report that a collection debt was listed under CREDIT COLLECTION SERVICE ( CCS XXXX XXXX XXXX XXXX, XXXX, MA XXXX ) for the amount {$300.00}. I never received written or electronic debt notice informing me of the debt and why I now have this debt. I only discovered the collection account once I viewed my credit report. I was never told by CCS that I have 30 days to dispute the debt. Once the debt was discovered, I informed CCS that the debt did not belong to me and disputed the account on XX/XX/XXXX. I was told once the debt was paid it would be removed from reporting. During that time, I requested validation of the debt and still have not received that validation as of XX/XX/XXXX. 

I kindly request that the debt and collection account be permanently removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel XXXX  accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
It's inexcusable that these accounts haven't been rectified or updated, and I'm becoming increasingly frustrated. If the information is not promptly examined and corrected, and you continue to break the law under the Fair Credit Reporting Act, I reserve the right to initiate a lawsuit against your firm or any company you represent.

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 2022-02-16 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 requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: TN

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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 2022-02-16 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX CONSERVE ( Original Creditor : XXXX COMM COLL OF 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 2022-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Reese Law Group
State: CA

Complaint narrative:
I was attempting to refinance my home and found out I have a lien on my property for over {$29000.00}. 
I reached out to the debt collector/ Reese Law Group ( XXXX XXXX ) to obtain the documentation on this judgment and information on the debt and all XXXX XXXX did was try to provide with the file number and said he did not have to provide me with that documentation that discloses what the debt is for, he didn't even know my name,, he provided me with my maiden name that I haven't used for over 12yrs, this clearly shows he's trying to collect on something that is over 12yrs old. XXXX was trying to workout payment arrangement but I told him that the information is incorrect, and that I'm not paying on something that is not right. He mentioned that it was regarding a XXXX XXXX XXXX Account, I told him I do not owe XXXX XXXX XXXX XXXX, and that I want all the documentation so I can review. I also mentioned to XXXX that I did not receive anything from them or any court notification, I would think they would certify something like this but of course that wouldn't be convenient for the debt collector. They took advantage that I didn't show up to court and just slapped a lien/judgement without allowing me to defend myself in court and to top it off in a county that I don't live in. I also asked if he can send me documents via email and he said that they don't do that, he said he can mail me the judgement. I then told him he can go ahead and Mail it, but then he asked for my address, I don't understand why he doesn't have this info since he had previously mentioned that he sent me mail on court order which I never received. All I want is for them provide me with all supporting documents regarding this debt and lien so I can have the opportunity to go to court and get this removed.

Company response to consumer: Closed with explanation