vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 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: FL

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX - XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-21 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: FL

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXXXXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00}, XXXX XXXX - XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$5100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
I tried three times to fix this with this company. I had tried to dispute Trident asset management even through the credit bureaus. It comes back every single time as verified. I never received any information on how this could be verified as I have never had an account with XXXX XXXX XXXX. I asked if they could please send me a signed application which showed that this was taken out. I never get anything. This has been on my credit report since 2019 and its not fair that they dont verify and can still keep the on my credit report. If they are collecting for XXXX XXXX, they should have information. I was a victim of identity theft in 2019 and it may stem from this while I rented my home out. They were notified of this also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I requested a wire transfer from Discover Bank to XXXX XXXX XXXXXXXX on XX/XX/XXXX for {$2600.00}. Transfer was the earnest money being sent to Title company for my first home purchase. 

I was contacted by Discover Bank on XX/XX/XXXX, to confirm my details like Name and DOB. Funds were withdrawn from my account on the same day. 

XX/XX/XXXX, I contact Title Company and tell them check their account for the money. They can not find the transfer. 
I contact Discover Bank, they tell me to wait XXXX XXXX business days for transfer to complete. 
Title Company recommends I contact Discover to verify transfer details are correct. 

XX/XX/XXXX, I contact Discover Bank Wire Transfer Department, reconfirm account number and Routing numbers and other details are correct. 
Considering they may have provided the wrong information, I also confirm transfer details with Title Company Receiving funds. 

XX/XX/XXXX, I contact Discover again and they claim transaction is complete giving me a " Fedwire number '', I provide this number to the Title Company. They feed this information to XXXX XXXX XXXX wire transfer. They tell them that the number provided is not a XXXX number. 


XXXX XXXX I wait for transaction to settle. 

XX/XX/XXXX XXXXitle Company calls me, let me know that the deal will fall through if I don't send the money by Friday. Seller was ready to back out. 
I call Discover Bank ask about the wire transfer. They say the funds are at the Fed. 
That they have done all they can, and they can't help me anymore. 


XX/XX/XXXX I initiate another wire transfer for the same amount {$2600.00}, from another personal account in Discover Bank. 
Title company contacts me to let me know they have received the money. Saving the deal. 

I contact Discover Bank, to initiate a recall on the first wire transfer. 
I don't receive an email or confirmation about it. 


XX/XX/XXXX XXXX contact Discover Bank as to the status of the wire transfer recall. 
They say that maybe the transfer is " stuck '' at XXXX XXXX XXXXXXXX wire department. 
They suggest I contact XXXX XXXX XXXXXXXX. I feed this information back to the Title Company. 

XX/XX/XXXX Still no solution...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I filed my dispute by phone on XX/XX/XXXX and then I received a form from bank that I completed, signed and then faxed back on XX/XX/XXXX. On XX/XX/XXXX, I called to find out status and if investigation wasnt completed ask why I hadnt received provisional credit as per stated on monthly statement under For question regarding account history, notice of errors, or preauthorized transfers it clearly says We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is an error, so that you will have the use of the money during the time it take us to complete our investigation. Its been >10 business days counting from date I faxed back their form. When I asked customer service rep why I hadnt received provisional credit she said not all account qualify for provisional credit and I stated # XXXX It does not say anywhere on their monthly statement or under their terms and conditions that not all accounts qualify for provisional credit and # XXXX per EFTA federal law under Reg E due to disputing an debit card transaction error I am entitled to provisional credit. 
But they didnt care.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX - XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), CXXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$5100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a lifetime Citi customer and recently had {$32000.00} stolen from my account via an unauthorized wire transfer. 

In the span of XXXX minutes on XX/XX/2022, I received three emails : - The first letting me know that a new payee had been added to the account - The second IDENTIFIED an attempt at a potential fraudulent transaction - Before I even had the opportunity to see the email on my phone, the wire transfer was sent and all of the money in my Checking Account was stolen without giving me the opportunity to identify whether or not it was a fraudulent transaction. 

In the immediate aftermath, I followed every instruction I was given by Citi. I called customer service, opened a fraud case, went to a local branch, and filed an affidavit. 

I was told there would be an update in 2 business days and that the case would be resolved in XXXX days. In 2 business days, I was told to call back in 4 business days. In 4 business days, I was then told the case would be resolved in XXXX days. The next representative I spoke with told me the timeline was XXXX days. 

After a Citi rep told me that I was eligible to file for a provisional credit, I called the department only to discover that another rep told me that wire fraud cases weren't eligible for provisional credit. 

I am extremely worried that Citi will not reimburse me for the theft, increasingly so after doing research and seeing the feedback from Citi customers who have gone through a similar experience.

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 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I tried three times to fix this with this company. I had tried to dispute XXXXXXXX XXXX XXXX even through the credit bureaus. It comes back every single time as verified. I never received any information on how this could be verified as I have never had an account with indigo Credit card. I asked if they could please send me a signed application which showed that this was taken out. I never get anything. This has been on my credit report since 2019 and its not fair that they dont verify and can still keep the on my credit report. If they are collecting for Indigo MasterCard, they should have information. I was a victim of identity theft in 2019 and it may stem from this while I rented my home out. They were notified of this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
There was a discrepancy on my credit file for a debt balance that was already resolved. I've made several attempts to rectify this with the company through credit disputes but they still have not rectified the situation and continue to claim that I owe {$120.00} as of XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have turned this debt over to XXXX XXXX to work out a settlement to work with Regional Finance to settle this debt and they refuse to work with me to settle. They call me all day over XXXX to XXXX times a day. They sent me a letter to seize my personal property. I again referred them to XXXX XXXX to work with them and they refuse. They call my employer and do not want to work on a compromise. I already informed them I am trying to work on a settlement they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: FL

Complaint narrative:
Trans Union Reported Accounts and other Items on my credit report without my written permission.

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 2022-05-21 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:
Account is as follow ; XXXX XXXX  Account number XXXX Charge off Canceled debt income '' often referred to as canceled or forgiven debt is something anyone who has debts unpaid, but not gifted, should be concerned with. The IRS considers this income. Income Is not apart of the consumer report. 
In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights 1. 15 USC 1681 section 602 A states I have the right to privacy. ( a ) IN GENERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an NO OTHER : ( 2 ) in accordance with the writing instructions of the consumer to whom it relates. Did I give you written instruction to furnish this account on my credit report?

2. 15 USC 1681 602 A It also states a consumer reporting agency can not furnish a account with out my written instructions.

3. 15 USC 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. 
I also notice upon reviewing XXXX XXXX accounts are removed from my consumer report but are still showing on my consumer report as well.

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 2022-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX DATE ASSIGNED XXXX XXXXXXXX, XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX  DATE ASSIGNED : XXXX, 2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX  DATE ASSIGNED : XXXX, 2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I re-financed my home through a new lender. I made a payment on XX/XX/2022. a few days later my mortgage was paid off by the lender, This created an overpayment of {$800.00}. Now over a month later I received my overage back but Mr. Cooper/Nationstar Mortgage LLC . shorted me by {$130.00}. I want all of my money back from the overage, interest and penalties assessed to Mr. Cooper like they would have done to me. Further, they should be investigated for fraud and predatory practices. I have documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 this company opened this collection. 


I have never signed any written consent to the collector that I owe this debt. 
This is violating my rights of the FCRA as a consumer. 
I am not aware of such debt that this collector is trying to collect or have received any information verifying ownership of this account. 

Please have this removed on all three major credit bureaus. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: LA

Complaint narrative:
FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$210.00} Status Collection account. {$210.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$870.00} Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$420.00} XXXX XXXX account. {$420.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$590.00} Status Collection account. {$590.00} past due as of XX/XX/XXXX. 

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX Resident type XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX XXXX type Rural route

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