vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: AZ

Complaint narrative:
Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity Theft. 
I demand you remove the following address and names : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The following accounts I demand to have removed XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX/ XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX Inquiries : 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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reali, Inc.
State: CA

Complaint narrative:
XX/XX/22 - Initiated contact with Reali.com. Filled out an application. 

XX/XX/22 - Locked in rate lock at 2.75 % by agreeing to 1.79 % points. Provided all documentation, including income and assets. Credit is excellent. LTV is approximately 60 %. 

XX/XX/22 - ( email ) Reali asked about COVID forbearance provided by XXXX XXXX. Provided applicable documentation. 

XX/XX/22 - ( email ) Reali updated saying they're still working through the forbearance. I questioned why there would be an issue as I've paid 4-5 months of payments since coming off forbearance and my expectation is lots of people are dealing with refinances post-COVID forbearances. 

XX/XX/22 - ( email ) Ask for update. Response a few days later with no new information. 

XX/XX/22 - ( email ) Ask for another update, express concern on how long it's taking. No response. 

XX/XX/22 - ( SMS ) Ask for an update. Get a response that they'll have an update in the afternoon. No update in the afternoon so contact them again via SMS, again expressing concerns on duration. No response. 

XX/XX/22 ( SMS ) Contact again for an update. 

XX/XX/22 ( SMS ) Response that " investor has come back and will do loan at XXXX % ''. Some back and forth as I was confused since I was locked in with a 2.75 % rate. No reasoning until I mention that it seems like Reali may be misleading customers/falsely advertising rates. At that point I'm told that I didn't qualify for underwriting guidelines. I expressed that I have not received notice of decline/non-qualification. 

XX/XX/22 ( Email ) Copied screenshots of text messages back to original email thread ( to consolidate communications ) and asked for an update. 

XX/XX/22 ( Email ) Received response. Told that second investor has declined and my file has been closed. 

XX/XX/22 ( Today ) According to my account on Reali, the process is still ongoing. I have not received any official notice of decline. According to XXXX, their document processing partner, my loan is still in open escrow and is currently in " Closing Prep ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I checked my credit reports and saw that ARS was reporting an alleged debt on my report. On XX/XX/2022, I mailed them a Certified letter to the company, however, they completely ignored my request for them to validate this alleged debt that they are reporting on my credit report. They never mailed me a dunning letter, ignored my request to legally validate this alleged debt, and continue to mess up my good name.

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 2022-02-28 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: AZ

Complaint narrative:
Please c

arefully read the following. Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is
the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 
I demand you remove the following address and names : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX XXXX. / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I already reached out to the TRANSUNION and to the following accounts [ XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX Balance {$6200.00} ; XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$300.00} ; XXXX XXXX XXXX XXXX  XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$990.00} ; XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$230.00} ] and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus may claim as " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first-hand documentation of the payment history, and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

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 2022-02-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MI

Complaint narrative:
XX/XX/2022, I contacted Way2Go about a transaction made on my child support card in the amount of {$64.00} and {$46.00} from XXXX, transaction # XXXX. Called Way2Go on XX/XX/2022, asking that these transactions be revered because I did not authorize these transactions. I received a reversal credit in the amount of {$110.00} on XX/XX/2022, but this was reversed back on XX/XX/2022. On, XX/XX/2022, I received via Postal Mail forms from the Go Program 's Fraud Services Department. Called Way2Go fraud department to get fax number to send fraud forms. The fax number that I was given was ( XXXX ), I faxed filled out forms to this fax number at XXXX pm EST. I called Way2Go on XX/XX/2022, to get feedback about my claim. My response was that they had nothing to report. Then, I called XXXX directly to ask for a refund. The refund was granted on this day and I was told to wait for 10 days to process the refund back to my XXXX via Way2Go. Friday, XX/XX/2022, I called XXXX and found out the funds were accepted by my credit card provider in the amount of {$110.00} XXXX # XXXX on Wednesday, XX/XX/2022. Attached will be photos of the current balance from the Way2Go App of my MI-Child Support account, along with a letter I received today, Monday, XX/XX/2022, stating a provisional credit in the amount of {$110.00} was issued on XX/XX/2022, which is a false statement. Made numerous calls to Way2Go 's Go Program customer service and fraud department to cancel their investigation and I took care of my concerns with XXXX directly and that their service was not needed any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MS

Complaint narrative:
This is a continuous problem with U. S. Bank. XXXX XXXX XXXX  handled all of our C D ' and upon maturity, a check was always forwarded to us right away. Since U.S. Bank bought out XXXX XXXX XXXX, we have had nothing but trouble in getting our matured C D money. 

On XX/XX/2022, one of our C D 's matured and I called U.S. Bank and talked to XXXX, alias XXXX, to have our money mailed to us. XXXX said it would be 10 days before we would receive it, but as of today XX/XX/XXXX, we still have not received our money. I called on the XXXX of XXXX and spoke with XXXX XXXX to check on our funds and she said the bank had made a mistake, but she said we should receive the funds soon. I called XXXX and XXXX in personnel for them to check on our proceeds and nothing has been received. Communicated to the bank on their email to no avail in receiving our money. This is a float on our money and these mistakes by the bank should be punishable, please accept this as a Formal Complaint.

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 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Re : XXXX Venmo provides a toll free number but the call tree will not connect to any human. Emailing support generates a request to call the dead end toll free number or chat which can not work when the account is frozen. Attempts to contact support via XXXX and XXXX have been fruitless for over 24 hours. I need direct communication with Venmo support to address the issues with this account. Toll free and chat do not work at all. XXXX and XXXX support feeds for Venmo are likewise useless and unresponsive. Venmo has my phone number and I have request live phone support given they have crippled all other means of communication if information transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-02-28 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: AZ

Complaint narrative:
Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, l
abor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft.

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX XXXX. / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX : # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # # # # # XXXX XXXX XXXX  XXXX Account Number : # # # # # 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 non-monetary relief
Consumer complaint received 2022-02-28 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX ha

s violat ed 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 acco unt without my wr
itten instructions.

Company response to consumer: Closed with explanation