vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: KEYCORP
State: WA

Complaint narrative:
I open a checking account on XXXX XXXX. I transferred money from my line of the credit to my new checking account. The first day even I transferred fund from loan to checking still put my fund depended. I tried arrange a XXXX transfer for {$1800.00} but it didn't go through. Someone in the call center told me KeyBank has limit and it is {$500.00} per day which it was very supervised me. I tried for {$500.00} but still gave me hard time and it showed a black page which said unable to process transaction. I called couple times & online customer service told me it is automatically blocked by our system and we are asking for assistant. I spoke with their supervisor and she said their system is blocked and none can do anything & just wait for 48 hrs. Again this morning, I tried and it was blocked. I called to the branch but they told me call to the online banking as we can not do anything. Again I called to online banking and a guy in online banking said still is block. I told him it passed 48 hrs, funds is available and even your bank start charging me with interest but I can not move my money. I am a former employee and I am not spam or anything else that keybank hold this account. He said I can just set up again for you and it take another 48 hrs that our system release the block. I asked talk with his supervisor but after a while he came back and he said supervisor are not available right now. Again they brought excused about XXXX but As we all know financial insinuate are ordering to their system Not XXXX. XXXX said we are middle man and we just transfer money from your account ( when your financial institute make available ) to other party and we don't do anything else. I called to the XXXX and they said " please just call to your bank ''. I tried it again tonight and still give me hard time. Key bank system has very bad reputation for years & none fix this issue in this bank.

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: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear CFPB personnel, I urgently need your help. I have good 750+ cXXXX XXXX both with XXXX XXXX XXXX XXXX but a 680+ score with Experian. 

Both XXXX & XXXX HAVE already REMOVED MY BANKRUPTCY FROM MY CREDIT REPORT ( AFTER 7 YEARS ). Experian has so far REFUSED TO REMOVE MY BANKRUPTCY FROM MY CREDIT REPORT. Below is my letter to Experian : XX/XX/2023 RE : EXPERIAN BANKRUPTCY DISPUTE I have previously disputed US BKPT CT MD XXXX ; Reference number XXXX ; with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. The Bankruptcy clerk stated : THE UNITED STATES BANKRUPTCY COURT DOES NOT ( I REPEAT DOES NOT ) REPORT ANY INFORMATION TO THE CREDIT BUREAUS It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately ( I REPEAT THE BANKRUPTCY INFORMATION ON MY CREDIT REPORT MUST BE DELETED/REMOVED IMMEDIATELY ). 

Sincerely, 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX reporting wrong information on my credit report.I told them the account dont belong to me and to send me the original signed agreement, and account original balance and they will not validate 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 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: TX

Complaint narrative:
In accordance to the Fair Reporting Act XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX to the Fair Reporting Act XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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: 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: MO

Complaint narrative:
My XXXX XXXX credit card is still incorrectly showing me over my balance. My balance is only {$890.00} see attached.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act the companies listed below have violated my rights per : 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 XXXX XXXX XXXX XXXX  account ending # XXXX XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX, account ending # XXXX XXXX XXXX, account ending # XXXX XXXX XXXXXXXX XXXX account ending # XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX account ending # 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 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act the companies listed below have violated my rights per : 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 XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXXXXXX XXXX  - XXXX XXXX XXXX, account ending # XXXXXXXX XXXX XXXXXXXX, account ending # XXXXXXXX XXXX XXXXXXXX, account ending # XXXX XXXX XXXXXXXX XXXX, account ending # XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
XXXX XXXX, 2023 I spoke to XXXX staff from Veterans United Home Loans, and she was trying to convince me to use their realtor. I refused and she starting being very rude and disrespectful by coughing loud as I talked. So I did the same. XXXX I previously spoke to acted very similar and trying to talk over you, then coughing when I was talking. They knew I was a XXXX male based on my voice, and it has XXXX indicators based on how they were acting. The next day I spoke to XXXX XXXX, and he was soured on the phone because they had told him about the interaction. So he kept changing my document requirements, and eventually said I need this year taxes done or they can not do anything. I chose not to proceed with them due to terrible interaction. They should not be allowed to serve veterans. They service was horrible with XXXX undertones as well. They had no written authorization to pull my credit, and XXXX pulled my credit any way. I want inquiry remove, because they should not have pulled my credit.

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: 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: NC

Complaint narrative:
To Whom it May Concern, I am sure you are well aware of the legal actions taken against XXXX XXXX XXXX in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against XXXX from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with XXXX XXXX XXXX XXXX ( XXXX ) was opened XXXX XXXX  and there for falls into the dates included in the judgement which are XXXX XXXX XXXX XXXX XXXX XXXX. All orders of this judgement are dated effective as of XXXX XXXX XXXX 
Section XXXX of the judgement states " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL XXXX major credit bureaus ( Equifax, XXXX, and XXXX ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed because of this judgement.

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: 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: NC

Complaint narrative:
To Whom it May Concern, I am sure you are well aware of the legal actions taken against XXXX XXXX XXXX in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against XXXX from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with XXXX XXXX XXXX XXXX ( XXXX ) was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 
Section 16 of the judgement states " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL XXXX major credit bureaus ( XXXX, XXXX, and Experian ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed because of this judgement.

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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXX/XX/2022

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 belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX account was closed in a dispute on my credit it still says XXXX balance, account is closed and XXXX XXXX does not have permission any longer to get my credit info

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: 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: MO

Complaint narrative:
My XXXX XXXX XXXX XXXX is still incorrectly showing me over my balance. My balance is only {$890.00} see attached.

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: 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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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: 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: MO

Complaint narrative:
XXXX  on my credit reports show a balance of {$420.00} but is is not zero and has not been updated since XX/XX/22.

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: 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: MO

Complaint narrative:
XXXX  on my credit reports show a balance of {$420.00} but is is not XXXX and has not been updated since XX/XX/22.

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 information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland creditXXXX bank XXXX XXXX accounts with Midland credit XXXX XXXX was paid in full but they refused to report it to the three credit reporting agencies and it is still open as not being paid in full. they have acknowledged the received the cheques both accounts were paid XXXX  account # XXXX in the amount {$3800.00} account # XXXX amount {$3600.00} XXXX XXXX Mortgage, I have not had my Mortgage with XXXX for over 7 Years and it is still showing up on my credit report

Company response to consumer: Closed with explanation
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 — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Purchase car XXXX XXXX XXXX XXXX 
Used wells Fargo dealer services to pay car off. Couldn't make bigger payments to finish paying off the vehicle quickly. I finally paid off the car XX/XX/XXXX. 
I was supposed to get a check of {$540.00} due to being off paid before due date and from gap. I never got the check and also had overdraft fees from wellsfargo.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MO

Complaint narrative:
SBNASELFLNDR on my credit reports show a balance of {$420.00} but is is not XXXX and has not been updated since XX/XX/22.

Company response to consumer: Closed with explanation