vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A fraudulent wire transfer and foreign conversion per my original CFPB Complaint XXXX was made on XX/XX/year> for XXXX USD. Although I have been directed to XXXX to file a complaint against XXXX, I beleive that Citi who was the intemediary bank handling the wire transfer and foreign currency conversion was negligent in not recalling the wire in a timely manner and ultimately depositing the funds to the final beneficiary bank in XXXX. Athough XXXX made a recall request on XX/XX/XXXX, following a recall request made by me on XX/XX/XXXX, no action appears to have been taken by Citi or Citi XXXX to recall the wire in a timely manner.Given that the conversion would be a XXXX day settlement and the transfer of funds likely took additional time, it appears Citi was negligent on acting upon the request of XXXX to recall the wire. Since all fund transfers between banks and financial institutions particularly foreign transfers are documented by date and precise time per Anti Money Laudering regulations, I am seeking these dates and times by Citi and Citi XXXX in which my funds were ultimately transferred to the receiving bank XXXX XXXX determine whether there was misfeasance on the part of Citi and their affiliate..

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to XXXX XXXX, North Carolina XXXX 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and 75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore, North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes XXXX Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I called them on the phone after receiving XXXX text to authenticate my account and it was dead naming me on my account by my old legal name in the XXXX text message. 

Phone number XXXX ( XXXX ) XXXX quoted text below of actual text message. 
" Mr. Cooper Loans : Hello XXXX, Please use the passcode below to verify your account : XXXX '' My name is XXXX XXXX XXXX on the account. Why is this company constantly dead naming me on purpose, referring to me as he/him pronouns and discriminating against me in any manner. Because there call center is in XXXX, Yet I am in XXXX operating in there discrimination laws. It's illegal to discriminate against a person by dead naming them, using the wrong pronouns. There customer service reps always argue with me on the phone. I have to constantly defend my person because of the discrimination and there in ability to do a proper introduction on the phone like take my full name, address and account number to authenticate who I am which is a security risk all in its own. No wonder why my information was stolen by hackers from this company and I can't pick a different servicer who doesn't discriminate against me or services my loan poorly. 
I want the discrimination of referring to my old legal name and old pronouns fixed immediately. I want the malicious use of this to stop. 

They also don't even have my XXXX XXXX posted in the account because they are using my old information and unable to display my XXXX XXXX correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Next Financial Inc. dba Copper
State: IA

Complaint narrative:
On XX/XX/year> I received notice from Copper banking that they were closing all accounts. It stated I would receive my funds within 3-5 business days. That has not happened. On XX/XX/year>, I received notice that once again, within 3-5 business days, my funds would be deposited into a outside account, and that still has not happened.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ).

I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with FAIR COLLECTIONS AND OUTSOURCING or any of its Affiliates nor have I ever engaged in any business with FAIR COLLECTIONS AND OUTSOURCING in the past and this trespass against me I consider is identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, and a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation, and settlement. 
Reporting inaccurate information on my consumer report This reporting has cause me damages and lost of potential housing. 

FCO 's consumer reporting has caused me hardship and difficult for me to obtain affordable housing.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-18 00:00:00
Product: Credit reporting 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I formally requested that XXXX XXXX and Equifax remove the Bankruptcy from my credit file citing that they do have Permissible Purpose according to FCRA SECTION 604 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. There are several late payments on the account listed as XXXX  XXXX Account # XXXX this is not accurate and neither consumer agency provided me with the financial records that prove I was indeed late with these payments. They can not provide this information because it would be against my privacy rights for them to have access to my financial information. 

Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments do not match up and the information is reporting differently on each consumer agency.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-06-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I found the complaint with XXXX XXXX XXXX XXXX XXXX, Equifax, credit viewer, and XXXX credit bureau and none of these items were removed from my credit report and its been over 30 days. Its been over 45 days and these items are still being investigate investigated on my credit report, I can prove credit fraud and credit identity theft that these items were not mine. Theyre still on my credit report and the investigation took over 30 days and 45 days so why cant you remove these things off my credit report according to the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company will not remove this address from my file which is not mines contacted them over a XXXX times XXXX XXXX XXXX XXXX ga say verified but if it not mines how could it be I want it removed asap

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous efforts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense stress and XXXX. I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit file.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous efforts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense stress and XXXX I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit file.

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 2024-06-18 00:00:00
Product: Credit reporting 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called TransUnion LLC in XX/XX/year> and spoke with an agent whom I advised that I wanted to dispute and remove all and incorrect personal information from my credit report including any and all Name variations, addresses, employers and phone numbers. I provided the agent with the following correct Personal information that should appear on my credit report. Name should only appear as : XXXX XXXX XXXX. My current and only address that should appear on my credit report is XXXX XXXX XXXX, XXXX, FL XXXX. The correct and only phone number that should appear on my credit report is XXXX. On XX/XX/year> I received a copy of my current TransUnion credit report and there are still 13 additional addresses listed in addition to the correct address that I provided. the phone number listed, XXXX is not my correct phone number.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XX/XX/year>. XXXX. Bank sent email saying my contact number changed. I didn't change anything. Rocket Mortgage employees sent email saying they need payment. I have sent information to XXXX XXXX XXXX XXXX XXXX land theft in XXXX XXXX XXXX. XX/XX/year> XXXX XXXX and another man practicing here in XXXX XXXX. At XXXX location I just rented. I contact XXXX insurance in XXXX to explain the Theft of my assets in XXXX XXXX and XXXX. XX/XX/year> the XXXXXXXX XXXX  XXXX harassment. Even after XXXX XXXX  clarification of investigation for me to get them receipts. I am not married to Anyone in XXXX XXXX. XXXX XXXX I don't know him. We don't have XXXX business together. We never worked together in XXXX XXXX XXXX. I don't know why XXXX. XXXX, Rocket Mortgage, XXXX XXXX XXXX XXXX to allow XXXX XXXX and other clowns to steal my information and play with my business investment. Please do something XXXX XXXX I met in XXXX. We never had any money transfer or investment in my XXXX XXXX XXXX here in XXXX. These are the only ones I am aware of that have done sorcery here where I am. If the people in this area I am currently. Contacted these clowns then please look into bank robberies here in this area. I have not used my credit card or anything else yet. Please help me.

Company response to consumer: Closed with explanation