vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error.

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 2024-03-11 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: NY

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ).

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged 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 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

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I applied for HAF in early 2022 as soon as I knew making my mortgage payment was going to be difficult, to say the least. I described in another complaint that I was scammed and lost almost {$3000.00} to my bank after that was held for many months It set my finances behind so badly I couldn't make my payments and before I knew it I was months behind on my mortgage. HAF said that I was approved and we are basically just waiting for funding and that the lender, United wholesale mortgage, also known as XXXX XXXX 's loans, just needed to contact them but there was no communication between the HAF and the lender. After going back and forth between the two of them for months there was no resolution and ultimately it seemed like no one really cared about the situation anymore. Even though I was approved for assistance It rode out until the very end when I was supposed to go to foreclosure. Just before the date for auction luckily I found an investor who's willing to buy the property in the last minute to at least avoid the foreclosure and get me out of the house. But now I don't have my family home, we're struggling to pay rent because it's so much more expensive than my mortgage ever was ... my life is totally upside down and I feel like I was almost duped and wasted all my time trying to correct a situation that I could have corrected myself. But I was told not to make any payments because they were going to handle everything and making a payment could affect the approval process and the funding potentially. I found out after the fact as well that I could have stayed in the home under a HUD provision that would have allowed my family to stay there as long as we made partial payments and kind of leased the place back to ourselves but no one told me about that and I didn't know anything about it until I got a letter when we already were out of the house. The whole thing seems very suspicious and something is off for sure. I've fallen into a deep XXXX over it and have had no idea what to do so I'm praying this complaint has some sort of positive outcome at least. I can't see myself owning a home any time soon after over 7 years of being a homeowner. It's very disheartening especially now that we have a XXXX XXXX XXXX daughter and raising her in a nice home in a nice neighborhood was in our grasp and suddenly it was all stripped away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
This complaint is in reference to case # XXXX against Square. Square requested that I open a new savings account and I did on XX/XX/XXXX. I contacted Square and let them know that I opened a new savings account. They sent a link for me to verify the amount that was put in the new account which was XXXX. The link continued to take me back to the sign in screen and would not allow me to verify. I waited one week and contacted Square again and spoke to XXXX who then verified my account and she assured me that the account was verified and my money would be transferred into my account in 1 to 2 business days. It has been another week and Square has not transferred my money into my account. My business is suffering because they are holding my money. I will be also contacting a lawyer if this isn't resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/year> No court eviction date only a move out date which I supplied to management.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley National Bank holds the mortgage on my condo at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Loan number XXXX. ( Valley National Bank, XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX ). I am not sure if it is a conventional or FHA mortgage. 

Valley Bank converted to a wholly new computer system in XXXX, XXXX, which created an interruption of banking services for several days. At the same time, they switched from one loan servicing system to another for mortgage loans. Since the conversion, the due date shown for my next mortgage payment is wrong ( what is showing on-line and on the hard copy statements they mail to me ). It appears as though they did not credit one payment, though on the few occasions I have been able to reach a person in the mortgage dept. they have assured me that my records are correct and I am not late in any payments. They dont know why the on-line and statement records are wrong. Because of the system conversion, Valley was unable to produce a normal statement for a 3-week period spanning XX/XX/XXXX to XX/XX/XXXX. I made my normal monthly mortgage payment to Valley on XX/XX/XXXX. I think this is the root of the problem. For whatever reason, this payment, which covered the XX/XX/XXXX due date, did not result in the bank rolling the due date of the next payment forward to XX/XX/XXXX. I have since made additional mortgage payments, on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX but, as of this writing, it appears on their end that I owe a payment for the month I already paid. I do not. They issued a statement to me on XX/XX/XXXX showing that I missed the XX/XX/XXXXXXXX  payment. I want this records keeping corrected. It is very disconcerting to pull up my on-line banking records and see that a loan payment is overdue when it is not. Ditto when I receive a loan statement in the mail that is incorrect. At what point is the bank going to insist that I am late in paying my mortgage and levy a penalty?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX

Complaint narrative:
Between XXXX XXXX XXXX an individual named " XXXX XXXX XXXX stole {$1100.00} from my account in various smaller transactions. 
I contacted Fidelity bank through the debit card service number as soon as I noticed the unauthorized activity, which was either on XXXX XXXX XXXX XXXX Despite being assured an investigation was being started, I received no updates for days. 
On XX/XX/2024, I end up receiving two calls from Fidelity bank, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, I was at work and missed the calls. They did not make any other attempt to contact me other than calling that one day. Days later, I received a letter in the mail stating my case would be closed unless I called the provided number. I immediately called but went to voicemail. 
Subsequent attempts to call on XX/XX/XXXX, XXXX, twice on the XXXX, and on the XXXX and days following, going into XXXX consistently went to voicemail. Despite all my efforts, I received no response. In the time between receiving the letter and unknowingly missing the calls, I attempted to contact the bank for an Update through their debit card service number multiple times, a worker told me they couldnt give me any update over the phone but that there was a letter in the mail that should contain information on my case resolution. ( referring to the letter stating my case was being closed ). Due to the lack of response from the number on the letter i resorted to contacting the debit card service number again, I was told to wait due to a backlog in the fraud department. I was told a call back can take up to a week and so I stopped calling, and waited for a call back as advised. I never received any call back. 
It is now XXXX, and there still has been no update on my case. The number still goes to voicemail, and I feel I've reached a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: MI

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-03-11 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-03-11 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: NY

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collec

t unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ). Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation
( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged 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 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

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 2024-03-11 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: MI

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-03-11 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: MI

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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