vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
** Please ensure any personal identifier data matches strictly with what I have submitted uncontested above, I do NOT authorize you to hold on to ANY info not requisite reported, not undeniable, not correct, not full, not timely communicated, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the unadornedly ADEQUATE PERSONAL IDENTIFIER information I have above submitted! 
Re : This serves as my official notification to you, or any entity, concerned that I here now have confliction with the reportability of your claim ( s ) until it's decisive that privilege t o report was executed adequately and in a firmly rooted and objectified compliantly reported compliant manner, even to the mandates in accordance with the CDIA required CRRG described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. 
To whom it concerns, edit out now the following claim ( s ) one or more of being not certified tractably supposed or elsewise revealed, unverifiable, invalid, untrue, inaccurate, inadequately unabbreviated or incomplete to needed standard, untimely disclosed, not fastidiously right by cite proof to be of a known ownership of my responsibility, inconsistently divulged, deficiently described, questionably believed and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims professed versus me as the consumer. Remove immediately and enduringly any negativity related to :

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
** Please ensure any personal identifier data matches strictly with what I have submitted uncontested above, I do NOT authorize you to hold on to ANY info not requisite reported, not undeniable, not correct, not full, not timely communicated, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the unadornedly ADEQUATE PERSONAL IDENTIFIER information I have above submitted! 
Re : This serves as my official notification to you, or any entity, concerned that I here now have confliction with the reportability of your claim ( s ) until it's decisive that privilege t o report was executed adequately and in a firmly rooted and objectified compliantly reported compliant manner, even to the mandates in accordance with the CDIA required CRRG described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. 
To whom it concerns, edit out now the following claim ( s ) one or more of being not certified tractably supposed or elsewise revealed, unverifiable, invalid, untrue, inaccurate, inadequately unabbreviated or incomplete to needed standard, untimely disclosed, not fastidiously right by cite proof to be of a known ownership of my responsibility, inconsistently divulged, deficiently described, questionably believed and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims professed versus me as the consumer. Remove immediately and enduringly any negativity related to :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act .The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 


1.Account name : XXXX XXXX, account number XXXX 2. account name : XXXX XXXX XXXX XXXX  , account number XXXX 3.account name : XXXX XXXX, account number:XXXX 4.account name XXXX XXXX XXXX, account number:XXXX 5.account name XXXX, account number XXXX 6.account name dept of ed XXXX, account number XXXX, 7.account name dept of ed XXXX, account number XXXX 8.account name dept of ed XXXX, account number XXXX 9account name dept of ed XXXX, account number XXXX 10.account name open XXXX XXXX XXXX  account number XXXX 11.account name XXXX XXXX account number XXXX 12.account name XXXX XXXX, account number XXXX 13.account name XXXX XXXX XXXX account number XXXX 14.account name XXXX  XXXX XXXX XXXX, account number XXXX 15.account name XXXXXXXX XXXX /XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T Bank has an offer for a Credit Card. No Fee & 1 year no interest. I applied over the phone on XX/XX/XXXX and get approved for over $ XXXX on the phone and give them my info for a balance transfer to my Credit Union for {$2400.00}. Wait a few weeks & receive a letter dated on XX/XX/XXXX. But did not receive the letter until XX/XX/XXXX. Unable to Process. 
I called XX/XX/XXXX gave them to information again. Called XX/XX/XXXX to see if confirm. No answer. Called XX/XX/XXXX they said unable to process. Should be receiving a letter. As of today no letter. Called XX/XX/XXXX retook my bank info again this time I asked for {$2300.00} transfer. 

Note all time on the phone is over a half an hour on the phone. Customer Serice can't give me a answer why it does not go through. 

Except that their offer is only good for 60 days. They are stalling.

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 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc
State: OK

Complaint narrative:
Logins to the site dont work as they apparently have associated my account with a two factor authentication that I dont use. Ive tried repeatedly over the last two months to contact them and two of their business partners only to receive automated emails that have broken links that indicate that any emails I send are not monitored and will not be processed. Ive made repeated attempts to contact them by phone numbers Ive been given yet they just consistently play recordings that theyre out of the office- even during business hours. XXXX and XXXX are two of their business partners with whom I attempted to initiate communications and they are likewise nearly impossible to communicate with and will not process any request to restore my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
My complaint is that Western Union has received my money and is now holding onto my money unnecessarily instead of immediately delivering to my receiver in XXXX. 
Additionally, the exchange rates have also changed ( + {$0.00} ) during this unnecessary delay. 

I consistently use Western Union on a monthly basis with the same type of bank to bank transfer transactions and it has never taken this long to execute my request. 

Supervisors were unable to address my issue and advised that they have not received my funds yet, but even after offering evidence that the funds had cleared my bank account ( not pending ). 
When supervisor was asked what government entity regulates their business he was unable to provide me the information. 

Western Union supervisor and representatives stated that they have up to 4 business days to process my request as banks take different amounts of time to release funds- this is not the case here as my transaction has cleared. 

Western Union transaction reference : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my name is XXXX XXXX XXXX. i been try to get access to my Wells fargo account Complete Advantage checking account is XXXX Money Market saving account is XXXX i have spoke with young lady on Wednesday XXXX, the Well fargo bank employee is from the enterprise complaint management office. she wasnt helpful, very unprofessional. 
Iam victim of a identity theft. 
Here are some of the miss spelling of my last name and also the wrong last name has it has you're under the credit reports also have appeared under different bank such as 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 2023-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I applied for a home loan and the lender ( XXXX XXXX ) received my credit report from XXXX. All 3 credit bureaus are still reporting activity as of this month on a closed account with the Police and XXXX XXXX XXXX XXXX. The account number ending in XXXX. This was a charged off account that was settled in XX/XX/2022 ; although the creditor did not report receipt of funds until XX/XX/2022. There has been no activity on this account since XX/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 non-monetary relief
Consumer complaint received 2023-02-25 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: MD

Complaint narrative:
I applied for a home loan and the lender ( XXXXXXXX XXXX ) received my credit report from XXXX. All 3 credit bureaus are still reporting activity as of this month on a closed account with the Police and XXXX XXXX XXXX XXXX. The account number ending in XXXX. This was a charged off account that was settled in XX/XX/2022 ; although the creditor did not report receipt of funds until XX/XX/2022. There has been no activity on this account since XX/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 2023-02-25 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: DISCOVER BANK
State: MD

Complaint narrative:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
Sheffied Financial has been in communication with me concerning a debt that doesn't belong to me. It is a business account and I am not a cosigner on this debt. Yet, they continue to report this debt on my personal credit report. I have asked them to provide the contract bearing my signature showing that I am indeed a cosigner as evidence. I've asked them to cease and desist in regards to contacting me via my private residence and phone. They have failed to do so. This is a violation FCRA reporting standards among others.

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 2023-02-25 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: LA

Complaint narrative:
On XX/XX/2023, over 30 days ago I sent you letters but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX and the Office of the Atty General if did not I receive appropriate response.

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 2023-02-25 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: FL

Complaint narrative:
I have been reaching out to the credit burrows for a while regarding these inaccuracies on my account they keep giving me automated responses I am a victim of the XXXX  data breach and have already filed my settlement with XXXX XXXX XXXX XXXX  already I'm requesting for Equifax to read my documents and reinvestigate this issue and provide proof of validation In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. My right was violated 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 USC 1681i ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: PA

Complaint narrative:
I have an XXXX card that I was supposedly added to as an authorized user, but I do not recognize this account. Regardless, as an authorized user, I am not legally responsible for the account and I would like the account to be removed from my credit report. This account does not show up on my XXXX or XXXX credit reports either. I disputed the account with Experian but they have not removed the account from my report.

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 2023-02-25 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2023, over 30 days ago I sent you letters but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.

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 2023-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH has committed multiple errors. There is no dispute that the owners own the home. There is no dispute that PHH does not have title to the property. There is no dispute that the borrower filed a XXXX before the notice of sale as issued. There is no dispute that in Florida a notice of sale is required to complete a sale. There is no dispute that Florida is a judicial state. PHH is misclassifying the status of the property as XXXX when there is not dispute that XXXX is still in the name of the borrowers. Therefore this property can not be XXXX until the borrower loses title. PHH is causing the borrowers harm as well as injuries and preventing them from completing loss mitigation. The borrowers have a buyer who is willing to make an offer and PHH is preventing the resolution of the alleged debt. PHH has violated 12 cfr 1024.41 and 12 cfr 1024.35 ( b ) ( 11 ). PHH is therefore dual tracking by frustrating the loss mitigation process and moving forward on the foreclosure at the same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The Following Inquires were placed on my credit report without my consent, Ive tried to remove them with the company but they refuse to remove it, could you please assit me in removing these inquries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that they items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible

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 2023-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALL WESTERN MORTGAGE
State: TN

Complaint narrative:
I was denied today ( XX/XX/2023 ). The mortgage lender company is All Western Mortgage. 
I don't want to put any names on here but XXXX is the contact number for the person I was talking to. I am a XXXX veteran at 100 percent. The problem is that this company asked for hospital records before making a decision. I was also told that I need 24 months of rental history. I was informed that my current residence is only 18 months ( XXXX XXXX ). This company omitted information for a previous residence ( XXXX XXXX ) before making this decision. Every bit of information this company asked for was provided. How can they leave out 6 months of requested information out and ask for hospital records and then give a denial.

Company response to consumer: Closed with explanation