vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
On XX/XX/XXXX, I mailed out letters to all ( 3 ) major credit bureaus, following FCRA Section 609, which provides me, a consumer the right to dispute any inaccurate information on my credit report. Correct name, address, and phone number. 

If the credit bureau finds any errors, then the credit bureau must remove them within 30 days and notify me, the consumer. If the credit bureaus can verify the accuracy of accounts, correct name, address, and phone number, the credit bureaus still must notify me, the consumer. 

The FCRA Section 611, provides me, the consumer with permission to follow up and refute accounts deemed verified. This requires the credit bureaus, to reinvestigate these unverified accounts and remove them after 30 days. 

Following FCRA Section 623 deems it a violation to Report information with actual knowledge of errors. The consumer, 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. 

I am contacting you concerning old and outdated information that is appearing on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), negative information can only appear on my credit report for 7 to 10 years, depending on the item. These are the items in question. 

I request you verify and remove any old and outdated accounts. Once you have completed any corrections, please send me a new credit report reflecting the updated information. 

As I have not heard back from you in over 30 days regarding my notice of dispute dated XXXX XXXX XXXX and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : I understand that under U. S. C. Sec. 1681i ( a ), the credit bureaus must complete this investigation within 30 days of receipt of this letter and send me the updated report showing your compliance with the FCRA Laws and METRO 2 Reporting Standards as well as these accounts removed.

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 2023-04-10 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: CA

Complaint narrative:
On XX/XX/XXXX, I mailed out letters to all ( 3 ) major credit bureaus, following FCRA Section 609, which provides me, a consumer the right to dispute any inaccurate information on my credit report. Correct name, address, and phone number. 

If the credit bureau finds any errors, then the credit bureau must remove them within 30 days and notify me, the consumer. If the credit bureaus can verify the accuracy of accounts, correct name, address, and phone number, the credit bureaus still must notify me, the consumer. 

The FCRA Section 611, provides me, the consumer with permission to follow up and refute accounts deemed verified. This requires the credit bureaus, to reinvestigate these unverified accounts and remove them after 30 days.

Following FCRA Section 623 deems it a violation to Report information with actual knowledge of errors. The consumer, 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.

I am contacting you concerning old and outdated information that is appearing on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), negative information can only appear on my credit report for 7 to 10 years, depending on the item. These are the items in question.

I request you verify and remove any old and outdated accounts. Once you have completed any corrections, please send me a new credit report reflecting the updated information. 

As I have not heard back from you in over 30 days regarding my notice of dispute dated XX/XX/XXXX, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : I understand that under U. S. C. Sec. 1681i ( a ), the credit bureaus must complete this investigation within 30 days of receipt of this letter and send me the updated report showing your compliance with the FCRA Laws and METRO 2 Reporting Standards as well as these accounts removed.

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 2023-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I was affected by covid and lost my employment. I was not able to pay my mortgage and reached out to the XXXX  for assistance in XX/XX/2022. The XXXX has reached out to XXXX XXXX ( my mortgage holder ) over 6 times via their portal. And XXXX XXXX has refused to respond. When I call XXXX XXXX they keep hanging up on me or when I am able to get someone they say they are trying to collect a debt when I ask about anyone reaching out to them they say they don't see it in the system and the XXXX person that works those cases in the portal has not received it. I am trying to keep my home I have nowhere to go with my children that is safe and that I can afford. I have a great job now that pays me well. I can more than afford my mortgage. But it is like they are trying to take my home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: IL

Complaint narrative:
This compnay put something in my credit report, they have never notified me or sent me information till I filed a case with this government agency that did nothing. I spoke with an attorney which advised this company isnt even bonded in Illinios. They have have never sent me any documents advising me of this before putting on my credit report. They are also charging me monthly fees on the credit report which I was also advised they cant do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: IL

Complaint narrative:
I've received an obscene amount of inquiries on my credit profile between XX/XX/XXXX up until as recent as XX/XX/XXXX. I've never initiated any of these inquiries nor provided anyone with written authorization to access my credit. I've spent several days and hours contacting equifax, XXXX, XXXX and the creditors but I'm not receiving any assistance from any of the companies mentioned and they have failed to provide me with proof showing I consent to these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, I same-day domestic wire transferred {$26000.00} from my Bank of America ( BofA ) Business Account ending in XXXX to XXXXXXXX XXXX XXXX ( XXXX ) for beneficiary/account holder of XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) with account ending XXXX. According to BofA, XXXX accepted the wire on XX/XX/2023. However, the following week, my vendor XXXX still had not received funds into their account. When she called XXXX, they told her that they were awaiting additional information from BofA. I called BofA and they told me that they sent the additional information. Still, the funds sat unreleased for a couple of weeks more. On XX/XX/2023, funds had still not been released to the beneficiary and I initiated the wire recall to my bank of BofA. I was told that XXXX could take up to 24-48 hours to acknowledge the recall and from there, it would be unknown when my account at BofA would again see my money returned into my account. Seven business days later ( 168 hours ) on XX/XX/2023, I called BofA to inquire the status and they told me that XXXX has not yet acknowledged the recall and they do not have the ability to take funds back from them and can only continue to request funds be returned yet they just sat and did nothing. I have called multiple departments at BofA and I get nowhere. I asked the account holder at XXXX to help with a call to her bank. Here is what she wrote me today, XX/XX/2023, after calling them, XXXX XXXX told her the following : XXXX reached out to Bank of America for the added info needed for compliance. 
BofA responded to the first outreach, acknowledging receipt of it only. 
XXXX followed-up four separate times thereafter and never received the info. 
XXXX, therefore, closed the claim. 
The funds are not with XXXX and are with BofA. She pressed this issue several times and was told this repeatedly. 
XXXX suggested you to escalate this with BofA and assured you that is the only option for me to receive the funds back. 
This has become BEYOND frustrating and to me seems to be negligent and illegal. 
My complaint is that XXXX or BofA are illegally holding funds that do not belong to them, not informing their account holders of the status or informational needs to release funds and I believe that these banks are in violation of Federal Banking laws and consumer protection rights. I want either the funds to be returned to my BofA account immediately or released to the beneficiary that I originally intended.

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 monetary relief
Consumer complaint received 2023-04-10 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have tried several times to have Greensky correct my account as they listed XXXX, XXXX, and XXXX as each being 30 days late each. There could not be 3, 30 day late payments in a row. ( 3 inaccurate mark ) {$1000.00} fine each. 
Also, as per 15 us code 1681s-2 ( f ) in which is found on the CFPB website, If Greensky made an accommodation, in which they did, they waived fees on my account due to covid. Since my account was in good standing at the time of the accommodation my entire account was to be update to paid as agreed so there should be no late payments on this account and should show current anyway. 
I sent an email as per their supervisor XXXX on XX/XX/2023 advising to list my credit disputes. The email also had a letter outlining in more detail of the law and what I was disputing. The email was sent on XX/XX/2023 to XXXX. Greensky failed to add remarks to show " customer dispute '' ( 2nd inaccuracy ) {$1000.00} fine. Not only that, they failed to even respond to my dispute of the inaccuracies, and they failed to mark any of my credit reports as disputed as per 611 - 15 U.S.C. 1681i ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. this is another fine of {$1000.00} Lastly, Greesky willing allowed my account to stay inaccurate all this time and has failed to keep my credit accounts accurate as my score depends on this information being true. My score has gone down with all this inaccurate unverified info. They have continued to show an open account with a balance of over {$21000.00} which is ruining my debt to income ration even thought the account has been paid since XX/XX/2023. I can't apply for loans that I need because I this. This is a serious violation as my account is not accurate. This is another violation and {$1000.00} fine. 
total of {$6000.00} in remedy I am due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I received a call today on my direct employee office line from Transworld Systems. I have no idea why they are calling me at my place of employment. I attached a screenshot of my office line Caller-ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Consumer Adj. Co. reported a debt on my credit report without informing me of the debt. I did not received an initial notice giving me the option to dispute the debt. I requested verification of the debt as well as assignment or bill of sale and I did not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: PA

Complaint narrative:
I am XXXX XXXX and was excited to start working on building my credit. After checking my credit report, I am confused why there is a derogatory mark on my credit history and 9 hard inquiries. I have never in my life applied for credit. The fraudulent account is XXXX XXXX XXXX with the amount of {$140.00}. AND THE NINE HARD INQUIRES ARE, 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 2023-04-10 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: PA

Complaint narrative:
I am XXXX XXXX and was excited to start working on building my credit. After checking my credit report, I am confused why there is a derogatory mark on my credit history and 9 hard inquiries. I have never in my life applied for credit. The fraudulent account is XXXX XXXX XXXX with the amount of {$140.00}. AND THE NINE HARD INQUIRES ARE, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
See previous complaint. I was not notified Wells Fargo Home Mortgage made a response here on this site with my complaint, nor was a I notified that I had a time limit on responding otherwise CFPB would close it. Wells Fargo Home Mortgage closed my complaint because I had to wait for an email from the credit union with proof of payment on my end. Then they transferred me to someone else who in turn was doing the same thing. I provided everything they asked for but no one from cfpb reached out to me asking if what they were saying was accurate. This is far from closed!

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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app account was fraudulently accessed and I was locked out and XXXX dollars was stolen from me due to no fault of my own. The only possible way that this could of happened to me is because I am one of the users who's data was compromised by block inc who owns cash app. Because the company did not secure their users information properly my account was able to be accessed and money taken out of my account and there was nothing I could do about it until I got in touch with cash app support. I will explain. On XX/XX/XXXX  I get an email from cash app saying my account was accessed from a different or new device at XXXX near XXXX XXXX I live in XXXX Texas so that right there should something. Then also on XX/XX/XXXX  at XXXX my email address was unlinked from cash app locking me out of my account entirely. I contacted cash app support as soon as I realized what happened and it took days for cash app support to finally respond back to me. I had over XXXX dollars in account before I was locked out of the account and then my email address was unlinked from the account on XXXX. It took days and days for me to finally get a response back from cash appp because I had to create a whole new account just to get someone from cash app support to finally help me. I told cash app support what happened to me and I was able to finally regain access back into the account on XX/XX/. Not even 6 minutes later somehow my email address was able to be once again unlinked from my account and I was locked out of the account for the 2nd time. Please keep in mind this is the same cash app account that cash app support had just granted me access back into just 6 minutes earlier. When I was locked out of the account for the 2nd time I had XXXX dollars in the account still. When I was finally able to get a hold of cash app again about this matter i explained to them what happened but no one would listen or even attempt to try and help me .now I am told that there is about XXXX bucks in the account and that I need to calm down. How can the XXXX grand I had in the account yesterday XX/XX/XXXX  just disappear even though I have proof that my account was accessed fraudulently without my permission? How can it just be lost forever? How is that okay? Had cash app not had the data breech I would not even be in this horrible situation in the first place. 2nd had cash app done there job whenever they were able to give me access back into the account and taken off the other emails or phone numbers etc. I wouldn't be writing this email either. Some how 6 minutes later my email address was unlinked and I was kicked back out. Now fast forward to today cash app is telling me I only had XXXX dollars on the account left. When the day before that 9 hours previous to be exact I had XXXX american dollars. What happened to all of my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I have contacted USAA about 2 separate accounts opened in my name by someone else on three separate occasions attempting to just pay it off.They " can not verify '' my identity to allow me to make a payment. If you can not verify my identity to pay you then you shouldn't be able to verify the debt belongs on my credit report. I have tried to pay these accounts three times to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: TX

Complaint narrative:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts.

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.

Company response to consumer: Closed with explanation