vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXX XX/XX/2023 TransUnion FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be 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 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
I paid off my Affirm account in XX/XX/2022. As of today, XX/XX/XXXX - Affirm has not updated the balance on the three credit bureaus ; I have opened eleven disputes regarding the balance of my account. No one is reading the account status - to the letter! 

The majority of the customer service representatives have language barriers- unacceptable. The department that handles the credit reporting need additional training.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I want to report some fraudulent inquiries that are on my Equifax credit report and I want them to be deleted as soon as possible. They have been laying and sending me papers saying that the fraudulent inquiries have been deleted but they are still on my credit. Here are the fraudulent inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: NY

Complaint narrative:
My right as a consumer is being violated according to " 15 usc 1681a2 ''. In Accordance with the Fair Credit Reporting act, Account Number : XXXX has violated my rights. I have mailed out letters to Transunion as well as called XXXX XXXX to properly investigate an account that does not belong to me. The Tracking Number for the letters mailed out are:XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The credit bureau stated that Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX was properly investigated, however how is that possible when that account is not on any of my other credit report. According to the FCRA 15 U.S.C 1681everything has to be 100 % Accurate. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c-2 also states that " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ''. I haven't given these accounts written permission to furnish these accounts on my credit report. I have the credit report showing the inaccuracies. I am a victim of fraud and I've also attached a copy of my Identity theft 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I paid for a service, a money remittance on XX/XX/2023. Supposed to be in the beneficiary 's account in minutes. It's been 3 days. I call moneygram 's customer service for an explanation they blame the recipient 's bank, they say the recipient 's bank have the funds available and they don't know when the recipient will have the funds deposited into his account but they will investigate. I tell them the recipient really needs those funds and that if they can't make sure he receives the money like right away I would like to cancel the transaction. Customer service then tells me that is no possible that I have to wait up to 90 days. I just talked to the money transfer beneficiary, He went to his bank to find out the reason for the money not being there. It turns out there is not money they are withholding, that by law they can not withhold any funds that belong to an account holder. I call customer service, this time just to cancel. But again I'm told " not possible ''. I ask to talk to somebody else and this person tells me that whoever I talk to it's going to tell me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
To whom it may concern, I am writing to bring light to unfair business practices by Cash App that have caused me significant stress and financial hardship. On XX/XX/2023, I initiated a transfer of XXXX XXXX from my Cash App account to my XXXX XXXX XXXXXXXX account. Cash App confirmed the transfer would take XXXX business days. 

After XXXX  days passed without the money appearing in my XXXX XXXX XXXXXXXX account, I contacted XXXX XXXX XXXXXXXX, who informed me that Cash App never initiated the transfer on their end due to a 'computer issue. ' However, the money was also removed from my Cash App account, leaving me without access to my funds. 

I have made multiple attempts to contact Cash App by phone and chat to resolve this issue and locate my missing money, but have found their customer service essentially non-functional. Their phone line does not connect, and their chat bot provides unhelpful automated responses without addressing my specific problem. 

Essentially, due to technical errors on Cash App 's part, my money has vanished, and I have no way to access or recover it through their customer service channels. This has caused me significant financial distress, as I am unable to pay bills and expenses. 

Cash App 's lack of reliable customer service and failure to take responsibility for errors that affect users ' money is unacceptable and unethical business conduct. I urge you to look into their technical issues that lead to funds disappearing, as well as improve their customer service response so users like myself have a way to promptly resolve problems. No customer should endure the stress and chaos I've experienced trying to access my own hard-earned money. 

I look forward to a satisfactory resolution of this situation by Cash App. Please feel free to contact me with any questions. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
My loan started out as an XX/XX/XXXX loan with XXXX. It was transferred to XXXX  XXXX XXXX. It was then transferred to XXXX. It is now with Mr. Cooper. Mr. Cooper says they can not locate the original loan terms and can not offer me any information. 
The company misled me about my options. I requested to be considered for a modification during my Covid-related hardship on XX/XX/XXXX. They placed me in forbearance until XX/XX/XXXX, after which time they told me that I didn't qualify for a refinance. Now they are foreclosing on me and they won't talk to me. They refuse to tell me who the owner of the loan is so I can negotiate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America close my joint and personal account along with my savings accounts and they keep pushing the date to retrieve my funds from my checking and savings

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 2023-09-08 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: CA

Complaint narrative:
I have called, mailed and disputed online the identity theft inquiries several times. The online dispute get closed in a day. Equifax ran an investigation from my mailed in dispute, and the results agreed the inquiries should be deleted. HOWEVER, Equifax still has NOT deleted the information. THE dispute results letter states the DELETION HAS HAPPENED. but this is NOT TRUE. they are still showing as of today 's date. Proof attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: CA

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

In accordance with the laws, everything must be accurate and verified. EXPERIAN and XXXX and continually inputing the same account with a different number. 
I havee contacted the bureaus back XXXX and had put a fraud alert on my reports and filed FTC AFFIDAVIT to show prooof of the accounts being a different numbers, they deleted and inputted again with another number. 

Experian reported XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

Two different numbers for the same account! This is fraud and illegal. 
Not just accounts are in accurate but it is also, illegal to list dates of LAST DATE oF ACTIVITY two different dates and made it newer, reaging is illegal. 

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. 

I want the account deleted or pay me for my time and continual headache from the laziness and fraudualant practices of 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 2023-09-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: TX

Complaint narrative:
Their toll-free number doesnt allow you to speak with anyone at Mr.Cooper Mortgage when going through their IVR. Puts you in a continuous loop then hangs up. Feels very predatory when Im unable to reach a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On or about XX/XX/2023 I filed a complaint to the cfpb about All Credit Reporting Agencies failed and as of today still failing to comply with the following : 15 U.S. Code 6802, part of the Gramm-Leach-Bliley Act ( GLBA ), requires financial institutions to protect their customers ' personal and financial information. The GLBA also requires financial institutions to : Not disclose nonpublic personal information to nonaffiliated third parties unless the consumer receives sufficient notice Provide a notice of their privacy policies and practices to each customer Allow the consumer to opt out of the disclosure of their nonpublic personal information to a nonaffiliated third party The notice must include the categories of information collected and disclosed. The financial institution must provide the initial notice to each customer when a customer relationship is established 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been at least 6 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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:
On or about XX/XX/2023 I filed a complaint to the cfpb about All Credit Reporting Agencies failed and as of today still failing to comply with the following : 15 U.S. Code 6802, part of the Gramm-Leach-Bliley Act ( GLBA ), requires financial institutions to protect their customers ' personal and financial information. The GLBA also requires financial institutions to : Not disclose nonpublic personal information to nonaffiliated third parties unless the consumer receives sufficient notice Provide a notice of their privacy policies and practices to each customer Allow the consumer to opt out of the disclosure of their nonpublic personal information to a nonaffiliated third party The notice must include the categories of information collected and disclosed. The financial institution must provide the initial notice to each customer when a customer relationship is established 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been at least 6 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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