vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint against Digital Federal Credit Union ( DCU ) because they do not provide adequate back end support for basic digital banking functionality including external ACH transfers. They have a deeply inferior implementation of Plaid which is so flawed I can not even connect my XXXX XXXX XXXX checking and savings account, even though XXXX is the largest bank in the nation. Likewise, they pretend to offer support for loan and retirement account linkages but can not provide reliable support in that regard either. Meanwhile, DCU has been stalling me for more than a month saying that there is no definitive end date to fix these issues. Since DCU is currently engaged in a mega-merger with California 's own XXXX XXXX XXXX XXXX XXXX while promising " Uniting the capabilities of the nations XXXX leading technology-forward credit unions will allow us to innovate and push the boundaries to deliver more elevated experiences by making material investments in products and services to meet the needs of our growing membership '' ( see attached press release ). CFPB and the Office of the California Attorney General need to take prompt action to protect consumers by requiring these organizations to meet industry baseline performance standards before being allowed to proceed with the proposed transaction.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted documentation beginning of XX/XX/year> to Equifax asking them to remove the address XXXX XXXX XXXX XXXX Texas XXXX from my credit report because I do not/have not lived at that address. 
They corrected it with my correct address XXXX XXXX XXXX XXXX, Texas XXXX but it still has XXXX XXXX XXXX address listed as a previous address and I am not connected to that address. 
I am once again them to completely remove that address from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TX

Complaint narrative:
I reviewed my updated report and not all XXXX buerors are in unison as to what needs to be removed and reported. 
XXXX XXXX is an athorized account I need removed ASAP XXXX for XXXX & Transunion should be removed as it is for XXXX as of XX/XX/XXXX XXXX inquiries as well as XXXX XXXX should be cleared off my theft report is attached and police report was sent but its still seen as well as proof that I can't even get verified to speak on behalf of the account because I'm not the person that opened it ( see attached ) 4.I asked for all alerts, statements, holds, freezes etc to be lifted but I still have them especially with XXXX and XXXX stopping me from being able to have my report pulled. I sent my proof of identity and address weeks ago and tracking says it was received I called and confirmed it was uploaded. 
XXXX, My XXXX  XXXX XXXX loan was removed from XXXX but is still not updated with Transunion or XXXX as XXXX XX/XX/XXXX I proved with LOADS of documents these should be done across all reports and it's your DUTY to make sure everything in in sync or to show me line by line law by law contact etc why it shouldn't be with you SPECIFIC agency

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my updated report and not all XXXX buerors are in unison as to what needs to be removed and reported. 
XXXX XXXX  is an athorized account I need removed ASAP XXXX for Equifax & XXXX should be removed as it is for XXXX as of XX/XX/XXXX XXXX inquiries as well as XXXX XXXX should be cleared off my theft report is attached and police report was sent but its still seen as well as proof that I can't even get verified to speak on behalf of the account because I'm not the person that opened it ( see attached ) XXXX asked for all alerts, statements, holds, freezes etc to be lifted but I still have them especially with Equifax and XXXX stopping me from being able to have my report pulled. I sent my proof of identity and address weeks ago and tracking says it was received I called and confirmed it was uploaded. 
XXXX, My XXXX  XXXX XXXX loan was removed from XXXX but is still not updated with XXXX or Equifax as XXXX XX/XX/XXXX I proved with LOADS of documents these should be done across all reports and it's your DUTY to make sure everything in in sync or to show me line by line law by law contact etc why it shouldn't be with you SPECIFIC agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: IN

Complaint narrative:
I am writing to formally request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ). I am a victim of identity theft, and the accounts and inquiries listed below were not authorized by me. 
Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I have received multiple phone calls, text messages and random emails. I was the victim of identity theft and have been requesting my email, full name, home addresses for XXXX  years, my full birthdate, my siblings, their spouses, their in-laws to be removed from the internet. There are millions of these sites that sell personal information for {$2.00} and they deserve to be complicit in identity theft cases. They must realize who is buying this information. 

These data brokers are using public records to scam people into paying debt they dont owe. They threaten, harass and pretend to be practicing Attorneys, Court Officials and Service Processors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experience XXXX and XXXX how inquiry that have not been made by me. I am a victim of identity theft over the past Four Years And request these fraudulent inquiries to 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 2024-11-23 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: MO

Complaint narrative:
I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent accounts and inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the accounts and inquiries listed below be blocked and permanently deleted from my credit report as they are not authorized by me. 
Fraudulent Accounts 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: MO

Complaint narrative:
I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent accounts and inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the accounts and inquiries listed below be blocked and permanently deleted from my credit report as they are not authorized by me.

Fraudulent Accounts 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 Fraudulent Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-23 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

XXXX : XXXX xxxxxxxxxxxx XXXX XXXX XXXXXXXX XXXX XXXX  : # xxxxxxxxxxxx XXXX XXXX : # xxxxxxxxxxxx XXXX XXXX XXXX XXXX : # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX  : XXXX XXXX XXXX : # 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 XXXX years. 

15 S.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating XXXX a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NY

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

XXXX : XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX  XXXX  : # xxxxxxxxxxxx XXXX XXXX/XXXX : # xxxxxxxxxxxx XXXX XXXX  XXXX  XXXX  : # xxxxxxxxxxxxxxxx XXXX XXXX  XXXX XXXX  XXXX  : # XXXX XXXX XXXX  XXXX  : XXXX XXXX XXXX : # 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 S.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating rto a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
About XXXX dollars withheld after account being flagged for my protection and about XXXX years of trying to recover the funds to no avail and illegal withholding of the funds with very inconsistent information through all representatives dealing in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Big Picture Loans, LLC
State: AK

Complaint narrative:
I took out a payday loan a while back and I must say, I was not in my right mind set. I lost a family member and I was XXXX XXXX  I applied for a {$600.00} pay day loan from a XXXX XXXX Loan outfit called " Big Picture Loans ''. The APR is outrageous -- it is over 650 %. The total that would be paid is over {$3500.00}. I have had some money taken out of my checking account. I have attached the agreement. I was wondering if this is legal? I have also had another XXXX XXXX Loan outfit called XXXX XXXX XXXX. I will be doing a complaint about them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I reviewed my monthly statement from Citibank for my Sears credit card. I have been a loyal consumer on this card for over XXXX XXXX 
I noticed that a portion of my balance is now being charge a XXXX  % interest rate on purchases. I have not been late on my payments and had no idea that this increase was coming or for what reason. Upon contacting a Citibank representative named " XXXX '' no last name given as he is protected by law. He identified himself as a manager in XXXX. He told me that the FTC had approved this usurious rate increase and that consumers had been notified by mail in XXXX. I never received that letter. 
I am, quite simply, outraged that ANY bank would charge such a usurious interest rate to their customers without notice. That increase is XXXX % over the previous interest rate of XXXX %. When did the US Government begin to allow, nay, encourage, banking institutions to engage in USUSY. That is a very unsavory term with very negative assoicaitons throughout history and yet Citibank is now a USURER with Government permission/approval. 
What can a consumer do? I have spoken to XXXX and he says its legal to arbitrarily increase the interest rate even though I have not been late on a payment.

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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I am, again, filing this complaint against Social Finance ( SoFi ) regarding an account restriction that has resulted in the withholding of my funds without a reasonable resolution. 

My family member deposited funds into my SoFi account as repayment for borrowed money. Shortly afterward, SoFi restricted my account for " security reasons. '' I complied with their initial request to provide my driver 's license and a photo of my face to verify my identity. However, during a subsequent follow-up, SoFi requested the personal phone number of the depositor to verify the transaction. 

I explained to SoFi that I can not provide this information for several reasons : 1. Lack of Independent Verification A personal phone number does not provide definitive proof of identity or transaction legitimacy. I could provide any random phone number, and if the person answering confirms the deposit, it would satisfy SoFis requestregardless of its accuracy. This method relies entirely on trust and lacks cross-referencing with other forms of documentation. 

2. Susceptibility to Manipulation Phone numbers can be spoofed or falsified, making this method insecure. Furthermore, a depositors phone number is not inherently linked to the bank account or the transaction in question. 

3. Privacy Concerns A personal phone number is sensitive information, and my family member values their privacy. Sharing this information with a third-party financial institution could expose them to data breaches, unsolicited calls, or misuse by data brokers. 

4. More Secure Alternatives Exist Financial institutions commonly use secure methods to verify transactions, such as : Written confirmation or a notarized letter from the depositor. 

Proof of the transaction, such as a receipt, bank statement, or deposit slip. 

Verification through secure banking channels ( e.g., direct bank-to-bank communication ). 


Despite my attempts to resolve this issue and suggest alternative methods, SoFi has refused to offer any options. They issued a written response stating they will not release my funds unless I provide the depositors phone number. This is unreasonable, lacks security integrity, and fails to align with best practices for verification. 

The funds in question were lawfully deposited, and SoFis refusal to release my money is deeply troubling. Their actions have caused undue stress and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: MS

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( 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 2024-11-23 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: MS

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( 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