vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: WI

Complaint narrative:
According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am required to submit a picture ID, a bill, and a letter from an advocacy group supporting me due to debt bondage related to human trafficking, as defined under Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documentation from the list of acceptable items, which, as per the law, only requires two documents. Additionally, I have included all necessary documents, including a victim determination letter in accordance with Rule 1022.142 ( b ) ( 6 ).

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 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On Friday XX/XX/2024 I received a payroll direct deposit from XXXX XXXX XXXX XXXX at XXXX. I am a XXXX XXXX XXXX XXXX in the state of Georgia. This direct deposit was for my earnings last week. I attempted to use my debit card for gas at racetrack. The transaction was denied, as were all charges I attempted to make. The bank flashes a message on the screen telling me my account is under review. I attempted to call and speak with someone. I did speak with someone who told me that the department reviewing my account does not communicate with their customers. They do not accept phone calls. I was asked to upload several documents via email. I provided my social security card, a picture of my drivers license, a picture of my face next to the drivers license, a tax return and a utility bill. I uploaded all documents requested and called back. I was told they received them. That was Friday morning. I was told to wait 2-3 days. Now its Monday. They are still keeping me from using my money and have my account locked for no lawful reason whatsoever. This is a negligent abuse of power and has now damaged me financially. I was unable to pay my rent and unable to feed my family. I was unable to pay any bill. I am late now on bills which will lower my credit score significantly. This bank is engaging in fraudulant activity by wrongfully withholding my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, we were given ACH instruction from our vendor, XXXX XXXX XXXX We made an ACH payment of {>= $1,000,000} to the account number on First Horizon Bank in Tennessee on the bank letter on XX/XX/XXXX. First Horizon Bank contacted our banker, XXXX XXXX, on XX/XX/XXXX that the account that we made payment to has high amount activities that is suspicious. After investigation, we contacted First Horizon Bank regarding the account but they refused to give any information of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On Thursday XX/XX/XXXX between XXXXXXXX XXXX  and XXXXXXXX XXXX I received two emails from bluebird which is affiliated with American Express XXXX XXXX Unfortunately since I was under the weather, I did not check email until Monday, XX/XX/XXXX when I contacted them. The number in their emails to me directed me to their fraud department who refused to give me any information and told me that the department that handles it. I would have to write a letter and mail the letter and wait for them to send me an email response. They claim they close my account due to XXXX in their member agreement. I looked up XXXX in their member agreement. In essence XXXX discusses either fraudulent activity or breach or they have the right to close an account if its not being used or if there was an overdraft of about {$37.00} which I had already called them about once since I was trying to figure out how that could happen since its a prepaid card with no overdraft feature. Supposedly they were opening an investigation, and instead they shut down my account. 

I have other accounts with different banks, so all I need from American Express. XXXXXXXX XXXX was my routing number and account number so I could have my Social Security direct deposited into another bank. They REFUSED to give it to me When I called the number in the email, which was the fraud department, and they referred me to having to hand write a letter to their customer service department in XXXX, Georgia. It couldve been resolved today since I was out and about and couldve covered the overdraft. Even though there were several charges I was disputing. I called customer service a couple of weeks ago and they refused to dispute a charge because they said I do business with XXXX so because there was a charge that I did not make on a day I did not order anything they refused to dispute it. 

In any event, I want to keep the account closed. All I want is my routing number and account number so that I can have my Social Security check deposited to a different bank. I no longer want to do business with them. 

Social Security will not let me change the routing number and account number and less I provide the current information so I need the American Express XXXXXXXX XXXX  and or a bluebird prepaid card to provide that information to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
I'm writing to confer my XXXX  as for the tested records on my credit report. On various occasions, I have raised the issue of XXXX  in these records, and have reliably referred to that they be totally examined. Regardless of what my endeavors, I quite can't get any goal or restorative activity. These off-base records are genuinely harming my credit report and upsetting my capacity to go on with a standard life. The hostile results of these missteps have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with curing what's happening right away. I compassionately demand that you direct a mindful evaluation concerning the specifying of these tested records. It is major that the key advances are taken to resuscitate and audit my credit report immediately. With your assistance, I need to reestablish the exactness and validity of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally over the top idea and make a rapid move. Your collaboration and moving in settling this issue quickly would be enormously significant. Much appreciation to you right off the bat for your appreciation and help.

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 2024-08-05 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: MD

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit 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 2024-08-05 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: CREDIT WORLD SERVICES, INC.
State: FL

Complaint narrative:
XXXX reporting a debt that is not mine. Collection company failed to provide debt verification documents,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: VA

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Equifax : XXXX XXXX XXXX/ XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via dealer/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX/ XXXX XXXX # XXXX ; XXXX XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX/ XXXX XXXX XXXX/ XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX. 

Attached are copies of my state ID. 

Warm Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: VA

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via dealer/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian : XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

Attached are copies of my state ID. 

Warm Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: GA

Complaint narrative:
Hi and good day! There's inquiries on my credit report that I don't recognize, I did not authorize these nor given consent to the companies to pull up my credit report. It is stressing me and making me XXXX on why and how this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-05 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
In a letter dated XX/XX/year>, you were notified of inaccurate accounts on my credit report and many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have attached the dispute letter, which is dated, and time stamped. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: IL

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 : 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 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 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 2024-08-05 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had a CD at Marcus ( Goldman Sachs ) scheduled to mature XX/XX/year> for which I gave instructions as follows : close account and transfer proceeds ( {$260000.00} ) to my checking account at another bank ( XXXX XXXX ). I looked online at my account and it appears that the CD matured on XXXX and a transfer initiated. But on XXXX it shows that Marcus reversed the transfer and the proceeds are back at Marcus.

I called to ask why, and the agent after verifying my SSN, birth date and secret word transferred me to " security '' so they could verify my identity. Security asked me the same questions and asked for an alternate phone number. I don't have an alternate phone number. He asked vague questions about prior addresses and major cross streets and then told me my identity could not be verified ; so the fraud investigation department would call me in 3 to 7 business days to send me an affidavit that I would have to fill out and get notarized to prove my identity.

This entire process has not been like any other identity verification process I have experienced at other financial institutions. I suspect Marcus is intentionally bogging down my withdrawal process. When I searched this issue online I see that many others are experiencing the same runaround.

Company response to consumer: Closed with explanation