vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a CD mature on XX/XX/year>, I called to close it on XX/XX/year>, within the 10 day grace period. Customer service closed the account and offered to have the funds transferred via ACH to my external checking account. I provided the information and confirmed. Two days later I received a secure message on their web site which I then confirmed, stating that I agreed to the terms and that my information was correct. I checked two days later and the money had not left the account so I called customer service and they told me expect the transfer to process in 3-4 days. I waited XXXX more business days and called again since the money had still not left the account a week later and was told they will process the transfer in 3-4 business days ... the same answer I got the week before. I asked if there was any way to expedite the processing or if I could go into a branch to have a check drawn but they said no since they consider their online branch separate. A week and a half since I closed my CD, I am getting the feeling that they are purposely holding onto the money and I have literally no recourse or way to access it but to wait another 3-4 days before I try to contact them again. I have had dozens of bank accounts over the years and I have never had a bank hold my money hostage like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-08 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: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency. XXXX did not provide me with the original contract as requested. Credit reporting agency did not verify contract.

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 2024-05-08 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: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency. XXXX did not provide me with the original contract as requested. Credit reporting agency did not verify contract.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been working with XXXX, EQUIFAX AND XXXX to " block '' fraudulent accounts opened under my name during identity theft. I continue to have the same issues even though I have supplied all of the information required by federal law, and that I was instructed to do so via the FTC and CFPB. 

XXXX : The emailed on XX/XX/year> stating the proof of address was not accepted. I enclosed a bank statement, which is an acceptable form. I will also upload it to this complaint as proof. XXXX is instructed to add this to the packet they received on XX/XX/year> @ XXXX XXXX via tracking number XXXX EQUIFAX : Has ignored all attempts to correct this information. I have not heard back anything, other than the response to the last complaint on CFPB. Equifax is also instructed to upload the bank statement attached as proof of address to the packet they received on XX/XX/year> @ XXXX XXXX via tracking number XXXX XXXX XXXX Has completely ignored all request, both via certified mail, CFPB and telephone calls. They repeatedly send me emails saying they are denying my request for blocking. I'm also instructing XXXX to upload the proof of address attached to this complaint. They also received the identity theft packet via certified mail on XX/XX/year> @ XXXX XXXX via tracking number XXXX All parties receiving this complaint are instructed to process this blocking request in a timely manner, and to the full extent of the law. Failure to do so will result in legal action being filed in court. I've tried over and over again to get this issue taken care of, all of which has been ignored. These credit reporting agencies are very quick to allow someone to steal your credit, but then refuse to fix it. Being that I was part of the DATA BREACH from XXXX, you would think they would take this seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been working with XXXX, XXXX AND EXPERIAN to " block '' fraudulent accounts opened under my name during identity theft. I continue to have the same issues even though I have supplied all of the information required by federal law, and that I was instructed to do so via the FTC and CFPB. 

XXXX : The emailed on XX/XX/year> stating the proof of address was not accepted. I enclosed a bank statement, which is an acceptable form. I will also upload it to this complaint as proof. XXXX is instructed to add this to the packet they received on XX/XX/year> @ XXXX XXXX via tracking number XXXX XXXX XXXX Has ignored all attempts to correct this information. I have not heard back anything, other than the response to the last complaint on CFPB. XXXX is also instructed to upload the bank statement attached as proof of address to the packet they received on XX/XX/year> @ XXXXXXXX XXXX via tracking number XXXX EXPERIAN XXXX Has completely ignored all request, both via certified mail, CFPB and telephone calls. They repeatedly send me emails saying they are denying my request for blocking. I'm also instructing Experian to upload the proof of address attached to this complaint. They also received the identity theft packet via certified mail on XX/XX/year> @ XXXXXXXX XXXX via tracking number XXXX All parties receiving this complaint are instructed to process this blocking request in a timely manner, and to the full extent of the law. Failure to do so will result in legal action being filed in court. I've tried over and over again to get this issue taken care of, all of which has been ignored. These credit reporting agencies are very quick to allow someone to steal your credit, but then refuse to fix it. Being that I was part of the DATA BREACH from Experian, you would think they would take this seriously.

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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in 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 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing issue with Transition persisting in reporting XXXX on my credit report with errors, despite my repeated attempts to rectify this matter through your office. Despite reporting this issue multiple times, I am disappointed to note that no action has been taken to address this concerning situation. 

To provide context, I have diligently followed the necessary steps outlined by your office, documenting each instance of error and discrepancy, and have exhaustively communicated these concerns through the channels provided. Despite these efforts, Transition continues to report XXXX on my credit with inaccuracies, negatively impacting my financial standing and causing undue stress and inconvenience. 

My previous communications with Transition and XXXX have yielded no satisfactory resolution, prompting me to seek assistance from the Consumer Financial Protection Bureau. However, the lack of action on behalf of the CFPB in addressing this matter is disheartening and leaves me feeling abandoned in my pursuit of fair and accurate credit reporting. 

I have attached copies of all relevant documentation, including detailed records of communication with Transition, XXXX, and previous correspondence with your office. These documents provide clear evidence of the errors present in my credit report and the failure of Transition to rectify them despite numerous attempts. 

Given the gravity of this situation and its significant impact on my financial well-being, I implore you to take immediate action to address this matter. I request a thorough investigation into the reporting practices of Transition regarding my account with XXXX and urge you to intervene to ensure that accurate and fair reporting standards are upheld. 

Furthermore, I seek clarification on the steps that will be taken by the CFPB to resolve this issue promptly and effectively. Your guidance and assistance in navigating this challenging situation would be greatly appreciated. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and the swift resolution of this concerning 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 2024-05-08 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: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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
Consumer complaint received 2024-05-08 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: OH

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
They are contacting my mother about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I XXXX sent a check via the Chime XXXX XXXX on XX/XX/2024 to my sister XXXX for {$3500.00}. The funds were immediately withdrawn from my XXXX XXXX checking account on XX/XX/2024. XXXX received the check at her home address on XX/XX/2024. XXXX attempted to deposit the check into her checking account located at XXXX XXXX. She was given access to the funds immediately through her XXXX checking account through XXXX banking policy. After XXXX hours the check was returned to XXXX as a non cashable check. XXXX was then ask to return the funds to her account which was negative {$3500.00}. She returned the funds, and XXXX returned the check as fraudulent. The check was sent from XXXX XXXX XXXX in XXXX XXXX took the check to XXXX XXXX XXXXXXXX as directed by her XXXX XXXX representative. At XXXX XXXXXXXX XXXX they told XXXX that the check was fraudulent because the signature on the check that was provided by XXXX XXXX  XXXX in XXXX, is not a verified account holder, and the check is non cash able due to the signature being unverifiable. I XXXX, have made contact with my bank ( Chime, XXXX XXXX ), and the XXXX XXXX XXXX in XXXX the bank that the check was printed at, multiple times, with video documentation, of each business hanging up on me multiple times. My bank ( Chime, XXXX XXXX ) is showing the status of the check is Cashed, and claiming that they are unable to reversed the payment of the check. I XXXX, assumed the check would be coming from Chime, or the XXXX XXXX when I filled out the form to have the check sent through the mail to my sisters home address. There was no indication anywhere on the form that stated that Chime would be using a third party, which is XXXX XXXX XXXX, to send the funds through a check from an unknown account. At this point, the funds have been withdrawn from my Chime bank account on XX/XX/2024. My sister XXXX has not received the funds for the check to her XXXX account from XXXX XXXXXXXX XXXX where the check came from and the check was returned to XXXX. I am unable to contact anyone with XXXX XXXXXXXX XXXX because neither my sister XXXX, nor myself XXXX hold an account with XXXX XXXXXXXX XXXX. I am unable to get my {$3500.00} back that was withdrawn from my Chime, XXXX XXXX account. I also never authorized for them to give my information to XXXX XXXX XXXX to send the check out. This is the only way I can send checks through Chime, XXXX XXXX. There is no option to order physical checks for my account. When I have made contact with Chime between XXXX XXXX XXXX XXXXXX/XX/XXXX through XXXX XXXX XXXX XXXXXX/XX/XXXX, they have told me there is nothing they can do because the check has been cashed, and they hang up on me while holding for a XXXX to speak to me on the line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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