vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ADP Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to lodge a formal complaint against my former employer, Nations Hearing, and their XXXX plan administrator, ADP. Despite my repeated attempts and eligibility for withdrawal, I am unable to access my XXXX funds due to lack of necessary documentation from my employer as required for the process. 

According to the Employee Retirement Income Security Act ( ERISA ), as an employee, I am entitled to certain rights regarding my pension, retirement, or profit-sharing plans, which include receiving important information about plan features and funding, minimum standards for participation, and a grievance and appeals process to get benefits from the plans. However, my rights under these provisions are being violated as I am being denied access to my funds without just cause. 

ERISA establishes standards to ensure that plan funds are protected and handled in the best interest of the plan members. This includes the responsibility of the plan administrator, in this case, ADP, to act prudently and solely in the interest of the plan participants. My attempts to withdraw my funds have been improperly denied, which I believe constitutes a breach of fiduciary duty as defined under ERISA standards. 

Moreover, the Department of Labor 's Employee Benefits Security Administration ( EBSA ) enforces ERISA regulations and provides guidance for compliance. According to EBSA, plan administrators are obligated to operate the plan prudently and for the exclusive benefit of participants, and failure to follow the terms of the plan is a violation.

I have attempted to resolve this issue directly with both Nations Hearing and ADP without success. Therefore, I am seeking the assistance of the CFPB to intervene on my behalf to ensure that my rights under ERISA are upheld, and to facilitate the release of my 401k funds as per my entitlement. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-19 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: VA

Complaint narrative:
In XXXX of 2024 I the consumer attempted to have my credit report updated to reflect the accuracy of the information necessary to be 'shared '. The accounts that are to be removed are XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies, I am the Consumer. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those.

customers nonpublic personal information. '' ( XXXX, XXXX XXXX XXXX XXXX XXXX ) are a financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to Transunion, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
As of XXXX, XXXX, and XXXX of 2024, I the consumer have sent correspondence to these entities in regard to my privacy as a consumer and according to 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-03-19 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: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: VA

Complaint narrative:
Transferred money on XX/XX/XXXX to XXXX, money was supposed to reach receiver in minutes, it has been 5 days, XX/XX/2024 and there is no ETA as to when the money will arrive. Their excuse is they can not cancel the transaction although they took my money out of my account already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-19 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: AL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was in a foreberance plan with CHASE eff XXXX which was scheduled to end XX/XX/24. The payment plan was reduced from {$2900.00} to {$100.00} during these months. I was told via the forebearance dept by CHASE ( see attached docs ) however the Relationship Manager at XXXX XXXX XXXX XXXX XXXX, that a modification will occur towards the end of the forebearance. All payments for the amount of {$100.00} were made and drafted from bank account - HOWEVER ARE NO LONGER REFLECTED AT CHASE 'S PAYMENT ACTIVITY. 
CHASE LOAN # XXXX My loan was transferred to XXXX XXXX on XXXX HOWEVER THERE WAS NO INFORMATION REGARDNG MY FOREBERANCE PLAN AND REQUEST TO EXIT FOREBEARANCE AND MODIFY LOAN WAS SENT TO XXXX FROM CHASE. 
LOAN # XXXX I believe Chase conducted predatory and nefarious practices, in an attempt to push foreclosure with my home. 
I have all paper correspondence from CHASE regarding my above statements. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was charged fraudulently after leaving my card behind at this restaurant while eating out with friends.

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 2024-03-19 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 am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I don't recall having a contractual relationship with FAIR COLLECTIONS & OUTSOURCING Account Number : XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-03-19 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I don't recall having a contractual relationship with CAINE & WEINER COMPANY Account Number : XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: AL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a debt collection notice in my deceased Mother 's name from REVCO SOLUTIONS XXXX Inc. Reference # XXXX for the amount {$3300.00} as of XX/XX/XXXX according to XXXX XXXX XXXX XXXX In an effort to resolve this matter on XX/XX/XXXX I called REVCO and spoke with representative XXXX attempting to explain the situation. I informed her that this matter had already been resolved on XXXX XXXX, XXXX through the New York State Department of Public Service case # XXXX. After my attempt to explain, Representative XXXX stated, " look are you going to pay or not? '' Squatters had taken over my Mother 's house when I moved her into a XXXX ASSISTED LIVING Facility in XX/XX/XXXX. I promptly started Eviction Proceedings with an attorney. 
Working in the capacity of my Mother 's POA agent, every month, when the XXXX XXXX arrived, I called to implore with the agents to turn off the electricity because the squatters refused any responsibility for their utility usage and had NO intention of paying any bills. I spoke with many XXXX agents, XXXX being one of last. She stated " we are NOT allowed to turn OFF utilities according to the Governor 's COVID ruling. '' I had to pay up to XX/XX/XXXX confirmation # XXXX. 
After receiving several FINAL TERMINATION NOTICES from XXXX and causing much confusion through our many conversations, I contacted the proper authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I don't recall having a contractual relationship with JEFFERSON CAPITAL SYSTEM Account Number : XXXX and XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX, at XXXX, I discovered that a fraudulent account with Chime.Com was opened using my personalemail in XXXX, Ca using a phone I do not own ( XXXX ) - I live in XXXX XXXX area and not XXXX XXXX so its definitely not me. I called Chime and they confirmed an account was opened, but could not cancel the account as they required the last four of my SSN and my DOB, which i did not feel comfortable providing. As such, they did not close the account but only removed my personal email from it. There is allegedly a bank card in the mail, but Chime refused to cancel the account although they were able to confirm that this account was open fraudulently. XXXX. I filed a report with the company y, but they refused to provide a case number or correspondence confirming the fraudulent activity. I spoke with XXXX from Chimes Member Protection department, but he did not give me any further information. I also requested a supervisor/their information, but this was also not provided. Chime Refused to close the account although it was confirmed this account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I don't recall having a contractual relationship with PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation