vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding Relay Banks failure to return funds to my company, which a small family owned business, and the bank 's lack of transparency throughout the process.

On XX/XX/XXXX, we opened an account with Relay Bank. Given issues regarding verification document, Relay closed our account on XX/XX/XXXX, although we tried to provide them with all the information needed, albeit late. On XX/XX/XXXX, we noticed that our account balance had been withdrawn the full {$32000.00} following the account closure. Despite this, as of XX/XX/XXXX, we have not received the check Relay Bank claimed to have sent. 

Over the past month, I have made multiple requests for proof of the checks issuance and a tracking number to follow its progress. Relay Bank has not provided any such documentation, only offering a transaction ID, which is of no use to us. Despite assurances that the check had been sent, it has not arrived, and no verifiable information has been provided. We have insisted several times that they simply transfer the funds to another account the company has, but they have refused to do so. 

On XX/XX/XXXX, we called Relay Bank as we had not received the funds and requested a wire transfer. Request was denied. We tried verifying the address as we had not received the check at our address, they were missing a the door number. They confirmed they would reissue with the full address. 

On XX/XX/XXXX, we called Relay Bank and spoke with a representative named XXXX, explaining the situation and insisted that the funds be transferred to us via wire transfer instead. This request was denied. XXXX assured us that the check would be reissued and sent by certified mail with a tracking number, but this still has not happened. We were informed that their finance department was handling the issue. 

Again, on XX/XX/XXXX, we contacted Relay Bank and spoke with another representative to emphasize the urgency of this matter. The response we received was that they were still in discussions with their bank to resend the check, but no specific actions or timeframe were provided. 

As of today, XX/XX/XXXX, we have neither received the check nor any further communication from Relay Bank with a resolution. The delay in returning our funds, combined with the complete lack of transparency and communication, is unacceptable. This has severely impacted our financial health and has prevented us from operating at a normal level. 

I am requesting that the Consumer Financial Protection Bureau intervene to ensure that Relay Bank promptly returns the funds in question, as well as provides official documentation confirming the checks issuance and dispatch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: FL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-05 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: FL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I purchased an airline ticket from XXXX XXXX at the XXXX airport on XX/XX/scrub>XXXX Twenty minutes later, I returned to XXXX XXXX to cancel my ticket. I purchased a new ticket but got charged for two tickets on XXXXXX/XX/year> on my bank statement. XXXX told me at PNC Bank that once you charge a ticket, you do not have XXXX to change your mind. Once you buy a ticket, that is it. How did this lady get that job?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: OH

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the unfair and potentially unlawful practices of the credit reporting bureau, Experian. For several months now, I have been battling with Experian to remove collections from my credit report that I did not open, was never informed about, and have no knowledge of. Despite disputing these accounts multiple times, Experian has been unwilling to remove these erroneous collections, even though I have successfully resolved the issue with the other major credit reporting agencies. The disputed accounts are as follows : XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$970.00} - Balance Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX - Balance : {$780.00} - Balance Updated : XX/XX/year> XXXX. XXXX XXXX XXXX - Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} - Balance Updated : XXXX XXXX XXXXXX/XX/year> These accounts were added to my credit report without any prior notification or knowledge on my part. I have disputed these collections numerous times since being made aware of them, yet Experian has refused to act in accordance with my rights as a consumer. I am deeply concerned that these debts, which I never incurred, continue to tarnish my credit score and financial standing due to Experians negligence or unwillingness to take the necessary corrective actions. To make matters worse, I have successfully managed to have these erroneous accounts removed from my credit reports with XXXX and XXXX. This has significantly improved my credit score with these agencies, yet Experian remains unresponsive to my valid disputes. It has become evident to me that Experian does not have the best interest of consumers in mind, but rather appears to cater to third-party debt buyers and collection agencies that prey on consumers with unknown or disputed debt. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold Experian accountable for its refusal to act in compliance with the law. Consumers like myself should not be forced to endure the damaging effects of inaccurate credit reporting, particularly when the information in question has been repeatedly disputed and is demonstrably false. Thank you for your attention to this serious issue. I trust that your agency will take the necessary steps to ensure that Experian is held to the same standard of accountability as other credit reporting bureaus.

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 2024-09-05 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: LA

Complaint narrative:
XXXX XXXX XX/XX/XXXX - not my account i have no knowledge of it XXXX XXXX XXXX XXXX XXXX XXXX  credit card was fraudulently openeXXXX XXXX XXXX XXXX XXXX XXXX credit card was fraudulently opened

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 2024-09-05 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error 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 non-monetary relief
Consumer complaint received 2024-09-05 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:
I consistently ensured timely payments, so I'm puzzled by an error 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 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I don't recall having a contractual relationship with this collection company. 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 2024-09-05 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: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 generallf, 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. Andaccording 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. 

Resources

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request your assistance regarding an account from XXXX that appears on my credit report. The account, opened in XX/XX/year>, shows a balance history that I do not recognize. Despite multiple attempts to obtain documentation validating the account 's accuracy and ownership, I have not received a response from XXXX. 

Account Details : Account Opened : XX/XX/year> Account Balances : XX/XX/year> : {$170.00} XX/XX/year> : {$140.00} XX/XX/year> : {$110.00} XX/XX/year> : {$89.00} Actions Taken : I have contacted XXXX on the following dates to request validation of this account : XX/XX/year> XX/XX/year> XX/XX/year> Despite these efforts, XXXX has not provided any documentation to substantiate that this account is valid or that it belongs to me. This lack of response has left me unable to verify the legitimacy of this account. 

Relevant Legal Framework : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, I have the right to dispute and request validation of inaccurate or incomplete information on my credit report. The FCRA requires that credit reporting agencies investigate disputes and provide accurate information. 15 U.S.C. 1681s-2 ( b ) mandates that furnishers of information, such as XXXX, respond to disputes with validation. 

Consumer Protections : The FCRA ensures that consumers are protected from inaccurate information and provides mechanisms for correcting errors and verifying the legitimacy of reported accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: NY

Complaint narrative:
The name XXXX XXXX XXXX and the address below is incorrect : XXXX XXXX XXXX, XXXX XXXX NY XXXX This has never been a personal address of mine. It is identity theft.

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 2024-09-05 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: CT

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 XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: CT

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 XXXX Bureaus, Transunion, XXXX, 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 2024-09-05 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: CT

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 XXXX Bureaus, XXXX, Experian, 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 explanation
Consumer complaint received 2024-09-05 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: CO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
I am reaching out to dispute the incorrect information currently reflected on my credit report from your bureau. There are discrepancies in the data reported for specific accounts, which require immediate correction under the Fair Credit Reporting Act ( FCRA ). 

Attached are letters that thoroughly outline the issues with the accounts in question, including supporting documentation. The errors involve incorrect dates, account statuses, and other details that do not accurately represent my financial history. These inaccuracies are unjustly impacting my credit score and overall financial standing. 

I kindly request that you conduct a thorough investigation into the accounts referenced in the attached documentation, rectify the mistakes, and remove the inaccurate data from my credit file. Additionally, I expect the corrected information to be updated in compliance with FCRA requirements, and a confirmation sent to me once the corrections have been completed. 

If any further information is needed to facilitate this process, please inform me at your earliest convenience. I appreciate your prompt attention to this matter and anticipate a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank Vice President XXXX XXXX in XXXX XXXX, FL told Me that because his " personal contact '' no longer works for XXXX  XXXX XXXX he could not help us with a check that they put on a 6 Day hold without warning, he also told us that Its been " Years since he had seen a check that looked like that at TD '' ( Come to find he has worked there for just 10 months )- and that " XXXX doesn't verify checks over the phone '' I informed my Father in Law who wrote the check and he called XXXX, they advised us that this had already processed and that they DO verify Checks for TD Bank all of the time. 

Every other Bank I have used notifies you before depositing that there is going to be a long hold with a warning, even at the ATM. We would have simply cashed the check at XXXX had we been informed. After returning home 5 minutes later, I e-mailed XXXX XXXX providing the number that XXXX supplied and He has yet to respond. 

TD Bank obviously wouldn't base Corporate Policy on whether XXXX XXXX XXXX  " Personal Contact '' still works for another Bank, he clearly didn't want to help me. In addition my husband ran the scenario by a banker at another branch and they said " Of course XXXX verifies checks over the phone '' We are a family of XXXX, My husband needs his Medication and I already have had to cancel a Dr appointment because XXXX XXXX XXXX  personal acquaintance no longer works for another bank when he could have found the number online to verify checks at XXXX and resolved this with 5 minutes of his time, very sad.

Company response to consumer: Closed with explanation