vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
On XX/XX/year>, I initiated a transfer of {$1000.00} through Wise to send funds to my recipient in XXXX. The app indicated that the transfer was completed and awaiting the recipients bank to issue the funds, with an expected delivery date of XX/XX/year>. 
However, on XX/XX/XXXX, the transfer failed due to incorrect information, as stated in their notification. I promptly corrected the recipients details ( adding their middle name ) and reattempted the transfer. Wise marked the second attempt as successful and provided confirmation. 
Despite this, the transaction was manually canceled on XX/XX/year>, without prior notice. My recipient informed me of the cancellation on XX/XX/year>, after failing to receive the funds. This unnecessary delay caused significant inconvenience. 
Due to the delay, I was forced to use XXXX XXXX to send the money, incurring an additional cost of {$1200.00}, including higher fees for instant cash pick-up. Wise refunded the original amount of {$1000.00} to my account on XX/XX/year>, after admitting that the cancellation was due to a technical error on their end. 
Wises mishandling of this transaction caused unnecessary delays, financial losses, and emotional stress. Specifically : 1. Wise marked the second attempt as successful, misleading me into believing the funds had been delivered when they were later canceled. 
2. The cancellation was caused by a technical error on Wises end, as confirmed in their email. 
3. This forced me to use a more expensive service ( XXXX XXXX ) to deliver the funds urgently, resulting in an additional expense of {$120.00} ( {$1200.00} - {$1000.00} ). 
Now, Wise is demanding repayment of the refunded amount, despite admitting responsibility for the cancellation. This demand disregards the financial burden their error caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding the improper reinsertion of inaccurate and unverified negative accounts on 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 2024-11-27 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 sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: NY

Complaint narrative:
Dear CFPB Representative, I am writing to dispute and complain about the business practices of Kickoff Inc. regarding my credit account with them. Despite my requests, Kickoff Inc. has failed to provide clear disclosure of the terms and conditions of my credit account, insufficient validation of the debt, and potential misrepresentation of their services. 


I have attached a copy of my correspondence with Kickoff Inc., which includes their response to my dispute. I believe that Kickoff Inc. has violated the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 


I respectfully request that the CFPB investigate this matter and take the following actions : 1. Request that Kickoff Inc. delete the disputed account from my credit report. 
2. Ensure that Kickoff Inc. provides clear disclosure of the terms and conditions of their credit accounts. 
3. Verify that Kickoff Inc. has sufficient validation of the debt and is not engaging in potential misrepresentation of their services. 


Please find attached the following documentation : - Copy of credit account agreement ( if available ) Thank you for your attention to this matter. I look forward to your response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: AZ

Complaint narrative:
I have no contract related to the account attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I, XXXX XXXX, am disputing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have occurred regarding my credit report. I am addressing issues such as unauthorized hard inquiries, inaccurate late payment reporting, and failure to verify the accuracy of my credit information. These actions are in violation of several sections of the FCRA, which protect my rights as a consumer. 

FCRA Section 616 : The credit reporting agency failed to verify the accuracy of the information before accepting it, which is considered willful noncompliance and subject to civil liability of up to {$1000.00} per violation. 

FCRA Section 603 ( d ) ( 2 ) ( A ) : The agency did not disclose my right to opt out of sharing my personal information, which is a deceptive violation of my consumer rights. 

FCRA Section 623 ( a ) ( 3 ) : The agency reported inaccurate accounts and inquiries without proper validation, which is considered deceptive under generally accepted accounting principles. 

Debt Collection Practices Act Violations : The agency reported inaccurate debts and accounts without my consent, leading to harassment from creditors, which is an unfair practice.

Acquiring Location Information Regulations Violation : Debt collectors improperly contacted third-party credit agencies with my information, claiming I owed a debt, which is a violation of regulations prohibiting such disclosures. 

Violation of Timely Payments Regulations : Late payments were reported on my credit report without clear definitions of what constitutes a late payment, making the report deceptive and inaccurate. 

Finance Charge Determination Violation : The agency failed to accurately determine finance charges, which they are required to do under FCRA regulations.

Violation of Credit Report Permissible Purposes : The agency reported information about me without obtaining my written consent, which goes against the permissible purposes outlined by the FCRA. 

In response to these violations, I have outlined specific actions I expect the agency to take, including updating inaccurate payment histories to reflect " never late, '' and deleting unauthorized hard inquiries from my credit report. 

If these issues are not resolved promptly, I will pursue legal remedies available under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: MN

Complaint narrative:
I have had a freeze on my credit with all 3 credit reporting agencies ( Experian, XXXX, XXXX ) since XXXX. Recently, I tried to obtain a new credit card. It was denied because of the Experian freeze. 

I have tried several times/ways to temporarily to do an unfreeze at Experian : Online at their website, Phone call, and Sent them a certified letter. 

When I try to do it online, it says it does not recognize who I am. 

When I try to do it by phone, they send me a text that directs me to an Experion website. Again, any information I enter at that website flagged as invalid. 
I have never been able to talk to a live person, and get no where using the recording. 

I sent the requested information in a normal mail certified letter 3 weeks ago. I have not received a reply. 

Experian is probably the worst company I have ever had to deal with. 

I called XXXX just to see what would happen. I was able to talk to a live person, and he was very helpful. 
Experian is probably the worst company I have ever had to deal with. 

Not being able to open a new credit card is causing problems. How can the problems with Experian be fixed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
I recently reviewed my credit report on XX/XX/XXXX and noticed an account XXXX XXXX XXXX XXXX  that was not reporting accurately. I have one missed payment in XX/XX/XXXX reporting 30-59 days late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the XXXX account that has reappeared on my credit report without proper notification. As a victim of identity theft, I previously disputed this account with TransUnion because it was fraudulently opened without my knowledge. On XX/XX/year>, TransUnion confirmed the deletion of this account from my credit report. However, upon reviewing my updated credit report, I discovered that the XXXX account has been reinserted without any notification as required under the Fair Credit Reporting Act ( FCRA ). Specifically, this is a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a consumer be notified within five business days of reinserting a previously deleted item. This account is inaccurate, and fraudulent, and continues to harm me as a victim of identity theft. I request that TransUnion immediately delete this account from my credit report and provide confirmation of its removal. Please address this matter promptly to comply with FCRA requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Collection Company Name : Transworld System Inc Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Date Opened XX/XX/year> Date Updated XX/XX/year> High Balance {$1500.00} Original Creditor XXXX XXXX Past Due {$1500.00} Asking to have the above debt removed due to it being a debt collector and they are going against the below code for communication with the credit bureaus this information. 


15 U.S.C. 1692c is a section of the United States Code that governs debt collection communication : Communication with the consumer Debt collectors can not communicate with a consumer without their consent or a court order. They also can not communicate at inconvenient times or places, or if the consumer has an attorney. Third-party communication Debt collectors can not communicate with anyone other than the consumer, their attorney, a consumer reporting agency, the creditor, or the creditor 's or debt collector 's attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: KY

Complaint narrative:
writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: KY

Complaint narrative:
writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 2024-11-27 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lendmark Financial Services
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692- Congressional findings and declaration of purpose. 1681 ( e ) ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information. 

Account name : Lendmark financial service Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

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 non-monetary relief
Consumer complaint received 2024-11-27 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
An a PayPal credit line was opened fraudulently in my name in XXXX of XXXX. They used my phone number and personal info to do so. In XXXX of XXXX when I discovered the fraud I called PayPal to report the fraud and was advised to close the account during their investigation and to make the monthly payments in the interim. I did not hear back from PayPal for months and when I called back to check in I find that not investigation was started so I file one again. The results of the investigation were that since I made payments to the account ( under their advisement ) that that was enough proof to deny my fraud investigation to have the debt erased. My PayPal account was completely deleted so I didnt have any access to the PayPal credit account to get updates and handle things. When I tried to resolve it again they were extremely unprofessional and unhelpful that even if one of their employees advised me wrongly that that is not on them and doesnt reflect in their records. So not only are they trying to put the fraudulent debt on me but also dismissing all of the payments I already made to the account. This is completely unethical and manipulative.

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