vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: DC

Complaint narrative:
Dear FTC, Subject : Report of Unauthorized Hard Inquiries on Credit Reports I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries are as follows : Name Requested On Reporting Agency 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian I believe these inquiries have been made without my authorization and are adversely affecting my credit report. I request your assistance in investigating this matter and taking appropriate actions to address this violation. 
Thank you for your 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 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-24 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-01-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-01-24 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: GA

Complaint narrative:
On XX/XX/2024 I transferred {$610.00} to a friend using WorldRemit. Its been 12 days and WorldRemit hasnt paid the recipient. The times I reached out to them by phone ( 1x ) and chat ( 3x ) I have been told that they are contacting the local partner and to wait 24 hours. Its been 12 days since I made the transfer and every time I reached out to them, they say they are trying to contact the local partner. The recipient reached out to her bank and was informed by email that the transfer was reversed the same day it was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 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: Central Portfolio Control Inc.
State: NV

Complaint narrative:
I hope this finds you well. I am inform you that a 1099-A form has been filed with the appropriate tax authorities, indicating that the property secured under the loan agreement between us has been acquired by you through foreclosure or abandonment. The communication serves as formal notice of the completed transaction. I am upset because everyone I have put on notice have not responded and that is against the law in the postal treaty. 
As a result of the filed 1099-A, I am entitled to seek the refund of any past, present, and current securities, as well as the cancellation of any future debts that may arise from the foreclosure or abandonment of the property. 
I request the discharge of the alleged debt, as all debts, including obligations arising. All debts are pre-paid under XXXX XXXX. As such, they must be discharged using proper forms to meet the obligations set forth by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX  and accessories from XXXX. The accessories were received, but the XXXX XXXX  was never received. I followed up with customer service at XXXX who claimed to make a request to the warehouse. The response after several days was " Sorry for the delivery delay of your order, we will check this issue with our relevant colleague and get back to you as soon as possible. '' On XX/XX/XXXX I reached out to PayPal Credit ( Synchrony Bank ) to dispute the charge for the XXXX XXXX of {$130.00}. I followed their procedures to file a complaint. Upon receiving my documentation, the charge was initially removed upon further investigation. 

On XX/XX/XXXX I received a message from PayPay Credit stating, " We located the sales receipt ( s ) in question and/or received additional documentation from the merchant indicating the charge ( s ) in question is valid. After reviewing the documentation, the sales transaction ( s ) appear to be authorized by and/or received by you or an authorized user of the account and we have removed the temporary credit. Please refer to your next billing statement for your balance and payment due date. '' I never disputed that the charges were unauthorized, my complaint was that the item was never delivered. 

On XX/XX/XXXX I followed up with PayPal Credit stating that I never disputed the legitimacy of the charges and again stated that the XXXX XXXX was never delivered. On XX/XX/XXXX they responded with the following : " We have completed our review of your dispute claim on your PayPal Credit account. 
We have received documentation from the merchant regarding the disputed transaction ( s ). The documentation is enclosed for your review. Based on this information, credit will not be issued at this time for the following reason ( s ) : Our records indicate that the service or merchandise was received by you and delivery was confirmed. '' While the accessories were delivered, the XXXX XXXX was never delivered and even in their evidence of delivery, the tracking status is " IN_TRANSIT ''. If you use the tracking number to check with XXXX it indicates a similar status- upon further review it appears that the item never even got to XXXX. 

Compared to other credit card companies, I've never experienced such a convoluted and arcane process for resolving a dispute. XXXX XXXX, XXXX and XXXX have resolved similar situations in minutes with a simple phone call. I seems like an enormous waste of time for the company and the customer for a relatively small charge.

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 monetary relief
Consumer complaint received 2024-01-24 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Subject : Complaint Regarding Identity Theft and Incorrect Reporting on Credit Report Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX incident of identity theft and incorrect reporting on my credit report. During the year XXXX, XXXX XXXX XXXX clients took a patient using a fake driver 's license that does not have the correct home address listed. It has come to my attention that my driver 's license was stolen and altered, leading to this case of identity theft. 

Furthermore, I have discovered that XXXX XXXX XXXX is listed as a debtor on my credit report, as a collections date opened XX/XX/XXXX for {$790.00} which is negatively impacting my credit score. This incorrect reporting is causing significant distress and financial hardship for me. 

Additionally, I have found evidence that XXXX XXXX account was also used to open a business cellphone account using my likeness and name, this reports as a collection for {$730.00} but with the wrong mailing address. 

I have taken immediate action to address this issue by filing a complaint with the Consumer Financial Protection Bureau ( XXXX ), XXXX, and all three credit bureaus. I have provided them with all the necessary documentation, including the police report that shows my license was stolen and altered. 

In light of these circumstances, I kindly request the following actions to be taken : 1. Immediate removal of XXXX XXXX as a debtor from my credit report. 
2. Thorough investigation into the identity theft incident and appropriate actions taken to hold the responsible parties accountable.

3. Assistance in rectifying any financial damages caused by this incident, including reimbursement of any fees or expenses incurred in the process of resolving this matter. 

I expect a prompt response and resolution to this matter. Failure to address this issue adequately may result in further legal action. I have enclosed copies of the relevant documents, including the police report, for your reference. 

I look forward to your prompt attention to this matter and a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We canceled an extended warranty on an RV loan we have with BMO Harris Bank. The dealer sent BMO the check for {$3900.00}. The check was cashed but never applied to our account. After XXXX attempts they can not find the payment.

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 2024-01-24 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

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 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 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. 
JPMCB CARD Under dispute Date opened XX/XX/XXXX Balance {$6000.00} Status Account charged off. {$6000.00} written off. {$6000.00} past due as of XX/XX/XXXX. 
XXXX ( VIOLATION ) OUTDATED INFORMATION/ NOT VERIFIED INFORMATION. 15 usc 1692c 15 usc 1692g ( b ) JPMCB CARD Under dispute Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
XXXX ( VIOLATION ) OUTDATED INFORMATION/ NOT VERIFIED INFORMATION. 15 usc 1692c 15 usc 1692g ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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 regularly monitor my payment schedule and take proactive measures to ensure payments are made on time on this accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request you to ensure that my account status is promptly updated in my consumer report. Accurate reporting is crucial for maintaining a positive credit profile, and I appreciate your assistance in 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 2024-01-24 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: GA

Complaint narrative:
I regularly monitor my payment schedule and take proactive measures to ensure payments are made on time on this accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request you to ensure that my account status is promptly updated in my consumer report. Accurate reporting is crucial for maintaining a positive credit profile, and I appreciate your assistance in 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 2024-01-24 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. I disagree with the decision as this debt is not mine, and I should not be held accountable for someone else using my information. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. * Defamation, financial injury- US Court of Appeals, XXXX Circuit, No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, June 9, 1997 Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I lost my source of income in XXXX. I have XXXX bills and a roof to keep over my head. I am experiencing an hardship at this point. I have requested for WellsFargo to place a pause on my account temporarily until I regain employment. I was denied.

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