vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
I hope you're doing well. I'm writing to talk about an issue I found in my credit report. My name is XXXX XXXX XXXX, and I noticed that some of my personal information was shared with another company without my permission. I think this goes against the law that says you can't share someone's personal info without their say-so. 

I read about the rules ( 15 U.S. Code 6802 ) that say my personal info should be protected, but it seems like that didn't happen. The Fair Credit Reporting Act ( FCRA ) also gives me the right to control who gets my info, and it looks like my info went to someone who isn't connected to your company. This worries me because I didn't get a chance to say no, like the law says I should. 

Just to be clear, I don't have a problem with the companies I owe money to. My concern is with your company for sharing my info without checking with me first. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal info. I never gave that permission, so I need you to prove that I said it was okay. If you can't, it might mean you broke the rules of the FCRA. 

I already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried this might be a kind of identity theft ( 18 USC 1028a ).

I'm officially asking you to take these accounts off my credit report in the next four business days : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX I also want you to remove these unauthorized inquiries in the same time frame : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/2023 XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  - Inquiry date XX/XX/ I have the right to fair and accurate credit reporting, and fixing these mistakes is important for my credit report to be correct. 

I also need you to show me how you checked that the information you have is right and that I had a chance to say no to it. This is important to make sure credit reports are fair and accurate. 

I hope we can sort this out quickly, within the four business days I mentioned. If not, I might have to take legal action. 

Thank you for looking into this right away.

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 2024-01-11 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to revisit the matter of my filed complaint concerning the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to revisit the matter of my filed complaint concerning the following accounts : 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

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 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am reaching out regarding a Fraud-claim dispute I opened with Account Holder XXXX XXXX Properties regarding a check they issued me in refund for an application fee. Here is the following information I have gathered : XXXX. The check for {$200.00} was mailed & deposited to my previous address in XXXX XXXX NJ on XX/XX/XXXXXXXX XXXX XXXX. The check was deposited into a Chase bank on XX/XX/XXXX. 
XXXX. The XXXX # was XXXX I never received this check & reached out to the Merchant/Account Holder to raise these concerns and open a dispute claim. I was told they would get in contact with their Accounting Dept. A month later, the only information that I have received is that the check was deposited into a Chase Bank account ( which I do not possess ). I reached out to Chase Bank to see if I could receive any information about the account the check was deposited into & was told they could not relay the account information to me since I was not a customer with them. 

Additionally, I am also trying to dispute things with the Merchant 's bank XXXX XXXX XXXX  XXXX XXXX XXXX  who produced the check. So far no one has given me any definitive information about who cashed the check that was addressed to me & how I can get my funds properly returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: SC

Complaint narrative:
This consumer reporting agency has failed in their obligation to limit the reporting on a consumers consumer report in the purposes listed under section 1681b.

The law states 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users 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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

I have asked for verifiable documentation of permissible purpose as stated in 15 U.S.C. 1681b and they failed to provide me with such documentation.

The law states if no such documentation can be provided all accounts listed below must be deleted if such documentation cant be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX 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 2024-01-11 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: FL

Complaint narrative:
Unauthorized hard inquiries were placed on my credit report on the below dates 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 2024-01-11 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:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: AL

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-12 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: HW Holding, Inc
State: TX

Complaint narrative:
I received a notice of collection from a debt collector. I responded via their terms that i did not recognize the debt as mine and requested validation of this debt. They gave no proof that the debt belongs to me and continued to attempt to collect the debt and report it to the credit bureaus. This is bad practice, collections should have been ceased until i was provided proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
On XX/XX/2023, while on vacation in XXXX XXXX, I purchased a vacation club membership from XXXX XXXX XXXX XXXX. For the purchase I used four different credit cards and the rest was put on a new credit account ( {$4000.00} ) through Barclays Bank in XXXX DE. 
After doing some research on the vacation club I decided that this was not a good purchase for me and under XXXX consumer protection act I had five business days to return the club membership. 
I returned to the office XXXX XX/XX/XXXX and had everything credited back to my accounts. However at the time Barclays Bank had not processed the account yet. 
XXXX XXXX XXXX XXXX XXXX up a letter stating that I had terminated the purchase agreement and returned all of my charges. 
After returning back home I called all of my credit lenders stating that I had terminated the agreement and that they should be removed. After the investigation all charges were removed except for Barclays Bank. 
After receiving my account information I called them ( Fraud dept. ) immediately to let them know that this account should not have been created. At the time I did not realize it was going to be an issue so I did not write down the actual date. I called again about three weeks later and they said it was still under investigation. I waited another three weeks and made another call and the representative suggested I speak to the charge dispute dept. 
Upon speaking with them they requested any information that supported my claim. I faxed them the letter stating that I had terminated the agreement that was written by XXXX XXXX. 
About 2 months later I received a letter stating that my claim was declined because it was past their 90 day policy. They suggested I reopen the claim and fax any relevant information to support my claim. I did as requested and received the same letter about a month later. 
I called them back again and they refused to help me any further because the company policy states they can not support a claim past 90 days. I informed them that I did call before that 90 day window, I was just put in the wrong dept. For claims processing. The representative said they can see that I filed a fraud claim on my account but was not able to help me any further and suggested I take them to court despite sending them receipts and a letter from the actual company making the initial charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to revisit the matter of my filed complaint concerning the following accounts : -- -- -TransUnion 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 XXXXXXXX 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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: HireRight Solutions, Inc.
State: VA

Complaint narrative:
I recently was offered employment with XXXX on XXXX  XX/XX/XXXX my background check was done and everything came back correct except for my education information. I attended XXXX XXXX XXXX in the years XXXX I have been having an issue getting my exact completion with the school for years due to this issue when applying for a job it state I have not completed XXXX XXXX  but in XXXX of XXXX I attended XXXX XXXX and was told that I had enough credits and completed my XXXX grade year. Due to this issue I also completed a XXXX  program in XXXX of XXXX for XXXX XXXX I am currently trying to get my information as XX/XX/XXXX from a now closed online XXXX  program ( I can not remember the exact name at this time ) to provide to hire right to fix this ongoing issue about my XXXX. I have requested my transcript and I am currently waiting its arrival.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a wire transfer from my XXXX account to XXXX XXXX account with Citibank as the intermediary. Due to a typo there was an issue with the wire and it was returned by Citibank with {$40.00} missing. 

I reached out to XXXX who refunded all of my outgoing fees, but said this {$40.00} was an unauthorized fee by another bank. 

I reached out to XXXX, who never saw this wire and, therefore, said they are not a party to this transaction. 

I reached out to Citibank, who absolved themselves of any responsibility because they claimed to be only an " intermediary, '' and I am not their customer. 

After further research with XXXX and XXXX, they both confirmed that Citibank had taken this fee. 

Citibank has essentially stolen this money from me, and I would like it returned with interest. 

Proof of this is included as attachments.

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 2024-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I opened an Upgrade Performance Savings and Rewards Checking Plus account in XX/XX/XXXX. I deposited money into the XXXX XXXX account. In XX/XX/XXXX, I tried to withdraw my money via wire to an external bank account. I called the company to check and they said the first wire is free. The did the wire online. The following day, an Upgrade representative called me to verify the wire. I provided my details and they said they successfully approved me and the wire. The day after that, I woke up to all my Upgrade accounts " suspended '' and I was unable to access my funds at all. On the account, it says " Your deposit account ( s ) are suspended. Please call us at ( XXXX ) XXXX for more information. ''. I called the number twice in the following week, and both times the rep on the phone said they had no visibility into the situation and no details as to why my account was suspended, and I just had to wait for an email. It is now XX/XX/XXXX and no email has arrived and the reps on the phone have no further information. I am at an absolute loss and have no way of accessing this money or getting an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NC

Complaint narrative:
Initially I had a hard inquiry on my credit report from XXXX XXXX on XX/XX/2023 when someone used my identity to try to start a line of credit with them. I was able to speak with XXXX XXXX and after a few weeks they sent me a letter stating the application was fraudulent and they would be sending out a letter to the credit bureaus requesting deletion. After this happened I put a credit freeze and fraud alert on all 3 of my accounts with the credit bureaus. Now on XX/XX/2023 the name of the inquiry has changed to XXXX XXXX XXXX XXXXXXXX XXXX, it has the same date as XXXX  XXXX and everything. Soon as XXXX XXXX sent me the letter stating it was fraudulent the name of the inquiry changed but with the same date. I dont know how this company magically appeared on my credit report when I have it frozen and a fraud alert on it. It only showed up on my XXXX and Transunion as XXXX had removed the fraudulent hard inquiry from XXXX XXXX XX/XX/2023. Im not sure why a new name is popping up on my inquiry list for the exact same date. I spoke with the XXXX XXXX XXXX XXXX in XXXX NC, and a guy named XXXX, the finance manager said they hadnt pulled my credit and I wasnt in their system, yet theres a hard inquiry on both my XXXX and Transunion stating otherwise. He told me that he couldnt give me a proof of deletion letter as that would be admitting they pulled my credit when they didnt. Yet theres is proof that I showed them via email, where their companys name is on my credit report under hard inquiry. I have not given this company or any company to pull my credit. I am not sure what is going on, I thought everything was handled when XXXX XXXX sent me the letter admitting it was a fraudulent pull, now this inquiry has popped up XXXX weeks later but with the same date as the XXXX  XXXX XX/XX/2023, but now the XXXX  XXXX inquiry is magically disappeared with no letter from either credit bureau stating a removal, only thing happened was a change of name.

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