vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute a series of unauthorized and disturbing credit inquiries that have devastatingly appeared on my credit reports from XXXX, XXXX, and TransUnion. These inquiries were made by companies I have never heard of and did not give permission to access my private credit information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am absolutely certain I did not apply for any credit products with these companies, nor did I authorize these inquiries in any manner. This appears to be a case of potential fraud or identity theft that is already doing severe damage to my credit score and financial life.

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, credit bureaus are prohibited by federal law from providing my private credit report information without a legitimate, authorized purpose stemming from my own application and approval. These unauthorized inquiries violate the FCRA.

Furthermore, 15 U.S.C. 1681i of the FCRA requires that your agency immediately conducts a reasonable investigation into these disputed inquiries and removes any that are found to be inaccurate, incomplete, or unverifiable from my credit file. The existence of these illegitimate inquiries casts doubt on the entirety of my credit report and its accuracy. 

I am extremely distressed over the impacts these unauthorized inquiries are having on my credit standing and the potential identity theft implications. Every day these derogatory inquiries remain on my report is causing irreparable harm. I demand that your agency immediately investigates per the FCRA and removes any inquiries found to be fraudulent or inaccurate without any further delay. 

Please protect my good name and credit standing, which I have worked so hard to maintain responsibly. The urgency of this matter can not be overstated. I am counting on your agency to enforce my rights.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I closed an account with BMO over a year and a half ago. The bank kept the account open and is charging me overdraft fees every month.

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 2024-04-23 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: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting. 


Also they responded wit a little. I sent them a letter wit a copy of the paper that was sent to me in which gon na attach it here as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
With 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. 

Diversified 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 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 of items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by XXXX 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 2024-04-23 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:
With 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. 

Diversified 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 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 of items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-24 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: IL

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

Company 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 2024-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I was stranded at the airport and needed a last minute flight to replace a canceled flight. It was XXXX XXXX and there was no customer service around. I tried buying a ticket on my phone, but the payment method did not go through, so I tried with affirm, which also did not work. I had to wait until staff came at XXXX XXXX and purchase a ticket directly with them by credit card at the terminal. However, Affirm proceeded to charge me for not one but TWO tickets anyway, tickets that I never received from them, and the loan was only approved three days AFTER the flight. How do you sell someone a ticket for a flight 3 days in the past? I tried calling to get the charges cleared and their customer service refused to do this. The air carrier can not refund without a ticket number, and I never received the tickets. This ruined my vacation. Affirm wont relent in insisting on charging me for non-existent tickets. Ive had to spend hours on the phone dealing with this and it is still not resolved. 

The flight was for XX/XX/XXXX purchased XXXXXXXX XXXX that morning for a XXXX XXXX  departure. The ticket was {$260.00} and was paid with a XXXX XXXX card at the terminal. Affirm is charging me for the sum of XXXX additional non-existent tickets for a total of {$550.00}. Their customer service refused to cancel these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, 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 2024-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
I deposited {$4000.00} in funds into a bank account and the funds were inaccessible for nine business days due to a hold. When calling the bank, XXXX refused to remove the hold or allow me to access my money and told me that I agreed to the disclosures, which were over a XXXX pages long and very confusing to read.

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 2024-04-23 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: FL

Complaint narrative:
With 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. 

Diversified 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 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 of items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 2024-04-24 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-24 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-04-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have wrote letters to the companies and the bureaus asking them to remove all inaccurate information reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

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 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I would like to start off by saying that NATIONAL CREDIT SYSTEMS INC is not licensed to collect debt in Louisiana. I have not consented to, authorized, nor benefitted from this account appearing on my credit report. National Credit Systems is using unlawful, extortionate means to commit abusive, deceptive, and unfair debt collection practices. I am not liable for this debt and I do not have a contract with National Credit Systems Inc. National Credit Systems has not provided me with the original trilateral contract as requested between I, the consumer, National Credit Systems Inc , and the original creditor, to show I have any contractual obligation to pay this alleged debt. I am demanding that National Credit Systems Inc cease all forms of communication with me through any and all mediums unless it pertains to my remedy. My credit report is also considered a medium. I am demanding deletion of collection tradeline from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This letter serves as a formal complaint regarding my experience with Chase Bank 's handling of unauthorized account activity on my checking account. 

On XX/XX/XXXX, I discovered unauthorized charges on my Chase account. I immediately contacted Chase Bank 's customer service department and filed a formal fraud claim. During this communication, I meticulously reported each unrecognized transaction for investigation. 

It is important to note that I have been a loyal Chase Bank customer since XXXX and currently operate a small business, relying heavily on the security of my account. 

On XX/XX/XXXX, I received a letter from Chase Bank stating that only XXXX of the reported unauthorized transactions would be credited back to my account. This resolution leaves a remaining deficit of {$2100.00} due to Chase 's inability to identify these transactions as fraudulent within their established systems. 

I immediately called Chase to understand their decision and their response was that their system was not able to identify the fraud. It is strange that it identified XXXX transactions and not the rest since all transactions occurred in XXXX, a place I have never been or have contact with. 

Furthermore, I requested to speak to a supervisor to have a better understanding and he said that I may be the one trying to defraud Chase!. After being a long standing customer for so long, and Chase knowing my purchase patterns and behaviors, to say that was insulting and extremely rude. 

This incident raises serious concerns regarding the efficacy of Chase Bank 's fraud detection protocols. The bank 's failure to identify and prevent these unauthorized charges exposes a vulnerability within their system, potentially impacting the financial security of numerous customers. 

I urge the Consumer Financial Protection Bureau to investigate Chase Bank 's practices in identifying and resolving fraudulent activity. Furthermore, I request a review of Chase 's fraud detection protocols to ensure sufficient measures are in place to safeguard consumer financial information and prevent similar incidents in the future. 

Thank you for your time and consideration. I am confident that the Consumer Financial Protection Bureau will take the necessary steps to address this matter and protect consumers from such occurrences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX WellsFargo acknowledged a dispute in writing for a service that was paid for, but not provided. On XX/XX/XXXX, Wells Fargo sent me a letter saying that they were submitting the dispute for arbitration with Visa. On XX/XX/XXXX, they re-charged my account {$450.00}. On XX/XX/XXXX, they postmarked a letter denying my dispute, saying that services were rendered. 

I asked for all documentation used to make this determination. WellsFargo sent 2 pages, one that was an itemized estimate that clearly states " approximate '' on it, and a receipt from my pre-payment for services. 

I asked WellsFargo how documents from before the service was expected to be rendered proved that service was actually rendered, and they were unable to provide a response; saying that they would investigate. 

I sent a formal appeal letting WellsFargo know that there no proof that services were rendered, that the merchant 's estimate clearly shows a refund is due, and that WellsFargo has long exceeded the two billing cycles that it is allowed to complete it's investigation, prior to re-charging me. 

My first billing cycle after acknowledgement of the dispute began XX/XX/XXXX, a second began on XX/XX/XXXX, and a 3rd began on XX/XX/XXXX. On XX/XX/XXXX, when the charge was re-authorized, it was already on the 4th billing cycle after the dispute was initiated. 

WellsFargo has been unresponsive and keeps telling me that they are continuing their investigation, while this charge remains on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief