vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX are XXXX liar agents at Bank of America who unilaterally closed my previous case without informing me. They acted dishonestly and deserve to be fired.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  checking my credit report I noticed an erroneous amount of errors and inaccurate information reporting on my credit report. It is evident that this is a debt buyer collection agency. That is randomizing what innocent person they can attach all there bought debts on. XXXX they may be possible hackers behind a major data breach that took place during that time. Just added random people names to there database since they are more than like behind the scamming of the data breach. According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX XXXX XXXXXXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form. Please reference upload for verification of inaccuracy to assist with account deletion Account name-Different from original Terms - 1 months ( Plural ) Type - Collection Balance- {$2000.00} Date opened - XX/XX/year> Date of status - XX/XX/year> Responsibility - joint Comment History- Screenshot upload Balance History- Screenshot upload Account History- Screenshot upload

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 2024-08-17 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information that has been reported on my credit report by XXXX. Specifically, I am disputing the reporting of my personal transactions which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

1. Violation of FCRA Reporting of Personal Transaction Information Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) **, credit furnishers are required to report accurate and relevant information to the credit bureaus. Personal transaction details are not intended to be reported to the credit bureaus, and the inclusion of such information is a clear violation of the FCRA. This unauthorized sharing of my personal transaction information with credit bureaus infringes on my privacy and does not adhere to the standards set forth by federal law.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information that has been reported on my credit report by XXXX. Specifically, I am disputing the reporting of my personal transactions which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

1. Violation of FCRA Reporting of Personal Transaction Information Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) **, credit furnishers are required to report accurate and relevant information to the credit bureaus. Personal transaction details are not intended to be reported to the credit bureaus, and the inclusion of such information is a clear violation of the FCRA. This unauthorized sharing of my personal transaction information with credit bureaus infringes on my privacy and does not adhere to the standards set forth by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information that has been reported on my credit report by XXXX. Specifically, I am disputing the reporting of my personal transactions which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

1. Violation of FCRA Reporting of Personal Transaction Information Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) **, credit furnishers are required to report accurate and relevant information to the credit bureaus. Personal transaction details are not intended to be reported to the credit bureaus, and the inclusion of such information is a clear violation of the FCRA. This unauthorized sharing of my personal transaction information with credit bureaus infringes on my privacy and does not adhere to the standards set forth by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a text message from collection company stating, Greetings XXXX! 

Welcome to XXXX. XXXX XXXX XXXX has asked us to reach out to you regarding acct #XXXX  We're eager to provide you with the most XXXX  account resolution experience imaginable. Visit our friendly portal to make a payment or create your own payment plan. 

Adler Wallach & Associates XXXX XXXX On XX/XX/XXXX, I contacted the toll free number and was told that I owe the medical facility {$21.00} for services that I received on XXXX/XXXX/XXXX. I explained that I never received a single bill from the XXXX XXXX XXXX regarding the amount owed. 
On XX/XX/XXXX, I contacted my medical insurance, XXXX who informed me that my insurance was active during XXXX and they reached out to the collection company and to XXXX XXXX. XXXX stated, XXXX XXXX explained that the collection was sent in an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NM

Complaint narrative:
I sent a debt validation request to the following company on XX/XX/year>. 

TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I sent the following, as I have not received any debt validation/verification. To date ; I still have not received any validation or verification on this account. 

" On XX/XX/year>, I sent a request for debt validation as per my rights under the FDCPA for debt XXXX XXXXXXXX date, I have not received any validation of this debt from your agency. 

According to the Fair Credit Reporting Act ( FCRA ), if a debt collector fails to provide validation of a debt within 30 days of receiving a validation request, they must cease collection efforts and are prohibited from reporting the debt to any credit reporting agency.

Therefore, I kindly request that you : 1. Immediately cease all collection activities regarding this alleged debt. 
XXXX. Delete all tradelines related to this account from all three major credit reporting agencies : XXXX, XXXX, and XXXX. 

Please confirm in writing that you have taken the necessary steps to comply with this request. ''

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 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
We had a project being completed at our XXXX, when we received a " fake '' email representing the company we were doing business with. This fake email address was the same as the valid company email address except the letter " XXXX '' was added to the end of the address before the ( XXXX ) It also included all the logos and salutations at the end of the email just the real one. After requesting an ACH payment, which we were unable to do because of the amount, the fake company sent over information for a wire transfer. It had the name of the company we were doing business with the wire transfer information. We wire-transferred the money on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX, the fake company sent an email saying their bank account at USAA bank was frozen for being overdrawn. They wanted to know if we could ACH them the money again. I told them the money was sent and until we get the funds returned, we would not send any more money. I contacted XXXX XXXX XXXX  to ask for a refund of the money. We thought it odd ; they kept asking for the money to be sent again and by ACH. We eventually contacted someone at the real company, and they said the emails had not come from them. I contacted XXXX XXXX XXXX  again to let them know the receiving account at USAA Bank was a fraudulent account and to let USAA bank know about it. XXXX XXXX XXXX said all they could do was send them a notice requesting the fund be returned and to inform them their account was fraudulent. I contacted USAA bank, and they were no help in the matter. Since I did not have an account with them, I was not the owner of the fraudulent account, and they could not provide any information to me. All I wanted to know was if they knew the account was fraudulent and if the money had been released. They would not provide that information to me. 
It was very frustrating, not being able to talk with a person about the matter directly, and working through XXXX XXXX XXXX  was no help either. After a month, on Monday, XX/XX/year> USAA Bank informed XXXX XXXX XXXX  that they would not return the funds because the owner of the fake account would not return the funds. I still do not know if USAA bank knows they let a fraudulent account be set up at their bank and allowed money to be transferred to that fraudulent 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 explanation
Consumer complaint received 2024-08-17 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am writing to formally complain about American Express 's continued reporting of a fraudulent account on my credit report, despite my prior request to cease this activity. This account was opened without my consent as a result of a data breach, making me a victim of identity theft. Although the account was initially removed, American Express continues to report it, which is not only illegal but also a violation of my rights under the Fair Credit Reporting Act. I demand that American Express immediately stop reporting this account and that XXXX ensures its permanent removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: MD

Complaint narrative:
I am disputing the inaccuracies reported on my credit report, asserting that your agency, as a nonaffiliated third party, has violated several federal statutes. 

Nonaffiliated Third Party Violations : 1. Your agency, as a nonaffiliated third party, failed to notify me of your information-sharing practices and did not provide an opportunity to opt out before sharing my nonpublic personal information ( NPI ). This is a violation of 15 USC 6802.

2. Financial institutions are required to protect the confidentiality and security of consumers ' NPI. This is a violation of 15 USC 6801 ( b ).

Reporting and Accuracy Violations : 3. Under the Fair Credit Reporting Act ( FCRA ), you must ensure maximum possible accuracy of the information reported. This is a violation of 15 USC 1681e ( b ).

4. You are required to conduct a reasonable reinvestigation of disputed information. This is a violation of 15 USC 1681i.

5. Furnishers of information are required to provide accurate data. Your agencys failure to ensure the accuracy of reported information breaches this obligation. This is a violation of 15 USC 1681s-2 ( a ).

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have contacted XXXX  transunion and XXXX about this account nothing has been done the information across all three companies is different. I have asked for investigation and re-investigation and they are not investigating the 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted XXXX  XXXX  and equifax about this account nothing has been done the information across all three companies is different. I have asked for investigation and re-investigation and they are not investigating the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: Self Financial Inc.
State: MO

Complaint narrative:
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Back in XXXX many unauthorized charges we made to my account with credit karma. Informed them of this the XXXX week it happened. They were international charges. they told me to file a dispute on each transaction. So I did and locked my cards. The fallowing week on my pay day I sat at a golf outing for work and watch as some hackers kept charging my account again even though my cards were locked and credit karma was awear of the situation. They did nothing except tell me to file a claim and this time froze my account this resulted in 22 claims I had to file plus be broke because even I couldn't access my account. I had bills to pay that I could not. Had to take a loan out to get buy because it took them 3 weeks with me calling ever day til I could get my funds back. It was over {$700.00} in cash. But even more with late fees I had to pay and a loan I had to talk out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NY

Complaint narrative:
Upon review of my credit report I noticed multiple inquiries that were not authorized by me. I have included the fraudulent inquiries below as well as my Identity theft report XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: Happy Money, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
CFPB, I noticed on my consumer report there's 9 addresses that are listed on my report that I never lived at. I tried to take care of this matter with Equifax on nommorous occasions and I'm not happy about this.

Company response to consumer: Closed with non-monetary relief