vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXSubject : Dispute of Unauthorized Credit InquiriesDear Equifax XXXX I am writing to formally dispute several unauthorized and inaccurate inquiries that appear on my credit report. These inquiries were made without my consent and are causing harm to my credit score.Below are the details of the unauthorized inquiries : 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 XXXXThese inquiries were not authorized by me, and I did not initiate any contact with these companies. I have reported these instances to the Federal Trade Commission ( FTC ) and have attached a copy of my FTC Identity Theft Affidavit and police report number XXXX, with FTC Report Number XXXX, for your reference.According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. While I understand that inquiries are generally retained for two years, unauthorized inquiries should not remain on my credit file. These entries are neither factual records of my file access nor did I consent to them.I request that you conduct a thorough investigation into this matter and remove these unauthorized inquiries from my credit report immediately. Please provide me with written confirmation of the removal of these inquiries.Thank you for your prompt attention to this serious matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address listed above.I have included my two forms of verification My FTC identity theft report XXXX and police report number XXXX Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: NM

Complaint narrative:
I did not give XXXX XXXXXXXX XXXX XXXX on XX/XX/year> permission to pull my credit report. This is a fraud inquiry on my XXXX 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 explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
In prior complaint, I detailed reporting unauthorized access to my account, and an unauthorized withdrawal for {$9900.00}. I ultimately ended up working with XXXX XXXX XXXX where someone opened an account in my name, to get the withdrawn funds back to my Credit Karma account. Thankfully this worked, but no thanks to Credit Karma. 

In response to my first CFPB complaint, Credit Karma made false statements and misconstrued events in order to distract from its own failures to follow federal laws regarding electronic funds transfers. They lied about detecting the fraud first. I detected a withdrawal that I didn't recognize and reported it. They lied about waiting on me for information and documents for a week, where in actuality I was emailing everyday for updates and being told to wait. They failed to ever share any details of the investigation with me. They tried to get me ( twice ) to sign indemnification agreements protecting the bank and making me responsible for everything, just for them to investigate the transaction. 

SUMMARY : Credit Karma deliberately obfuscates and lies in its response to the CFPB to cover for violations of federal law and a complete lack of internal controls and oversight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: UT

Complaint narrative:
I had both a personal and a business account through Wise.com to send and recieve funds from overseas, as well as to send domestic payments. I have been using this service for over a year and I had also created a XXXX ( XXXX ) account to recieve payments. I have sent over XXXX payments to vendors and personal contacts for over a year without any problems. I have a customer who I thought was based in XXXX who said they would send me XXXX for a payment for product they purchased. They sent the roughly {$26000.00} USS worth of XXXX to the XXXX account I had opened with WISE.com but rather than process the payment Wise sent me an email saying this transaction was from a XXXX company which of course is banned from trading with US companies due to the war in the XXXX. 

I didn't recieve the funds and they returned the money to the XXXX bank account. Imagine my suprise when Wise closed my account without warning for a 3rd party simply trying to send me funds. I never got the funds and I didn't do anything wrong. 

I am now having real trouble sending funds abroad due to this issue. I really want to continue to use their service and asked them to close the XXXX account I had set up and just let me continue to send funds. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: NM

Complaint narrative:
I did not give XXXX XXXX XXXX on XX/XX/year> permission to pull my credit report. This is a fraud inquiry on my XXXX 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 explanation
Consumer complaint received 2024-07-07 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: MN

Complaint narrative:
Date of Inquiries : XXXX -Experian XX/XX/XXXX -Experian XX/XX/XXXX -Experian XX/XX/XXXX -Experian XX/XX/XXXX -Experian XX/XX/XXXX -Experian Date of Inquiries : XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX of Inquiry XXXX XX/XX/XXXX -XXXX I am unaware of these Inquiries on my credit report 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 2024-07-07 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: NM

Complaint narrative:
I did not give XXXX XXXX on XX/XX/year> permission to pull my credit report. This is a fraud inquiry on my XXXX 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 2024-07-07 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: PA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have a bankruptcy charge on my credit report that I noticed a few months ago, immediately after I noticed it I filed a dispute with Equifax and XXXX. The dispute came back saying i dud file the bankruptcy. On my credit report it states I filed bankruptcy on XXXX or XXXX I did not file bankruptcy. I then spoke with a bankruptcy attorney and he was able to give me the Atty name that filed the bankruptcy. Attorney XXXX XXXX XXXX XXXX. I tried several times to contact him but I got no return calls. As I spoke with another attorney he asked if I had ever lived multiple address that I had never XXXX of My current address is XXXX XXXX XXXX XXXX XXXX ohio I have lived at this for XXXX years and my prior address was XXXX XXXX XXXX XXXX ohio. I did not file this bankruptcy that is on my credit report. I have been turned down from banks while trying to get a loan. My rental lease is up.in a few months and I can not get a apartment rental with a bankruptcy on.my credit report .This is completely stressing me out. My SS XXXX, Please help me with this matter Thank you my cell number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
From : XXXX XXXX Account Number : [ Your Account Number ] Dear Chase Bank Customer Service, I am writing to file a formal complaint regarding two charges on my Chase credit card related to a recent stay at XXXX XXXX  of XXXX XXXX. The details of the charges are as follows : XX/XX/year> : XXXX  XXXX NV {$130.00} XX/XX/year> : XXXX XXXX XXXX XXXXXXXX NV {$340.00} During my stay, I was unjustly removed from my room due to a mishandling of my registration by the hotel staff, resulting in significant inconvenience and additional expenses. 

I initially disputed these charges with Chase and was requested to upload a supporting letter detailing the incident. I complied with this request and provided all necessary documentation. However, there was an error in the process, and the dispute was not reopened, leaving me with these charges on my account. 

Chase 's dispute manager acknowledged the error and provided a {$100.00} credit as compensation. While I appreciate this gesture, I do not believe it adequately addresses the inconvenience and financial impact I have experienced due to this incident. 

Therefore, I am requesting Chase to reconsider the dispute and take the following actions : If any information is needed regarding this, please send me an email or give me a call. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

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 2024-07-07 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: NY

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. 

Accounts : XXXX XXXX  # XXXX / XXXX  # XXXX/ XXXX # XXXX / XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX  # XXXX have 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 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 2024-07-07 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: MN

Complaint narrative:
Date of Inquiries : XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  Date of Inquiries : XX/XX/XXXX -Transunion XX/XX/XXXX -Transunion XX/XX/XXXX -Transunion XX/XX/XXXX -Transunion Date of Inquiry XXXX XX/XX/XXXX -XXXX I am unaware of these Inquiries 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 explanation
Consumer complaint received 2024-07-07 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: MN

Complaint narrative:
Date of Inquiries : XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  Date of Inquiries : XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX of Inquiry XXXX XX/XX/XXXX -Equifax I am unaware of these Inquiries on my credit report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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:
My name is XXXX XXXX XXXX XXXX On XX/XX/2024, I submitted a dispute regarding an inaccurate account on my credit report to TransUnion. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to investigate and respond to my dispute within 30 days. However, TransUnion did not respond to my dispute until XX/XX/2024, which is beyond the mandated 30-day period. 

ACCOUNT DISPUTED WAS XXXX XXXXXXXX XXXX  The delay in response has caused me significant inconvenience and potential harm to my financial standing. I believe this delay constitutes a direct violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES. They did not provide me with the original contract as I requested. This must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

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 2024-07-07 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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:
My name is XXXX XXXX, I am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts and incorrect address appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: PA

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. This must be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
this is my 2nd attempt sending letters XXXX, to the CRA 's XXXX, EQUIFAX, AND XXXX about reporting inaccurate information on my credit report.i have informed them of the inaccurate information, per 15 usc 1681s-2b and they have not deleted it which is a violation of the FCRA. I am requesting that they delete the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this is my 2nd attempt sending letters XXXX, to the CRA 's XXXX, XXXX, AND EXPERIAN about reporting inaccurate information on my credit report.i have informed them of the inaccurate information, per 15 usc 1681s-2b and they have not deleted it which is a violation of the FCRA. I am requesting that they delete the information 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 2024-07-07 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: FL

Complaint narrative:
this is my 2nd attempt sending letters XXXX, to the CRA 's TRANSUNION, XXXX, AND XXXX about reporting inaccurate information on my credit report.i have informed them of the inaccurate information, per 15 usc 1681s-2b and they have not deleted it which is a violation of the FCRA. I am requesting that they delete the information 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