vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: IL

Complaint narrative:
Not sure why this happened because I have had medical coverage forever so I'm not sure I haven't been able to get my report yet from the 3 companies! I am sure that I can take care of other things on my report if I can have them plz

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 2024-07-14 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:
Upon reviewing my online Transunion and XXXX credit profile I noticed several errors and fraudulent information including addresses that are not in association with me, name that does not belong to me the living entity as well as over 15 inquiries that I have no knowledge of. 
I requested in good faith to have these items removed with XXXX directly online and also contacted transition as well as filed a ftc report. The inquiries are as followed XXXX XXXX XXXX XXXX XXXX ( reporting online to both XXXX and Transunion inaccurately ) -I have no knowledge of this account XXXX XXXXXX/XX/year> ( reporting only to Transunion inaccurately ) XXXX I have no knowledge or record of this account XXXX  again XX/XX/year> ( reporting only to Transunion inaccurately ) - I have no knowledge or record of this account XXXX XXXX XX/XX/year> reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XX/XX/year> reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XXXX  XX/XX/year> reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XX/XX/year> XXXX reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XX/XX/year> ( reporting only XXXX XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX again ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX XXXX ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XX/XX/year> ( reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XXXX XXXX ( reporting only to XXXX inaccurately ) -I have no knowledge or record of this account XXXX again XX/XX/year> ( reporting to both XXXX and Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX again XX/XX/year> ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX XX/XX/year> ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX  XXXX XX/XX/year> ( reporting only to XXXX inaccurately ) - I no knowledge of this 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 non-monetary relief
Consumer complaint received 2024-07-14 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: AL

Complaint narrative:
Request for Re-Investigation of Credit Report Discrepancies I am writing to formally dispute the accuracy of certain items that REMAIN on my credit report despite an PRIOR investigation. I request that these items be Re-investigated immediately, as their inaccuracies are significantly detrimental to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In compliance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the disputed information. This will allow me to follow up directly. 

Additionally, please send me an updated copy of my credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter. 

Also Ive attached the necessary documents to prove my identity and avoid any delays in this significant process.

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 2024-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
Genesis keeps harassing me and my family regarding a debt from XXXX XXXX, despite my having moved out over XXXX  years ago. During the onset of COVID-19, the original management company sold XXXX to XXXX, XXXX with my departure from the apartment in XX/XX/XXXX. I notified the management 60 days in advance via email and returned the keys to the leasing office on my chosen move-out date. Additionally, I paid XX/XX/XXXX 's rent in full and hired a cleaning service to ensure the apartment was left in good condition. Surprisingly, my entire security deposit was not refunded or applied towards move-out fees ; it simply vanished. Frustrated, I gave up trying to resolve it. 

Now, XXXX years later, Genesis claims I owe money for the apartment and has sent me to debt collection. This is fraudulent, and I refuse to pay for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX. I trued to send $ to my husbands chime account with the pay anyone feature. They said it was suspicious. Ive sent money to him in past never a problem before. So they sent me to fraud department. They asked all of my personal information. And when asked to provide state id. I dont have 1 at this time. So they signed me out of my account on my phone in chime application. I went to get state ID it will take 4-6 weeks to arrive. I even tried ordering A new card and activating that, but they still said I cant activate my new card that came to my address associated with my chime card even though I called them on the phone that was associated with my Chime account and answered all my personal information questions and the end I was hung up on 3 times. I feel this is unfair. Ive had this account since 2012 never have I provided my ID. I want my money! I did nothing wrong for them to hold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: GA

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-07-14 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: GA

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion repeatedly states they have verified the public record information on my credit report via the courthouse or XXXX XXXX. The court doesn't verify this information. XXXX XXXX has removed the information because it couldn't be verified.

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 2024-07-14 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: GA

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-07-14 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am for the last time, demanding that you remove the said account from my credit reports or else I will leave me with no choice but to commence a lawsuit for harassment and the interference with my livelihood.To date you have not provided me with any documents clearly showing that the creditor has a valid case against me and yet you decide to retain this negative item on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc.
State: VA

Complaint narrative:
The original debt of {$68.00} with XXXX  was paid on XXXX at a local XXXX store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: GA

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-07-14 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: GA

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: CT

Complaint narrative:
Received XXXX XXXX Cards I did not request from CASH APP. I do not have a cash app account and wanted to know the balance and how long they have been open. The customer service rep was obstinate and refused to put me in contact with a supervisor and proceeded to tell me my case was closed with no real resolution as to why we received the cards or the information they possessed. 

To resolve the issue they requested I send more personal information and pictures of the cards, so they could " close '' the accounts. Therefore making customer service useless and the whole experience very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: GA

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have disputed this information with Experian. Experian reports that it has been verified. I spoke to a representative and they attached my documentation to re-dispute. The item still came back as verified.

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 2024-07-14 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 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 for the account : XXXX ending XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i refinanced my mortgage to pay off debt. the company issued me 10 checks to pay the creditors 8 of the debtors posted the checks, some even sent me refunds for over payment. however capital one which i had 2 accounts did not post the payments. claiming they lost the checks, so i had to void the first 2 and send 2 more to replaced what they lost. i resent new checks with tracking which i paid usps for. they recieved those checks stating they have 7 to 10 days to post. in the mean time wanting me to pay payments and late fees, however if they would have posted the first set of checks the would haved owed me.their refusel to post my payments is an attempt to collect payments and fees i should not be responsible for. out of 10 checks mailed the 2 capital one checks are a problem they even reported late payments to the credit breau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive filed a claimed with Chase.com in regards to fraudulent transactions. Possibly someone who originally helped me open my checking account has connected their XXXX account and was make small transactions in the very beginning that I was unaware of because I didnt receive my first deposits until XXXX from FEMA after our home was affected by a storm. Which that person then continued to make transactions on my account but this time taking my funds. Ive provided chase with proof that it isnt my account that was linked and proof of my actual XXXX account. Ive since removed and or blocked any linked services from my chase app that I didnt know about. This has caused my family to lose so much as far as being unable to pay bills.

Company response to consumer: Closed with explanation