vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Fraudulent Creditor 1 Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX 
The Account Number : XXXX Fraudulent Creditor XXXX Name : COLUMBIA DEBT RECOVERY Original creditor : XXXX XXXX Summary : Both above accounts are fraud due to identity theft. I have never had a XXXX XXXX XXXX  nor a XXXX XXXX. Please remove. I did not authorize anyone to use my credit or have any knowledge of this. 

Code 15 USC 1681 : 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer credit reports are accessed and protects the privacy of consumer information. 
Purpose Ensures that consumer reporting agencies ( CRAs ) are fair, accurate, and confidential Protects consumers ' right to privacy Promotes the efficiency of the banking system Maintains public confidence in the banking system What it covers The definition of a consumer report The procedures CRAs must follow to ensure accuracy The circumstances in which users can disclose consumer reports The permissible purposes for using consumer reports The rights of consumers whose information is communicated Who it applies to Credit reporting agencies, including XXXX, XXXX XXXX, and XXXX XXXX investigators, detective agencies, collection agencies, and more Federal, state, and municipal law enforcement agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MA

Complaint narrative:
In accordance with the fair credit reporting XXXX  account # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15U.S.C 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnisha account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MA

Complaint narrative:
In accordance with the fair credit reporting XXXX  account # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15U.S.C 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnisha account without my written instructions.

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 2025-02-07 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Starmark Financial LLC
State: MS

Complaint narrative:
Starmark Financial has been calling my job daily after being told not to. They stated they do not have my cell phone number and repeatedly nagged my employer and coworkers for it. They used mocking, making fun of someones laugh, trying to force them to give their names, etc. theyre rude, unprofessional, and never provided me with the debt because they do not have any info for me personally and just keep calling my job, which I personally told them not to along with my employer. They will not listen. He was demanding, pushy, and will not stop calling. It is embarrassing and is adding stress being scared my coworkers will pick up when they call next.

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 2025-02-07 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: CA

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I'm filing a complete against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices which violates the consumer financial protection act specifically cash out the failed to take timely and effective measures to prevent and address fraud on their platform leaving my information vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress of these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681. After reviewing my credit report, I found discrepancies and errors that require immediate correction. Different bureaus are reporting different information, and I request a proper investigation to remove inaccurate or unverifiable items.

According to FCRA 611 ( 15 U.S.C 1681i ), you are required to conduct a reasonable investigation within 30 days. Please investigate and remove the following negative items from my credit report : Charge-Offs 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 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 I have attached supporting documents to validate my claim. If any of these items can not be verified, I request their immediate deletion as required by law. Additionally, I request a fresh, updated copy of my credit report once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to your response within the legally mandated timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681. After reviewing my credit report, I found discrepancies and errors that require immediate correction. Different bureaus are reporting different information, and I request a proper investigation to remove inaccurate or unverifiable items.

According to FCRA 611 ( 15 U.S.C 1681i ), you are required to conduct a reasonable investigation within 30 days. Please investigate and remove the following negative items from my credit report : Charge-Offs 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 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 I have attached supporting documents to validate my claim. If any of these items can not be verified, I request their immediate deletion as required by law. Additionally, I request a fresh, updated copy of my credit report once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to your response within the legally mandated timeframe. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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 was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-08 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: MI

Complaint narrative:
Follow-Up Dispute of Inaccurate Bankruptcy Reporting To Whom It May Concern, I am writing to follow up on my previous dispute regarding the inaccurate reporting of bankruptcies on my credit report. I previously submitted a dispute, along with an official letter from the United States Bankruptcy Court for the XXXX XXXX of Michigan, which explicitly states that they do not report individual bankruptcy filings to credit bureaus. Despite this, my dispute was denied, and the inaccurate bankruptcy remains on 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 non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I was divorced 3 years ago. My ex-Wife continued to use the Big Lots Card that I was an Authorized user on. She became delinquent on the card. This is showing up on my credit report. I would like to have it removed off the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian, TransUnion and equifax According to the FCRA section 605B, it is illegal to report anything on my credit report without my permission. I have contacted and mailed these companies numerous times and requested to have these account investigated thoroughly. Without correspondence and computer generated results, my credit has suffered tremendously without proper help and unfulfilled legal request. I ask to please remove these negative items immediately. The accounts listed do not belong to me and I am victim of fraud. I have also submitted a fraud report and continue to be overlooked and denied my rights. Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: SC

Complaint narrative:
So basically it was this dude name XXXX that called my phone prior before the situation, he said he was a chime XXXX representative. He was telling me somebody was trying to make atm withdrawals from XXXX, which I dont live in XXXX I live in XXXX . He was telling me I can file a police report etc. at that point of time I wasnt missing funds so I didnt think nothing of it. So XX/XX/XXXX I got paid around XXXX and the same dude calls the exact time I got paid because its texts from like a chime verification number saying someone was trying to withdraw {$500.00} from my account. Like XXXX XXXX not having the knowledge knowing a bank not supposed to call you all I knew was to get bank so your check can get deposited. So he basically was on the phone saying he was a representative going to resolve this issue, Im like ok cool sounds good. Chime is not a walk in bank its an online bank Ive been with these guys since I was XXXX and never ran into this problem. So hes like were going to make a new account and transfer everything to the account, Im like okay cool. So he gets me to change the password to the one he gave me for my account but you got ta send a verification code first to my phone which hes getting me to do on the phone. The number hes calling me from is from chime thats what got me. So after I changed the password he then goes on the account gets me to send my money to this number like hes about to trans fer to a new account, logs me out overdrafts my spot me for {$40.00} and my XXXX for {$48.00}. So I call chime support telling them what happen, Ive talked to about 6 different members some of them was basically telling we cant do nothing about and we see no errors with all the information Ive gave them even the screenshots. Ive did a police report which got denied because its not there jurisdiction. Some of the members from chime I talked too were some what rude they didnt want to give me a cooperate number or a higher person that couldve helped me with this problem. Ive got bills to pay and they saying the {$900.00} thats wrongfully transferred out my account was no error so I want to file a complaint or even lawsuit on chime. I just want my money back I can pay my bills. Please get back to me asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
Complaint Letter to the Consumer Financial Protection Bureau ( CFPB ) Regarding USAAs Unauthorized CD Reinvestment Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the unauthorized reinvestment of my IRA CD by USAA Federal Savings Bank and their continued failure to release my funds despite multiple requests. 

Background of the Issue On XX/XX/year>, USAA sent me a notice confirming the maturity of my IRA CD and that action was needed by me to determine what to do. 
On XXXX XXXX I received a notice that the CD had been invested into a new CD On XX/XX/year>, I contacted USAA and explicitly informed them of my intention to withdraw the funds upon maturity. 
On XX/XX/year>, during the XXXX XXXX XXXX XXXX XXXX weekend, I unexpectedly received a notice that my funds had been reinvested into a new CD without my consent, at an interest rate significantly below market standards. 
I have since completed additional withdrawal request forms, yet USAA continues to withhold my funds, failing to honor my initial instructions. 

My Complaint 1. Unauthorized Transaction : USAA ignored my explicit instructions to withdraw my funds and instead reinvested them into a new CD without my consent.

2. Deceptive Banking Practices : The reinvestment occurred over a holiday weekend, limiting my ability to take immediate corrective action.

3. Unfair Treatment & Delays : Despite following their procedures and submitting the required forms, USAA has yet to release my funds.

4. Financial Harm : By reinvesting my funds into a lower-rate CD, I have been forced into an investment below market standards, affecting my expected returns. 

Resolution Sought I am requesting immediate release of my funds from the unauthorized CD and reimbursement for any lost interest I could have earned had my funds been available for reinvestment at competitive rates. Additionally, I ask that the CFPB investigate this matter to prevent USAA from engaging in similar deceptive practices against other customers. 

I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my financial rights are upheld. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: Block, Inc.
State: NJ

Complaint narrative:
XX/XX/year> transaction any amount of {$350.00} to my cash app XXXX  XXXX, the transaction was not made through XXXX  It came from XXXX the total amount that was made was {$570.00} I sent the receipt that I got from XXXX over to Cash App. Cash App didnt investigate it at all. They just keep denying me {$350.00} from XXXX XXXX. I asked them why they denied it from XX/XX/XXXX to the XXXX, and only thing they sent me back is a receipt with the transaction from spirit no information attached to it

Company response to consumer: Closed with explanation