vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Dear CFPB, I am writing to dispute the information on my credit report regarding XXXX XXXX and USAA Federal Savings Bank. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX and USAA Federal Savings Bank. Please see screenshot attached : Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Dear CFPB, I am writing to dispute the information on my credit report regarding Ally Financial and XXXX XXXX XXXX Bank. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on Ally Financial and XXXX XXXX XXXXXXXX XXXX. Please see screenshot attached : 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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I always made sure that I paid on time, why there is a mistake in 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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ACCORDING TO FCRA SECTION 605B IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION PLEASE REMOVE AS THIS IS A FORM OF IDENITY THEFT. 

THE ARTICLE STATES THAT The Fair Credit Reporting Act ( FCRA ) Section 605B, often referred to as the " block '' provision, outlines requirements regarding the blocking of information resulting from identity theft. Specifically, it allows consumers to block the reporting of information that results from identity theft to consumer reporting agencies. This section mandates that upon receiving a request from a consumer, consumer reporting agencies must block the reporting of information that the consumer identifies as resulting from identity theft. Additionally, the FCRA requires consumer reporting agencies to promptly notify the furnisher of the blocked information about the consumer 's request. The furnisher must then investigate the blocked information and report the results back to the consumer reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-08 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.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-08 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.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
Hello My bank account was suspended by Wise Bank. When I appealed so they informed me that the account could not be reactivated however they asked for a different bank account on my same company to transfer the stuck amount. 

The transfer was applied on XXXX XX/XX/year> but still, so far we have not received our amount from our other bank which is XXXX XXXXXXXX XXXX. 

My company name is : XXXX XXXX Account : XXXX Routing : XXXX Wires : XXXX Please kindly help us recover the amount. 

Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to file a complain against Experian. I have made several attempts to login and get my information and when I call I am not able to gain access. I know my information and have called several times. 

Also, I have noticed that someone is tampering with ( all ) XXXX credit bureau information because there has been addressess added to my credit report of places someone felt I have lived but I never received mail at those addresses so I am not understand how they were even able to obtain. 

What I can tell you is that staying in a hotel doesn't consitute a home address when I used a XXXX XXXX XXXX 

I believe this to be the ( FBI ) because I have notice that I am being followed and even my bank accounts are being tampered with. 
Bottom line, the law is being broken and my rights are being violated.

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 2024-05-08 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I in fact paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/year>. XXXX now requesting that you investigate this account and update the payment to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
A collection agency began reaching out about charges that were over XXXX years old from an apartment rental I stayed in with XXXX mates from college. The charges that were presented did not align with the lease whatsoever, but the collection agency showed no concern about correcting the matter or looking into my statements. I have asked for a verification of these charges and their alignment with the lease contract, but have received nothing in return except a " verification of debt '' that they present, which is the charges that were drafted up over XXXX years prior from the apartment complex, which I had never received before. 
I have personally gone through the lease contract and can not identify any legitimacy for the drafted charges, meanwhile the collection agency has failed to provide me a thorough representation of their validity in relation to the physically signed contract. 
The debt amount began at {$7700.00} ( nearly XXXX the rent amount ) and continues to grow and accumulate interest despite having not been provided with a reasonable justification for the charge. The contract period was from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
I produce music and I was purchasing a beat placement from an artist, which is completely normal. On XX/XX/XXXX, I sent {$5000.00} via cashapp and was promised the songs and money back by XX/XX/XXXX, and I have yet to receive any services or payment, I have provided screenshot proof in the attachments below. This individual told me if I sent him {$5000.00} I would receive a check in the mail from his music label by XX/XX/XXXX and a music video to compensate for the work we both put in, and now this individual is ignoring me and not providing the service promised or the money back. He claimed the check was lost in the mail and if I sent {$2000.00} more it will be on the way, which is clearly not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
A fraudulent charge in amount of {$1500.00} posted to my Synchrony Mastercard on XX/XX/21. Synchrony was notified of the fraud, however, does not appear to investigate, no credit issued as temporary to date. I've looked into the charge myself ; it appears an item was ordered from a merchant, XXXX, shipped via XXXX under tracking ID XXXX, item was left at a drop off point, not my address. XXXX investigated, unable to locate package, advised to contact shipper. A copy of their email reply is attached via screen shot to this complaint. XXXX was notified as well, however, they refused to investigate, closed my XXXX account.. I request Synchrony look into charge, issue temporary credit, if possible.

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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
This apartment complex charges wrongful fees and I disputed with the manager. She tried to get me to resign my contract and when I refused I was charged all of these outrageous fees when I moved out. Then the manager would not and did not respond to any of my emails or phone calls after I moved out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Early Warning XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear sir, At first, I received letters which have the total pages XXXX. Among them, the one prepared on XX/XX/XXXX of 2024, which has consumer Identification number XXXX, asks me to provide the necessary information. So far, your company refers only the XXXX  XXXX XXXX banking account. I have been asking to check and provide further information to explain the documents themselves, since I can not understand it at all. I have already asked XXXX XXXX and the person in charge gave me unsatisfactory answer and requested further investigation. I believe your company should have received some information from XXXX XXXX. I have another bank accounts with XXXX XXXX based in XXXX XXXX and XXXX XXXX based in XXXX XXXX. I have asked you to provide me the means to acquire the similar documents which I received from your company. 
The letter prepared on XX/XX/XXXX of 2024, which dispute ID is XXXX, is mentioning the XXXX XXXX XXXX account number ending XXXX. Same as other banking accounts of XXXXk XXXX XXXX, I do not have any further information with this account, too. Therefore, I can not understand why you send me again this letter, honestly. More than that, I expect further investigation on XXXX XXXX and XXXX XXXX. Please send them. 
The letters prepared on XX/XX/XXXX of 2024, which dispute case ID is XXXX, XXXX, XXXX, and XXXX state I need to contact with your office only when I have some information/documentation on these cases. I do not have any further documentations, which I feel to report many organizations. If I receive some documentations, which make me feel suspicious, I will send them to you. More than that, I believe we need to start to request XXXX XXXX and XXXX XXXX, as your agent has mentioned at the beginning. Since I do not have anything to ask the XXXX XXXX XXXX with these letters, I will not contact with the XXXX XXXX XXXX branch addressed XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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