vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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:
According to the Fair Credit Reporting Act your credit reporting agency is in violation of the FCRA 15U.S.C. 1681b ( a ) ( 2 ) because I did not give CONSENT to furnish the accounts listed below on my Trans Union credit report.

FCRA 602 states I have a right to privacy and FCRA 604 states a credit reporting agency can not furnish an account without my written instructions. 
I gave no one CONSENT, PERMISSION or instructions to furnish these accounts on my credit file, they are in violation of the aforementioned laws. 
Remove every account listed below immediately because they are violating my privacy. My NON PUBLIC PERSONAL INFORMATION is private and FCRA 1681b ( a ) ( 2 ) protects my rights as it is clear this information should not be reporting without CONSENT from me because I gave no one at Trans Union any instructions to furnish these accounts as provided under 1681b ( a ) ( 2 ) and FCRA 604 ( a ) ( 2 ). Delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If any accounts listed above are not DELETED from my Trans Union credit report then I am officially requesting in advance under 15 U.S.C. 1681i ( A ) ( 7 ) / FCRA ( 6 ) ( B ) ( iii ) ALL the procedures used that you may alledge led to any of the ( 3 ) accounts I am disputing in regards to 1681b ( a ) ( 2 ) and FCRA 604 ( a ) ( 2 ) to be verified.

Also I am requesting the name ( s ) of the person ( s ) you spoke with along with their telephone numbers and address in accordance with 15 U.S.C.1681i ( A ) ( 7 ) / FCRA ( 6 ) ( B ) ( iii ). 
I understand that this information would require that Trans Union send me the information within 15 days or I can sue Trans Union for not providing the information in a timely manner and collect {$1000.00} in a court of LAW for that isolated violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I sent a transfer through remilty on XXXX XX/XX/year> which the company promised to transfer within 10 mins and shower the transfer as completed while the recepient bank did Not receive it on checking with them all they have to say is we are working on it and it was an urgent transfer to family. All they keep Saying is we working on it and its my hard earned money. still got mo refund been 4 days they keep asking for more time and saying it is completed. I have provided them all the bank statements they asked for i am clueless whats gon na happen with the money. I keep on contacting them al they say is they need more time please help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
XX/XX/XXXX i was sent to claims for an unpaid balance of {$2100.00} for a storage unit in XXXX XXXX, CA. I did not rent it my landlord rented it, I closed the rental and returned the keys and I moved out of the country. I received a call from Allied Collection Services saying I owe for 2 months rent for a storage unit. I never rented it and how can I rent it if I am in another country, they never sent proof. I asked both XXXX and XXXX to remove it from my credit report on XX/XX/XXXX and I filed a ID Theft report on XX/XX/XXXX. Neither have removed it and XXXX sent an update on XX/XX/XXXX that was not an update, only the original dispute paperwork, they just replied with the application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I contacted the bank on XX/XX/XXXX soon after my husband reported an incident at one of their ATMs located at XXXX on XXXX XXXX in XXXXXXXX XXXX  My husband called them immediately after he deposited XXXX in the ATM slot and the machine shut down before completing the transaction. His card was also stuck in the ATM machine. I contacted them immediately to check that they had the incident on file. My husband is co-owner on the account. I told them that it is imperative that they release a temporary credit as we have bills to pay and being currently on XXXX leave leads to not have any paychecks as direct deposit coming in the account. I contacted them every day without any resolution. On XX/XX/XXXX I had bills that had to be paid which resulted in my account being overdrawn and the bank charged me an overdraft fee. I understand that they need to investigate the incident but I can not have XXXX dollars missing from my account for this long when bills have to be paid. It is a completely irresponsible practice to put customers through so much stress and XXXX  and not take responsibility for their mistake and lack of communication. I called them every day since this incident happened and explained that I need this resolved immediately but nothing has been done except being charged an overdrawn fee. I am so angry right now that I am considering legal recourse.

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 2024-08-30 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: CT

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: CT

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: CT

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
They keep refusing my dispute and making my account go negative telling me to resolve the issue with the merchant but I'm showing them that the merchant are known scammers and they're ignoring me and not helping me to resolve the issue. They charged me to buy an item and then took the item back after the 2 week warranty date and when I contacted the merchant about my purchases and items they keep telling me they cant help me since the seller took my money already and they ignore me and won't give me my money back. 

I showed XXXX XXXX XXXX multiple times that this company scammed me and they still won't do anything to help giving me the same response to solve the issue with the merchant but how can I do that when they ignore me constantly and i've shown them proof of this same exact issue happening to other people as well. 

They're also conducting illegal activity by faking buyer reviewers and automatically making accounts do reviews when you don't do them which is fraud and illegal yet TD BANK N.A ignores this as well.I 've shown my bank proof multiple times that this company XXXX XXXX is a scamming company that does illegal activity on the buyers such as writing fake reviews on the buyers behalf to make it seem like people are getting what they paid for when in reality they arent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: CT

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, PayPal exhibited abusive behavior repeatedly without any provocation, despite numerous attempts on my part to find resolution. 
During the span of XXXX week, PayPal intercepted XXXX separate, legally acceptable business transactions, which directly impacted the daily operations of the business, as well as froze all assets in the business account. 
Holds were placed on standard money transfer transaction, and/or returned to sender in a manner that Implied that my company engages in illegal activity. This ultimately lead to the customer canceling all upcoming projects ( totaling {$9000.00} ) due to new concerns. During this time, over XXXX hours were spent with PayPal customer service during working hours to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: GA

Complaint narrative:
The consumer reporting agencies experian, XXXX, and XXXX has lower my credit score because of late payments and utilizatio

n rate and unauthorized remarks which i never gave a written consent to be On my report and they are not authorized to move or jmpact my credit without my witten consent and is acting on behalf of a principal and is not the principal or fiduciary of My estate or trust and can now show proof in law where they can impact my score because of utilization or late payments where it is not mention in law it is not my job to teach workers about the law it is their duty to fulfill their oath. I RESERVE ALL RIGHTS WITHOUT PREJUDICE PURSUIT TO 15 USC1-308

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt 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 explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid my full balance of {$140.00} on XX/XX/year> leaving me with a balance due of {$0.00}. On XX/XX/year>, Macys charged me {$2.00} under Purchases, Cash Adv, Fees & Other Debits.

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 2024-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. As a result of the identity theft various accounts and even a lease was signed in my name without my knowledge or approval. I did not apply for or sign the lease in question or the application in question and have now attached the OFFICIAL copy of the police report for this issue. Additionally, I request no communication about this issue from debt collectors over the phone. Any communication from the debt collector to me should be in writing only and never over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am a victim of identity theft. As a result of the identity theft various accounts and even a lease was signed in my name without my knowledge or approval. I did not apply for or sign the lease in question or the application in question and have now attached the OFFICIAL copy of the police report for this issue. Additionally, I request no communication about this issue from debt collectors over the phone. Any communication from the debt collector to me should be in writing only and never over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this 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 explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a copy of my XXXX and Transunion credit reports, and I noticed a late payments posted on my credit report : one of XXXX  XXXX credit cards for the month of XX/XX/XXXX - XX/XX/XXXX and the other XXXX  XXXX credit card for XXXX XXXX XX/XX/XXXX. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquires from JPMCB Card ( XXXX ) and XXXX XXXX XXXX on Credit Report Credit Reporting Agencies : XXXX, XXXX, and XXXX Date of Inquiries : XX/XX/XXXX, XX/XX/XXXX, ( XXXX Card ) and XX/XX/XXXX ( XXXX XXXXXXXX XXXX  ) Companies involved : Chase Bank and XXXX XXXX XXXX  XXXX XXXX : XXXX ( Dispute- Inaccurate Information ), XXXX ( Account not mine ) Details : I am filing this dispute to challenge the validity of XXXX hard inquiries that appear on my credit report : -JPMCB Card  [ XX/XX/XXXX ] -JPMCB Card [ XX/XX/XXXX ] XXXX XXXX XXXX  [ XX/XX/XXXX ] I did not authorize these inquiries, nor did they result in the issuance of any credit card or account. According to XXXX metro compliance guidelines, each inquiry must be tied to a legitimate credit request, which is not the case here. I request that these inquiries be removed from my credit report as they are in violation of XXXX metro compliance standards. Please investigate this matter and correct the inaccuracies. 

XXXX XXXX XXXX : This code addresses inaccurate or incorrect information in the credit report. The hard inquires from JPMCB CARD and XXXX XXXX XXXX are inaccuratley reported as I did not authorize them, and no credit was extended as a result. 
XXXX XXXX XXXX : This code indicates that the account or inquiry is not mine. Since I did not request or approve these inquiries, they should be removed from my credit report. I have only XXXX credit card that is through XXXX XXXX.

Company response to consumer: Closed with non-monetary relief