vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 non-monetary relief
Consumer complaint received 2024-06-13 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: IN

Complaint narrative:
I am not at any of these addresses

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 2024-06-13 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: IN

Complaint narrative:
I am not at any of these addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I enrolled in an offer of XXXX XXXX cash back for purchases from XXXX, with my citi double cash credit card. I enrolled the offer on XX/XX/XXXX. The offer expires on XX/XX/XXXX. 

I made a purchase on XXXX using the card I enrolled. The cash back has not posted yet until today. However the offer changed to XXXX XXXX without any notification. 

I reached out to citi bank. Their response is that the offer has been XXXX XXXX  the whole time. It was never XXXX XXXX 

I have screen shots of the offer when I enrolled. It clearly states XXXX XXXX. Citi bank is lying about their advertised offers for their credit card products. 

My whole purchase is about {$4600.00} so I will be missing about {$90.00} for the false advertisement.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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.

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 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The identity theft commenced when unauthorized access was gained to my XXXX XXXX I bank account, resulting in the unlawful withdrawal of {$1600.00}. Immediate action was taken upon discovery, with the incident promptly reported to XXXX XXXX to initiate necessary fraud and theft protocols. Subsequently, in XX/XX/XXXX, a credit report alert revealed suspicious activity, including unauthorized credit inquiries and the initiation of new credit card accounts, which I did not authorize or initiate. Notably, these inquiries and accounts were not associated with my legitimate financial activities. 
In XX/XX/XXXX, unauthorized credit card accounts were opened with XXXX XXXX XXXX  and Capital One, further exacerbating the fraudulent activities perpetrated under my name. It is crucial to emphasize that I did not initiate nor authorize the creation of these accounts, as they were established under fictitious identities.Upon transitioning my banking services to XXXX, I availed of their real-time credit monitoring feature, enabling prompt detection of fraudulent activities upon my credit report. Immediate action was taken to notify XXXX XXXX XXXX  and Capital One, asserting my status as a victim of identity theft and contesting the legitimacy of the accounts in question. Correspondence ensued with both institutions, facilitating the submission of pertinent documentation and information to support my claim.Furthermore, I initiated disputes with XXXX and XXXX credit bureaus to rectify the inaccuracies within my credit history stemming from the fraudulent accounts. Despite diligent efforts and cooperation, the resolution process encountered obstacles, with the closure of the accounts by the respective banks in XX/XX/XXXX failing to alleviate the financial burden imposed upon me. 
In XX/XX/XXXX, a formal police report was filed to document the fraudulent activities and the subsequent dissemination of my personal information on illicit online platforms. Regrettably, despite exhaustive efforts and the provision of comprehensive evidence, the credit bureaus concluded the matter without exoneration, attributing unwarranted responsibility to me. Last balance reported before the accounts were charged off ; XXXX XXXX : {$470.00}, Capital One ; {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: AZ

Complaint narrative:
TRANS UNION IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. INCLUDED IS MY ID AND SOCIAL WITH MY CURRENT ADDRESS. 

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must operate with fairness, impartiality, and respect for consumer privacy. TRANS UNION fall under this category, and I, as the consumer, have the right to ensure the protection of my private information, as supported by 15 USC 6801.

It is explicitly stated in 15 USC 6801 that financial institutions are obligated to uphold the privacy and confidentiality of their customers ' nonpublic personal information. Any entity furnishing information to credit agencies, by definition, is considered a financial institution under this title. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that consumer reporting agencies can only furnish consumer reports with the explicit written consent of the consumer involved. TRANS UNION, and the furnisher of information to credit agencies lack my consent, verbal, non-verbal, written, implied, or otherwise, to furnish my information.

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing an explanation of how the consumer can exercise their nondisclosure option. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization, which includes information antedating the report by more than seven years. Yet, this accounts they are reporting is adverse and without my permission, which is a violation of the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) mandates that no person shall furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations of FCRA and to limit the furnishing of consumer reports to specified purposes, which they are not doing.

Finally, as per 12 CFR 1016.7, I retain the right to opt out of reporting services at any time. Therefore, I am formally opting out of your reporting services.

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 2024-06-13 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: TX

Complaint narrative:
Subject : Dispute of Unauthorized Charge Off on Credit Report Dear Sir/Madam, I am writing to formally dispute the inclusion of multiple charge offs on my credit report, as reported by your agency. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which appears as a charge off on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681E ( b ), it is illegal for creditors to report inaccurate or unverifiable information on consumer credit reports. Furthermore, I would like to highlight that a charge off, while reflecting a loss for the creditor, is considered income by the Internal Revenue Service ( IRS ) and should not be categorized as debt on my credit report. 

I request that you investigate this matter thoroughly and promptly remove the disputed charge offs from my credit report or the account should be reflected on my report as " Paid in full '' or " Paid as agreed ''. Please provide me with a written explanation of the results of your investigation once it is completed. 

I expect a response within the statutory time frame of 30 days, as outlined by the FCRA. If you are unable to verify the accuracy of these charge offs, I demand that it be removed from my credit report immediately. 

Please note that failure to update these accounts within a reasonable time frame will compel me to take legal action to ensure compliance with the FCRA and protect my rights as a consumer. 

Thank you for your attention to this matter. Please contact me at the above address Sincerely, 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 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I had {$2300.00} roughly deposited into my VINMO account I have no debit card linked to that account so I tried to link XXXX of my other accounts to it with no progress later that evening a friend of mine came over with a venmo account I tried to transfer some of my funds to him they blocked the oil transfers and then suspended my account later that evening I got an email stating this suspension and how to resolve it I did all that they asked me and still not unsuspended all the XXXX is somebody will get in touch with me through email there's no number for me to call them directly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When i was XXXX XXXX XXXX i was pressured and told i had to take out financial aid ( loans ) in order to cover tuition. The school i attended purposely defrauded their students. I was placed into a private loan almost 20 years ago. Now as an adult who understands loan, i have tried my best to get Navient to reduce the interest, take a settlement and asked for the loans to be forgiven since my federal loans were forgiven. Navient is a company who has been unwilling to work with me over the last 20 years. I was forced to make payments to avoid jeopardizing my credit. I was told the only way to even apply for a settlement was to default on my loans, which i refused to do. A month ago, i finally was able to refinance my loan with Navient XXXX ( XXXX ) i believe is the new name. It took over 15 years to try and get a refinance. My loan amounts continued to jump no matter how many payments i made. The original loan amount was for maybe XXXX and another for XXXX back in the early 2000 's. And today i owe over XXXX to XXXX. That is ridiculous. Not only was XXXX a predatory school, Navient is a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-06-13 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-06-13 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:
I am challenging these accounts for being inaccurately reported on my credit file and requesting an investigation. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report. I know FCRA 605B requires us to report any inaccuracies in consumer reports.

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 2024-06-13 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
Made purchase from merchant XXXX. Item was not as described. I reached out to seller and the sellers communication wasnt coming through. I filed chargeback. Paypal requested I send the item back XX/XX/XXXX. Item was delivered to seller XX/XX/XXXX. Email stated I would get a refund upon receipt. I was then asked again to upload tracking info XX/XX/XXXX. I have not received a refund, no longer have the item, and tomorrow marks 90 day mark. Paypal can not reach a decision or do anything until the bank does.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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.

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 informationisinaccurate.

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