vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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:
" 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. 
"

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 2025-01-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-03 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 am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2025-01-03 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: LA

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.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

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 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I went in to get a car and decided I didnt want the car. The car dealership still was pulling my credit and calling after I said several times I no longer want the car they was trying to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Subject : Complaint Regarding Permanent Ban of Venmo Account Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the permanent ban of my Venmo account, which I believe was done unfairly or without adequate explanation. My account, associated XXXX, was banned on XX/XX/year>. I have attempted to resolve the issue with Venmo directly, but I have not received a satisfactory response. 

The key issues are as follows : XXXX. Lack of Transparency : Venmo has not provided a clear explanation for the account ban or the specific policy I allegedly violated. 
XXXX. Access to Funds : My account contains funds that I can no longer access, causing significant financial hardship. 
XXXX. Inadequate Resolution : Despite contacting Venmo support, I have not been given any meaningful steps to address the situation or recover my funds. 

I believe this action may have been taken in error, and I am requesting the CFPBs assistance to : XXXX Venmo provides a detailed explanation for the ban. 
Facilitate the release of any funds remaining in my account. 
Confirm that Venmos actions comply with applicable consumer protection laws. 


Attempts to Resolve : Venmo will not provide me a way to unlock my account to use their services. 

Thank you for your attention to this matter. I am confident the CFPB will help ensure a fair and transparent resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NY

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.

"

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 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
This is a follow up to a previous complaint I filed with you on XX/XX/year>. I am a XXXX Veteran and bank with USAA. I was the victim of a scam and I have received no help at all from USAA. As a matter of fact they blamed me for the entire thing and took {$2500.00} out of my checking account because they said it was all my fault. Now I'll take my fair share of the blame for being naive, but they constantly tout how they take care of their people, especially veterans. They have a very proactive fraud department so I dont know how all this could happen, and I become the victim. I was suppoised to get a direct deposit of {$2500.00} from The XXXX XXXX, but what The XXXX XXXX did was deposit two bogus checks supposedly from XXXX XXXX into my account and USAA went right ahead and paid them, then said it was all my responsibility. I find this so odd since they have put holds on many bank checks I have deposited, including my latest social security check.I am enclosing PDF 's of the bogus checks which were never endorsed by me, my name was just typed in on the back of the check, so you know I never had any check in my hand. I dont have a XXXX XXXX account and the loan was supposed to be a direct deposit. I received an email from USAA, Im assuming because you must have contacted them and they said they were researching the matter and would be back to be shortly. To date I have had no response from them. I am enclosing a PDF of the email frrom USAA. I am shocked that USAA is acting just like The Scammers and ignoring me. Please help me if you can, I am on a fixed income and this has really thrown my finances for a loop

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 2025-01-03 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: TX

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
This is my another refilling complaint to the EQUIFAX since it seems that I was never been heard for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I have been working with this company to resolve a debt. I had been provided a verbal settlement offer after a vehicle was repoed. I was told to pay {$900.00} and then the vehicle could be released, which I did. I was then told I would need to make automatic payments. Since it didn't happen on the call prior to vehicle release, I assumed this would be addressed after I reclaimed the vehicle. When I called in XXXX, I was told that the settlement offer had been rescinded for non-payment. I explained I never set up payments, and I have received no letters or calls. I was told that I did. I then said, well since all calls are recorded can we please listen to my call and that will prove that there was no authorization given, I just paid the repo fees, and that I should be able to settle. I was told XXXX, the manager, would pull the call and to call back. I also asked how it was that I now owed a substantial amount more then what I previously owed on the vehicle. I was told by XXXX that it was because I owed additional repo fees. I explained that you can't do that and it hasn't been repoed since the first time, when I paid and had it released. Then I requested an itemized bill to show what I am paying for. XXXX told me that they can't do that.. I was then told that XXXX would pull the call and I needed to call back. I was told XXXX XXXX does not make calls and only communicates via letter. I asked for email copies of letters that were previously sent and was told they can't do that either. I have been calling to get the results of the pulled call review from XXXX. When I call I am transferred and no one ever answers. I have also been given a recording that says something like, I am unable to connect you at this time please call back later. The last call was on XX/XX/XXXX. I also called XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I first contacted Caine & Weiner in XX/XX/year> after I was alerted of the account being listed on my credit report. I spoke to a Representative regarding no knowledge of the account because I have never used the services of XXXX XXXX XXXX XXXX. I disputed this account on my XXXX credit file and after XXXX investigated this item and it was deleted from my XXXX file. I received communication from Caine & Weiner in the form of an invoice from XXXX. I reached out to them again regarding the invoice received. I asked why I was sent an invoice and the representative responded, " it's proof that you owe the debt ''. I again stated that I have no knowledge of this account because I have never done business with XXXX  moving and storage. After speaking with this company, I was again notified that this item was listed on my XXXX credit profile. On XX/XX/year>XXXX, I sent Caine & Weiner a debt VALIDATION letter pursuant to the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by way of CERTIFIED MAIL on XX/XX/year>, and they received it on XX/XX/year>. I requested validation of the debt, including the original contract with the original creditor with my signature on it, age of debt, and proof of assignment along with evidence that I am legally responsible for the debt. Instead of responding, they listed this illegal account on my XXXX credit profile as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the method of verification used for the information listed on my credit report, as provided by your agency. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) entitle me to this information, particularly in regard to the accuracy and integrity of my credit profile. 

Dispute Information : XXXX XXXX XXXX XXXX ACCOUNT # XXXX This account was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! 

Additionally, your agency has violated my consumer rights and violated federal law under the permissible purposes section ; theres proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below : 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, the law clearly states : ( a ) 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.

I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.

In accordance with the FCRA, I am requesting that you provide me with the following : 1. The specific information that was used to verify the accuracy of the items in question.

2. The name and contact details of the entities that furnished this information to your agency.

3. Any documentation or records that substantiate the verification process.

Company response to consumer: Closed with non-monetary relief