vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 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:
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. 

Account Name : XXXX  : Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX : Account Number:XXXXXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  Bankruptcy : Account Number:XXXX Account Name : XXXX XXXX  Bankruptcy : Account Number:XXXX 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 2024-02-24 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: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle through XXXX on credit. I was made aware that XXXX XXXX XXXX will be supplying the loan. On XX/XX/XXXX, I got into an accident that led to my car being a total loss. However, XXXX XXXX XXXX decided to label this as a repossession on my credit report. When I spoke to a representative to get a clear understanding of why this was, they told me that it was labeled a repossession because the vehicle was sitting AFTER the accident. This makes no sense since the vehicle was not drivable so there was no way for me to move or use it in anyway. This is extremely unfair because if the accident had never happened, I would still have the vehicle. The insurance company, XXXX, are the ones who towed it away an hour and XXXX minutes from my residence. I was then told that I owed {$4800.00}, and had to pay that off in order to get it removed. So I paid {$2000.00}. On XX/XX/2024 I called to pay another {$2000.00} just for the representative to tell me that I should dispute the repossession, and that it should have never been considered a repossession in the first place. It is clear that XXXX XXXX XXXX does not care as long as they get their money. There is no reason why they should have reported this as a repossession when that is not what happened! Not to mention, they NEVER even sent me a repossession NOTICE like they are supposed to do. This is negatively affecting me financially because now I have to pay over {$6000.00} for a downpayment for a new vehicle. So now my rights are blatantly being violated as this is now considered false and misleading pursuant to 15 USC 1692e. Also, the consumer reporting agencies are not supposed to put anything on my report WITHOUT verifying with me first. This whole practice reeks of unlawful and unethical activities and it is quite concerning that they can put whatever they want on MY report with no consequences.

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 2024-02-24 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: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle through XXXX on credit. I was made aware that XXXX XXXX XXXX will be supplying the loan. On XX/XX/XXXX, I got into an accident that led to my car being a total loss. However, XXXX XXXX XXXX decided to label this as a repossession on my credit report. When I spoke to a representative to get a clear understanding of why this was, they told me that it was labeled a repossession because the vehicle was sitting AFTER the accident. This makes no sense since the vehicle was not drivable so there was no way for me to move or use it in anyway. This is extremely unfair because if the accident had never happened, I would still have the vehicle. The insurance company, XXXX, are the ones who towed it away an hour and XXXX minutes from my residence. I was then told that I owed {$4800.00}, and had to pay that off in order to get it removed. So I paid {$2000.00}. On XX/XX/2024 I called to pay another {$2000.00} just for the representative to tell me that I should dispute the repossession, and that it should have never been considered a repossession in the first place. It is clear that XXXX XXXX XXXX does not care as long as they get their money. There is no reason why they should have reported this as a repossession when that is not what happened! Not to mention, they NEVER even sent me a repossession NOTICE like they are supposed to do. This is negatively affecting me financially because now I have to pay over {$6000.00} for a downpayment for a new vehicle. So now my rights are blatantly being violated as this is now considered false and misleading pursuant to 15 USC 1692e. Also, the consumer reporting agencies are not supposed to put anything on my report WITHOUT verifying with me first. This whole practice reeks of unlawful and unethical activities and it is quite concerning that they can put whatever they want on MY report with no consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle through XXXX on credit. I was made aware that XXXX XXXX XXXX will be supplying the loan. On XX/XX/XXXX, I got into an accident that led to my car being a total loss. However, XXXX XXXX XXXX decided to label this as a repossession on my credit report. When I spoke to a representative to get a clear understanding of why this was, they told me that it was labeled a repossession because the vehicle was sitting AFTER the accident. This makes no sense since the vehicle was not drivable so there was no way for me to move or use it in anyway. This is extremely unfair because if the accident had never happened, I would still have the vehicle. The insurance company, XXXX, are the ones who towed it away an hour and XXXX minutes from my residence. I was then told that I owed {$4800.00}, and had to pay that off in order to get it removed. So I paid {$2000.00}. On XX/XX/2024 I called to pay another {$2000.00} just for the representative to tell me that I should dispute the repossession, and that it should have never been considered a repossession in the first place. It is clear that XXXX XXXX XXXX does not care as long as they get their money. There is no reason why they should have reported this as a repossession when that is not what happened! Not to mention, they NEVER even sent me a repossession NOTICE like they are supposed to do. This is negatively affecting me financially because now I have to pay over {$6000.00} for a downpayment for a new vehicle. So now my rights are blatantly being violated as this is now considered false and misleading pursuant to 15 USC 1692e. Also, the consumer reporting agencies are not supposed to put anything on my report WITHOUT verifying with me first. This whole practice reeks of unlawful and unethical activities and it is quite concerning that they can put whatever they want on MY report with no consequences.

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 2024-02-24 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: LEXISNEXIS
State: TX

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 2024-02-24 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, account # XXXX, has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: MS

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my credit report and noticed that a existing problem is till not fix for the past 2 years I never miss a paid payment when account was close everything was paid as agreed and inaccuracies, the consumer reporting agencies have assured a vital role and have a responsibility to report consumers information to the best of their ability with maximum customer accuracys.i have never been late and all payments were made in full as agreed I have included screenshots of all 3 different reporting inaccuracies, no data, collection and charges off, XXXX XXXX please investigate and provide proof with statement showing that these payment were late or not pay in full, if proof cant be provided I demand these be updated dated as agreed payment in full on time as it should have been not showing up on my credit report. I spoke to the report agency and XXXX they said it was a mistake that they were going delete from my credit but never did this have been on going problem, also my FTC report number is 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 2024-02-24 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: NC

Complaint narrative:
My wallet was stolen in XXXX and I was advised to begin monitoring my accounts and credit profile. I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or have any affiliation with. I've contacted the Credit Reporting agencies notifying them of the incident and requesting verification. I have yet to receive a formal response. 

I have the right to privacy and have not given any written consent. Reporting this information to my profile is in violation of 15 USC 1681B. Further furnishing account in direct relation to identity fraud is in violation of 15 USC 1681 c-2 I've also requested that all fraudulent addresses are removed from my account to further prevent the reporting of inaccurate accounts to consumer report. These fraudulent accounts are severely impacting my ability to obtain cred

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My wallet was stolen in XXXX  and I was advised to begin monitoring my accounts and credit profile. I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or have any affiliation with. I've contacted the Credit Reporting agencies notifying them of the incident and requesting verification. I have yet to receive a formal response. 

I have the right to privacy and have not given any written consent. Reporting this information to my profile is in violation of 15 USC 1681B. Further furnishing account in direct relation to identity fraud is in violation of 15 USC 1681 c-2 I've also requested that all fraudulent addresses are removed from my account to further prevent the reporting of inaccurate accounts to consumer report. These fraudulent accounts are severely impacting my ability to obtain cred

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2023, I sold a camera for {$1200.00} and the buyer paid with Venmo. I received the money in my account, and so provided the buyer with the camera. After dropping off the camera, the buyer then paid me a second time ( {$1200.00} again ). The buyer claimed it was an accident and I was immediately suspicious of a scam. I contacted Venmo via their online chat help system immediately ( See attached documents for the transcript ). Eventually, after the Venmo customer service agent confirmed that the funds came from the " same funding source '' and also said " if they stole the card, they will not be able to add it on their account without verifying it and providing the correct details '' I agreed to return the 2nd payment of {$1200.00} by reversing the payment. I expressed my sincere concern that the transaction was a scam, and received no action or investigation from Venmo on XX/XX/2023 ( See transcript ). On XX/XX/2023, Venmo informed me that my account balance in my Venmo account was now $ XXXX ( negative ) because " You didn't have enough money to cover some of your recent transactions. '' The " recent transaction '' was Venmo reversing the initial {$1200.00} without my authorization. Ultimately, I understand that the buyer was not at fault. It was Venmo 's security protocols that were at fault. I will attach all correspondence with Venmo to this complaint. Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: NY

Complaint narrative:
XXXX XXXX has violated my rights under the Fair Credit Reporting Act. 

15 USC 1681 Section 602 - I have the right to privacy. 15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-24 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: NC

Complaint narrative:
I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information which you are inaccurately reporting and must remove right away. Please see below : Need to remove : XXXX XXXX XXXX XXXX, NC XXXX My current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESS to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Once you have removed the inaccurate information, I would like my full completed, and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC 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 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX someone tried to open a credit card with Capital One under my name. There are 2 hard inquiries on XXXX XXXX which is Capital Ones credit check program and on XXXX. I called Capital One on XXXX and spoke with a representative that said, she did not see a credit card application or the hard inquiries on my account. 
On XX/XX/, I received a letter in the mail that my Capital One credit card application can not be processed until I send my social security number and my ID to complete application. I did not try to open a new credit card with Capital One so Im not sending information and I did not call number on letter because according to the internet the number is fraudulent. 
Capital One Customer Care Team phone # on letter is XXXX. 

Also, note that on XXXX someone tried to open a credit card with XXXX and XXXX posted a hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
whom it may concern I am writing this note to ally credit card in response to my recent most recent credit card statement that I received in the mail stating that my account my account is getting ready to be charged off I have tried to explain this to you people several times and you dont listen and its gone on deaf ears I filed complaints with the XXXX XXXX XXXX  only to receive a very nasty letter back to me stating that these charges would not be removed and they would continue to report this to my credit my credit my XXXX account was hacked at some point back in the summer an unauthorized charges were made to this card and and I called in to complain and reported this and reported that I had lost my card and that the card on file that XXXX had on file had indeed been hacked and somebody had made some purchases and charged this credit card I also at the same time had made some purchases from XXXX XXXX had returned those purchases because there was some damaged merchandise and I was given credit for those charges but there were also some other charges on there that were fraudulent charges I had evidence from XXXX because they closed my account out and said there was fraudulent activity on the account and they closed my account out and they told me I would not be responsible for those charges that were incurred I have tried and tried with you people to get this charges removed from my account to no avail and you youre telling me that theres nothing you can do even though Ive submitted on numerous occasions evidence showing that the account was hacked and that the account was closed by XXXX for fraudulent activity and showing you the letter from XXXX stating that I would not be held liable for those charges because theyre fraudulent I need to get this issue addressed Id really like to keep this credit card but I have no intention of paying this balance because this is not my balance I did not make those charges I have tried with in good faith Ive complained nobody seems to wan na listen so maybe I need to turn this over to an attorney and have the attorney write you guys a letter and then maybe you will listen to me. I did not make those charges my XXXX account was hacked and I have sent documtation I want these charges removed from my account I did not make them and I do not owe 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 explanation