vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 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 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 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 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2025-01-07 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
XXXX XX/XX/year> multiple XXXX XXXX accounts were added to my personal credit report. these accounts are not mines. 

account # XXXX balance {$14000.00} account # XXXX balance {$2300.00} account # XXXX balance {$2200.00} account # XXXX balance {$5400.00} account # XXXX balance {$4000.00} account # XXXX balance {$4700.00}

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 2025-01-07 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: TX

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that remain unresolved and demand immediate attention. Despite sending multiple written communications over 30 days ago requesting validation of these items, I have received neither acknowledgment nor proper verification of these reported late payments, leaving me in a state of uncertainty and frustration regarding my credit standing.

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 2025-01-07 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-01-07 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 writing to request the immediate removal of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent and negatively impact my credit score and my ability to obtain financing.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only authorized and verified inquiries remain on my report. Below are the unauthorized inquiries that should be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to contact the entities responsible for these inquiries to verify their authorization, but I have not received any response that justifies these actions. Therefore, I consider these inquiries unauthorized and fraudulent. 

I am attaching a copy of my identification and proof of address to verify my identity. I am also including a Federal Trade Commission ( FTC ) Identity Theft Report and any other necessary documentation to support my case. 

I request that, in accordance with the FCRA, these unauthorized inquiries be removed from my credit report immediately. Please notify me once this action has been completed or if additional information is required to process my request. 

Thank you in advance for your attention and prompt resolution of this matter.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-01-07 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding an improper and prolonged hold on a check deposit. The details are as follows : Check Amount : {$4000.00} Deposit Date : XX/XX/XXXX Issuer : A company from which I have successfully deposited larger checks multiple times over the past year As of XX/XX/XXXX, the funds remain on hold and are not reflected in my available balance. This delay has caused my other accounts to overdraft, leading to potential overdraft fees as bills are processed. 

I received a mailed notice on XX/XX/XXXX, over a week after deposit, stating, " We have confidential information that indicates that the check may not be paid. '' This explanation is both vague and inconsistent with my banking history, as I have never had an issue depositing checks from this issuer. 

Under Regulation CC, the maximum allowable hold time for a non-local check under {$5500.00} is 5 business days. The extended hold is unjustified, unlawful, and has resulted in financial harm due to overdrafts and delayed access to my funds.

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not showing maximum possible accuracy according to 15 USC 1681e ( b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete Account Immediately for violation of 15 USC 1681e ( b )

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 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
XX/XX/year> Jefferson Capital System LLC XXXX XXXX XXXX [ XXXX XXXX, XXXX Amount owed ( {$1700.00} ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Pa XXXX Amount owed ( {$1400.00} ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Amount owed ( {$370.00} ) Re : Charge for Violation of Fair Debt Collection Practices Act ( FDCPA ) Dear Jefferson Capital System LLC, XXXX XXXX, XXXX XXXX XXXX XXXX I am writing to formally address and charge you with violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which prohibits certain abusive, deceptive, and unfair debt collection practices. 

I have reviewed the actions that your company has taken in regard to my alleged debt, and I believe that you have violated the following provisions of the FDCPA : 1. [ Specify the violation ( s ) : ( e.g., harassing phone calls, misleading statements, failure to validate the debt, etc. ) ] For example : You called me multiple times a day, using threatening language, which constitutes harassment under 15 U.S.C. 1692d. 
For example : You failed to provide me with proper validation of the debt within 30 days of my initial communication, violating 15 U.S.C. 1692g.

These actions are in direct violation of the FDCPA, which provides consumers with the right to be treated fairly and respectfully by debt collectors. As per the law, I request that you immediately cease any further contact with me regarding this alleged debt, and correct the actions that have been taken, including : XXXX XXXX XXXX XXXX XXXX Reported on my credit report XXXX XXXX Jefferson Capital System LLC {$1700.00} Reported on my credit report XXXX XXXX XXXX XXXX Reported on my credit report ( {$370.00} ) i am a victim of XXXX The Information listed below, which appears on my credit report, is the result of that XXXX  please block this information from my credit report within four business days, pursuant to section 605C of Fair Credit Reporting Act Please be aware that failure to resolve this matter and comply with the FDCPA could result in further legal action. I am requesting that this issue be addressed promptly and that you provide written confirmation of your compliance with the law. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I created a check-in account with truist before XXXX XXXX and I was eligible for their TRUISTXXXX. Offer which should have credited XXXX dollars to me after completing the requirements of 15 debit card transactions and XXXX dollar direct deposit. Which I did, but i haven't received my XXXX dollars into the account. I am not able to see tick/check marks regarding the requirements that i have completed on offers.truist.com as well. Even though I have completed the requirements.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
I request that you send me the certified receipt that includes MY NAME and SIGNATURE as evidence of delivery. 
Until this information is provided, I do not acknowledge the debt remove the account from all credit report for lack of proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: SC

Complaint narrative:
My information was exposed in the data breach. 

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. 
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, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-07 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: WA

Complaint narrative:
I have noticed that since XX/XX/year> a specific merchant that I was making regular purchases thru has been over charging me and also making many unauthorized charges to multiple bank accounts that I have used to make purchases. They have shared my banking data with their sister companies and in return all XXXX companies have double charged or triple charged me. They have charged my different accounts under their XXXX sister company names for the same transaction. Which I never gave authorization for them to do neither was it mentioned in the terms or conditions that they would have access to such banking data of mine. 
On XXXX XXXX Venmo issued me a {$1400.00} ( not exact amount ) notice that I needed to repay for not enough funds to cover those payments made to this particular merchant and their sister companies. I refused to pay it knowing this was not true. I tried to submit documents to verify my stance on the situation but maybe it was the wrong documentation. That when I thought I had found the right documents they refused to look any further and closed my account. They took my {$2000.00} direct deposit on XX/XX/XXXX to cover the - $ XXXX overcharges. 
After that I had a {$900.00} I believe overdraft and they took that as well. Then most recently Im now - {$600.00} ( not exact amount ) and they want that too. I have statements that I paid for the services the merchant is trying to claim I owe. The issue here is the sister companies are trying to collect money from me from multiple accounts under their sister companies name. When in fact I paid the initial transaction and should have gone to XXXX and not XXXX XXXX XXXX XXXX XXXXXXXX. This has been ongoing with no explanation given o me by XXXX. They have remained consistent with their resolution which is to contact my bank and make an unauthorized transaction report which has resulted in some disputes being honored while many are denied by Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: SC

Complaint narrative:
I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit.I specifically want to address my most recent communication on XX/XX/2024. In that correspondence, I requested EXPERIAN to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by EXPERIAN. I strongly believe that EXPERIAN employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears EXPERIAN intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding EXPERIAN to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it 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