vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: IL

Complaint narrative:
Experian, XXXX, and XXXX all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out. 
( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


XXXX XXXX XXXX  XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - XX/XX/XXXX XXXX XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - XXXX XXXX  XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.

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 2024-03-24 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
SANTANDER CONSUMER USA is furnishing non public personal, sensitive information to consumer reporting agencies and is refusing to comply-FULLY- to my gramm leach bliley act OPT OUT request and is now mismanaging my security which is forbidden according to the SECURITIES EXCHANGE COMMISSION ( SEC ). I have submitted a TCR complaint. SANTANDER CONSUMER USA received my gramm leach bliley act OPT OUT request XXXX XXXX, 2024, today is XXXX XXXX, 2024, THE LAW STATES that if a consumer, me, notifies the creditor, SANTANDER CONSUMER USA, in writing exercising their right to OPT OUT of the sharing of their nonpublic personal information, including name, account number, and transaction history- WHICH MEANS REMOVING THE ACCOUNT-they must comply within a " reasonable amount of time. '' it has been almost XXXX days from delivery and they are only partially complying and attempting to stall my request. My personal non public sensitive information is still being shared to non affiliated third parties including consumer reporting agencies. Please see proof of mailing and SANTANDER non compliance in the attachments below. SANTANDER CONSUMER USA is now ILLEGALLY furnishing my information, and this notice is on the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some inquiries, accounts and public records that I did not authorize and also have no connection to me, I have also attached the evidence in accordance to these erroneous claims. I am a victim of XXXX XXXX and would like these stated inaccuracies that have no permissible purpose to be on my report removed. All inquiries and accounts and other erroneous reports should be removed due to violation of 1

5 USC 1681b. According to 15 USC 1681
: As the consumer I have the right to privacy and I did not give Experian or ANY other bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' 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 explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc.
State: IL

Complaint narrative:
XX/XX/XXXX and XXXX I was charged XXXX Under XXXX billing policy states they do not bill as this rather the actual service provided i.e XXXX  or XXXX XXXX, etc after explaining this to dasher direct several times I was still told to dispute with XXXX even though this is not legitimately them, I'm out of almost XXXX. Dasher direct refuses to reimburse me for an obvious fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
Sofi emailed me on XXXX XXXX, 2024, that my account had been temporarily restricted. XXXX also left a voice mail on the same day, requesting a call. Sofi then emailed me on XXXX XXXX, 2024, that " the temporary restriction on your SoFi bank account has been lifted. All functionality has been restored to your account. '' However, when logging in to Sofi, I still see my savings and checking accounts frozen. I have {$150000.00}. in checking and {$100000.00} in savings, which I can not access. I called Sofi twice ( XX/XX/XXXX and XX/XX/XXXX ) to resolve this issue but they told me that their security team was reviewing without giving me a timeline on resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Tried to make payment to the company than when I did they said I didn't make the payments. They repossessed the vichicle and than would not give me a chance to get the car back. than would not give me a pay out. than they sold the car for XXXX than said I owed them the full amount of the car plus interest on that amount. and its been over 8 years ago on this loan

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 2024-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I called XXXX to set up service for mobile hotspot. The person I spoke with said they package I would be getting would be unlimited data. Used the service for about 4 days before the data was slowed dramatically. Immediately called XXXX to report the issue only to discover that they had limited the amount of data service I was able to use because I had exceeded 30 gigs of data which they showed in the system was my plan versus the unlimited plan I had been told over the phone. Although they brought the issue to my attention by limiting service they also didn't do so until after 280 gigs of data had been used causing the enormous bill. I called repeatedly for months but could only reach over seas call centers that basically said I need to pay the bill or they would turn over to " collections ''. They refused to provide the requested documentation showing what I had agreed to versus what I was provided. Ultimately, I started to receive emails for a " collections '' company who come to find out was an inhouse debt collector for XXXX. More recently, they switched debt collectors. The new collector has been requesting for a 1/2 invoice settlement. In the meantime, XXXX is limiting our ability to purchase new products as a result of the bill and their collections emails have never once stated that the purpose of their letter was for the intent of collecting a debt. During the porcess of my initial months of repeated calls to XXXX, I learned that the person who originally set me up with the service, over the phone, couldn't add the device to our business account because it already had XXXX devices on it. This is important because our business account is all unlimited data. They had to create a new account in order to apply the XXXX device and that's where I believe the unlimited data was lost but I was never made aware. Further, XXXX is limiting our ability to purchase new services and devices on the business account even though the device with the complaint was set up on a different account. We feel as though we have been mislead, refused help and documentation when we've asked for it, and ultimately penalized and threatened for a situation created by XXXX themselves.

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 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: TX

Complaint narrative:
This company has already tried to make a debt collection that I paid off, and won't give information unless I write them directly.

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 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
This company midland credit management it calling my phone multiple times per day, multiple times per week asking for someone else. I have told them many times they have the wrong number, many times to stop calling. They are constantly robocalling my number. I have spoken to many people as recent as today at XXXX demanding that they stop harassing me for someone elses debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
The company made me sign up for other offers in Order to get my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: NY

Complaint narrative:
I XXXX from XXXX school XX/XX/XXXX. XXXX started billing me one month later before the pause on student loans was even lifted. I filed for IDR but they still reported my account as 90 days past due on experian. I disputed it but they have not taken it off my credit report. It is my understand that student loans have a grace period after graduation before repayment begins. It is also my understanding that the law passed by the federal government was supposed to protect borrowers from having their accounts reported until XXXX of XXXX. I would like the 90 days past due to be removed from my credit report. According to emails I received in XXXX of XXXX the loans still should have been on pause but I was receiving bills as early as XX/XX/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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )

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 2024-03-24 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: DE

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following personal information is incorrect. Delete and update immediately.

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 2024-03-24 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: DE

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following personal information is incorrect. Delete and update immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I XXXX from XXXX school XX/XX/XXXX. Nelnet started billing me one month later before the pause on student loans was even lifted. I filed for IDR but they still reported my account as 90 days past due on XXXX. I disputed it but they have not taken it off my credit report. It is my understand that student loans have a grace period after graduation before repayment begins. It is also my understanding that the law passed by the federal government was supposed to protect borrowers from having their accounts reported until XXXX of XXXX. I would like the 90 days past due to be removed from my credit report. According to emails I received in XXXX of XXXX the loans still should have been on pause but I was receiving bills as early as XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent my letter off on XXXX XXXX I told the credit bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. Here is the tracking number XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Company is not authorized to collect debts in florida or Georgia. debt amount is XXXX this is an unauthorized debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: AFNI INC.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : AFNI INC . 
Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I contacted XXXX XXXX loans about it right away when I got alert from XXXX Credit bureau. I believe, I am victim of identity theft. XXXX XXXX loans said they sent request XXXX different times ( first in XX/XX/XXXX, second time XX/XX/XXXX and third time in XX/XX/XXXX ) to all credit bureaus to delete the inquiry. So far only XXXX has updated my record by deleting unauthorized hard credit inquiry. Contacted TransUnion and XXXX to dispute via phone and online with no luck and denying that they have not received any deletion request from inquiry originator.

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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Dear CFPB, I am writing to file a complaint against LVNV FUNDING LLC for violating the Fair Debt Collection Practices Act ( FDCPA ). 

Nature of the Complaint LVNV FUNDING LLC has contacted me regarding a debt they claim I owe. However, they have failed to comply with several key provisions of the FDCPA : Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : I have not received any written communication from LVNV FUNDING LLC providing validation of the debt, including the amount, the creditor 's name, and my rights to dispute the debt. 

Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair and meaningful opportunity to dispute the validity of the debt.

False or Misleading Representations ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) ) : By placing a collection on my credit report without proper validation and dispute opportunity, LVNV FUNDING LLC is using false, misleading, and deceptive means to collect the debt.

Request for Relief I request that the CFPB investigate these violations by LVNV FUNDING LLC and take appropriate action to ensure they comply with the FDCPA. This may include : Ordering LVNV FUNDING LLC to cease all communication regarding the debt until they have provided proper validation. 

Ordering LVNV FUNDING LLC to remove the collection from my credit report if the debt is not validated. 

Ordering LVNC FUNDING LLC to pay any damages caused by their violations. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have been trying to get this resolved since 2017 and the bank representative will not send us copies of the documents showing that we signed for the loan. Were requesting copies of the transcript of the mediator selected by the bank representative to resolve our case. The bank representative has sent us checks in the amounts of {$200.00} with no explanation how they calculated the checks amounts. We have gotten letters from the bank representative strongly suggesting that we need to cash the checks without any explanation of the proof of how the amounts were found. I am going to attach copies of the documents that we received from Wells Fargo Bank. We still feel that we are being discriminated against because of our age and race.

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