vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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:
I WAS NEVER GIVEN THE OPURTUNITY TO OPT-OUT OF HAVING MY INFORMATION SHARED WITH A THRID PARTY AGENCY. THEREFORE, MY INFORMATION SHOULD NEVER HAVE BEEN SHARED. I AM REQUESTING PROOF THAT I WAS GIVEN THE OPPURTUNITY TO OPT-OUT OF HAVING MY INFORMATION SHARED. THIS LAW IS CLEARY DEFINED BELOW : ACCOUNT IN QUESTION : XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( 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 explained how the consumer can exercise that nondisclosure option. 

A. XXXX AUTO DID NOT disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies. 

B. XXXX AUTO DID NOT give me an opportunity to direct such information not be disclosed. 

C. XXXX AUTO DID NOT give me, the consumer, an explanation of how I could exercise the non-disclosure option. 

The law basically states if ALL XXXX of these disclosures were not provided to me that this is a direct violation of the law and I have the right to exercise OPTING OUT. 

ALL these XXXX disclosures were NOT MET, therefore, I am demanding to OPT OUT of having my information reported and demanding the reporting information to be UPDATE TO PAID AS AGREED on my TransUnion and XXXX XXXX report OR I will seek to take legal action against your agency for willfully violating the law after I've clearly explained to you how you've violated me. MULTIPLE VIOLATIONS of 15 USC 1681nXXXX willful non-compliance is well in play here, {$1000.00} per instance of implied damages and much more for actual damages as clearly outlined within the title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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:
I WAS NEVER GIVEN THE OPURTUNITY TO OPT-OUT OF HAVING MY INFORMATION SHARED WITH A THRID PARTY AGENCY. THEREFORE, MY INFORMATION SHOULD NEVER HAVE BEEN SHARED. I AM REQUESTING PROOF THAT I WAS GIVEN THE OPPURTUNITY TO OPT-OUT OF HAVING MY INFORMATION SHARED. THIS LAW IS CLEARY DEFINED BELOW : ACCOUNT IN QUESTION : XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( 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 explained how the consumer can exercise that nondisclosure option. 

A. XXXX AUTO DID NOT disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies. 

B. XXXX AUTO DID NOT give me an opportunity to direct such information not be disclosed. 

C. XXXX AUTO DID NOT give me, the consumer, an explanation of how I could exercise the non-disclosure option. 

The law basically states if ALL XXXX of these disclosures were not provided to me that this is a direct violation of the law and I have the right to exercise OPTING OUT. 

ALL these XXXX disclosures were NOT MET, therefore, I am demanding to OPT OUT of having my information reported and demanding the reporting information to be UPDATE TO PAID AS AGREED on my XXXX and Experian consumer report OR I will seek to take legal action against your agency for willfully violating the law after I've clearly explained to you how you've violated me. MULTIPLE VIOLATIONS of 15 USC 1681n- willful non-compliance is well in play here, {$1000.00} per instance of implied damages and much more for actual damages as clearly outlined within the title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I requested this item be removed from my credit report via postal mail on XX/XX/year> and it was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MA

Complaint narrative:
I contacted Equifax about what was listed on my credit report. I spoke to XXXX representatives. The second representative submitted disputes without my consent. I explained to her XXXX accounts I wanted to dispute, but she insisted on me submitting documentation. The phone call was almost an hour. I explained to her that the lending club and XXXX XXXX accounts were paid and settled and were supposed to removed from my credit account. That didnt happen. The representative didnt understand and documented the information I told her incorrectly. At that point I informed her that XXXX submit the dispute myself. When I tried to submit the disputes online she submitted them anyway. I spoke to a supervisor named XXXX and he could not give me the womens name who submitted the dispute without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
CBE group continues to call me XXXX times a day XXXX days a week. They never leave a voicemail and I have spoke to them multiple times asking them to send me information about the debt and to stop calling me over the phone. I told them I will not confirm any of my personal information over the phone as I dont know who they are or what the calls are about and for them to send me a validation letter about the debt and I will be happy to contact them to speak about it if it is valid. They refuse to send me anything and continue to call me. They are not following the laws and if needed I will be getting an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
Payment was made from our account online on XX/XX/XXXX. Confirmation that transaction was processed on XX/XX/XXXX ( there is a statement in my payment history ). 

The transaction was never fulfilled despite the confirmation. They have no trace on their end of the payment. 

Weve had recurring issues with First Hawaiian Bank and their online services, and our trust in their investments towards proving safe and reliable services in the current technological environment is dangerously low.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I requested verification of debt from LVNV Funding LLC, however ; they did not provide it. They said the XXXX XXXX was XXXX XXXX. However ; they did not provide a signed signature of mine from XXXX XXXX showing the amount of this debt. I have made payments for this XXXX XXXX card over {$5000.00} and they have provided me with no receipt. No record of payments made to the credit, no records of missed payments. They are a scam and XXXX XXXX and XXXX refuses to remove this credit from my credit report and has provided no details as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: WI

Complaint narrative:
I put my house in forbearance when the company got my account and i took it out of forbearance in XXXX, the paperwork was finalized and I made my first payment in XXXX. I have been trying to get a home equity loan or a cash out - refinance but XXXX cant because the company marked my payment in XXXX as late on my credit report. Even though, I never had a payment in XXXX. Multiple companies I have spoken to told me that when you take your house out of forbearance there shouldnt have been a late payment. When I spoke to my loan officer about it, they were XXXX  and told me there was nothing they could do about it and it wasnt their problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
paypal owe me XXXX and want me to pay to get XXXX back when they owe me money.

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

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-06-06 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: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
I'm a XXXX XXXX XXXX who uses XXXX XXXX XXXX XXXX for XXXX XXXX through the XXXX website, purchased as a subscription-based platform. I typically make purchases for different licenses through this subscription-based platform and I'm usually careful with what I purchase using my card. One of the monthly subscriptions overcharged me for a non-agreed amount. I initially bought it as a one-time recurring monthly amount of XXXX dollars and depending on how many people I add to this license it would then increase this amount to reflect the amount of people licensed. Unfortunately, the company decided to charge me upfront for XXXX people, when there are only XXXX people in XXXX XXXX. I have tried to rectify the situation myself but the charges went through, and contacting them directly is impossible because they do not respond. They only respond via email and refuse to work with me regarding this refund. I contacted XXXX the day of. No response or they refuse to work with me on this issue. I need a full refund, no partials or pro-rated the subscribed item was barely used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After review of my credit report, I have discovered I am the victim of Identify Theft. See attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
I received my bill as usual. Paid it, 2 days later ( after checking that they cashed my check ) I received another bill! Now they are saying I'm past due. 
I called them, they hung up on me without answering any of my questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit. 

I am not liable for this debt with MIDLAND CREDIT MANAGEMENT. I do not have a contract with MIDLAND CREDIT MANAGEMENT. They did not provide me with the original contract as requested.

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

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
They said " unfortunately, as this is not a federal loan, it is not eligible for the loan forgiveness. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation