vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-03-19 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: GA

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. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

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

And according to 15 USC 1681eb they are supposed to ensure this 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.

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 2024-03-19 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: GA

Complaint narrative:
They are violating my privacy per title 34 part 99 I never gave them written consent to put this information on my report.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education.

The Act serves two primary purposes : It gives parents or eligible students more control over their educational records, and It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

An eligible student is one who has reached age 18 or attends a school beyond the high school level.

Subpart DMay an Educational Agency or Institution Disclose Personally Identifiable Information From Education Records?

99.30 Under what conditions is prior consent required to disclose information?

( a ) The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31.

( b ) The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made.

( c ) When a disclosure is made under paragraph ( a ) of this section : ( 1 ) If a parent or eligible student so requests, the educational agency or institution shall provide him or her with a copy of the records disclosed; and ( 2 ) If the parent of a student who is not an eligible student so requests, the agency or institution shall provide the student with a copy of the records disclosed.

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( 1 ) Identifies and authenticates a particular person as the source of the electronic consent ; and

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 2024-03-19 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
ON OR ABOUT XX/XX/XXXX, I REQUESTED VALIDATION OF ALLEGED DEBT FROM CCB/DNTLFRST WITH SPACIFIC INSTRUCTION ON HOW I WOULD LIKE TO BE CONTACTED THE Y VIOLATED THE INSTRUCTIONS AN SENT A VERIFICATION LETTER STATING IT WAS VERIFIED AN NOT VALIDATED LIKE I REQUESTED ALSO THIS IS A MEDICAL DEBT AND SHOULD NOT BE REPORTED ON MY CONSUMER REPORT WHICH IS A VIOLATION OF HIPPA According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third-party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
In response to the CFPB complaint against AFFIRM, I want to bring to the attention of the CFPB that AFFIRM has mentioned extra details that had nothing to do with the point of the initial complaint. The complaint I filed was regarding inaccurate account information that I am SEEING on my credit report. It is being disclosed to me inaccurately. This is misleading to new creditors who inquire on my consumer report. This in turn damages my financial reputation. My complaint is addressing the significant fact that AFFIRM was mailed a notice of dispute on XX/XX/2024, the letter was delivered on XX/XX/2024, and I did not receive a response until XX/XX/2024, in regard to the dispute. The Fair Credit Reporting Act requires creditors to investigate within a XXXX time period. AFFIRM INC. did not do such a thing. It was until 3 days after the XXXX day ( deadline ) was up until I received communication of results from AFFIRM INC by electronic email. To be transparent, as much as I understand consumers are in fact required to be responsible when it comes to dealing with creditors, but a default DOES NOT void federal law. By law under the Fair Credit Reporting Act pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( a ) - Procedure in case of disputed accuracy, a dispute can not exceed 30 days and I am quite sure that the initial relationship that was between AFFIRM INC. and I is the cause of the apprehensiveness, but spitefulness is not above the law. Even within the Furnisher Rule Book per Furnisher Rule 660.4 ( e ) ( REGULATION V ) creditors must investigate within 30 days and no later. Otherwise, AFFIRM would in fact be liable for recourse. The investigation starts upon receipt of the letter. Ultimately the account furnished by AFFIRM is still being reported and disclosed to me by XXXX XXXX XXXX inaccurately. It is showing in the payment summary for XXXX, XXXX, and XXXX as " XXXX, XXXX, XXXX ''. This is factually incorrect and inaccurate. It is unfair and inaccurate credit reporting. It is out of compliance by refusal and denial of this fact. This account is disputed. I will also escalate this matter with my state attorney general as a result of AFFIRM 's resistance to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
Kindly eliminate these queries. I possess no information on this matter, and the company acted without my authorization.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was reviewing my credit report and came across some fraudulent activity. 

Accounts : XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$1700.00}

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 2024-03-19 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: TX

Complaint narrative:
I was reviewing my credit report and came across some fraudulent activity. 

Accounts : XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MI

Complaint narrative:
Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Amount : {$180.00} A letter was sent to 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 2024-03-19 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: MI

Complaint narrative:
Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Amount : {$180.00} A letter was sent to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 Account name XXXXt account # XXXX has violated my rights Account name XXXXXXXX XXXX  account # XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know 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 2024-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
On Monday, XX/XX/XXXX at XXXX, I attempted to call Mohela regarding a concern with my upcoming " return to payment '' status on my loans. I had previously asked Mohela, multiple times, to provide me a calculation on the number of payments made to my existing loans as I feel that they qualify for forgiveness under the XXXX XXXX plan. During prior conversations, they have been unable to provide this Most recently, Mohela replied to my written request on their website advising me to call again to discuss this and indicating that they now have experts who can answer this question. Upon calling on XX/XX/XXXX, I was presented with a voice recording indicating that the wait time to speak with someone was in excess of one hour, due to the " unprecedented scenario of multiple loans being forgiven at once. '' I was given the option of a callback within this time frame and waited. A call was NEVER received that day ( nor the next ). I even submitted a message on the Mohela site asking for someone to call me per the promise they made when i entered my callback number. No call. Each time I have tried to call since, wait times have been an hour or more. Like most Americans, I work during the day. I can't take an hour of XXXX time from work to call Mohela. The excuse on the voice recording does not seem to align with reality. I suspect Mohela is just not staffing their call center appropriately as there never seems to be a time when the wait is less than an hour. I need answers. I'm back in repayment and my student loans, which I took out in the mid XXXX, were broken apart into 4 separate loans when brought over to Mohela. 2 have already been forgiven but the remaining 2 have not been. When I called about this late last year, the rep speculated that the dollar amount on the remaining 2 was what prevented them from qualifying for forgiveness but MOHELA was the reason these were broken apart! Why am I being punished because my servicer decided to divide my loan into several smaller ones without my consent? And I don't even have official word as to whether this is the reason why these last 2 haven't been forgiven because I can't speak with anyone at Mohela. I am at my wits end and really need help in getting answers from this servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I open a prepaid credit card with capital one and had to make a refundable deposit of {$200.00}, within a few months of having the card they decided to close my account and refunded my deposit. The balance was XXXX after they refunded my deposit, however months after the account was closed they started charging me interest without my knowledge. I got a letter about 5 months after the accounts was closed claiming that I have a balance of $ XXXX all from interest because they claimed that I had a {$8.00} balance after the account was close and that {$8.00} occurred interest which put my balance to over {$100.00} plus. But the account was a prepaid account and my deposit was refunded before they close my account and the account was left with ZERO balance. They keep reporting the account on my account as open with late payments every month. I have requested them to stop reporting a late payment on my credit and lying about the account being open when In fact the account was closed with ZERO balances. I am struggling financially to fix my credit and had work really hard to build it up and this is really affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A few weeks ago, I called and made a one time payment to pay down my brother 's credit card balance with Capital One XXXX. I was very clear with the representative that this was a one time payment ONLY and that my payment card should NOT be permanently linked to the account. My brother informs me that in fact Capital One did link my card to his account and it gives him the option to use that bank account to pay his bills every month.. I find this an outrageous negligence to link my card without my permission. My brother informed me and has not used my card without my knowledge, but that is not even something I should have to worry about. A financial institution such as Capital One should take seriously that any relative making a one time payment for a family member in need does not want to have their card permanently linked to an account without permission. When I called Capital One to fix this, two representatives ( including a supervisor ) both told me that my brother would have to call to fix this. I have asked my brother to remove my card from the account and trust that he will, but I am still shocked and alarmed that I would ever have to worry about giving my bank account information to a financial institution and not be able to trust in the security and privacy of that data. If Capital One can not be trusted to safeguard bank account information of people calling in to make one time payments, then they should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-03-19 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any relevant information on this matter, and the company proceeded without my approval.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Concerto Card Company
State: WV

Complaint narrative:
I applied for and was approved for a Concerto XXXX XXXX XXXX in XX/XX/year>. I was interested in the rewards program, as I attend many XXXX XXXX games a year, and travel somewhat regularly. The relationship got off to a bad start when the plastic card itself was delayed over a month, causing me to miss multiple opportunities to engage the reward program. Upon receipt of the card I was able to use unencumbered until the beginning of XXXX, my wife and I took a trip to XXXX XXXX Florida and I had intended on using the card to pay for Hotel. Upon check in at the hotel, the card was declined... knowing I had over XXXX XXXX dollars on my credit line open I immediately called customer service. I was told there was a known problem with transactions over {$100.00} and that they should have resolution within a week. It is now XXXX, I have opened multiple customer service inquiries with the card and I continue to receive the same " it should be fixed within a week '' answer from their team. I have missed out on numerous transactions for XXXX tickets, booking flights, etc. costing me opportunities for thousands of earned points on their reward program. This card is essentially a worthless piece of plastic that is tied to my credit score, and the company does not seem very determined to fix the issue. This has become beyond frustrating. I want a honest answer on what the problem is and a realistic time frame on when it will be fixed. I have also opened XXXX XXXX XXXX complaints against XXXX and Concerto, both were closed without resolution.

Company response to consumer: Closed with explanation