vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 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: NY

Complaint narrative:
I was a victim of the XXXX data breach. I want these items Deleted from my credit 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
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
You do not have my permission to share my nonpublic information to unaffiliated third parties, namely XXXX, XXXX, and XXXX. 

Not only is the information being reported to the consumer reporting agencies inaccurate but also I have the right to privacy under 15 USC 1681a ( 4 ). I was not properly informed of my right to opt out and would like to exercise that right, pursuant to 15 USC 6802. There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Pursuant to 15 USC 1602, as of being informed of my desire to exercise my right to privacy, the reporting of this information is now an unauthorized use of my social security card for which I receive no benefit. Continuing to do so would make you negligent and could further damage my reputation and perceived creditworthiness leading to more financial damages for which you would be criminally and civilly liable should I have to resort to taking legal action, pursuant to 15 USC 1681o ( a ) ( 1 ) and 15 USC 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: MD

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. I told Experian, XXXX, and XXXX to reinvestigate these accounts. I received a 5071C letter from the IRS a few years ago stating that someone tried to file taxes with my identity. I believe that since then this person has been applying for the following accounts that I did not authorize. 

XXXX XXXX : XXXX XXXX XXXX XXXX Account # XXXXXXXX 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

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 2024-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I have no idea what and who this is! They said I needed to contact them by XX/XX/year> which is what I am doing with the CFPB. They need to provide documents I requested according to my consumer rights!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: GA

Complaint narrative:
XXXX did not represent themselves as XXXX. However, they are currently reporting the last payment amount was XXXX This is inaccurate information. The last payment amount was XX/XX/XXXX. Please have this company send a validation letter showing I did purchase the car with identifying information. 

The car is showing reposession. Please have them show the last date of payment. The day the car was reposessed. 

Transunion is reporting the balance amount is XXXX this is incorrect. They are also showing the past due amount is XXXX this is also incorrect. Please have all necessary documentation to show that a balance is owed on this car.

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 2024-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' KOHLS/CAPONE, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, KOHLS/CAPONE whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: 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. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Fraudulent Transaction, in my statement. Creditor informed me. I disputed the amount. Further, They have increased the interest charges upto 27 %. But I have been agreed to pay 6 % as introduced. previous balance in XXXX, was {$570.00}. 
They have increased the balance upto XXXX in XX/XX/XXXX. 
There were no transactioins since, made by me from XX/XX/XXXXto date. The Account has been closed.There was a Fraudulent transaction has made on XX/XX/XXXXXX/XX/XXXX for {$190.00} I objected and Disputed. 

I already have reported this case.with CFPB, on XX/XX/XXXXXX/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 2024-01-16 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: CA

Complaint narrative:
I contacted Mohela XX/XX/XXXX to have my loan repayment plan changed to the extended graduate repayment plan. It is currently XX/XX/XXXX, and my plan has yet to be changed. I have spoken with many different Mohela supervisors over the course of six months and, in addition, submitted a prior complaint on the CFPB data base ( Complaint ID : XXXX ). Each time I have been told my repayment plan request change has been " expedited ''. Some supervisors have gone so far to say that my plan would take effect " when we get off the phone '' or " at the end of this business day. '' None of that has been true. I have also repeatedly asked for the notes they have about my account and have been told they would be sent over... but they never have. 

I was making payments from XXXX to XXXX ( still on the repayment plan I did not want to be on ). In XXXX I received a notification from Mohela that my XXXX billing statement was given to me less than 21 days from the due date so Mohela was putting my account on an administrative forbearance and any payments made between XXXX and XXXX of XXXX  would count toward future payments ( or refunded if requested ). This was also Mohela 's resolutions for my prior CFPB complaint - even though my repayment plan still has not changed. However, since then I have neither been refunded nor have my prior payments gone toward my future payments as specified. 

I called Mohela yet again the beginning of XXXX. This time the representative told me ( XXXX ) my request was still pending but " someone at Mohela didn't submit it correctly ''. Excuse me, what?! It's been XXXX month and I've talked with at least XXXX supervisors at this point. Is this true? If this is true, why was I not notified? I feel like I can't trust anything their representatives say though because nothing about this account has changed even when supervisors " guarantee it will be done by the end of the week ''. 
( XXXX ) He noted how my account still says I owe XXXX XXXX  in XXXX even though I made payments from XXXX - XXXX totally {$16000.00}. My minimum payment is roughly XXXX dollars on the repayment plan they won't take me off for whatever reason. So, as confirmed with this representative, my XXXX bill ( and many future bills ) should be accounted for in my XXXX to XXXX payments. But for some reason Mohela is still saying I owe money in XXXX despite their own written correspondence saying these payments would apply to my future payments. 

So when will Mohela change my repayment plan and when will either my prior payments be refunded or counted toward future payments? 
I believe Mohela is mismanaging my loans and not being honest in their financial obligations to me, the borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: NY

Complaint narrative:
I was a victim of the XXXX data breach. I want these items Deleted from my credit 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
Consumer complaint received 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: NJ

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had four late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) XX/XX/2023 XX/XX/2023 XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

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 2024-01-16 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: NJ

Complaint narrative:
these inquires on my Transunion credit report should be removed they are fraudulent and weren't authorized by me 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

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
BridgeCrest did not represent themselves as XXXX. However, they are currently reporting the last payment amount was XXXX This is inaccurate information. The last payment amount was XXXX  Please have this company send a validation letter showing I did purchase the car with identifying information. 

The car is showing reposession. Please have them show the last date of payment. The day the car was reposessed. 

XXXX is reporting the balance amount is XXXX this is incorrect. They are also showing the past due amount is XXXX this is also incorrect. Please have all necessary documentation to show that a balance is owed on this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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:
I reacheed out to yu all early XXXX of XXXX  and I am very disappointed in your respoinse, the issues were not resolved and I am still going through these issues. There are 2 collections that are on my credit files that do not belong to me and must be removed asap. They were caused by identity theft I am assuming. ALl I know that I DID NOT CONSENT TO DOING BUSINESS WITH THESE 2 COMPANIES NOR WAS I AWARE OF THESE COMPANIES UNTIL XXXX OF XXXX WHEN I INITIALLY REACHED OUT TO YOU ALL. YOU KNOW THAT XXXX ALL ARE VIOLATING MY RIGHTS AS ACONSUMER AND THAT BY FURNISHING INFORMATION THAT I DID NOT AGREE TO MOR WAS I AWARE OF I CAN TAKE LEGAL ACTION WITH YUR COPANY FOR FALSELY REPORTING INCORRECT INFORMATION... There is also a Collection reporting on my child support,, i was never late and that needs to be removed asap! 

Furthermore, I would like to remind you of two laws that indicate you can not report this type of information to my credit report. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION. No consent is fraud therefore you can not legally report this alleged late payment to my credit report AND 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report indicates that any credit transaction should be excluded from a consumer credit report, if a social security card was used in the transaction. My social was used in this transaction therefore you can not legally report this information. 

PLEASE ESOLVE THIS MATTER ASAP.

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 2024-01-16 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: FL

Complaint narrative:
I reacheed out to yu all early XXXX of XXXX and I am very disappointed in your respoinse, the issues were not resolved and I am still going through these issues. There are 2 collections that are on my credit files that do not belong to me and must be removed asap. They were caused by identity theft I am assuming. ALl I know that I DID NOT CONSENT TO DOING BUSINESS WITH THESE 2 COMPANIES NOR WAS I AWARE OF THESE COMPANIES UNTIL XXXX OF XXXX WHEN I INITIALLY REACHED OUT TO YOU ALL. YOU KNOW THAT YPU ALL ARE VIOLATING MY RIGHTS AS ACONSUMER AND THAT BY FURNISHING INFORMATION THAT I DID NOT AGREE TO MOR WAS I AWARE OF I CAN TAKE LEGAL ACTION WITH YUR COPANY FOR FALSELY REPORTING INCORRECT INFORMATION... There is also a Collection reporting on my child support,, i was never late and that needs to be removed asap! 

Furthermore, I would like to remind you of two laws that indicate you can not report this type of information to my credit report. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION. No consent is fraud therefore you can not legally report this alleged late payment to my credit report AND 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report indicates that any credit transaction should be excluded from a consumer credit report, if a social security card was used in the transaction. My social was used in this transaction therefore you can not legally report this information. 

PLEASE ESOLVE THIS MATTER ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
On XX/XX/2023, my XXXX XXXX was charged for the XXXX XXXX toll but I was sent a collection notice for a toll that had already been paid. I submitted copies of the payment statement and they refused to remove the collection, and stated that I was still responsible even though it was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST HAWAIIAN, INC.
State: OR

Complaint narrative:
First Hawaiian Bank ( FHB ) purchased an insurance policy for my mortgage prior to the current policy lapsing. I have documentation that FHB purchased an insurance policy on XX/XX/XXXX even though policy didn't expire until XX/XX/XXXX. My account was then charged on XXXX for {$37.00}. I spoke with FHB representative XXXX XXXX on XX/XX/XXXX and she said it was an error on FHB end and that I would be credited back he {$37.00} within a couple wks. It has now been over a month and I haven't received a refund and when I reached to XXXX last week ( XX/XX/XXXX ) she never responded.

Company response to consumer: Closed with monetary relief