vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

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 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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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. 

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 2024-08-27 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: MI

Complaint narrative:
This morning, I was completely shocked to discover inaccurate accounts on my credit report, and I have no clue how they got there. I regularly check my credit report, and this time, unexpected discrepancies just showed up. I tried refreshing my browser, thinking it might be a mistake, but the errors didnt disappear. This is really unsettling, so Im asking that the documents Ive provided be carefully reviewed so I can finally stop worrying about this.

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 2024-08-27 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:
Experian XXXX XXXX have all reported my credit score wrong some of injuries, My credit score never goes up only goes down I've had a XXXX score for A year and a half now That's all the keep reporting my score yet

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 2024-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and California 's Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code 1788 et seq., by reporting a {$6.00} past due balance to credit bureaus without providing the legally mandated validation notice. As a California resident, I am entitled to receive a written validation notice within 5 days of initial contact regarding a debt. 

The required validation notice must include : 1. Debt amount 2. Creditor 's name 3. Statement of assumed validity unless disputed within 30 days 4. Statement of right to debt verification if disputed within 30 days 5. Statement of right to original creditor 's information upon written request Discover failed to provide this notice, violating 15 U.S.C. 1692g ( a ). Their claim that I opted for paperless statements is irrelevant and does not exempt them from FDCPA compliance. The E-Sign Act ( 15 U.S.C. 7001 et seq. ), governing electronic communications, does not supersede FDCPA requirements for debt validation notices. Courts have consistently upheld the importance of written validation notices ( e.g., Hernandez v. Williams, Zinman & Parham PC, 829 F.3d 1068 ( 9th Cir. 2016 ) ).

It's important to note that while the FDCPA primarily applies to third-party debt collectors, California 's Rosenthal Act specifically extends these protections to original creditors like Discover. This means that in California, Discover is subject to the same requirements as third-party debt collectors under federal law.

The law requires the validation notice to be sent within 5 days of initial contact about the debt, not necessarily before reporting to credit bureaus. However, Discover 's failure to provide this notice at all is still a violation of both federal and state law.

This violation resulted in an erroneous late payment status on my credit report, adversely affecting my credit score and financial standing. My attempts to resolve this with Discover and Equifax have been unsuccessful.

I urge the CFPB to investigate this clear violation of federal and state law, and mandate that Discover remove the late payment status from my credit report due to their failure to provide the legally required validation notice, as supported by case law ( e.g., Russell v. Absolute Collection Servs., Inc. , 763 F.3d 385 ( 4th Cir. 2014 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: Nelnet, Inc.
State: NC

Complaint narrative:
payments were made by the bankruptcy courts to Nelnet on behalf of XXXX XXXX XXXX account number XXXX reference number XXXX the payments totals are {$12000.00}. After completing the bankruptcy and being released, the loan was transferred to SLOAN Servicing ( Account number XXXX ), however the payments totaling {$12000.00} do not appear on the Sloan Serving account and the balance on SLOAN Servicing is actually MORE than the scheduled plan for bankruptcy claim. The balance reflected for me to continue to pay after bankruptcy and making paments should have been listed to Sloan servicing as {$26000.00}. The loan amount that Sloan Servicing had listed for me to continue to pay did not equal this amount but is doubled. I was not supposed to be charged with interest, fines or penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

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 2024-08-27 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: IL

Complaint narrative:
My account with those crediotrs 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 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 in those 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 non-monetary relief
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
This account was charged off on the following date : XXXXXXXX XXXX CHARGE OFF. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights AND HAVE COST ME CONSIDERABLE AMOUNTS IN CREDIT APPROVALS. I am demanding a DELETION of the following accounts : XXXX : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX XXXX BANK XXXX Equifax : XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I called American Credit Acceptance to find out how much I've already paid on my loan & the amount I still have to payoff. I was told by a customer service rep. that I've paid {$13000.00} on my loan & have {$14000.00} left to payoff. XXXX of XXXX I purchased a XXXX XXXX XXXX with XXXX miles & a price tag with of {$15000.00} ; added extended service contract that brought a total balance due at settlement to {$19000.00}. While on the phone with ACA, I had my vehicle bill of sale in front of me as I heard these numbers that weren't making sense. I explained what i had in front of me; referring to my bill of sale numbers. I was told that {$10000.00} plus, went to the principal of the loan which I didn't understand. On the verge of a meltdown I asked for a copy of the purchase of sale from them ( American Credit Acceptance ) & got off the phone to call XXXX for a copy of their bill of sale as well. Once I saw my paperwork not mirroring XXXX & ACA I knew I had to get someone else involved. I've already contacted my local district attorney and notified them on the issue at had about a month ago ; still waiting on a response. Now following up with submitting my complaint here as well. The car is currently giving me as many issues as the loan company. It has XXXX miles on it with plenty of maintenance that's keeping me real busy paying my mechanic every other week and its valued between {$2800.00} - {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

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 2024-08-27 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: TX

Complaint narrative:
Subject : Dispute Regarding Unauthorized Disclosure of Financial Information Under 15 U.S. Code 6802 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure and use of my personal financial information in violation of 15 U.S. Code 6802. I believe that my financial privacy has been compromised due to unauthorized access and sharing of my nonpublic personal information. 

Details of the Dispute : XXXX  XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX  XXXX XXXX Balance : {$290.00} Nature of Unauthorized Disclosure : My personal financial information was shared with third parties without my explicit consent. 
Supporting Documentation : Identity Theft Report, Proof of Identity ( ID, Bill and SSN ) Fraudulent Inquiries XXXXXXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/2023 XXXX XXXX Date of inquiry XX/XX/2023 Legal Basis for the Dispute : Under 15 U.S. Code 6802, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without first providing notice and an opportunity for the consumer to opt-out, except under certain circumstances. In this case, I did not receive the required notice, nor was I given an opportunity to opt out of such disclosures. 

Requested Action : I request that you immediately investigate this matter and take the following actions : Cease any further unauthorized disclosure of my personal financial information. 
Correct any records that have been improperly shared or disclosed. 
Provide me with a written statement confirming that these actions have been taken. 
Ensure that all my rights under XXXX XXXX XXXX XXXX are fully respected moving forward. 
Please treat this dispute as urgent. I expect a written response within the time frame specified by law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute Regarding Unauthorized Disclosure of Financial Information Under 15 U.S. Code 6802 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure and use of my personal financial information in violation of 15 U.S. Code 6802. I believe that my financial privacy has been compromised due to unauthorized access and sharing of my nonpublic personal information. 

Details of the Dispute : XXXX  XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX  XXXX XXXX Balance : {$290.00} Nature of Unauthorized Disclosure : My personal financial information was shared with third parties without my explicit consent. 
Supporting Documentation : Identity Theft Report, Proof of Identity ( ID, Bill and SSN ) Fraudulent Inquiries XXXXXXXX XXXX  Date XXXX inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> Legal Basis for the Dispute : Under 15 U.S. Code 6802, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without first providing notice and an opportunity for the consumer to opt-out, except under certain circumstances. In this case, I did not receive the required notice, nor was I given an opportunity to opt out of such disclosures. 

Requested Action : I request that you immediately investigate this matter and take the following actions : Cease any further unauthorized disclosure of my personal financial information. 
Correct any records that have been improperly shared or disclosed. 
Provide me with a written statement confirming that these actions have been taken. 
Ensure that all my rights under 15 U.S. Code 6802 are fully respected moving forward. 
Please treat this dispute as urgent. I expect a written response within the time frame specified by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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