vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: VA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX / XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-10-03 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
2 weeks ago I attempted to unfreeze my credit so my wife and I could make a purchase. The person at Experian barely spoke English and was unable to assist me with that task. My account was subsequently locked out and I was told to try again after 5 days. After the 5 days, I went on their website to try and establish an account that would allow me to take care of this myself, but the website will not allow my to do so. So I called again and spent another 1.5 hours with a very nice rep who tried very hard to correct this problem. Ultimately she was also unable to set up an account for me, and unable to get a live person on the phone who could. This is a credit reporting agency that by all appearances seem completely inept. A person 's credit history and report are vital to every American and their financial health. This company should be held accountable to the people who rely on them to do their job properly. In my opinion this situation is totally unacceptable.

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 2023-10-03 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: TX

Complaint narrative:
I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 
According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

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 2023-10-03 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: FL

Complaint narrative:
Nelnet received my XXXX application on XX/XX/2023. I have called and emailed Nelnet on multiple occasions to find out why my application has not been processed. It has now been over one month ( today is XX/XX/2023 ), and I still can not get an actual date by when my XXXX application will be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
This company still insists, even after a complaint, on making me pay for a month 's worth of insurance from XXXX of 2023, even though I have insurance in full force now and there were no claim events in the month of XXXX. I was physically unable to get flood insurance due to the changes brought about by XXXX XXXX. I was cancelled by my old flood insurance because I filed a claim they did not pay, and the new insurance company required a 30 day period between my old policy expiring and theirs taking effect. I have performed responsibly and done all I can do, yet First Horizon insists I still have to pay them for flood insurance to cover a month already in the past. This is outrageous, and I will take them to small claims court if I have to. There are special circumstances in the state of FL that precluded me from having continuous flood coverage, but there is no harm and no foul due to the lapse as my flood coverage is fully in force now. I will not pay their extortion for this insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
Was contacted previously by this company claiming they would come to my job and arrest me if I didnt answer. Fast forward few days later and I receive a charge on my debit card for {$210.00} charged by a company that doesnt even exist after looking them up. I received an email of the charge amount and that they want to put installments on to my card for over {$100.00} a month. I closed my debit card and put a fraud alert on my credit reports because their voicemail revealed that they had my social security and debit card info. I filed this dispute with my bank and they have done nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
On XXXX of this year we were contacted by XXXX XXXX XXXX ( XXXX ), a collection agency, hired by XXXX XXXX in XXXX, TX. 

We inmediately responded to the debt collection agency but they did not reply or acknoledged our communications. Instead a few months later we received notices from different bank institutions that our credit score has been penalized because XXXX filed this report. We were flabagastered that they can do anything like that and we felt defenseless. Our credit report has been impleacable for decades and the action of a rogue, umprofessional agency feel they can go ahead and damaged our financial credibility is just wrong. We are seeking an inmediate withdraw of that report and we hope that CFPB would help us defend ourselves in this matter. 

We used XXXX Pools for a few months, back in 2022 but overall we had to switch to a more efficient company because of the poor quality of their service and under trained workers they had. At one point our robot needed a new valve and after reminding them 3 or 4 times they installed it... backwards!! The pool would frequently look unkept and the fountain area greenish. We owned the house for over 7 years at that time and never had greenish water on that area. 
On XX/XX/2022 they recommended us to clean the pool filters and we agreed to that charge although they quoate us higher than ever for that service ) the following day the pool system stopped working. We called and they fixed it but wanted to charge us an additional {$180.00} which we disputed. 

We were very unhappy with their handling of the issue and decided not to work with them anymore. We left repeated messages about cancelling the invoice but they kept sending it without any explanation. 

We did not agree not to sign any invoices, proposals, or contracts for these services for the month of XX/XX/2022 and we told them that we have no intention to pay for them, first to the XXXX XXXX company and then to the Debt Collection company. We dutily paid for every other invoice they sent us in the past, like we had done always with the previous company we had used. This is inmoral and probably illegal and we are seeking for some guidence to make sure they dont do this in the future to us or other people.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to update my personal information as well as to investigate the inaccuracies on my Consumer report.. I sent the information on XX/XX/ certified mail. 

tracking # XXXX received XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I applied for a loan and was denied due to a collection I was unaware of. I called the apartment complex, XXXX XXXX  XXXXXXXX, and talked to the property manager on XX/XX/. They sent me an itemized final statement in the amount of {$760.00}. I asked how to resolve the debt and remove it from my credit report and they notified me that they had sold the debt to a collections agency. I contacted the collections agency and they said I owed {$3700.00}. I had asked the agent where they got that number and they could not provide me with an answer. I had sent the itemized bill from the property manager to the collections agent and the collections agent said they would scan it in and update the amount owed. I received an email from the collections agency on XX/XX/XXXX with an itemized bill and a termination fee of {$3000.00}. The collections agency added charges that were not on the final statement from the apartment complex. They had also added interest charges, none of which were included in my leasing agreement. The collections company charges and not consistent with the final bill verified by the property manager through the apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The 3 credit reporting agencies deleted a positive account XXXX XXXX XXXX. They all told me that the data furnisher ( Wells Fargo ) deleted this positive account that was to be reported until XX/XX/2025. This makes my credit report incomplete and inaccurate, which is against the FCRA.

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 2023-10-03 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: MI

Complaint narrative:
On XXXX while at the mall my debit card and work cell phone was stolen and used to make fraudulent purchases and email account was hacked. I contacted XXXX lender on XXXX when I realized that my account was then being reported late. I had previously attempted to access my account repeatedly but was unable to do so due to countless attempts not authorized by me to access my account. On XXXX I called and spoke to a representative regarding this issue and they where able to change the email on the account and I was finally able to change the banking information associated with the account. In regards to XXXX I filled a report immediately and locked the debit card to prevent any purchases. I still to date have not received the money that was taken out of my account and have asked for updates on the status of this on the following dates XX/XX/2023 and XX/XX/2023 still no updates as of 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 non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Yesterday, XX/XX/XXXX, at around XXXX XXXX, I went to purchase XXXX airline tickets. During checkout, it showed I could apply for an AMEX card and use it on my purchase to get a {$200.00} statement credit. I did that, and then the system said it was processing. This morning, I received an email to accept my card and create an account. I did that, and at no point did it give me a card number to use on my XXXX purchase. 

I called customer service this morning and they said they could not provide me a card number until my physical card comes in TWO WEEKS, and that I also had no record of the offer to receive a {$200.00} statement credit on my account. They said there was absolutely nothing they could do for me. 

This is extremely misleading, as it seems like you could just apply for a card as part of the check out process with XXXX and receive the {$200.00} statement credit. It also is awful because airline prices change daily, and in 2 weeks I will not receive the same price for the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
Equifax has not received written instruction to furnish a consumer report on my behalf in doing so Equifax is actively committing identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
This is my second claim against shellpoint mortgage. My first claim is closed and was unsuccessful. I had several issues with shellpoint in my prior complaint and they did respond but they didnt address how they could add over {$13000.00} to my loan during the pandemic forbearance despite a federal law protecting mortgagers from this. Under the Cares act, mortgagers were not allowed to charge fees or interest during the pandemic forbearance. Im was charged {$13000.00} for signing up for something that I was told was a penalty free helping hand. In shellpoints response, they glossed over this issue. Also, I repeatedly stated that the modified payment plan that was I was pushed into a corner to sign, was not at all what I was told I was signing. I was adamant that the only way I would do this was if there were no repercussions and I could simply add the missed payments to the end of the loan. To prove this, I asked for all my phone recordings discussing this. These would prove that I was 100 % mislead. Also, I had no choice but to sign the new payment agreement or Id lose my house. The agreement that I was told over the phone that I was signing was nothing close to what I actually signed. Again, I want shellpoint to release all of the phone conversations that I had with them during this period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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. 


Has violated my rights. Or 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 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 2023-10-03 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:
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 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 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 2023-10-03 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: VA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX / XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: AZ

Complaint narrative:
I graduated from school XX/XX/2023, and applied for XXXX program for my loans. I have 3 loans, 1 in deferment, 2 say I'm still " in school ''. I've been reaching out to Edfinanical to fix this and take me out of in-school status, so I can consolidate my loans and go into the XXXX program. I have been reaching out to them multiple times via calling and email since XXXX. No one ever picks up the phone, the wait times are ridiculous like 500 minutes, and on the rare chance that I do get a callback, my request only gets forwarded without any response. It has been two months and now there is interest accrual which is getting capitalized from XXXX, and still going in XXXX. There has been no reply, I have not been able to consolidate my loans and go into active repayment and into the XXXX program.

Company response to consumer: Closed with explanation