vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I have been a Victim of Identity Theft, I have made a police report as well as a FTC report. I have sent all documents to Experian, XXXX, and XXXX explaining the situation of my identity being stolen and in the process of getting a new SSN from the SSA office. Unfortunately, XXXX has been the only bureau that has complied with the laws. I have also bought Experian Protection in conjunction with XXXX advance protection service to help me with this issue. Neither bureaus complied with the consumer law, even after sending in supporting documents to show my identity was stolen. I have been dealing with this issue for the past XXXX years and it has driven me to financial ruin due to my credit not recovering from 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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NY

Complaint narrative:
On XX/XX/2023 a letter was sent requesting information about my mortgage. 
Unfortunately, I havent received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
In late XXXX of XXXX I received an email from XXXX XXXX telling me a collection account had been added to my credit report. This was the first time I was notified about this collection. I was never contacted by the collection company ( genesis management ). I was never contacted by the rental agency ( XXXX  ) who they were hired by to create these fraudulent and false charges against me. My phone number has not changed since XXXX of XXXX. Furthermore when I moved out of the greystar property I paid 100 % of the charges I was notified of. Despite this, the company greystar stole my deposit ( {$200.00} ) with no explanation of the additional charges and now, XXXX years later, they are attempting to steal more money through fraudulent and criminal means. Neither of these companies have ever provided one shred of evidence to justify these charges. This is a clear example of criminal enterprises working together to create fraudulent charges against innocent people such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A year ago, I submitted a request to remove my ex husband from my checking account, and he was not removed. Earlier this week, without my consent my XXXX  XXXX  closed my account. I have had this account for XXXX  years, before I was married ; and I dont understand why the bank didnt give me prior notification that this was happening. Now my deposits are frozen, all of my accounts that are paid from this account have to be rerouted to a different account, and I have no banking source.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HireRight Solutions, Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: E-Backgroundchecks.com, Inc.
State: KY

Complaint narrative:
In XXXX of XXXX, Backgroundchecks.com reported that they would not be able to freeze or opt me out of their consumer information database. Since this report accessed by POF and Tinder without my knowledge ( these companies likely included the requirement to pass a background check in their TOS, but I never explicitly authorized a background check nor did I ever receive any notification of one being performed ), I want to freeze this report so that only very intentional applications should be considered. Backgroundchecks.com claims that freezing reports is not required by the FCRA " or any other law ''. Given that they sell almost all data imaginable, this is terrifyingly obscure and opens me up to untold data collection with no ability to restrict it. See their own site at XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NH

Complaint narrative:
I contacted chime Visa where I have my online checking and savings  account in order to get transaction records printed out from XXXX  to supply to my auto loan so that I could verify that my payments were not late as they were reported on my credit report. In this process I was put through to a customer service XXXX  who needed to gain remote access to my account in which I did so. I questioned him the whole way through why he had to do it this way and he gave me a very good answer and what ended up happening was the customer service XXXX  from chime Visa or at least that's who I thought I was talking to had me put my savings into my checking so he could check both accounts as he explained to me and then all of a sudden my checking account was drained down to XXXX cents and it appeared that {$300.00} went out to a third party XXXX  and recipient whom I have no knowledge of and did not authorize. Now I have had to report my card stolen and there is an alert on my account according to chme Visa however I'm still not sure that I spoke to a proper representative and I have a new card being sent in the mail currently they stated that they would not be able to access my actual checking account and routing numbers so that a replacement card would be sufficient I am now in the process of waiting for that but I am out {$300.00} I filed a dispute with the company but I have not received any other confirmations with the exception of an email that states that I filed a complaint I did receive a text message for a code that supposedly I had requested which I did not when I received that I called chime Visa again I spoke to a representative he assured me that was because of the dispute process that I had initiated however the automated system XXXX  I clicked into that text said something about maybe adjusting the check for clarity or what not so it appears that whoever did drain my account from chme Visa or otherwise was also trying to create a check to cash on my account as well so I don't know how much information they have and I was unable to get confirmation from chime Visa themselves. I have uninstalled all remote apps and as many permissions as I believe I can to block any additional activity from this scammer and I'm now on my way to the local PD to file a report. The supposed agent gave me a transaction number that began with a $ indicating to me this was in fact a confirmation sent from a third party XXXX  such as XXXX XXXX however I do not know this person or where they are located and my XXXX XXXX history will reflect my continuous but infrequent use of it for a few certain people ( my XXXX  and my XXXX  whom we do dinner together at work on occasion )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
Debt Collector : XXXX XXXX is reporting invalidated information on my Transunion Credit report. Debt collector is still showing invalidated information on consumers credit report which is In violation of FDCPA, Debt collector has been notified via debt validation letter that reporting inaccurate/invalidated information on consumer credit report while debt is being disputed can be constituted as fraud and disparagement of credit.

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 2024-01-20 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NY

Complaint narrative:
violation of the following : I never permitted Experian, XXXX, and XXXX to report any negative information on my consumer reports, nonaffiliated third party and receive any disclosures .15 U.S. Code 6801 - Protection of nonpublic personal information15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 6802 - Obligations concerning disclosures of personal information any consumer reporting agency may furnish a consumer report under the following circumstances and no other : By the written instructions of the consumer to whom it relates. 
consumer ( c ) The term consumer means an individual. 
consumer reporting agency that compiles and maintains files on consumers on a nationwide basis The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling evaluating, and maintaining, to furnish consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide.

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 2024-01-20 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: MI

Complaint narrative:
Spoke with MOHELA representative XXXX on XX/XX/XXXX to have my payments made under the administrative forbearance for the months of XXXX and XX/XX/XXXX applied to XXXX and XX/XX/XXXX per MOHELA email received on XX/XX/XXXX. I was transferred to XXXX in billing. XXXX put in my request and advised it could take up to XXXX business days to apply. My payment was due on XX/XX/XXXX. 

Called MOHELA and spoke with representative XXXX on XX/XX/XXXX as my payment was still not applied. She looked into the situation and told me it was still processing and if the payment shows as past due to not worry as it would be retroactive back to XX/XX/XXXX when I made the request. 

I logged into MOHELA on XX/XX/XXXX and noticed my account was placed in a forbearance. Called MOHELA and spoke with representative XXXX and XXXX XXXX. I was told I was placed in a processing forbearance until XX/XX/XXXX without my consent. I requested this to be removed immediately as the month would not count towards XXXX otherwise. I was told they could not guarantee it would count and that a request would take XXXX  days to remove the forbearance. I was then told it should be updated when the XXXX does the XXXX adjustment. I asked for a letter detailing this and I was told they could not provide one as this information was on the XXXX  website. 

I read the information to the supervisor and representative directly from students.gov regarding months in forbearance only counting for XXXX or more consecutive months and that would render this forbearance timeframe ineligible. I was told sorry, we can not do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NC

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
As of XX/XX/year>, Early Warning Services contends that they are not required to freeze or opt-out any of their services, consumer reports, database entries, or other information held on individual consumers. They claim that, as a specialty consumer agency, they are not required to offer freezes. This insecure process guarantees that those affected by identity theft have no ability to control their EWS reports, nor any method of controlling the usage of that information. In an era of targeted cyberattacks against financial databases, this lack of security is appalling. EWS is not somehow special in their methods of collecting and furnishing aggregated financial and consumer information in repots- they are indistinguishable from other CRAs, and should not continue to operate without adequate regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NY

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 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In XX/XX/XXXX, I was charged by American Express for services from XXXX, a provider of teeth-straightening aligners, which included a promise of lifetime treatment. However, XXXX filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, and later announced a complete shutdown of all global operations on XX/XX/XXXX. This left numerous customers, including myself, without the promised services and support. 

Despite their bankruptcy and shutdown, XXXX has indicated that customers who financed aligners are still expected to continue making monthly payments in full. This situation is particularly distressing as the services for which I have paid can not be completed due to the company 's cessation of operations. 

I have attempted to resolve this issue with American Express. However, they have stated their inability to dispute the charge, citing system limitations. The charge I am disputing is directly related to the services that are now impossible to receive, due to XXXX 's business closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: PA

Complaint narrative:
I dispute the account that Experian reported incorrectly in my credit report and send evidence that shows the account doesn't belong to me. I sent a certificate letter to the company XXXX XXXX on XX/XX/2023. They never responded and asked Experian for the information they have to report the account and they never sent me anything, I sent the evidence of the certificate letter the past 30 days or more en still have no answer from Experian or the company, the violate my right an have 3 ore more violation to the law for not delete this account.

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 2024-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I asked company for original statement and never received it. They called my neighbor across the street and left a call back number, they call my mother in law and did the same. I contacted ExperianXXXX and they removed it twice, now 2 years later it showed back up and refuse to remove. Original report number with Experian # 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 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My Name is XXXX XXXX, I making a complaint today regarding my student loan servicer-Nelnet. My loans were transferred to them from Greatlakes, Nelnet is trying to prevent me from getting the student loan debt forgiveness. They told me they didn't have my Greatlakes payment history which the do they blocked it from the website so I could nolonger access it... they are also telling me it will to XXXX months to be switched to the save plan. I'm an XXXX student with XXXX kids, my loans have been in repayment since XXXX I was able to see how many accountable payments there were at one point on Nelnets website, now I can only see the remaining payments. I have reached to them numerous times and Have gotten nowhere, my original principal balance was XXXX with all the interest my bal is XXXX. I was young when I signed up at XXXX XXXX XXXX XXXX XXXX XXXX, had family issues wasn't able to attend as much I asked if I could withdraw they told me I could but didn't mention that I would have a Balance. I need help. I'm now XXXX XXXX kids, XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX and a XXXX XXXX XXXX. Single mom just trying to take care of my kids the best way I can. my phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: 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. 

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