vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America performed a hard inquiry on my credit report for a card I never applied for. I immediately put a freeze on my credit reports. I then reached out to their company and they asked for proof that this took place. I sent them the proof they asked for and received a letter stating there was basically nothing they could do about it.

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 2022-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On or around XX/XX/2022 I went in to PNC BANK to apply for a loan in the amount of {$32000.00} and was denied. PNC BANK claims that they were using the FCRA guidelines but all together failed to satisfy the XXXX mandatory requirements of having a determining factor of my denial of the loan. PNC BANK also shared my private information with third party companies without permissible purpose. PNC BANK also denied me an extension of my own credit under the FTC which is clearly credit discrimination. XXXX XXXX number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX, XXXX, XXXX, has violated my rights. 
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

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau.

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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was a victim of identity fraud. Someone went into a XXXX and XXXX XXXX XXXX store and purchased 2 XXXX at both stores. I have an open XXXX account where I tried to stop the fraud, but was too late. I was able to consult with a XXXX representative the next day and the fraudulent phones and charges were removed. 
XXXX XXXX XXXX on the other hand has completely mishandled this situation. 
They do not allow you to speak with a human being, and are required to submit a form online. I submitted numerous forms ; only for XXXX XXXX XXXX to wrongfully deny and continue seeking the fraudulent debt. 
The {$2200.00} debt went into collections and was reported to the major credit reporting services earlier this year by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. 
I contact XXXX 's legal team on XX/XX/XXXX, demanding information to validate the debt, and/or demand the debt be considered fraud. 
On XX/XX/XXXX, XXXX XXXX counsel XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, responded that it placed the account in fraud status, and requested deleting of the derogatory tradelines appearing on my credit reports. 
In XX/XX/XXXX, XXXX XXXX XXXX again sent the fraudulent debt to collections with AFNI, XXXX, who also reported the debt to the major crediting reporting agencies. 
As a result, I was hit on the interest rate on the vehicle I purchased in XX/XX/XXXX. 
Damages will be demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
GM Financial I paid on time for all of my mease payments I was approved to purchase the car at the end I gave the dealer a XXXX payment I signed documents Car was under XXXX XXXX XXXX GM Financial decided they can take the vehicle and sell it during COVID when they were getting double on the cars- and make money from me making pay for milleage NO I was already approved to get the vehicle and they did not want to give it to me- Oh they are saying they did not approve it NO they did approve it the deal was closed Crooked dishonest people and the dealer said the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im not understanding how can yall still report active duty on closed accounts Im not understanding why yall are not listening to me what are yall still telling me Im lying so if Im saying its not me yall say its caused the company says its a match, so my identity information was stolen so you telling me its a match and Im a liar well Im telling you guys its not me its not fair to listen to them and not me Im a customer and Im very unsatisfied cause of the way Im being treated Im being treated as yall dont care about the victims of identity theft,, Wat would you do if it was you and they do yall this it wouldnt feel nice please removed those closed accounts and those negative items on my account please its not me please stop reporting closed accounts on my report dragging my score down worse than wat it is please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: WA

Complaint narrative:
Contacted EdFinancial by phone on XX/XX/2022 regarding a refund of my student loan payment for a total of {$8200.00}. My reinstated loan total should be {$9000.00}. They confirmed my request and said it had been submitted for processing but stated it could be up to 6 months before the loans are reinstated and the refund is made. 

In the meantime, others who have requested after me have received their refund, but every time I check on the status of my balance and refund, they have no information. I never got a confirmation of any sort and I have no clue if anything is actually being done. I will be considering legal action if their insanely slow timeline causes me to make unnecessary payments and I want my loan reinstated as soon as possible, the refund is less important, and I can wait on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I received a letter in the mail in XXXX of XXXX from XXXX XXXX XXXX. and it said I could get help to payoff my private student loans. Being a naive, fresh out of college XXXX XXXX year old with thousands of debt, this offer sounded like the solution I didn't know I was looking for. 

Unfortunately, I fell into the trap and filled out forms, information, and sent my own bank info via email communication to have this company, XXXX XXXX XXXX, handle all of my private student loan payments. They offered me a lower monthly payment than what I was paying my XXXX loan provider, and I thought this was a good deal. In turn, I was supposed to ignore all communication from student loan providers and let XXXX XXXX XXXX. know of any contact from them. They sent me an agreement with all the dates that a transaction of {$140.00} would be taken from my account each month, beginning XX/XX/XXXX which would be used to put forth towards my private student loan while they worked on lowering my overall loan rate to have a faster payoff, and by XXXX, with my last payment scheduled XX/XX/XXXX, I would be debt free. With over {$3000.00} in payments to this XXXX XXXX XXXX. ( ending in XXXX of XXXX due to closing my XXXX  account ), all I received from my private loan company, XXXX XXXX, were phone calls, emails and warnings because I was missing payments. Little did I know, this was a scam and it wasn't until much after I realized my credit score had been altered significantly that this program was not going to help me eliminate my student loan, only further put me in more financial trouble. 

Luckily, I still have copies of forms and communication with XXXX XXXX XXXX, but I would really like to be able to get this cleared from my credit score, if those missing payments from my loan provider can even be excused. My mistake of falling for this scam and not sending over 20 student loan payments has resulted in a significant lowering of not only my credit score, but also my mother 's who is a co-signer on my student loans. I am not sure if this can ever be removed, but the detrimental impact on my credit score will be a financial burden I will have to face the consequences for along with my mother. I was unaware that I could even report this type of fraud until I embarrassingly admitted my mistake to my mother when she questioned why her own score had dropped. Hopefully, this will stop others from falling for the same scam that I fell for and other like this that are unfortunately out there in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: MOHELA
State: CA

Complaint narrative:
I have been trying for weeks to get ahold of my Student Loan Servicer MOHELA and can not get through to anyone after waiting hours on hold to try and get a refund for payments I have made during the pandemic. Initially their website " customer service phone number '' directs you to Studentaid.gov it's not even their phone number. There isn't any application for refunds or anything on their website regarding this. I Have also tried to email them from their website twice with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act FCRA these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, 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: 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. 

Accounts : 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  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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, 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: 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. 

Accounts : 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  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 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Transworld Systems is currently attempting to collects debts which are the result of fraudulent use of my identity and identity theft. The company has violated both the FCRA and the Fair Debt Collections Practices Act. The company is not licensed in states where they are attempting to collect debt. The company shares private information with employers and family members and used harassment tactics to collect fraudulent debts on my credit file in the amounts of {$1000.00} opened XX/XX/2021 {$970.00} opened XX/XX/2021 {$660.00} opened XX/XX/2021 These debts are fraud and identity theft and must be deleted from my credit file immediately under Section 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604A 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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604A 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 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: CA

Complaint narrative:
Called Tek Collect XX/XX/22 and XX/XX/22 left msg for a XXXX XXXX. I have a new evidence on the the illegal debt collection of this account and how it is being reported. See attachment for details. The reporting of this account maybe be out of compliance according to industry standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights.

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 with out 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 non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Lvnv funding has purchased it debt that was open due identity theft I contacted the credit bureaus and got them to remove the report from XXXX XXXX XXXX then lvnv funding picked up the debt placed another mark on my credit report and has been trying to collect using threatening phone calls threatening arrest and to damage my credit if I did not pay them

Company response to consumer: Closed with non-monetary relief