vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: 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. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX NEVADA : # XXXX, XXXX : # XXXX, XXXX XXXX XXXXXXXX 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 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 2022-10-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2022 Someone fraudulently used my name to withdraw XXXX XXXX from my account. I reported it to the bank the next day. The bank kept saying that they were investigating. Refused to claim. This time I have to call the police. 
XX/XX/2022 Once again, someone used my name and driver 's license to withdraw XXXX XXXX from my account. I didn't leave my side during the period of my driver 's license and other ID documents. I also felt incredible, but the bank refused to settle the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: LAKE MICHIGAN CREDIT UNION
State: NY

Complaint narrative:
My computer was compromised on XX/XX/2022. Several pop-up alerts were on my computer saying that I needed to call XXXX to fix the issue, I contacted the number and someone was guiding me through several pop-ups leading to a black screen. They told me to enter certain letters, numbers, and symbols by the blinking cursor. They were talking to me about the amount of money in my bank account. They told me that I need to go to XXXX or XXXX to get gift cards, then come home, because they needed to get the information off the cards. I purchase {$4800.00} in gift card. I found out later that they took the money out of my bank account. I was very nervous about this whole issue. I have XXXX and on very heavy duty medication. I contacted my son and he told me that this is a scam. 
I contacted the police department to get a statement and a detective is also suppose to contact me. Right now I am not getting any help from anyone about this matter to get my money back. I was told by XXXX  to contact you to tell you what happened. I hope I can get some help from you. Thank you for your time in this matter.

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I put a freeze on my Experian credit report on XXXX XXXX and was advised by the automated system that I would be emailed a new PIN. I did not receive an email and have tried for the past hour today ( XXXX XXXX ) to reach a live customer service representative to find out where my email is. The Experian system will not allow one to speak to a customer service representative ; the system says that live representatives are only available " in limited circumstances '' ( which are not described ) and will not put the call through. I've tried several contact numbers and gotten the same feedback. Not helpful to consumers!

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 2022-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I have been trying to get in contact with Mohela Customer Service and the phone keeps disconnecting. I checked my online and there was no update on my PSLf count After XX/XX/2022 I currently have XXXX Tslf and XXXX PSLf with over XXXX qualified payments. Mohela never advised me I need to update my certification from my employer. I completed on XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, RI XXXX ( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.

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 2022-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
The interest fluctuate. Its never consistent. I have a 2.9 % interest rate and a monthly payment of XXXX. With my calculations thats a {$30.00} interest rate. However they say they have a daily interest rate of {$4.00}, which I am unaware of. Also I pay before due date and sometimes more. However I feel like Im being penalized for paying before time. The interest in order payment of {$1100.00} principal XXXX and interest {$230.00} on XX/XX/XXXX, payment of {$1100.00} principal XXXX, interest XXXX payment on XX/XX/XXXX, payment {$1000.00} interest {$810.00} and interest is {$230.00} on XX/XX/XXXX, on XX/XX/XXXX payment of {$1100.00} principal XXXX and interest is {$110.00}, payment on XX/XX/XXXX XXXX principal XXXX and interest XXXX, on XX/XX/XXXX payment of XXXX and principal is XXXX and interest is {$72.00} on XX/XX/XXXX payment of {$1000.00}, principal of XXXX and interest of XXXX and payment on XX/XX/XXXX payment of {$1000.00} principal of {$900.00} and interest of {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I want to remove my private mortgage insurance since the value of my primary residence on the market is about 70 % XXXX and they denied my petition since they don t recognize that the investor is XXXX XXXXThey just keep mention that my investor don't let me to eliminate or remove the XXXX  and by federal law and or regulation is supposed to be removed or at least I need a reasonable answers or options other than make a full refinance.

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 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: TN

Complaint narrative:
World Finance showed up on my credit report on twice. One account for {$140.00} and another for {$1200.00} and I have not had an account with World Finance in over 2 decades. They never sent me notification of debt when I requested it in XXXX, XXXX and still havent. So I called them and they claim to have bought the loan from a company that has since closed down in Tn. I ask for proof due to I have not had an account with XXXX since XXXX. They were rude when I called ( the female who answered the phone ). I was told I would receive proof and still never gotten it. I am requesting debt to be deleted since they failed to adhere to FCRA that states they have to send written notification within 30-45 and its going on 2 years and still havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: OH

Complaint narrative:
XXXX XXXX sc XXXX XXXX A, states I have the right to privacy. 

XXXX XXXX sc XXXX XXXX A, states a consumer reporting agency can not furnish a consumer report without written instructions from consumer. 

In accordance with the fair credit reporting act the accounts on my credit report have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 non-monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.

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 2022-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I spoke with a BMWF rep by name of XXXX several days ago, requested an extension for month of XXXX as a courtesy, due to fact the account has a little more than a year left on it, payoff quote is around {$15000.00} as of today, XX/XX/11. I was denied an extension, account is now over 30 days past due including month of XXXX I plan to make a payment in amount of {$1000.00} on or around XXXX, unfortunately, this will cause the account to become past due again for month of XXXX. I request BMWF grant extension as requested prior, due to length of loan remainder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: OH

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 2022-10-11 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: OH

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 XXXX # XXXX, Account name : 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 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 2022-10-11 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: 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. 

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 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 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 2022-10-11 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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 explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America 's check clearing practices are helping the fraudsters out there and BOFA refuses to do anything about it. In my specific situation BOFA cleared 2 mobile deposits on XXXX and XXXX for {$950.00} each. The checks were not put on hold like they should have been based on my account history of having {$250.00} MAX, i also NEVER. BOFA then goes to clear the fraudulent checks which I assumed were good. Of course funds were used and the checks then reversed out 2 days later overdrawing my account and BOFA WILL NOT ACCEPT ANY RESPONSIBILITY. BOFA should have NEVER cleared the checks they should have been rejected from the get go. PLEASE HELP!!! The fraudsters know to target banks like Bank of America for this reason! These are terrible check clearing practices!!! BOFA doesnt even look at the average balance in the account before clearing a check, nor do they look at past check deposits!!! The rep also mentioned that the mobile deposit process is SIGNIFICATNLY different than the paper check process, WHY??? PLEASE HELP to investigate these predatory practices, they are helping the crooks!!! Currently they refuse to refund my account or process my claim, if BOFA returned the check as unpaid this would have never happened. PLEASE PLEASE PLEASE INVESTIGATE THEM!!!

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