vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Your company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: GA

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2022-07-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX  Acct # 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 an account without my written instruction

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 2022-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I've attempted to payoff my Wayfair credit account via Comenity.net, numerous log ins, error message states account closed, unable to make payment. The number provided on site called most recently, the rep spoken with advised no settlement offer available if paid off in full, was told to call collections when account past due... There are at least two late payment fees on the account which are questionable and I believe could be removed as part of settlement amount, if offered.. As stated before, no such offer is available as account is not past due, according to rep spoken with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: EAST WEST BANK
State: NY

Complaint narrative:
The east west bank located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX telephone number XXXX refused to cash a bank written by East West Bank for a XXXX XXXX XXXX account in care of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The bank representative claims that there are no funds inside of the XXXXXXXX XXXX XXXX  account, and I believe that he is denying or refusing to cash the check based on my XXXX and nationality. The check was written out of a bank that is primarily from the XXXX community and I believe because I have for an extended period of time dealt with XXXX issues with the XXXX community constantly denying me services at simple places like laundromats and public places like public gyms where I pay fees to enter therefore I believe that at this bank the same practice is being done with regards to the check that was presented to them today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$100.00}

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 2022-07-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION
State: SC

Complaint narrative:
We were notified that due to too many NSF fees our account would be closed. I went to the branch and we discussed our plan to help this situation. Since then I did have two more that I was under impression I took auto pay off because the dates didnt match for a good time to be pulled out. Since that XXXX, 2 business days later my husbands and I were Immediately took from our account login and debit card accessible to be used. We received no phone call warning this or letters for this time of round. We are trying hard and I was just in the branch and its not even been 30 days to get our finances on a new schedule with my husbands new job and the branch went ahead and closed our joint acct. we have a good jobn with income and very confused and upset and hurt this credit union was not more understanding for struggling low income family like ours. We have three kids and we cant afford to just have us cut off with no date of when this would even be effective. Credit union 's are suppose to be helpful and not like your traditional franchise banks. Not one time did the bank reach out for solutions, I had to dig and go up to the bank personally. Even then it was of very little. As a low income mother just working full time to get by, a little more advice and solutions would go further then penalties, and fines everywhere. 

Please help us.. 

Date of birth XXXX XXXX XXXX Name : XXXX XXXX XXXX Last 5 of social : XXXX Joint acct ending XXXX Cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I want FIRST NATIONAL BANK OF OMAHA to remove all late payments from my credit report. 

I'm aware my non-public personal information ( such as negative information ) should not have been disclosed to any non affiliated third parties, such as debt collectors or Credit Reporting agencies without my lawful consent. 

I ask that FIRST NATIONAL BANK OF OMAHA remove all information from my credit report, I was never given the opportunity by FNBO to opt of credit reporting.

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 2022-07-11 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This complaint is regarding Account # XXXX. I notified Chrysler Capital and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX Chrysler XXXX XXXX XXXX in XXXX XXXX XXXX was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in Chrysler Capitals possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle XXXX # XXXX. I asked that Chrysler remove this account from all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I submitted a written request for cancellation of my PMI ( private mortgage insurance ) through PHH Mortgage using their official cancellation form. I included a check for the requested amount of {$150.00} to pay for an appraisal of my property. My loan is over XXXX years old, originating in XX/XX/XXXX. The value of my property has increased significantly since obtaining the loan. I have never been late on a mortgage payment and my account is in good ( perfect ) standing. The {$150.00} payment was applied on XX/XX/XXXX. I called to check on the status on XX/XX/XXXX, and to ensure that the {$150.00} payment was correctly applied towards an appraisal because my online account did not specify. I was told that they had my paperwork, the payment was correctly applied, and to wait 20-25 business days from the date the payment was applied before expecting to hear from the cancellation department. By XX/XX/XXXX I had still heard nothing, and called for an update. I was told by the customer service representative that he would personally look into my case and either call or email with an update within the next two weeks. I never heard back. I called on XX/XX/XXXX and this time was forwarded to an " escalation manager '' to look into the issue for me. I spoke with XXXX who was very nice and helpful and said she would be in touch with the PMI cancellation department and should hear back from them within 10 days, and that I would receive communication via email from her with updates. I received an email on day XXXX and day XXXX. Both times I was told that they were " still thoroughly researching the issue '' and would be in touch within the next five business days. I have been told by every representative I have spoken with that even though the PMI cancellation department is busy that someone should have contacted me within 25 business days of my payment for appraisal being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/2022 : I received a debit card on XX/XX/2022 that I did not apply for. I attempted to call the Netspend customer service number and was unable to talk to a representative during a 30 minute wait time. I called 5 times with waits of over 15 minutes, and still to no avail. There is no fraud number available to reference to in the caller menu, as I was attempting to report this account as fraudulent.

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 2022-07-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Please do not close this complaint stating that this is not me. I am writing this because, I sent TransUnion letters disputing the validity of the inaccurate/fraudulent information that they have on my credit report. I reached out to this company about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for this company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.

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 2022-07-11 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: NV

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received a letter from Resurgent Capital stating I have a debt of XXXX i have no knowledge of this debt. I later contacted XXXX who has no knowledge of a account ever being in my name or any order ever being placed in my name. I asked them to contact Resurgent an clear this up they ( XXXX ) stated '' We can not. '' I spoke with XXXX XXXX from Resurgent Capitol whom stated " We cant contact XXXX. '' Im not sure of how these people received my name and address however i want my personnel information out of their computer system. I have not purchased anything from them. Its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NM

Complaint narrative:
I received a phone call, ( XXXX ) XXXX from XXXX, MI. They were trying to get access to account saying they were Current XXXX XXXX. Which my bank is with Current, an internet banking app, they were asking for my text confirmation number and I provide them the number to access account not thinking about fraud. They had said that I had a transaction from XXXX which was totally not true, so I " Tried '' contacting my bank through app messages because that's the only way of contacting them ... which was quite frustrating due to the fact that somebody had access to my account, he/she could not help for any kind of account freeze or anything so my only option is you guys. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did n

ot grant you authorization to review my credit report. The Fair Credit Reporting Act req
uires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. I
f you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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 2022-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MS

Complaint narrative:
1 Remaining Negative Account. 

Account Name : DISCOVER BANK Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, 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: Transform Credit Inc.
State: GA

Complaint narrative:
Im reporting Transform Credit Inc . I never opened a loan with them and I sent a dispute with XXXX and they say that transform will remain in my credit and like I said I never opened anything with them and they are charging my credit card every month I want them removed this is fraud and Ive dealt with fraud in the past I dont want to go through this again because someone else can be using my identity this is very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX acct 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 an 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 non-monetary relief