vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
I recently got a Card from The first National Bank Of Omaha called XXXX XXXX XXXX XXXX. I used it to make purchases on Sunday XX/XX/XXXX. They were all online purchases and when I went to make another purchase the card was not accepted. I called the card and they connected me to the fraud department. They then asked about all the purchases and amounts and I said yes that I made those purchases. They then asked some security questions in which I answered including they wanted my drivers license number to identify me. later found out they were not to ask for this. They said my information did not match up with my account. They lady I talked to was new and didn't know what she was doing. They then told me in order to identify me I have to go to MY financial institution and Have them call the credit card to identify me or send by email notarized documents of tax records,10W40, and ID!! What card does this??? I went to my XXXX and they strongly told me that this is not a good card and they should not have to call this card company that has nothing to do with the XXXX to verify me as the card company should already have this in place. 
I called the First National Bank Of Omaha back and they told me the same things to have done to verify me and they can not tell me anything about my account and they have blocked me completely out of my online account. 
At this point they will not even close my account at my request!! They also will not tell me how much I owe them so I can pay off the card and even if they did they still will not close the account with the fraud alert on it. 
I have ready online a lot of bad reviews on the First national Bank of Omaha. There are a lot of people going through the same thing as I am with them. I believe what they are doing and requesting for access to my account is fraudulent and possibilities for identity theft. 
I have contacted XXXX and they suggested to put a freeze on my credit information in which I have done. 
I would like this First Bank Of Omaha investigated! There should be no reason they can not identify me when I entered all my information correctly when I applied for the card. They would not have issued it to me if I didn't have correct information. 
I have also been strongly advised to not send in those documents to them so I am not doing so. 
Please get back to me on your investigation. thank 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 explanation
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion did not appropriately investigate a falsely reported collections account from XXXX XXXX. I do not owe any balance to the original creditor. I asked TransUnion to have the original creditor provide the original contract and proof of balance owed. I have attempted to dispute this twice through the TransUnion dispute process online. In addition, I have called TransUnion to inquire about the investigation. I was told by the TransUnion representative XXXX, that the collections company only verified that that I was the account holder by my name, date of birth, etc. They weren't asked to provide any other proof of the balance owed. I was told by the TransUnion representative that they do not ask for any documents from the collections agency to prove the debt reported on the credit report. This collection attempt has already been removed from another Credit Bureau successfully.

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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
XX/XX/XXXX my cards were accessed and used to make false charges. At the same time someone sent themselves XXXX checks for XXXX XXXX  each, {$5000.00} total. 

I regained access to my account on XX/XX/XXXX and contacted Usaa. I was told my account would be reimbursed and to call back in a few days. It took XXXX weeks, in part because my file was never updated. 

During that time I was contacted by a data recovery scammer claiming even more of my data had been exposed. Over the course of several days he gained my trust and convinced me to authorize a transfer of {$9000.00} on a XXXX call with him and a USAA rep XXXX who I asked repeatedly whether this seemed legit and ignored me. 

After sending the {$9000.00} I decided I had been scammed and put a stop on the transfer. The same day, XX/XX/27, USAA contacted me and said they were electing to sever their relationship with me as a customer. All my credit cards, all my savings accounts, and all my checking accounts. Now my funds are in limbo for XXXX months while I wait for them to finally close my accounts and transfer my funds. 

I had been a loyal USAA member for XXXX years and previously would have recommended them to anyone eligible. Now I just want them to send me my money so I can never interact with them again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
I am interested in disputing all incorrect information from my credit report with Equifax to help clear my file. a lot of information is invalid. an is hindering my file. please update all information to help my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
Had Gym membership with XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Financial ) from XXXX till XXXX. Always have paid in full ( for the entire year ) using Credit Card with explicit understanding that no account information will be carried over or no automatic renewals will be made. Never had issues before. 
Last payment was on XX/XX/XXXX ( paid in full for a year - {$120.00} using credit card ) with end date XX/XX/XXXX, XXXX again with the agreement that membership will be terminated at XX/XX/XXXX. 
Got an email from Aldous & Associates PLLC ( Debt Collections Agency ) on XX/XX/XXXX stating that I owe {$130.00} due to " missed payments '' and was sent to collections. 
Went to XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX to inquire and was directed to XXXX XXXX XXXX ( XXXX ) to cancel the account / erroneous charges. 
XXXX XXXX XXXX still have my Account info on file, however, informed me that they're unable to cancel my account/ charges due to having sent to Debt Collections without informing or notifying me. It is highly unethical to try to charge after my gym membership ( for which I had prepaid ) ended on XX/XX/XXXX. And, it is highly unethical of XXXX XXXX XXXX to send my info to Debt Collections trying to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had money withdrawn from my account multiple times without notice or contact. The first time was at the very beginning of Covid as everything was shutting down they withdrew all of the money from checking and savings. I set up a payment agreement but was later furloughed and contacted them to ask if there was any option to renegotiate or change the payment agreement as I was out of work. I was told 3 payments would be removed from the agreement ( I asked if I would have to make them at the end or at a later date and was told no ). I made my final payment XXXX of XXXX. XX/XX/XXXX money was again withdrawn from my account and I was told I still owe the 3 payments removed from the agreement. At no point was I told I still owed money, there was never a call or mailing in an attempt to inform me that I still owed money. Over a year after I thought I had paid this off and put it behind me I was suddenly told I never had.

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 2022-12-01 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: PA

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 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 XXXXXXXX ) 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 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 2022-12-01 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: OH

Complaint narrative:
As a federally protected consumer, Transunion was informed about this fraudulent inquiry in XXXX and I filed a dispute here in XXXX. After being informed by the XXXX, XXXX XXXX that the inquiry was not confirmed to have been made by me, Transunion is still refusing to remove this inaccurate and unauthorized credit inquiry. This is causing harm to my score to continue to report this fraudulent inquiry and is a violation of the fair and accurate credit reporting act. I am attaching the letter from XXXX XXXX confirming.

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 2022-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Service
State: IN

Complaint narrative:
XXXX {$380.00} i was told, I didn't receive anything from this XXXX XXXX. Out of the blue I was getting calls saying that I owe a company I denied owning this company but the XXXX XXXX said that I do, I ask them to send me something showing that but still haven't received anything. I said if you call me again i will take action but I received more calls. I told them to not call me anymore until I received something in the mail, again that hasn't been done. I didn't receive any notice about this debt, they repeatedly call. I saved a few voice-mail from them after I have told them to stop calling. I even told them that I dispute that claim and was told I need to send it to them in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: SC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XX/XX/XXXX I went to use my debt card and the purchase was declined. I call Bank of America. All they would tell me is that my accounts are frozen and I will not be able to use any of these accounts going forward. They would not give me a reason to why. Just said that Bank of American can terminate any contract with a customer for no reason and that is what they are doing. They told me that the estimate closing date is XX/XX/XXXX. They have {$1400.00} of my money. I can't pay rent, bills or have access to money. I have never received a letter to what the issue is before XX/XX/XXXX. The account number is XXXX. Now I have an eviction because I can't pay my rent. I am behind on my bills. I don't understand how a bank can do this to a person. 
The one complaint that has been on going with Bank of America is every time I would do an online order to Target, and I would receive gift cards and use them for partial payments, Bank of America would continually charge my account the gift card amounts to me. Bank of America would say it is a XXXX issue. I have talked to XXXX XXXX, and it is not them. I have disputed every one of them. I have filed with AGO, OCC and now CFPB.

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 monetary relief
Consumer complaint received 2022-12-01 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:
My family lives in XXXX and when XXXX attacked XXXX I was obligated to fly to XXXX to save my family and help them run from there to not to die. 
The situation was horrible there, the building were my family was living was bombed. I was there for couple months to understand what to do and was not able to make any payments from there due to internet and service problems. The payments were not going thru. I went there in XX/XX/2022 and came back to XXXX at the end of XXXX XXXX.I contacted XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  and explained my situation, but they were very rude and did not even want to listen what happened. This is discrimination against people who are in danger and war. It was not my fault that my payments did not posted from XXXX and they reported 30 days late remarks on my credit reports ruining my history and scores. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  have violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-12-01 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: CA

Complaint narrative:
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 I was there for couple months to understand what to do and was not able to make any payments from there due to internet and service problems. The payments were not going thru. I went there in XX/XX/2022 and came back to XXXX at the end of XXXX XXXX contacted XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  and explained my situation, but they were very rude and did not even want to listen what happened. This is discrimination against people who are in danger and war. It was not my fault that my payments did not posted from XXXX and they reported 30 days late remarks on my credit reports ruining my history and scores. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  have violated my rights.

15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have explained my financial situation and they continue to harass me constantly at all hours of the day. I have been paying them weekly trying to get my account back in good standing with them and hopefully stop the phone calls but the late fees, overdraft fees, and interest are making it impossible. I am almost to the point of just giving up, if they are going to harass me no matter what I do, I have better things I can put this money towards.

Company response to consumer: Closed with non-monetary relief