vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
On a recent trip, I responded to an offer from XXXX XXXX for their card which is apparently offered by something called fnbo ( yeah that's all it says ). I was surprised to be rejected ( it's been decades ) and then started getting credit card and loan offers from XXXX and I assume there will be others. While I don't want the card, I want to record this in case there is a pattern of bad behavior with this outfit. I'm hoping I haven't stepped in a data trap.

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 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sarma
State: TX

Complaint narrative:
Sarma Collection has called me dozens of times over the last few month over an alleged debt. One rep, XXXX XXXX has left multiple messages which I have log of. On XXXX XXXX XXXX called my brother, XXXX XXXX on his cell XXXX asking if he knew me and mywhereabouts. XXXX XXXX has all my contact information having called my phone multiple times and has no reason to call my brother, XXXX XXXX XXXX XXXX' and XXXX XXXX negligently failed to comply with its obligations under the Fair Debt Collection Practices Act ( FDCPA ). HE has my phone number and I choose not to speak with him or his company. That does not give him the right to call my relatives

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove 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

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove 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

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 2023-12-06 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
There is fraudulent credit inquiries on my credit report. I believe it is related to the data breach on XXXX, my information was exposed back then. 
Please have them removed : XXXXXXXX XXXX XXXXXX/XX/2023. 
XXXX XXXX XXXX XXXX XX/XX/2023. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2023.

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 2023-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Today is the XXXX XXXX XXXX XXXX XXXX I made a call to AMERICAN HONDA FINANCIAL to request a contract from a previous vehicle, the phone operator XXXX XXXX XXXX  was very rude, disrespectful, denied me any access to speak to a supervisor also blocked my number from being able to connect to another operator, he was more concerned of my late payment which i expressed ive sent out a payment to the indenture trustee of XXXX XXXX  in care of acura financial, also ive sent out the coupon that acura financial has sent me in a BILL OF EXCHANGE and gave me until XXXX XXXX XXXX  to pay for the vehicle. he wanted to know how what when and why I was late with an attitude as if im dealing in any business with him, i am not. not profession not understanding even when i expressed the mail has been sent REGISTERED ( SECURITY ). he then called me back at XXXX XXXX  pretending to be someone else, until i recognized his voice, after he started threating to have my vehicle for impound! im am filing for harrassment this is no longer accepted. i refuse to do anymore business with AMERICAN HONDA FINANCIAL. filing a complaint with XXXX, FTC, CFPB, USA.GOV, local news, etc. I dont not feel comfortable after that conversation, i was looking for help and renn decided to make everything worst than what it already is. ive already been extremely stress this has been a very tough year. no excuse even if im late on my bills i pay in full! with late fees as well, never complain cause i love my vehicle. sometimes things just get hard thats life until u figure it out the best way. also im reporting the fact that AHFC HAS has been reporting on my credit report which i gave no authorization to do according to the fair credit act and the 15 U.S CODE 16811681b ( 2 ) ,1681c, P.L , 90-321 ( 82 STAT.146 ) ,12 CFR 1022.3

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
On XX/XX/XXXX, I received an email from the US Department of Education indicating that my student loans are eligible for forgiveness and that the Department of Ed would be reaching out to Mohela to process this within the coming months. On XX/XX/XXXX at XXXX XXXX, I reached out to Mohela to advise of this and to request that my payments be suspended until the forgiveness is processed. I was told I would be placed on an administrative forbearance until XXXX to allow time for forgiveness to be processed. Further, I was assured that NO payments of any amount would be due during this forbearance. Despite this, on XX/XX/XXXX I received an email from Mohela advising that my account is past due. I have attempted to call back to Mohela to speak with a manager but " due to high call volume '' none are availabile. When I told the agent I was willing to wait for a manager to be available, I was placed on a perpetual hold. After holding for an hour and a half, I was forced to disconnect the call as I needed to get back to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting 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: PR

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
The report contains inaccurate information and company failed to provide the information I requested. XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The report contains inaccurate information and company failed to provide the information I requested. XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate 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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Check that was deposited on XX/XX/2023 for {$40.00} was returned on XXXXXXXX and deducted from my account ( Check # XXXX ). The same Check ( # XXXX ) was returned again on or about XX/XX/2023. It is an obvious bank error because the same return item was deducted twice from my account. I called Wells Fargo today and spoke to XXXX and XXXX in escalations. They filed a dispute and a complaint but was unable to resolve this obvious bank error.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX a 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 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: AL

Complaint narrative:
The debt collector engaged in the unlawful, abusive, deceptive, and unfair practice of the FDCPA which it prohibits. They furnished this account that I don't agree with and I didn't sign an agreement or any legal contract. A contract is an agreement between two people and I did not participate in any contact with this company. They did not follow the proper process of validation, which makes these unfair practices according to FDCPA. In addition, I am entitled to $ XXXX for this violation. 

An FCRA violation refers to a violation of a federal law that regulates that collection discrimination and use of consumer discrimination and use of consumers regulation agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank IRA CD Requested transfer to another bank ( XXXX ) on XX/XX/2023 at renewal date of XX/XX/2023. After numerous calls and requests and faxes sent from XXXX to US Bank, as of today XX/XX/2023 the transfer still has not been processed.

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 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
My employer directed several XXXX dollars towards my XXXX loans held by MOHELA as a retention incentive. My employer intended this sum to be disbursed evenly across my upcoming monthly payments as pay ahead, but MOHELA erroneously applied the amount in bulk to the principle. I have called MOHELA approximately 8 times since XX/XX/2023 attempting to get this problem resolved. Each time, I spend between XXXX and XXXX hours on hold and when I eventually reach customer service, I am assured the issue will be resolved within 3 to 5 business days. It has been 2 months and the problem is not resolved. In the meantime, MOHELA continues to attempt to charge me monthly payments I do not owe, and will report my delinquency to credit agencies within 90 days. I have no further recourse on resolving this issue, as I have been making good faith attempts with customer service for 2 months now, and I can not afford to make payments I do not owe or have my credit score impacted negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I had previously disputed inquiries on my credit report in XX/XX/2023 that were made fraudulently. 
I had sent documentation pertaining to removal of these items.

However this did not ensue.

I called in to find the investigation took longer than 30 days and the company did not respond, therfore if information can not be verified it is automatically removed from the report in accordance to FCRA 605b.

By law this I formation was to be removed. 

I had provided an FTC report along with a police report that stated these inquiries and fraudulent information be removed from file. Inclusive of this my ID and SSN was attached alone with FCRA 605b and a letter for removal. 

However even with this information this did not occur and there have been multiple inquiries posted to the account without my consent. 

I therefore request that inquiries that are on the FTC report be removed from along with ANY other accounts that are not mine. 

I feel XXXX did not adhere to this and ultimately were rude about it. 
I feel I was treated unfairly and passed around.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023, I went to a Citibank branch in XXXX to submit a wire transfer to a business associate. Because the wire transfer was for a large amount, {$48000.00}, I decided to visit this local branch to complete the transfer to avoid any delays or restrictions. The banker who assisted me processed the transaction and gave me documents that confirmed that the funds were transferred to the recipient. They waived the wire transfer fee for me as well. XXXX minutes after I completed the transaction, I was unable to access my account so I went back to the branch where I completed the transfer and they informed me that my account has been closed without providing me with any reason. They also reversed the wire transfer so my business associate never received the funds. They informed me that they will mail a closure letter to my home. I reached out to customer service after to find out when my funds would be returned to me that was available in my account before the closure and they informed me that they will not be issuing me a check. The informed me that my remaining balance was returned to the previous company that paid me and that I would have to retrieve my funds from them which wont be available for at least 60 days from the time when they initially closed my account for no 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 explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
fraud or identity theft caused by the Equifax data breach, between XX/XX/XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! Also i would like this inaccurate public information removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i made no credit application with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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