vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had signed a contract with a company called Elevated Diversity on XX/XX/year> and received an equipment check from them for {$4900.00} and tried to deposit the check into my checking account with Huntington Bank. Unexpectedly, Huntington Bank locked me out of my online account immediately afterwards ( same day ) so I could not login to check funds and they also locked me out of ATM usage with my debit card. I could not make a deposit or even check my balance. When I went into the XXXX, Ohio branch of Huntington Bank on XX/XX/year>, I was informed that funding for the check would not be available for a few days until it clears with the other bank. They could not provide any information about why I could not use the ATM or XXXX to my online account. I was informed on XX/XX/year> the check was not funded by the other bank and had to be returned. I went into the XXXX, Ohio branch again to find out if they could open my access to the ATM and my online account. 

Shockingly, Huntington Bank decided to close my account and they were blaming me for the bad check from this employer. They gave me my remaining funds and told me I would receive a letter regarding the account closure. 

This could never be the fault of the customer because certainly every XXXX expects their employer to give them checks that have funds behind them and secondly, there is no risk for the bank because their software knew the other bank wasn't funding the check, so they were not vulnerable. Third, locking me out from ATM usage and my online account damaged my ability to make deposits and ensure my bills were being paid. Huntington failed to pay one of my creditors on XX/XX/year> that I had funds available for within my account and I had to pay them extra interest on my payment. Fourth, this account closure that I believe is fraudulent cost me time as I had to open a new bank account with XXXX and re-route all my automatic bill payment accounts which took away almost 2 full days of work. Lastly, I am still getting emails from Huntington Bank that my account is open with a {$0.00} balance and I am concerned they will try to fraudulently charge me fees for the open account. These emails are harassment on top of the fraudulent account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been on XXXX XXXX SINCE THE EARLY XXXX XXXX ALWAYS GOT PAID IN A TIMELY MANNER. I OPENED AN ACCOUNT WITH WELLS FARGO BANK SINCE XXXX WITH NO PROBLEMS. FOR ABOUT A YEAR OR YEAR AND A HALF IVE BEEN ENROLLED IN EARLY PAYDAY OFFERED BY THE BANK BEING PAID NO LATER THAN THE XXXX OF EACH MONTH. IM STILL WAITING ON MY US TREASURY DEPOSIT FOR MY XXXX XXXXXXXX. TODAY IS XXXX XX/XX/XXXX AND STILL WAITING FOR MY DEPOSIT. PLEASE HELP. My phone number is 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 explanation
Consumer complaint received 2024-10-30 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-30 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX FIN Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I live in the United states and I Lost My Cellphone and Credit Card in XXXX at the end Of XXXX. I was issued a New Card. One Month Later my card was used in XXXX using XXXX XXXX with my Lost phone. I Locked my card thinking that would stop future charges until I was able to call for another replacement card. I was not made aware that XXXX XXXX  would continue working on expired cards when I called and got a replacement card in XXXX. Even when My card was locked More Fraudulent purchases were made because I was not aware XXXX XXXX  continues working even when the card is Locked. I then Called to process a Fraudulent Case and Get another Replacement Card & Be clear that I was not the one using XXXX XXXX on a Lost phone. The Company then Credited my account but Later Denied my Case. I was Not Physically In XXXX with the lost phone in my possession so It would be impossible for me to make those purchases. I would Like to be credited back the Fraudulent amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Compliance and Notice of Intent to Pursue Legal Action Dear TransUnion, I am writing to formally address a serious concern regarding your recent handling of my consumer report and the lack of compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance.

I have previously contacted your office regarding discrepancies in my credit report and have yet to receive a satisfactory resolution. Should you send me another stall letter without addressing my concerns, I will pursue legal action against TransUnion for the willful failure to comply with the requirements imposed under the FCRA.

As stipulated in 15 U.S. Code 1681n, I am entitled to seek damages for any harm caused by your noncompliance, which includes actual damages sustained or a statutory amount of {$1000.00}, whichever is greater. 

I urge you to take this matter seriously and you have 3 days to respond promptly to resolve my concerns. I expect a detailed response addressing my issues. Failure to do so will compel me to take further action. 

Thank you for your immediate attention to this matter. I hope to resolve this issue amicably and await your swift response.

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 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress.

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 2024-10-30 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: CA

Complaint narrative:
The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress.

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 2024-10-30 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate information on my Equifax credit report. The report shows that I have 60-day and 90-day late payments for one of my accounts, but there is no corresponding 30-day late payment listed. This is an inconsistency, as it is typically not possible for a payment to be 60 or 90 days late without first being 30 days late. 

Details : Account XXXX XXXX XXXX XXXX XXXX : Equifax Issue : Inaccurate reporting of late payments ( 60 and 90 days late ) without a prior 30-day late payment. 
Dates of Late Payments : XX/XX/2024 & XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), all information reported on my credit report must be accurate and complete. The absence of a 30-day late payment, followed by 60- and 90-day late notations, suggests that the information being reported is incomplete and inaccurate. 

I have disputed this matter directly with Equifax, but the issue has not been resolved. I am requesting that the CFPB investigate this issue and assist in having the inaccurate late payments removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX FIN Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize and did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The credit bureaus stated XXXX XXXX XXXX balance XXXX dollars was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is no accurate .This is grounds for removal. They violated my rights under 15 U.S.C 1681 SECTION 604 A SECTION 2. The law clearly states a consumer reporting agency can not furnish a account without my written instructions, i havent given these accounts written permission to furnish these accounts on my credit report because i have been disputing that this is not my debt. It is against my rights to no provide me with valid proof, Experian and XXXX is validating by calling the debt collector and verifying my name and DOB, that is not valid proof, they also have blocked me from seeing the investigation online which is also against my rights. This debt is also showing as open and it is not my debt or do i have a contract with these people. The lawyer is intimidation the credit report agencies and they keep coming back with information was reported accurate, this is a apartment complex that have the ability to sue me in court if this was my debt, this is not a credit card or open loan. There is not eviction on my credit from this place also, so how do i owe anything to this debt collector. XXXX XXXX XXXX has violated my rights by spamming my phone and email and not providing me with the proof i have asked for.

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 2024-10-30 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: CA

Complaint narrative:
there are different last date of activity showing XXXX different dates.. asked then to remove immediately. 
How is this account accurate when the date of last activity shows XXXX different dates. violation and to remove immediately Asked for method of verification, how is it accurate when it shows 3 different last date of activity, what was the method of verification? remove immediately.

asked for proof of validation, method of validation, send me the proof of validation or remove this account for failure to CONDUCT a proper Investigation.

Late payments after charge off., prof of validation. violation.Because there are late payments after the closed date was reported this unverified and inaccurate account. is a Violation, please remove it Immediately They continue to report late payments after charge-off, late payments after charge off, you are in violation by continuing to report this unverified and inaccurate account. Violation, remove 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 explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation.

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 2024-10-30 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: PA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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