vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/XXXX, TCF Bank was bought out by Huntington Bank. There was a young ( late XXXX - mid XXXX ), petite, medium long blonde haired teller assisting me. She then informed me that the new account ( XXXX ) is the correct account, from the former TCF account for XXXX, and it was called XXXX XXXX XXXX XXXX. I said well, the account is supposed to be for XXXX XXXX but they assured me that this was the right account. I was skeptical. Therefore, I went a step further and immediately emailed my landlord informing him of the changes. This email was sent the same day that I was at the bank on XX/XX/XXXX. 

When I went in to the now, Huntington Bank on XX/XX/XXXX to make my monthly payment for rent, I was forced to cross out the name, XXXX XXXX, and place XXXX XXXX XXXX XXXX on the check instead. I again asked, is this the account for XXXX XXXX because it shouldn't really matter. ( I have a copy of the all the checks. ) The same blonde haired teller told me that all checks to the business account needed to have the business name on it. If I made the mistake again I was told to write out a new check that said XXXX XXXX XXXX XXXX. If the bank were to look up the transaction history to see who assisted me on XX/XX/XXXX they would see who gave me the XXXX XXXX XXXX XXXXXXXX account number. Their Payroll would even show who was working that day. 

Lastly, once my family and I informed our landlord we were moving in XX/XX/XXXX, he then noticed that my rent deposits were not in the account. We both went together and met with the bank manager later on that day, she acknowledged that there was definitely a banking error and it was going to be fixed because it was a mistake that they, at Huntington Bank made, but needed a couple of weeks to correct it. She then took the handwritten account number, ( that I got from the blonde teller 2 years ago ), from my landlord for their files. ( I took a picture of if before handing it to my landlord. ) I am now being summoned to pay back a year 's worth a rent with late fees totaling more than {$60000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has violated my rights and has repeatedly refused to correct fraudulent inaccurate information on my consumer report. At their request for more information such as a FTC report, police report and other documentation which I provided. Nevertheless even after this documentation was provided they refused to remove the inaccurate information. 
Clearly Equifax does not wish to abide be 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 
Please help me to remove this inaccurate information that is being published without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: MS

Complaint narrative:
I reviewed my credit report and noticed some credit inquires and accounts that do not belong to me! I have filed an Identity Theft Report with Fair Trade Commission for the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are not mine : 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 2023-11-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I reviewed my credit report and noticed some credit inquires and accounts that do not belong to me! I have filed an Identity Theft Report with Fair Trade Commission for the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Two frauds were done in my account first one was resolved the second one was filed and they want me to wait 72 hours for a response its friday that money was for me to pay my rent and they dont care they say they do but they dont have more resources to help me with being a big company they can not do more today XX/XX/2023 is the last day to pay rent landlord stated he will start evcition and will not stop it.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NJ

Complaint narrative:
remove all hard inquiries that dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal, without my consent, has signed me up for automatic payment. There is no way I can cancel autopay. When I tried contact customer service, I was put on hold for over an hour and never got a chance to speak to a customer service representative. 

I would like Paypal to go into my account, today, and cancel any forms of autopay which they signed me up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Beginning in XXXX of this year, I contacted the Wells Fargo trust department in XXXX XXXX, NC to speak with my attorney regarding estate planning issues. I have left several calls as well as my attorney, but no one has returned the calls to discuss the matter. My last call to them was this Tuesday, XX/XX/XXXX. The person I asked to speak with was out of the office. His backup did call me back and assured me that someone would return the call no later than EOB Wednesday, XX/XX/XXXX. Again, neither I nor my attorney has received a call back. 

This is not a one-time incident. In the past I have had a very difficult time trying to speak with individuals at the trust department, so this is representative of their lack of professionalism

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. I submitted paperwork according to the FCRA and submitted it to the credit agencies. I have also asked for copies of the verification process and not gotten them. 

These are the accounts : XXXX XXXX XXXX XXXX by 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 explanation
Consumer complaint received 2023-11-17 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: MI

Complaint narrative:
I'm a victim of identity theft, pursuant to section 605b. I have been suffering from punintive damages. Please remove the fraudulent inquiries from reporting to 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 2023-11-17 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: IN

Complaint narrative:
This has been an ongoing effort to communicate with the consumer reporting agencies regarding the deletion of all the invalid items that have been posted on my credit report. There were items that have long been deleted from Experian and XXXX but XXXX still shows the same item on my files. It's like they're not talking or communicating with each other and I'm under the impression that they are just trying to let me know that they have reached out to the individual creditors, where in fact, they really didn't do it. Coz why can a creditor release different information among these 3 credit bureaus if they're only reporting to one creditoror furnisher, right? Did you get my point here? So, I'm thinking that they're not doing their job efficiently. Some accounts have different declared numbers or digits, amount and date.

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 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Everyone who I did business with and had and have a bank account with had data breach and they didnt notify me when I tried to tell them that my credit card account and bank accounts was compromised before they all had a data breach and they ignored me for years and I lost my money and I lost my credit card account and my business accounts which I am currently homeless due to the fraudulent transactions and the fraudulent activities on my credit report and they still havent paid me for everything that I have lost and my credit report is ruined because of Capital One credit card account and bank accounts and XXXX XXXX accounts and XXXX  account and XXXX XXXX and XXXX accounts were all compromised and I have reached out to them repeatedly in XXXX until now I have lost my entire identity information regarding their data breaches and they are selling my identity information on the dark website for years and I have to change my social security number because of this data breaches and I they will be held accountable because I have worked very hard for my business and my money and they allowed these fraudulent activities to happen to me and they tried to cover it up by closing my accounts with Capital One credit card account and bank accounts and they all did the same fraudulent activities and they ignored me and they closed my account down to XXXX XXXX  accounts and I have already filed a identity theft claim against Capital One bank accounts and credit cards and XXXX accounts and XXXX XXXX accounts and XXXX data breach also and I have repeatedly contacted them to confirm the identity theft insurance claim with them and XXXX XXXX XXXX  which I have paid since XX/XX/XXXX and they have not responded yet but I need my life back and everything that they allowed to be stolen from my bank accounts and my credit card account ect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Affirm has a feature where your establish payments by logging into your bank 's website to set up payments. I established this when I took the loan in September and received confirmation that Autopay was setup. In XXXX, I was notified that my loan payment was late. I checked my text, it showed autopay as established in XXXX. I made a manual payment, enrolled in autopay again. I received confirmation that autopay was established and would be used for my XXXX payment. In XXXX, I again received notice that my payment was late. I checked my phone, a confirmation of autopay from XXXX and XXXX was received, again, this autopayment was established by entering the credential for my bank on my bank 's website. Affirm claims that there is no account ending in XXXX and that the bank rejected the payments to them. When I called my bank, there is no record of any attempt to withdraw my payment. After making my payment for XXXX and again ensuring that autopay was established for this loan account, I again received a confirmation that autopay was established. Fast forward to today and I receive notification that my loan is over due. I will not have my reputation ruined by a lender whose website is not working properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Barton Law Group, LLC
State: IL

Complaint narrative:
My wages were garnished for the full amount of the judgement with proof on pay stubs and my employers payroll department producing proof of payment only for them to say that every payment received was forged and NSF. They turned around and put it right back on my credit report. Im not the only one they have done this to. Nobody is stopping them from this scam.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had about ten credit ( maybe more ) cards with Synchrony and they arbitrary closed them all. All the balances on them are paid off except for one with a {$220.00} balance. On Thursday, XX/XX/2023, is when the cards were closed. That Tuesday and Wednesday I had pending charges, on Friday morning the charges were cleared, but with this credit card with PayPal when charges clear I get the cashback instantly, but since Synchrony closed the account, they will not pay the cashback. 

With the reduction of the massive buying power my credit score will significantly decrease. All summer I worked hard to build my credit score. I used the credit cards and paid the balance off frequently, rarely kept a balance. Prior outstanding balances are paid off. I eat off several credit cards and then pay them off. Now Black Friday is coming, I desire to carry a balance into Spring. I planned this Black Friday since XXXX by building a massive buying power, to spend only a portion of it so I can keep my credit utilization below 30 % and not max out one credit card to not significantly impact my credit score in a bad manner.

My credit report has many inquiries due to mainly applying to Synchrony Bank, no one will lend to me due to the many inquiries even though my score is at a XXXX, no derogatory information, and all balances with other lines of credit is at a {$0.00} or up to 5 % utilized. As mentioned before, I did this to shop within a responsible budget for Black Friday ; to get things my parents never bought me as a child and now I work and can afford through credit to maximize the reward system. 

This is not a duplicate complaint but a new complaint. I am complaining about the cashback that is owed to me.

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 2023-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc.
State: MS

Complaint narrative:
Recruited to work full time with benefits for XXXX  Accepted the employment offer, with a 3 month guarantee to work one year in the XXXX, XXXX office. Eight months later, loanDepot closed the branch I was assigned to without notification, which left me unable to complete the term. I was the very last employee at that location once they closed the office. I performed work on abandoned loans that the community referring agencies needed immediate help with. I helped pack up the office. I had also managed to still produce mortgages, and was not compensated, as they then said that I breached the employment contract, and the wanted to collect the entire guarantee back. They have threatened and now placed a collection on my account through RFGI, and that means that I was actually not paid at all for any of the full time eight month work that I performed.

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 2023-11-17 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TX

Complaint narrative:
I was advised by a Transunion rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : Name Date XXXX XXXX XXXX XX/XX/XXXXXXXX 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