vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have a Huntington Voice World Elite credit card. ( master card ). 
Recently I spoke to the CC representative and he has informed me that Huntington has a list of companies that signed up for their forwarding program. So if a consumer cancels a particular card, Huntington will forward your information to automatic withdrawal vendors and automatically keep charging the consumer. 
There is no way for a consumer to opt out of the service. the bank will ( without customer permission ) send the vendor the new card number, and any other credentials necessary to make charges. 
So in essence a individual will have a company follow his new credit card even though he has not agreed to it. 
Any vendor and individual agreement is between them, a bank can not make judgement calls in two party agreements and forward personal information to their preferred vendors. 
Regardless if there is extended contract or month to month agreement. 
I asked to opt out of this service, which Huntington bank advertised as a " convenience '', but was unable to. The only remedy is to find individual charges and dispute them with master card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear Discover Student Loans, I am writing to formally request that you correct the reporting of late payments on my account, in accordance with the arbitration release and settlement agreement between myself and Discover. As part of the settlement, Discover explicitly agreed to remove all late payment entries related to my account from my credit reports. 

However, despite this agreement, late payments are still being reported by XXXX on my credit file. This continued inaccurate reporting is negatively impacting my credit score and is in direct violation of the terms agreed upon in the settlement. 

I request that Discover immediately take the following actions : Ensure that all late payment entries related to this account are removed from my credit report with XXXX and any other credit reporting agencies. 
Provide me with written confirmation that these corrections have been made. 
Please correct this issue within 30 days of receiving this letter, in order to comply with the terms of the settlement agreement. If the matter is not resolved promptly, I will be forced to pursue further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
Subject : Response to Dispute Results Regarding Inaccurate Credit Reporting Dear Equifax Customer Support, Thank you for your response and for completing the investigation regarding my dispute. However, I would like to address a few concerns related to the outcome you provided. 
Verification of Information : The notification states that the Attorney General-Child Support has verified the accuracy of the information reported. However, it is not clear what steps were taken to validate this, nor has sufficient documentation been provided to support the claim that the reported information is correct. I am requesting that you provide a detailed explanation of how the verification process was conducted, along with any documentation the furnisher provided to confirm the reporting. 
Accuracy of Reported Information : The fact that certain fields, such as the balance, past due, high credit, and others, have been modified, raises additional questions. Please clarify what specific changes were made, and how these changes were confirmed to be accurate. 
Right to Further Investigation : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough and complete investigation of disputed items. If the provided response is not sufficient to demonstrate that the reported information is correct, I reserve my right to request a reinvestigation or escalate this matter further.

Future Communication : I would appreciate any further documentation supporting the decision to verify this item, including any communications between Equifax and the furnisher of the information. 
AS YOU CAN SEE THE ATTACHE XXXX XXXX AND XXXX DELETED THE INFORMATION SO IF I HAVE TO SUE YOUR COMPANY I WILL BECAUSE YOU ARE KNOWINGLY AND WILLINGLY VIOLATING MY PROTECTED RIGHTS SO IF IT ISNT DELETED IN 72 HOURS I WILL BE FILING A FEDERAL SUIT I trust you will address these concerns promptly. Please send all relevant documents to my address on file. I look forward to your response. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
CFPB remember, you job is to serve the people, not the banks! 

XX/XX/year> I wrote to XXXX XXXX XXXX telling them that I'm OPTING OUT of them sharing my information. They ignored the letter. They are in violation of : 15 USC 6801, 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ), 15 USC 1681a ( 2 ) ( A ) ( i ), 16 CFR 313.10 ( a ) ( 1 ) ( ii ), 16 CFR 313.10 ( b ) ( 1 ) ( 2 ) 16 CFR Appendix A to part 660 ( VOLUNTARY ). 

THEY HAVE DEFAMED THE NAME, WHICH I DID NOT GIVE THEM PERMISSION TO USE THE COPYRIGHTED NAME XXXX XXXX. 

In XXXXXXXX XXXX XXXX I wrote a letter to XXXX XXXX, the CFO, requesting a true authenticated record of accounting, nope didn't get one! 

Who is the CreditoXXXX? 

Has TD Bank made profits from this account with the initial application by hypothecation and is continuing to profit? 15 USC 45 deceptive practices. 

if it's been charged off, whose income is it to report?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company is jeoparding my financial status and credit rating by reporting a debt that is unknown to me and Resurgent/LVNV illegally has Verified my dispute ( s ) with XXXX and XXXX credit reporting bureaus that I intend to file a complaint in State or Federal court to collect damages and they will be compelled to pay my Attorney Fees as well. I was just denied credit due to this illegal collection on my credit report. They refuse to provide me a signed contract revealing ALL parties involved proving that I have a contractual agreement with their firm. 
XXXX XXXX has IGNORED my requests for a Purchase Agreement between their firm and the alledged creditor as well. I will be filing complaints with the BBB as soon as possible in their state and my state here in XXXX. because of their FAILURE to provide legal notice before illegally reporting this FALSE information on my credit report another very serious vilolation Resurgent XXXX has blatanrly committed. 
I will file complaints with XXXX, Attorney Generals and any agency that is appropriate as I never did business with rhis company I have absolutely no contratual agreement with them and I will gather these complaints to be used for the LAWSUIT If forced to do so. 
Remove this FALSE DEBT from ALL my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: OH

Complaint narrative:
When trying to link an external bank account my account was suspended pending ID verification. I called into the support line. The company emailed me requesting photos of my driver 's license and a photo of me holding a note. This was done through an unsecure email. I was told it would take up to 2 business days for ID verification and to remove the account suspension. Currently, it has been business 11 days, and my funds are still locked up. I have called into support 3 times and each time been told to wait 2 more business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-20 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-20 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: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
My husband contacted CAINE AND WEINER XXXX he provided his name and my name advised them was calling about something on my credit report. They did not properly ID him nor did they ask any questions to confirm who he was last 4 of the ssn or dob. When he asked for a manager to speak with was refused they advised will have someone call him back. Over a week went by still no call back. My husband made a 2nd attempt to call again no proper id of him still was not asked to verify any info of myself last 4 of ssn or dob. They disclosed my information WITHOUT even confirming any information. When was finally transferred to a manager he explained the VIOLATIONS and was told they dont have to ask or verify any information to a debtors spouse. This is incorrect and against the law! He asked for a settlement with a credit deletion they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Account Number:XXXX Creditor Name : Aldous And Associates Amount in Dispute : {$260.00} I am writing to formally file a complaint against ALDOUS AND ASSOCIATE regarding failure to validate a debt. 

I would like the CFPB to investigate this matter and ensure that ALDOUS AND ASSOCIATE comply with the Fair Debt Collection Practices Act by providing the necessary validation of the debt. 
Supporting Documentation : Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-09-20 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:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-09-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shell point purchased my loan and ever since there has been an administration charge on my account. I didnt contest the charge I called like instructed and paid the {$99.00} charge but the charge did not get removed. Then I called the following month and paid the {$99.00} charge again. This time not only was the charge not paid but my payment was reapplied which has caused me to have additional interest added to my account because this {$99.00} charge on my account prevents me from paying additional principal. I have contacted them 5 times on this issues that has been ongoing since XXXX XXXX XXXX, each time the customer service agent I have talked to agrees that this is their issue however the issues still continues. Having a debit collector force customers into a situation where they can not pay additional principal should be criminal and in my case where I tried to rectify the issue willingly multiple times they should be required to refund the interest accrued on my account t since my first attempt to resolve the issue.

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 2024-09-20 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: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Military Star Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : N/A Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear ( Military Star ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor.

to the secure trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/scrub>XXXX  SECURITY FREEZE

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 2024-09-20 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: GA

Complaint narrative:
On Thursday, XX/XX/XXXX I received a free annual credit report. After reviewing my reports from all 3 bureaus ( Experian, XXXX, and XXXX ), I noticed a few errors. At approximately XXXX on XX/XX/XXXX I submitted a dispute through the Experian app, requesting to correct the errors. 

Incorrect addresses Incorrect phone number Incorrect credit card information-XXXX XXXX XXXX XXXX  account that has been paid and closed is reflecting a new charged off status as of XX/XX/XXXX. However, this account was originally charged off in XXXX of XXXX. Experian refuses to make corrections to the payment history. A payment was made in XX/XX/XXXX and the account was closed. I explained this to Experian in my dispute. Experian responded to my dispute same day and stated the information has not been changed. Experian did not do their Due Diligence by reaching out to XXXX XXXX to validate the monthly payment history from the date of account opening until it was closed ( XXXX ). I have the right to view all supported documentation that was used to validate if each month from XXXX is reflecting the correct status on my Experian report. 

Experian is in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 by willful and/or negligent inclusion of erroneous data on my credit reports.

Under Section 609 of the FCRA I would like to request a complete file of the information that Experian used to validate my old XXXX account from 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