vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX cash withdrawal was denied XXXX and this was confirmed by the ATM company and provided me the proof of denied transactions, however the Chase bank still charged me and ignore the proof of denied transactions from the ATM company. Called the bank many times, provided them the information from the ATM company and yet they refused to pay me back. Need your assistance pls. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I canceled internet service with XXXX XXXX & paid the full balance in XX/XX/XXXX and they continued to bill me months afterwards. 
In addition, I returned their equipment to the XXXX XXXX location in XX/XX/XXXX. 

After canceling service and paying my full balance due for XX/XX/XXXX, XXXX continued to bill me in XXXX, XXXX & XX/XX/XXXX at {$100.00} per month. 

When I initially signed up, they offered a 1 year promotion, which ended in XX/XX/XXXX. The bill increased from $ XXXX to $ XXXX. 

On XX/XX/XXXX, I began using XXXX home internet service. 

As of XX/XX/XXXX, the company sent a fraudulent collections bill to the credit bureaus, which has affected my credit score. 

I would like XXXX XXXX XXXX XXXX to remove the debt collections & report my account in good standing to all the credit bureaus. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year> at approximately XXXX I contacted my banking institution, Huntington Bank to ask for more information on a charge amount that I was unfamiliar with. I didnt recognize the description that the charge was displaying in my mobile banking app and simply asked the Huntington representative that I spoke with if they could provide me more information on the company. I was told that the description of the transaction that was provided in the app was all that they had. I was then asked if I wanted to dispute the charge and that if I wanted to do so I would have to close my account and get a new account number because the transaction was an ACH transaction. I declined this option and told the representative that I would just figure out who the company who initiated the charge and not proceed with disputing it. The bank rep asked if there was anything else I needed. I told her no and that conversation ended. 

However, on the evening of XX/XX/year> while attempting to make a debit purchase at a convenience store. I experienced an issue where my card was being declined for a small purchase. I knew that Id had more than enough money in my bank account to cover the item. So I called Huntington to see what was going on. When I contacted Huntington. Unbeknownst to me I was told that there was a hold placed on my account. It was revealed to me that even though Id instructed the Hunting rep from the XX/XX/XXXX call not to proceed with anything. There was a hold still placed on my account. There was no email, phone call or text message sent to communicate this to me. Had I not attempted to make the purchase on XX/XX/XXXX, I would not have known anything. In addition to this. I was told that I would have to physically go into a Huntington branch to get the hold lifted from my account. This was particularly troubling because I had a flight scheduled for the next morning of XX/XX/year>. So, I had to change my flight in order for me to be able to go into a branch and have the hold lifted. 

While I was able to have the hold lifted. It was later revealed to me that all of the payments for bills that I had submitted and were in the midst of being processed between XXXX XXXX had been returned for non payment. This resulted in incurrence of late fees from 2 credit card companies that I have cards with and XXXX XXXX XXXX who Im financing my vehicle from. This also resulted in my XXXX XXXX XXXX dropping by 50 points due to one of the XXXX XXXX credit card company reporting that my usage had drastically increased. Had the payment to this company ( XXXX XXXX ) not been incorrectly returned by Huntington due to the error made by the Huntington rep. Then my credit card payment, which was initially submitted on time ( XX/XX/year> ) for {$620.00} would have processed properly, along with my credit utilization and my credit score would not have been negatively impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-11-18 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: IA

Complaint narrative:
Commencing on or around XXXX XXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Binance account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kovo
State: GA

Complaint narrative:
I did not open this account and have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX I requested to start paperless statement billing. XX/XX/XXXX my online account statement at XXXX. I downloaded my statement for XX/XX/XXXX when I open the file the statement was for XXXX of XXXX. I contacted customer service to change this and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request an update to my credit report, as the latest version does not reflect my XXXX ( XXXX ) and Experian ( XXXX ) FICO Scores. I believe this may be due to a delay or oversight in the reporting process. 

Please let me know if additional information or documentation is required to facilitate this update. I appreciate your prompt attention to this matter.

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 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
My identity was stolen in two different states four different counties. I have notified the attorney general. I have done tons of paperwork. I have never even heard a value city had to look it up. Its in Ohio. Ive never lived in Ohio and Ive never been to a value city I have reached out to this company multiple times and they just keep sending me the same paper over and over wanting me to pay its almost to the point of harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: VW Credit
State: FL

Complaint narrative:
In XX/XX/XXXX, I contacted Volkswagen Financial Services to request their assistance in removing a prior credit inquiry from my credit report. My goal was to address and resolve this issue, as the inquiry is negatively affecting my XXXX XXXX and complicating my financial stabilization process. It is important to highlight that my account with Volkswagen has always been managed with timely payments, demonstrating my financial responsibility. 

The original inquiry was made in XX/XX/XXXX. I am only asking Volkswagen not to wait until XX/XX/XXXX for the inquiry to expire naturally. With only XXXX months remaining, they have already observed XXXX on-time payments with no delays, further validating my positive payment behavior. Additionally, Volkswagen performed XXXX separate inquiries for the same credit application, which were reported on XXXX as " VW CREDIT '' and " XXXX XXXX. '' These duplicate inquiries generated XXXX separate entries on my credit report, causing an unnecessary and disproportionate decrease in my XXXX XXXX. 

In their response, Volkswagen acknowledged my concern and informed me that, while they report account information to credit bureaus, the responsibility for disputing and correcting the inquiry lies directly with the credit bureaus, such as XXXX or XXXX. They provided me with a mailing address to send my dispute, which unnecessarily complicates the process, as I expected the financial institution, being the originator of the inquiry, to take direct action to resolve the matter. 

This lack of direct resolution by Volkswagen Financial Services has unnecessarily complicated a process that should be more straightforward, considering my positive payment history and the absence of any default or issue related to my account. For this reason, I am filing this complaint with the CFPB to request assistance in resolving this situation. 

Additional documentation attached : Response letter from Volkswagen Financial Services dated XX/XX/XXXX. 
Payment history demonstrating that my account is up-to-date. 
I kindly request that this matter be investigated, and a solution be provided to ensure the removal of these duplicate credit inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-11-18 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: MI

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Im a victim of XXXX XXXX and please block within 4 days 605 c credit 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 2024-11-18 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: IN

Complaint narrative:
1 ) XXXX XXXX XXXX  : OPENED XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
2 ) XXXX XXXX : OPENED XXXX CLOSED XXXX BALANCE $ XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
3 ) XXXX XXXX  : OPENED XXXX CLOSED XXXX BALANCE ( UNCLEAR )- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
4 ) XXXX XXXX- OPENED XXXX CLOSED XXXX BALANCE $ XXXX CREDITOR REPORTED LATE PAYMENTS FOR XXXX AND XXXX OF XXXX  FOR 30 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY 5 ) XXXX XXXX- OPENED XXXX BALANCE XXXX CREDITOR REPORTED LATE PAYMENTS FOR XXXX XXXX, XXXX XXXX, AND XXXX XXXX FOR 30-120 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY. 
6 ) XXXX XXXX : OPENED XXXX CLOSED XXXX UNCLEAR OF BALANCE- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. LISTED ON REPORT TWICE WITH TWO DIFFERENT ACCOUNTS

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 2024-11-18 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: WA

Complaint narrative:
I XXXX XXXX XXXX filing this FTC Identity Theft Affidavit to report this fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of XXXX XXXX XXXX XXXX XXXX, This account resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-11-18 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: OH

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Back on XX/XX/XXXX I filed a dispute with chime bank in regards to two fraudulent transactions amount due to {$680.00} at the time, I informed the representative I informed the representative that I was actively in the police department filing a report. The police department needed the dispute number to include it in the police report. The bank employee blatantly lied on the paperwork saying that no police report was filed I subsequently provided copies of the police report, a written statement explaining the situation and have been denied my refund on three separate occasions due to the fact that the bank is refusing to file the paperwork properly or acknowledged the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation