vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
My bank account was closed Huntington bank in XXXX  XXXX area. I filed a complaint through them because it was always something. They informed me that they wanted to close it its been a month since and I havent received my check from my savings. I dont have another 30 days to wait for my money. I want ever dollar out my savings. They charging me a extra - {$450.00}. I highly do not recommend banking here ever or in the next lifetime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I pulled my credit the beginning of XXXX and noticed a collection account from Midland Credit that I didn't know about so, on XX/XX/year> I sent a validation letter that I copied from the CFPB website to Midland Credit asking for validation on the debt they were attempting to collect and reporting on my credit report which I have attached to this complaint. I also disputed the account with the XXXX credit reporting agencies. I did not get a response from Midland Credit after XXXX  days so, I looked at my credit report and they we're still reporting the collection account and verified it with all XXXX  credit bureaus so, on XX/XX/year> I sent Midland Credit another letter ( attached ) letting them know they were violating the law by verifying the account with sending me the proof that the account belonged to me including a signed contract, statements or a detailed billing history as outlined in the Fair Debt Collection Practices Act. I did not get a response from Midland Credit after XXXX  days so, I looked at my credit report and they we're still reporting the collection account and verified it with all three credit bureaus so, on XX/XX/year> I sent another letter ( attached ) to Midland Credit asking what happened to my debt validation. I made it clear that they can not continue to report or verify a disputed debt because they did not validate it. I asked them to delete the account from my credit report, stop all collection activity and notify me in writing that they have done both. I did not get a response from Midland Credit after XXXX  days so, I looked at my credit report and they we're still reporting the collection account and verified it with all three credit bureaus. Then this week I received a statement from Midland Credit ( attached ) with no information about the debt, no documentation, no proof that the debt belongs to me, just a threat of further collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Following a thorough analysis of my recent credit report, I noticed various accounts that seem incorrect and were included without my knowledge.

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 2024-10-02 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 recently reviewed a copy of my credit report and noticed information regarding inquiries to be in error. Inquiries that I have no knowledge of and have not authorized.

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 2024-10-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXXXXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card opened at XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX under Account number ( XXXX ), a Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), and an inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase made an account change that was never authorized via signed paper work XXXX  address in XX/XX/year> after a transfer of points failed. Since the account was fraudulently changed they will not make the change back to how the account was open. I have submitted supporting documents showing how the account was open via monthly credit card statements that shows how the account was open prior to the account name change and Chase is refusing to make correction or take accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I can not see the funds in my checking or savings account on the app for online banking.

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 2024-10-02 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
I've discovered some incorrect information on my credit report, as specified by XXXX XXXX XXXX. I believe this information is not accurate and is impacting my creditworthiness.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-10-02 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: CA

Complaint narrative:
I submitted a report to Experian XX/XX/XXXX about some hard inquiries that did not have permissible purpose. I have attached evidence of submission. 

The following inquiries had no permissible purpose to be on my report. Delete the below inquiries due to violation of 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

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 2024-10-02 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ATTN : XXXX XXXX XXXXXXXX The below accounts are preventing me from obtaining employment and they are totally not correct, and I want these accounts deleted immediately. 


XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all three bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all XXXX  bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXXXXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all three bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all XXXX  bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Provision of Dispute Results to XXXX : - After completing an investigation, credit bureaus must provide the consumer with a written notice of the results, including a revised credit report if any changes were made. Additionally, they must provide a description of the procedure used to determine the accuracy and completeness of the disputed information if requested by the consumer.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ATTN : DISPUTE/CLIENT RESOLUTION XXXX The below accounts are preventing me from obtaining employment and they are totally not correct, and I want these accounts deleted immediately. 


XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all XXXX  bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all three bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX  XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all three bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all three bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Provision of Dispute Results to XXXX : - After completing an investigation, credit bureaus must provide the consumer with a written notice of the results, including a revised credit report if any changes were made. Additionally, they must provide a description of the procedure used to determine the accuracy and completeness of the disputed information if requested by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: AL

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

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 2024-10-02 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: MS

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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