vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Hello, I opened my Huntington unlimited plus business checking account in XXXX, MI branch on XX/XX/XXXX. At that time, Huntington bank has a promotion to open business checking account. 
Promotion conditions are followings : To be eligible for the {$1000.00} cash bonus, business customer must open a new Huntington Unlimited Plus Business Checking, Business Analyzed Checking, or Non-Profit Analyzed Checking account by XX/XX/XXXX, then make a minimum cumulative new money deposit into the new checking account of at least {$20000.00} within XXXX ( XXXX ) days of account opening. The {$20000.00} or more daily balance must be maintained for 60 days after meeting your initial cumulative new money deposit requirement. Account must maintain open status for at least XXXX days before it is eligible for the bonus payment. 
I have met all promotion conditions, but Huntington didnt pay me {$1000.00} bonus. Please help me to investigate what happened and deposit {$1000.00} bonus into my account. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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: PA

Complaint narrative:
Im confident that I pay on time, but I dont understand why Im being reported as late for some months. Per USC 1666b, any billing mistake should be corrected to show that I paid as agreed.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I looked at my credit throughly last week and found more accounts that have been caused by identity theft. So I'm following instructions and doing what they told me to do.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked at my credit throughly last week and found more accounts that have been caused by identity theft. So I'm following instructions and doing what they told me to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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:
To Whom It May Concern at the CFPB, I am filing a complaint against Equifax and XXXX XXXX XXXX regarding the inaccurate reporting of a collection account on my credit report and the failure to validate the debt. 

Complaint Details : Account Information : Collection Agency : XXXX XXXX XXXX XXXX : {$570.00} Original Creditor : XXXX XXXX Background : XX/XX/year> : I mailed an initial dispute letter to Equifax regarding the collection account reported by XXXX XXXX XXXX. 
XX/XX/year> : I sent a follow-up dispute letter via certified mail to Equifax, XXXX my request for verification and investigation of the account. To date, Equifax has not responded to either letter. 
Violations and Relevant Laws : A. Equifax : Failure to Investigate Dispute ( 15 U.S.C. 1681i ) : Equifax has not responded to my dispute within the required 30-day period, failing to conduct a reasonable reinvestigation of the disputed account.

Inaccuracy of Reporting ( 15 U.S.C. 1681e ( b ) ) : Equifax has not ensured the maximum possible accuracy of the information on my credit report. Their failure to address the dispute suggests a lack of adherence to the accuracy requirements. 
B. XXXX XXXX XXXX : Failure to Validate Debt ( 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ) : XXXX XXXX XXXX has not provided validation or verification of the debt, including proof of ownership and authority to collect it. This constitutes a violation of their obligation under the FDCPA. 
False or Misleading Representations ( 15 U.S.C. 1692e of the FDCPA ) : XXXX XXXX XXXX 's inaccurate reporting, particularly the false claim of being the original creditor, violates this statute. I have never had a contract with them. 
Requested Actions : If these issues are not resolved within 30 days from the receipt of my certified letter ( by XX/XX/year> ), I will consider pursuing legal action for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have also filed a complaint with the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Im confident that I pay on time, but I dont understand why Im being reported as late for some months. Per USC 1666b, any billing mistake should be corrected to show that I paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: Monarch Recovery Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Monarch Recovery Management Inc XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Subject : Request for Debt Validation Dear Monarch Recovery Management Inc, I am writing to request validation of the debt you claim I owe. The account in question is XXXX, which is listed on my credit report as owed to XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request and receive proper validation of this debt. 

In the case of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the importance of providing consumers with accurate and sufficient information to validate the debt. Therefore, I request the following information : 1. The amount of the debt. 
2. The name of the original creditor.

3. Verification and documentation that I owe this debt.

4. A complete payment history, starting with the original creditor.

5. Any agreement that bears my signature and shows I agreed to the debt.

Please treat this letter as a formal dispute of the debt and a request for validation. Until you provide the requested documentation, I will consider the debt to be invalid and expect that you will not report this debt to any credit reporting agencies, or if it has been reported, that it will be removed. 

I appreciate your prompt attention to this matter and look forward to your response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX Dear Sir or Madam, Transunion will not allow me to access my account without first paying a fee to sign up for monitoring service. They reset my password which required payment first. 

1. Their phone system does not work- they do not save your place in line and do not call back.

2. Their chat representatives will only grant access to pay first membership before you can access credit info.

3. They were given current and accurate information ( address, phone, social, DOB, etc ) 4. I've spent many hours on their site trying to gain access but its not possible without paying them first. Please help. 

Thank you 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 2024-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
XXXX weeks ago I paid off a loan at Mohela. The company cashed my check but has yet to apply the payment. Every call they tell me it will be another week before it is applied, over and over again but it is still not be credited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX Dear Sir or Ma'am, I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth Is : XXXX My only employer is : XXXX Please remove all phone numbers on my credit report. Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, 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 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
{$250.00} alleged payment BoA claimed we made and labeled as payment, but it is an expense added to our credit card balance. 

On XX/XX/year> : After multiple phone calls to BofA from approximately XXXX ( XXXX ), XXXX ( XXXX ) XXXX and XXXX ( XXXX XXXX ) XXXX they all repeatedly claimed {$250.00} is a credit payment. I explained that it on the balance sheet, the figure {$250.00} is added as an expense to our credit card although it is labeled by them as payment. They vehemently denied it is added as an expense, although it is showing as such as seen on this online transaction.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I XXXX XXXX contacted XXXXXXXX XXXX  and XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to show information they have on me they sent bank statement but not proof of the check or the original signature I also listing them the accounts that's not mine and don't know who the accounts to belong to I also gave them FTC Report that was not honor so im resubmitting the documents need assistance to help remove or block the accounts thats reporting on my credit report without my permission XXXX Experian. XXXX is giving personal detail without my permission.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
ARS refuses to send me my credit report, and show proof of a security freeze I asked them to place on my report. They never did, even though they told me via CFPB portal they would on XX/XX/24. ARS has been withholding my report for over a year now. Their first excuse was that they couldnt verify my identity. Now that Im verified, they still refuse to send my report to me. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I, XXXX XXXX, am personally submitting this complaint without involving any third parties. I have included letters that outline the inaccuracies found on my credit report. The reports from Transunion, XXXX, and XXXX include incorrect information with varying and outdated dates.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I, XXXX XXXX, am personally submitting this complaint without involving any third parties. I have included letters that outline the inaccuracies found on my credit report. The reports from XXXX, Experian, and XXXX include incorrect information with varying and outdated dates.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Someone with the same name but different social security is reporting a collection on my report that is not mine. I contacted the merchant and they had no record but still is reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/24 I sent Equifax, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored 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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX contacted XXXXXXXX XXXX  and XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to show information they have on me they sent bank statement but not proof of the check or the original signature I also listing them the accounts that's not mine and don't know who the accounts to belong to I also gave them FTC Report that was not honor so im resubmitting the documents need assistance to help remove or block the accounts thats reporting on my credit report without my permission Transunion XXXX. XXXX is giving personal detail without my permission.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX contacted XXXXXXXX XXXX  and XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to show information they have on me they sent bank statement but not proof of the check or the original signature I also listing them the accounts that's not mine and don't know who the accounts to belong to I also gave them FTC Report that was not honor so im resubmitting the documents need assistance to help remove or block the accounts thats reporting on my credit report without my permission XXXX XXXX. Equifax is giving personal detail without my permission.

Company response to consumer: Closed with non-monetary relief