vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
I am writing to formally request the deletion of inaccurate information on my Experian credit report concerning a XXXX XXXX account ( account number : XXXX ). This account has already been deleted from my XXXX credit report and should therefore also be removed from my Experian report. 
According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccuracies on their credit reports, and the credit bureau must reinvestigate the accuracy of the disputed information. 
The presence of this XXXX XXXX account on my Experian report is a clear discrepancy, as it has already been verified and deleted from my XXXX report. I have attached a copy of my XXXX credit report reflecting this deletion for your reference. 
Please take immediate action to delete this inaccurate information from my Experian credit report. I expect confirmation of the deletion within the legally mandated time frame.

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 2024-10-21 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:
Dear sir or madam, I opened a Huntington XXXX XXXX checking account ending in XXXX on XX/XX/year> and a Huntington XXXX XXXX XXXX checking account ending in XXXX on XX/XX/year>. 
At that time, Huntington bank has promotions for both business and personal checking account, I met both bank promotion conditions, which Huntington bank agreed. 
I did receive {$1000.00} bonus for opening business checking account. But Huntington bank refused to pay {$600.00} bonus for opening personal checking account. 
Per Huntington banks letter. Please note that in the enclosed Bonus Addendum, it states Bank reserves the right to limit each customer to one new account related gift incentive per rolling 12-month period. For this reason, Huntington has declined your request to honor the cash bonus to your Huntington XXXX XXXX checking account ending in XXXX. 
However, this is not true statement. 
A personal checking account and a business checking account are considered different products, allowing one to potentially qualify for a bonus on each if you meet the requirements.

This is Bonus Addendum for business checking account, Huntington reserves the right to limit an individual business owner with multiple businesses to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

This is Bonus Addendum for personal checking account, Huntington reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

You can see that the terms are different for business and personal checking, per Huntingtons conditions : the bonus for the business checking is to limit individual business owner whereas the bonus for the personal checking is to limit an individual. From the statements Ive pulled from Huntingtons own conditions, it is clear that Huntington views these two as separate entities. 
Please review this response, and honor {$600.00} bonus to my personal account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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 XXXX XXXX  Acct : XXXX for {$4000.00} - XXXX XXXX XXXX  Acct : XXXX for {$1000.00} - XXXX XXXX XXXX  Acct : XXXX for {$21000.00} XXXX XXXX Acct : XXXX for {$21000.00} - US BANKRUPTCY COURT XXXX XXXX Bankruptcy XXXX XXXX dismissed ) filed XX/XX/XXXX, dismissed XX/XX/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 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : MIDLAND CREDIT MANAGEMENT Address : XXXX, MI XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX Highway XXXX, XXXX SC Dear MIDLAND CREDIT Management 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 secured 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 I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt to Portfolio Recovery Associates llc. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and the company license information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. It is important to note that the payments in question occurred during the
COVID-19 pandemic, following my job loss due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
I spoken with my leasing manager after i move out we agreed the remain amount that i was paying was XXXX. We discussed the damage fees that where added on the summary i got when i move out but i never received invoice on what was damaged so the bill end up going to collections now they collection agency trying to get the whole balance of XXXX which it wasnt that much when i talk to the leasing manger at the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Its been past 30 days since I Submitted a complaint on my XXXX  account in XX/XX/year> and still on going base on cfpb and its past XXXX periond aloud and its stressing me out its enough I had go back and fourth to court and after all that Experian still reporting inaccurate information even after sending proof it was dismissed by court.

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 2024-10-21 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America XXXX These creditors has violated my rights. Under 15 USC 1681, Section 602 states I have a right to privacy. Fifteen USC SIXTEEN EIGHTY - ONE SECTION SIX OR FOUR A SECTION Two, It also states a consumer reporting agency can not furnish an account without my written instructions. 
Under fifteen USCS one six six B.

A creditor may not treat a PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN end consumer credit plan as late for any purpose.

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 2024-10-21 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX  XXXX XXXX XXXX ...., XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MT

Complaint narrative:
When attempting to log in, all three of the email addresses I have held for over a decade are somehow in use. When attempting to recover the accounts, the recovery methods provided are none that I have or recognize ( such as email addresses, phone numbers, etc ).

One of my email address recovery methods includes " authenticator ''. I've never set up authenticator with this company and it didn't exist when I created the email address. 

I am therefore, permanently locked out of any way to log in to this company 's website.

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 2024-10-21 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: FL

Complaint narrative:
Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account Name : XXXX XXXX XXXX XXXX XXXX Date of Charge XXXX Amount : {$0.00} I previously submitted a dispute toTransunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion 's failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this 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 non-monetary relief
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$10000.00}

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested and received an employment data report. I received two reports that were not properly sealed. One was taped over and another envelope did not appear to be sealed at all. Given the sensitive nature of the information, the company so find a more secure way to deliver these reports to ensure the the contents are delivered in full and securely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
At XXXX on XX/XX/year> I tried to withdraw cash using my XXXX debit card at a PNC ATM in a XXXX XXXX  ( Store # XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX ). When the screen read, card must be removed prior to cash dispensed, I did not remove my card in time. The ATM printed a receipt saying incomplete transaction, contact your financial institution. The money came out of my account but no cash ever came from the machine. 

I filed a dispute with XXXX, they eventually gave me a provisional credit after XXXX weeks, then XXXX weeks later PNC denied my claim, stating the following this transaction was processed correctly. This transaction was valid, the money was dispensed, and based on the ATM audit tape, we have concluded our investigation. I had XXXX appeal their decision, and they denied the appeal the same day. I told XXXX to ask PNC if their ATM balanced during their next cash count. I also asked them to ask PNC to explain how I could receive that receipt if the transaction was processed correctly. XXXX has not advocated on my behalf and even though I am still communicating with them trying to get them to help me, they took my {$400.00} back out of my account. 

I filed a police report since they are the only ones who can get surveillance footage from the XXXX XXXX, but have not heard anything from them nor do I expect to. They are understaffed and overworked. It doesnt seem to me that PNC investigated anything at all. I want to see the ATM records, I want to see the ATM video footage, and I want to speak with PNC directly but they won't speak to me directly I already tried. My only hope is getting surveillance footage from the store to prove my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 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:
I've recently checked my credit report and notice some inaccurate accounts reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
I've recently checked my credit report and notice some inaccurate accounts reporting

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 2024-10-21 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief