vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE

Complaint narrative:
I do have a checking account and a business account at Huntington Bank. Right now I'm in XXXX, and I was making the payment from my business account to XXXX Bank through XXXX, I received the money from XXXX but XXXX wasn't able to charge my business account because of them putting it on hold. I called the bank to ask why my account is on hold and they said because of missing documentation from XXXX bank which I was transfered from once the owner changed. I was with Huntington for the last year, and without any notice, they froze my account stating that they missing some kind of documentation. Right now they not allowing me to provide it online, by mail, etc. They refuse to close my account if I send an authorized letter asking to close the account and issue the money. The only option is to come to the branch and it's not possible because I'm back in XXXX. 2023 XX/XX/XXXX XXXX  wasn't able to charge Huntington Bank and I'm in debt to them now, they are taking legal action against me to pay the debt, once Huntington is holding my money and refusing to release it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received three gift cards on XX/XX/year>, sadly my phone was stolen. Which had two of the cards on there that I already spent ( those werent even touched by unfamiliar purchases, which is crazy ). I left one of those three cards in my email because it was about XXXX  and I wanted to save that instead of spending it up when I finally got into my XXXX to go for the card, the transactions on the gift card balance showed two purchases on the XXXX of XXXX. One for XXXX the final one for {XXXX, at a XXXX XXXX in XXXX ( I live in the XXXXXXXX XXXX XXXX ) and the wildest part about all of this is that it was done in the same minute at XXXX XXXX. I called Amex for help and all I was told was in 90 days theyll have an answer for me. I dont want to keep waiting. I need a new phone for my job, school and other responsibilities.

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

Complaint narrative:
I am not associated with these creditors and I did not initiate the inquiries with 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 XXXX XXXX XXXX XXXX XXXX. Kindly proceed to remove it from my credit report without delay.

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 2024-02-02 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: SC

Complaint narrative:
I am not associated with these creditors and I did not initiate the inquiries with 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 XXXX XXXX XXXX XXXX XXXX. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I XXXX XXXX has been working on my credit for the last 5 years and sent in dispute letters, talk to reps at XXXX and Capital One credit cards. The score from XXXX XXXX has place me in a set back because of turned down because of wrong score input and providing me a up to date score. My score has the biggest gap in the XXXX report and the rest of the Bureaus XXXX points or for, there want me to pay to update my score instead of doing it as company promised a 7 day undated report. Capital one is in violation of removal of old credit cards amount. There keep changing dates and violated my fair credit acts for proper reporting. I e been turned down on a car I shouldnt have been and other credit cards because of the none reporting from both capital one and XXXX XXXX. There is an investigation number in place for XXXX ( XXXX ). Also several calls and letters to show just for my complaints. Capital one is not honor State of Michigan fair credit acts to remove any old credit that is over XXXX to XXXX XXXX XXXX must be removed. Capital one keeps changing date of contract and sending credit bureaus the wrong information. Capital one is out of Texas and have been bulling my fair credit in order to try to make me pay old charges from over 10 years or more. There still have not proved to the credit bureaus the corrections for Im asking for all capital one old charges to removed and deli-quite dates of any inquires soft or hard was done on there site with the promise nothing would be hard inquire and those are still on all three credit reports. 
Account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to the company to get a verification of debts for an account of XXXX XXXX and for XXXX XXXX XXXX on my account in XXXX of 2023. 

I have yet to still see any response this Credit report agency has failed to follow dispute procedures, also has failed to conduct an initial internal investigation within 30 days, the third violation was they did not inform me of the results within 5 days. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting. 


Pursuant to 15 usc 1681 ( a ) ( 2 ) g Your company 's mistake has caused me serious harm. Serious harm means any harm, whether physical or non physical, including psychological, financial, or reputational harm. My reputation has been negatively impacted. 
Since your company ASSUMED this role, it depends upon an honest evaluation. You have not received expressed permission from me, the consumer, to report these inaccuracies. And since you assumed this information was valid. This is a direct violation of my consumer rights. 

When you furnished this inaccurate information without doing a thorough and fair investigation you violated my rights. As a result of you not validating this information before Reporting To my consumer report, you have breached my rights to privacy.

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 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I recently lost both of my parents. XXXX passed XXXX, mom XX/XX/XXXX. I was left with a XXXX  brother. When my mom passed her accounts were frozen and we got behind 4 months. My brother and I are on the deed not the mortgage. He has lived in this home since birth. he is now XXXX. We originally had a loan with XXXX. I contacted them in XXXX of XXXX and explained the situation. I sent over both death certificates and became successor of interest. They granted me a modification, lowering the monthly payment to XXXX and starting payments XX/XX/XXXX. The terms of the modification were to pay 3 months on time and they would honor the modification for the remainder of the loan. We made all the payments. XXXX was sold to Mr. Cooper. When I received the letter from Mr. Cooper and continued making payments, nothing was mentioned about the modification. We kept making payments. In XXXX i noticed that the full amount we were behind was past due and we were told we had until XX/XX/XXXX to pay {XXXX  or foreclosure would begin. They applied all current payments to the back 4 months the modification was issued for and told me that the modification was denied. They claimed to have never gotten my mothers death certificate. They were all faxed over to mr cooper with the modifcation documents that XXXX  issued us. Now our payment is {XXXX and we have a very limited number of time to get caught up. we need some time to get back on track, My brother will have no where to live. I have contacted HUD for help

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

Complaint narrative:
1. Inquiry Date : XX/XX/2023 Creditor Name : XXXXXXXX XXXX XXXXXXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : XXXX  XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Type : Hard 4. Inquiry Date : XXXX, XXXX  Creditor Name : XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard All these inquiries above were put on my credit report by a dealership I found out. I Personally never stepped into these dealerships and do not know the inquiries. 
I filed for identity theft because of these fraudulent inquiries. because they are fraudulent

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 2024-02-02 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: OH

Complaint narrative:
1. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX XXXXXXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Type : Hard 4. Inquiry Date : XXXX, XXXX Creditor Name : XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Inquiry Type : Hard All these inquiries above were put on my credit report by a dealership I found out. I Personally never stepped into these dealerships and do not know the inquiries. 
I filed for identity theft because of these fraudulent inquiries. because they are fraudulent

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 2024-02-02 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: SC

Complaint narrative:
My information has been improperly used. Now my credit report has items that are not 100 % accurate. To make matters worst, my credit card limits got reduce because these inaccurate item are hurting my 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 2024-02-02 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: IL

Complaint narrative:
Please see attached XXXX. Do not close this complaint stating it is not me. I am a natural person and a 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 2024-02-02 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it 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 2024-02-02 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:
2. Inquiry Date : XX/XX/XXXX  Creditor Name : XXXX XXXX XXXX Inquiry Type : Hard Hard inquiries were placed on my account due to identity theft that are unauthorized. 
These inquiries were not permitted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern, My rights as a federally protected consumer are being violated by XXXX XXXX, Transunion, XXXX and XXXX by reporting a balance {$6400.00} on my monthly consumer credit report. XXXX XXXX  and the above consumer reporting agencies did not disclose information how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information. 

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any account balance information.

Please remove the reporting of my account balance information. It is personally identifiable financial information. 


Thank you for 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 non-monetary relief
Consumer complaint received 2024-02-02 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: AZ

Complaint narrative:
To whom it may concern, My rights as a federally protected consumer are being violated by XXXX XXXX, XXXX, Experian and XXXX by reporting a balance {$6400.00} on my monthly consumer credit report. XXXX XXXX  and the above consumer reporting agencies did not disclose information how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information. 

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any account balance information.

Please remove the reporting of my account balance information. It is personally identifiable financial information. 


Thank you for 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