vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: IL

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 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX - loan taken out at dealership from Huntington National Bank late XX/XX/2024 - using existing online banking tool, scheduled one time payment from XXXX Bank on XXXX and recurring payment from XXXX starting XXXX. Huntington currently has a recurring payment from XXXX on a different auto loan from the same XXXX account XXXX - Huntington claimed NSF and charged my {$25.00}. XXXX did not charge me and there were sufficient funds. 

XXXX - Using existing online banking tool, re-scheduled one time payment from XXXX bank. Deleted previous recurring payment and re-entered it. I assumed I XXXX have made a mistake. 

XXXX - Huntington claimed NSF and charged my {$25.00}. XXXX did not charge me any NSF fees and there were sufficient funds. 

XXXX - Went to local branch. They claimed that this was XXXX 's fault for rejecting payments or that I had entered the wrong account information multiple times. XXXX has no record of Huntington charging me for this loan. XXXX has extensive records of charges for the other auto loan. Paid delinquent and XXXX payment amounts via XXXX check XXXX Set up ACH directly with Huntington at branch. I firmly believe Huntington 's online banking tool did something to the entered account number that led to these rejections. I use the XXXX routing and account number frequently for other vendors and have never had a problem. I find it extremely hard to believe I made two mistakes in quick succession with Huntington especially based on my experience and my focus on entering the second payments after the first NSF rejection. Huntington Branch stated they would enter a complaint on my behalf. I tried to enter a complaint directly to Huntington online and was unable to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: GA

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 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: PA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate XXXX account number XXXX date open XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: NJ

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-28 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: CA

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 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XX/XX/XXXX, while on spirit airlines website, a pop up ad from Bamk of America offering a credit card, a {$100.00} off if {$1000.00} is spent within the first 90 days with the ability of including the ticket being purchased that day toward the {$1000.00}. An additional {$100.00} voucher in the future and XXXX bonus points. I applied for the card and was instantly approved but an error in their system prevented the ticket from being purchased with the card. This was infuriating and effectively negated the entire deal for me, yet I was stuck. Endless calls and attempts to chat with Spirit Airlines as well as Bank of America were unsuccessful and after about a week of utter frustration and finger pointing between Spirit Airlines and Bank of America, I resigned myself to a useless credit card. 

In late XX/XX/XXXX, I decided to make a furniture purchase to at least get the {$100.00} promised by spending {$1000.00}. I achieved this but then, the furniture ended up on back order until XXXX and I cancelled the order. I then canceled the Bank of America/Spirit Airlines card and washed my hands of the entire thing. 

I continued to get statements from Bank of America with a negative {$100.00} balance. I called requesting they stop. The woman I spoke with around the beginning of XX/XX/XXXX told me I would be receiving a check for {$100.00} in the mail. I argued that this shouldnt happen because I had not earned it. The woman told me to just cash the check ; she said I had fulfilled the requirement by spending the {$1000.00}. 

I cashed the check feeling very odd about it, and put it behind me until I received an IRS XXXX XXXX from none other than Bank of America. With dread, I called the phone number on the document and sure enough, it was for cash awards for the {$100.00} as well as {$500.00} for their XXXX bonus points which could only be used with Spirit Airlines. 

This constitutes tax fraud as well as fraud toward consumers. I canceled this card. I did not get {$500.00} in cash or use the bonus points. Nothing from the beginning of this unfortunate ordeal has been honest. How many other consumers fell prey to this pop up ad and it is STILL being offered currently. 

And the final salt in the wound? It increased my tax liability by almost {$300.00} because of the {$600.00} income. 

I have an appointment with Bank of America locally to try to get them to change it but its likely going to be more wasted effort. 

Please make them stop this practice and make them pay their full tax obligations rather than deferring it to unfortunate customers who get scammed.

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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I hope this message finds you well. My name is XXXX XXXX XXXX XXXX XXXXXXXX, and I am writing to you regarding a concerning issue I have encountered with my recent attempts to make a wire transfer from my Chase account to another American bank. I went a couple of weeks ago to your agency in XXXX and talked to XXXX XXXX about my account. 

Despite multiple attempts, my transfers are consistently delayed and denied, and I have been receiving fraud alerts from Chase. I have diligently responded to all requests for information, yet the issue persists. This has caused significant inconvenience, and I am reaching out to seek your assistance in resolving this matter promptly. 

I understand the importance of security measures in financial transactions, and I assure you that all the provided information is accurate and legitimate. The delays in processing my wire transfers are impacting my financial transactions and commitments. 

I kindly request your immediate attention to investigate and address this matter urgently. If there are any additional steps required from my end or specific information needed, please inform me promptly so that I can facilitate the resolution. 

I appreciate your prompt attention to this matter and trust that you will ensure a swift and satisfactory resolution to restore the functionality of my account for wire transfers. 

Last but not least, if not solved this situation I will ask for the help and assistance of the Consumer Financial Protection Bureau ( CFPB ) and my attorneys will sue Chase in the United States and seek compensation for the harm they are causing me and the loss of time incurred. 

Thank you for your understanding and cooperation and please send this statement to the director or the manager in charge at Chase who can promptly address this situation. 

Your urgent attention to this issue is crucial, and we hope for a swift resolution. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX debt card number XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/2022 Equifax started harassing me for an IRS consent form 4506 C it was stated that they were doing this on the behalf of a request from XXXX XXXX XXXX. I had several times requested that they stop sending me information to my email because as we all know our accounts are constantly getting hacked. When discover was unsuccessful, they enlisted the assistance of Equifax, which means Im sure they requested other information from Equifax that Equifax had. That is merely speculation. However, when I called and attempted to verify and gather information with Equifax, they were extremely resistant, and had me on hold for 47 minutes. I was not able to get a straight answer from the employee at Equifax, nor would he transfer me to someone who spoke English as a native tongue. The employee stated his name was XXXX. Finally, I hung up and have not pursued this. I would like CFPB to investigate this particular practice from Equifax. I find it distasteful and invasive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never gave written permission for XXXX XXXX to use my information for filing a report and not only that, they settled and told me they would close my account and remove from credit bureaus.

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 2024-02-28 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: NY

Complaint narrative:
Inquiries attached on my credit reports are not done by me I believe they are fraudulent inquiries so I am requesting for your full investigation about this.

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 2024-02-28 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: IN

Complaint narrative:
I am writing to complaint to XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, IN XXXX, and my name is XXXXXXXX XXXX XXXXXXXX XXXX. My birthdate is XX/XX/. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-02-28 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: GA

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.

has violated my rights. Or a list of inquiries : 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: GA

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.

has violated my rights. Or a list of inquiries : 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-02-28 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: AZ

Complaint narrative:
I believe that this account is reporting inaccurately.

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