vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Reporting Act, this creditor Experian, and XXXX has violated my rights Under 15 UCC 1681 section 602 states that I have the right to privacy. 15 USC 1681-section 604a- section 2 states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC-1666 B a creditor may not treat a payment on a credit card account under an open and 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 2023-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It was suppose to be a soft pull as XXXX XXXX advertise on their website. So when we do a soft pull only 2 second after I noticed a hard pull showing on Equifax bureau. I was upset but the representative don't give me a reasonable answer whey a hard pull when it suppose to be only a soft credit pull? 
I guess my English is limited so when I try to explain to them no one listen to me. Then the XXXX XXXX representative even telling me you have to be at least 12 MONTHS to approved for personal loan when the person help me applied for my loan said it ok even I'm still new customer less than 1 MONTH WITH XXXX XXXX! IF I'M A NEW XXXX XXXX CUSTOMER LESS THAN 12 MONTHS THEN THE PERSON APPLIED PERSON LOAN FOR ME SHOULD NOT APPLIED FOR ME IN FIRST PLACE TO GET ME INTO THIS MESS!! 
They're misleading me every step just trying to open up my checking account with XXXX XXXX. Someone have to take responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I went to the Huntington Bank in XXXX Michigan to open a savings and checking account on XX/XX/2023. The account representative order checks for me. I was told it would take 10 working days at least to get my debit card and the checks. I finally received the debit card and tried to activate it. It was unsuccessful the numerous times I tried. It was noted to call the customer service line. When I did I was told that they could not activate the card as well. I was finally told that they were in the process of closing the account. When I ask for the reason they said I would receive a letter explaining the whole situation. I have still not received suitable answer or letter telling me that the account was being closed. I have {$3500.00} in the bank account and I asked if I could go and retrieve my money. They said no that they were in the process of closing the account. Over a month has passed they have not sent any information to me nor have they called me after numerous calls that I placed in the XXXX branch. I am a senior citizen only on social Security. The money is very important to me and they will not give it to me. The money consisted of a check that was written to me for {$3000.00} by my daughter through the XXXXXXXX XXXX. In addition I deposited {$500.00} cash. The check did clear and I received a letter that it had and that the account was supposedly open for me to use the funds as of XX/XX/2023. I continue to get emails asking me to activate my debit card. My last call that I made to Huntington Bank XXXX branch told me that they too are kept out of the loop. They did call regarding the account closure and was given to the fraud department. The lady at the bank told me that I was a double victim and she would try to find out better information for me and she would call me. She did tell me that according to the information on file my money would be held through XXXX XXXX or XXXX. To me this is criminal and they are holding my money, charged me for checks that I can't use {$21.00} and I still have not received a letter of explanation from them. The XXXX branch has been most helpful and sympathetic however the main branch or the fraud department is highly unprofessional it has yet to contact me. I need my money to pay my taxes which are now late because of the bank and regular living expenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
That is showing on my XXXX XXXX credit report I would like it removed as per theres no knowledge of this debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: AE

Complaint narrative:
In 2018, when I was about to be XXXX, I contacted OMNI to request a deferment for my original loan. I was concerned about my ability to access the internet to pay my bills during this time. They sent me the necessary paperwork, which I promptly completed and returned. I was then informed that my loan would be placed in a deferment status as soon as they received the paperwork. 

However, when I returned, I was informed that my loan was never placed in deferment, and now I owe almost {$6000.00}, including interest and other fees instead of the original {$1200.00}. This has caused a lot of financial turmoil for me, and I am seeking your assistance in resolving this matter as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Validation Request for XXXX Dear Sir/Madam, I am writing to formally request the validation of a debt that your agency claims I owe. I received a communication from your agency regarding an alleged debt, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. 

I request that you provide the following information to establish the validity of the debt : 1. The full amount of the alleged debt, including any additional charges, fees, or interest that have been added. 

2. Detailed information about the original creditor, including their name, address, and contact information. 

3. Proof of your agency 's authorization to collect this debt, including documentation demonstrating that you are licensed to collect debts in my state. 

4. Verification of the date this alleged debt was incurred, along with any supporting documentation that proves I am responsible for the debt. 

5. A complete payment history showing all transactions related to this debt, including any payments made, charges, and any adjustments or credits applied. 

6. Copies of any contracts or agreements I supposedly signed with the original creditor, specifically proving my liability for the alleged debt. 

Please note that according to the FDCPA, you are required to provide this validation information within 30 days from the date of this letter. During this time, you should cease all collection activities related to this debt until you have provided the requested validation. 

If you are unable to validate the debt, or if any of the requested information is unavailable, please immediately cease all collection efforts and remove any negative information regarding this debt from my credit reports. Failure to provide the requested validation will result in the assumption that this debt is invalid, and I will pursue all available legal remedies to protect my rights. 

Please ensure that all further communications regarding this alleged debt are conducted in writing. Any phone calls or other forms of communication should be documented and kept for my records. 

I expect your prompt attention to this matter and a timely response. I look forward to receiving the requested information within 30 days from the date of this letter. Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states, i have the right to privacy. 15 USC 1681 Section 604A, section 2 it also sates a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states, i have the right to privacy. 15 USC 1681 Section 604A, section 2 it also sates a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states, i have the right to privacy. 15 USC 1681 Section 604A, section 2 it also sates a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On or about XXXX, XXXX my wife was approved for a new car loan from XXXX XXXX XXXX, of which I am the co barrower. Ach payments were set up to have been automatically withdrawn from our joint XXXX XXXX checking account by my wife, in order to never be delinquent on the new car loan from XXXX XXXX XXXX. XXXX did in fact receive the payment for XX/XX/XXXX from XXXX XXXX without any problem. However the payments for XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, once issued by XXXX XXXX, and received by XXXXXXXX XXXX was not accepted by XXXX, and without any notification, nor explanation, the payments for the above stated months were all returned to XXXX XXXX! This error which has been caused by XXXX, currently appears on both my wife 's credit, as well as my own, which has adversely effected our credit score! My wife 's credit score was over XXXX points, and my score was over XXXX points. We now are being punished for a problem that was caused by XXXX, and not by my wife, and I. Almost all of our credit cards have been reduced to {$500.00} because of the appearance of being delinquent which has been reported on the credit reports. And our ability to obtain any personal loans, have been impossible to obtain, again because of what XXXX has reported to the credit companies. I have tried several times to resolve this issue with XXXX, by having 3 way phone conversations between XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and myself, but to no avail. Representatives from XXXX have even told me that if I could provide documented proof of their error, they would in turn contact the 3 major credit companies with the updated and correct information, and that they would have the report of delinquency removed from my wife, and my credit report. and after I have gone into a XXXX branch office, and provided them with photographic proof of XXXXXXXX XXXX XXXX error twice, this promise has not been fulfilled. Please note, that once I became aware of these actions caused by XXXXXXXX XXXX... I paid the account out of my XXXX checking account in XXXX of XXXX, which brought the account to the status of current, and it has been current since 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