vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I called Huntington bank for a XXXX XXXX XXXX from my XXXX from my trust in my nameSocial Security trust and all my personal information is a trustBut however I received a letter that just said contact them and XXXX because they denied me access to my on credit stating I dont qualify for my own creditsBecause of my credit reportI told them that is discrimination which it is and they told me that its nothing they can do about it. 

So Im so disgusted by this bank for telling me that I am not worthy of my own credit.

Federal reserve notes are not for me and its not back by anythingSo I am very disappointed in this company and they have broke oath and violated there fiduciary duty to my trust. 


Truth in lending act Federal Reserve act Privacy act Banking act I will not be denied my own credit as a creditor I applied for this loan I have XXXX XXXX in the bank and will not allow DISCRIMINATION FROM THIS BANK How can they deny me my own credit The US is bankrupt XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Ive tried to transfer money from my Marcus Goldman by Sachs savings account to my XXXX savings account and it was reversed.I had no idea why so I tried again.After waiting a couple business days, I checked and my second transaction was also reversed.I called the Marcus Goldman customer service and the agent told me I should try splitting the money and that should work.I complied and attempted to transfer my money again and was unsuccessful.Ive used the bank app to speak with agents who all told me I have to call and calling gave me the same results.They tell me my account is on hold and they are unable to tell me why because they can not authenticate my number which is absolute madness as I used said number to open the account.All this happened in over 2 weeks and to say Im disgruntled is an understatement.They told me to call back in 3 business days twice and are still unable to give me any information.I told the agents I will take legal action so Im currently waiting on them to fix this issue as I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
Upon investigation of my credit I was sent into a spiral on panic and anxiety. I found unverified inquiries and a number of unverified accounts being wrongly reported. I find the actions of the agency questionable since it is their responsibility to ensure the accuracy of the information that they report. This is having grave effects on my life and I need it fixed.

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 2024-01-25 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: TX

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

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 2024-01-25 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: TX

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

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 2024-01-25 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: NY

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: CT

Complaint narrative:
Yes I have made over {$70000.00} in mortgage loan payments in the last 4 years ; however, the company only shows approximately {$30000.00} in mortgage loan payments. I have addressed the issue with the mortgage broker who sold my mortgage loan to this company : https : //www.homeloanserv.com https : //www.homeloanserv.com/TransactionHistory/TransactionHistoryPdf/? loanNumber=XXXX & searchTerm= & startDate=XXXX & endDate=XXXX Unfortunately, people ignore me and refuse to address the issue with me or resolve the issue, even though math doesnt lie. Your computers and their staff lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I WENT TO XXXX WITH HEALTH ISSUE AND I HAD PURCHASED THE TRAVEL INSURANCE AND UNFORTUNATELY I COULD NOT TRAVEL AS I HAD PLANNED SO MY TRAVEL AGENT FILED THE CLAIM ON MY BEHALF WITH XXXX XXXX XXXX AND THEY PAID {$9900.00}, THE CHECK MADE FROM WELLS FAGO BANK UNDER MY NAME AND TRAVEL AGENT 'S ADDRESS, SO WHEN TRAVEL AGENT RECEIVED THE CHECK HE CASHED IT, AND COMMITTED FRAUD WHEN I FOUND OUT I CALLED THE TRAVEL AGENT HE DID NOT GAVE ME ANY EXPLANATION, SO I CALLED AND WROTE A LETTER TO XXXX XXXX XXXX XXXX AND I DID FRAUD PAPER WORK WITH WELLS FARGO BANK BUT TILL NOW THERE IS NO SOLUTION.. I WOULD LIKE THE INSURANCE COMPANY TO ISSUE ME A NEW CHECK AND WITH MY NAME AND MY ADDRESS AND DEAL WITH TRAVEL AGENT AT THEIR CONVINIENCE. 
THANKS

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 2024-01-25 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
One day ( XXXX XXXX XXXX a transaction of {$2000.00} appeared in my account that I did not authorize. The merchant was international and I had never heard of them before. I opened a dispute online thinking that the dispute was to report fraudulent activity. 

I later was told by Discover that they had received my dispute " as goods not received ''. This was completely wrong and I fixed the issue with the customer service by fixing the dispute XXXX XXXX XXXX XXXX XXXX XXXX Everything seemed to be okay. I got a letter in the mail XXXX XXXX XXXX XXXX  saying the investigation was over and I was not responsible for the transaction. 

However, Discover months later reinstates the transaction in my account even though they told me the investigation was over and I was not responsible. This is not legal nor transparent. Discover wouldn't give me their " evidence '' on how they reached to the new conclusion after firstly telling me I was not responsible. 

I am guessing they were hoping I would be careless and just pay the balance without noticing. How can I be charged something I did not approve? I will close my account with Discover, they say they have customer protection but they by far are not doing anything to protect their customers. Worst experience ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
i had a previous complaint closed but the problem was not solved and the US BANK was not true.What should have a very simple intra bank transfer from my IRA account to my checking was 8 weeks of frustration. If the CFPB had not gotten involved i would be still trying to get my transfer done.The USBANK response was not true and problem is still not fixed.WHY would the bank be dishonest.This should not be possible but it is and this the reason for this complaint. Thank response was not factual.the response said a letter of XX/XX/XXXX was sent saying that my request was being returned because the birthday was either missing or wrong.NO letter was received and nothing could be returned because the request was made by .There was nothing to return .and the transfer was rejected because of an error in name address DOB or SS #. NOT true true. .t he request for transfer was correct.in respect to the bank response to the problem .They backdated the to XXXX. I don't think this was legal.There was active claim in XXXX nor was there constructive receipt in XXXX. After all this the problem is not solved and could have a TAX problem.I think i understand what is wrong at the bank and i am also know that there are others with this issue..USBANK MUST FIX THE PROBLEM. If not the customers will be able access there and they to will have tax problems and lots of misery.The bank employees made misstatements so they could move the problem somewhere else because they couldn't fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I checked my email and saw that I had been sent Fast Pass tickets from XXXX XXXX  XXXX XXXX. I immediately called Wells Fargo to report the fraud. They closed out my card and sent me a new one. In XXXX ( I don't remember the date ), the charges of nearly {$780.00} were added back to my card. When I called to see why, I was told that they were added back because I had authorized the charges. I emailed XXXXXXXX XXXX  XXXX XXXX and was told that they felt like my email account was hacked and that they did not check that the person who purchased the tickets had my card or an ID even though their printed policy specifically states that they do that. I faxed this information over to Wells Fargo and had to do so twice because the first was " lost. '' I sent another fax in XXXX and was told that this one was also not received until I mentioned that I sent it from a branch. They were able to find it then. Despite XXXX XXXX saying that they did not verify the identity of the person who made the purchase and despite XXXX 's agreeing with me that email account had been hacked and despite the fact that the tickets were purchased from a computer that is in a completely different city from where I live, Wells Fargo still concluded that I authorized the transactions because XXXXXXXX XXXX XXXXXXXX XXXX said I did. Once my direct deposit from my job hits at the end of the month, I will be finding a new place to do my banking.

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 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OR

Complaint narrative:
I sent the company, Jefferson Capital, a verification letter on XX/XX/XXXX and they never responded to the letter, I sent them XXXX letter one they responded to concerning the {$1500.00} debt and they took it off but the {$20000.00} debt they didn't responded and I sent the letter the same day. Both where sent through certified mail. They took the the small debt off my report but have left the bigger one and haven't responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
The situation in my credit report is causing me profound distress, and my disappointment is thorough. It's not only highly embarrassing, but it's apparent that either you or the company is responsible for reporting this inaccurate information. I have a consistent record of on-time payments

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 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I have tried repeatedly to dispute this, the amount owed was paid directly to the creditor. It is still showing up on my credit report. I have also disputed it with credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX  I had put a {$100.00} bill and two {$50.00} bills into my Bethpage FCUs farthest right most ATM. The machine then froze and read that I had only put in {$150.00}. I cancelled the transaction trying to get back my {$200.00}, but only received {$150.00}. I went into the bank the next day and told them what happened to which they replied they would investigate. I was credited the {$50.00} while they conducted their investigation and later noticed that the {$50.00} had been taken back out of my account, meaning my claim was denied. I went back to the bank on XX/XX/XXXX to ask why and they told me after their investigation into themselves they found no discrepancies with the ATM and that there was nothing they could now do. They gave me a phone number to call, which I called multiple times and not once was I received by a representative as they were always busy.

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 2024-01-25 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: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-25 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: NY

Complaint narrative:
My Experian credit report, in the area that summarizes the score, shows that I have missed a payment. The actual credit report that shows all the lenders shows EVERYTHING ALWAYS paid 100 % of the time. My last correspondence from you, attached below states the Experian told you that information is correct. I have called them numerous times. Every employee I have talked to has said " Yes, I see that you have never missed a payment, but we can't tell you why it's showing that you did because we don't have that information. It looks like they are telling you they did. Can someone please let me know who is saying I was late? If they confirmed it with someone, then they must be able to tell me who to contact to fix it. As you will see by my attached report I have nothing on their report showing delinquent. I have also included my other two credit reports, both of which state my payments are 100 % on time. My score is XXXX XXXX higher with those companies. I am getting rates much higher due to this fraudulent Experian Credit Report. I don't think I should have to pay a lawyer to fix this when it seems pretty obvious I'm getting the runaround. Can you please protect me as you state you will? I appreciate your time and effort. 
Have a great day!

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am profoundly distressed by the condition of my credit report, and my disappointment is thorough. It is not only embarrassing but also evident that either you or the company is responsible for the inaccurate information being reported. With a consistent record of timely payments, I earnestly request the removal of any references to late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. 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 2024-01-25 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. 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 2024-01-25 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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