vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
On XX/XX/2023 I went to the bank named Huntington located on XXXX XXXX XXXX XXXX XXXX, WI XXXX United States I usually deposit cash through their ATM to my bank account ( XXXX XXXX XXXX ) located on XXXX XXXX XXXX XXXX XXXX, WI XXXX United States. I used Huntingtons service as usual, inserted my card, entered my pin, placed the cash {$310.00} USA DOLLARSin the ATM, the cash {$310.00} got stuck and the ATM ate the cash and didnt gave it back. It was not deposited into my bank account either. 
I have done this type of transactions through their ( Huntington ) ATM XXXX times with no issues at all only that one time in XX/XX/2023 at XXXX. 

I called the number provided in the ATM XXXX to see if I could have solved the issue through them but they said they said they couldnt do anything because it was my bank. 
I also contacted my bank and also went in person with my bank to create a dispute because Huntington said I should do that but nothing has resolved. I went in person to talk to the Manager at the Huntington branch same location ATM was at but the manger said she couldnt do anything about it because their branch had nothing to do with the ATM even though its the banks ATM. Also she said even if she looked at the cameras she would not be able to give me my cash back because again, the Huntington ATM had nothing to do with the actual bank.

I have been waiting for my money for the past 6 months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
The robin hood credit card closed my account. And that's fine. The statement close date is usually the XXXX of each month. I recently paid the card down to XXXX XXXX XXXX XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on XXXX XXXX that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm upset with Experian for brushing off my identity theft concerns and want them to reevaluate my case promptly. I've provided proof, and I expect a resolution without confusing explanations, along with the addition of a statement of continued dispute if necessary.

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Case number : XXXX XXXX I chatted with Amex agent XX/XX/24 in reference to my request for a credit line increase via phone. Ive was told they will review my account because they see that I have EXCELLENT credit history with them and it was strange that they wouldnt increase my credit line and she would call me back once they review it over with management. I never received the call back but I did get a email stating a card replacement was being sent. Today I call to ask why is a new card being sent verses the credit line increase and the new agent today stated there was no record filed for a credit line increase only a card replacement request which never happened. How is that possible as that was the initial reason of my complaint with AMEX and I sent it through CFPB database? 

Today the agent tells me that I have to now wait until I receive and activate the new card in order to ask for a credit line increase. I will be including the emails provided. 

This is highly suspect as I never requested a card replacement as I had to use my account on the card to verify my information. I did provide the agent a current address but never once asked for a card replacement only a credit card line increase for the highest amount available for that card type.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-01-29 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:
I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and this account on the credit report is incorrect. 
DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX *** XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXXXXXX XXXX XXXX Balance Owed : {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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:
The XXXX XXXX XXXX XXXX closed my account. And that's fine. The statement close date is usually the XXXX of each month. I recently paid the card down to XXXX XXXX XXXXXX/XX/XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on 2 months that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.

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 2024-01-29 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: NY

Complaint narrative:
The XXXX XXXX XXXX XXXX closed my account. And that's fine. The statement close date is usually the XXXX of each month. I recently paid the card down to XXXX XXXX XXXX XXXXXX/XX/XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on 2 months that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
The XXXX XXXX  credit card closed my account. And that's fine. The statement close date is usually the XXXX XXXX XXXX XXXX. I recently paid the card down to XXXX on XXXX XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on XXXX XXXX that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.

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 2024-01-29 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: CA

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX & JP Morgan Chase, XXXX FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. 

Under the Privacy Act of XXXX I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article XXXX of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  have also rights to XXXX XXXX on all things including non affiliates mailing solicitations. 
I should not receive any other piece of XXXX  from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am appalled by the persistence of a fraudulent account on my credit report, despite Identitytheft.gov reporting and the bank confirming its validity. Other bureaus have already removed it. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was never late... XXXX made an error with my address and sent the statement to the wrong address. They said they would remove the negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: GA

Complaint narrative:
Per the FCRA as a federally protected consumer. I am now opted out of any and all authorizations. I, the consumer may have given you written, un written, verbal, and non-verbal per 15 use 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
After reviewing my credit report I saw some hard inquiries that are not mine

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 2024-01-29 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-01-29 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: OH

Complaint narrative:
Someone tried to use my credit without my consent all on the same day for some type of financing. Before this I had XXXX ABSOLUTELY XXXX HARD INQUIRIES. Please help remove this fraud off of my ACCOUNT PLEASE!!! 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29 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: OH

Complaint narrative:
Someone tried to use my credit without my consent all on the same day for some type of financing. Before this I had XXXX ABSOLUTELY XXXX  HARD INQUIRIES. Please help remove this fraud off of my ACCOUNT PLEASE!!! 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been with Bank of America for a very long time I had my savings and checking Ive never overdraft or caused any problems. I had a credit card that started off with a {$300.00} balance was increased to {$800.00} always paid on time never late and the each and every time I go to apply for an increase in my credit card they always denied me, and Im not understanding I get a mortgage I get a car loan I get other credit cards without any problems but Bank of America for some reason keeps denying me I make good money. My credit is fine. My bills are paid so Im not understanding why they keep denying me. I can't help but feel that they're not doing their due diligence when verify my information or they are discriminating against me somehow.

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