vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
There was a first CFPB complaint that I had made to Huntington regarding fraudulent behavior at the bank closing my account. There was a resolution drafted by Huntington regarding this fraudulent closing of my account that indicated all related Huntington accounts were closed ( attached ) on XXXX. I made a second complaint regarding additional email harassment from Huntington and being locked out of my Huntington online account since the first complaint was filed on XXXX because I wanted to try turning off the emails on their website. Regarding this second complaint, I received a letter ( attached ) on XXXX stating that Huntington has a Standby Cash account connected to my Checking account which I had understood was closed based on the Huntington resolution to my first CFPB complaint on XXXX. The statements Huntington provided with this letter clearly state " YOUR ACCOUNT IS CURRENTLY CLOSED ''. In addition, the letter explicitly states " that as of the date of this letter you have no open accounts with Huntington. '' The date of that letter is XXXX. 

Huntington very clearly indicated in their letter and response to my first CFPB complaint that all of my Huntington accounts were closed. This was again confirmed in the letter and response to my second CFPB complaint however Huntington is now fraudulently requesting payments for an account they admit is closed after they barred me from doing business with them and cost me hundreds of dollars in time having to change bank accounts and re-route all my bill payments. Huntington also continues to block me from accessing my account on their website where I could potentially turn off their emails which continue to harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Affirm LLC went to XXXX XXXX XXXX, a Debt Collector, claiming I purchased a Virtual Card with account XXXX ending in XXXX. As of XXXX XXXX they claim the debt on that card was {$120.00} They also claimed I had a purchase on another account ending in XXXX, for a XXXX camera purchase, for {$830.00}. These fraudulent claims are now on my credit report and are negatively affecting my once excellent credit. 

They are saying it will take about 20 days to investigate. I tried to explain and dispute any purchases with said company but nothing seemed to work. When I inquired since I was disputing opening any such accounts that any future charges be stopped and the fraudulent account be closed. They said they could not do that, I would have to contact Affirm LLC. How can I stop an account I never opened?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I changed cell phone providers from XXXX to XXXX XXXX XXXX. The change was successful. After that I went to log on to Citi and received a popup asking me to call a number for a One Time Activation code.

I called the number and was told, on four separate calls, that because I had switch cell phone providers that there was a " service provider restriction '' on my account. Citi said that XXXX XXXX XXXX could resolve the issue. 

So I called XXXX XXXX XXXX and they had no idea what I was talking about. There was absolutely no restriction on XXXXXXXX XXXX XXXX end that would disable me from accessing my CITI account. So I called Citi back and asked them what my bank needed to do. CITI said that my bank needed to remove the service provider restriction. I called XXXX XXXX XXXX and I have no service provider restriction on my account. I'm stuck in a loop with no access to my own money because of obstruction by Citi.

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 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I have had full homeowners insurance for the life of the loan. When the loan was taken over by Shellpoint, they failed to obtain my insurance information. After telling me that they were not going to set up an escrow account because I had insurance, they did so anyway and charged me. On 3-4 occasions I have sent them proof of my insurance. Finally today ( XXXX ) they cleaned up the escrow account. On XX/XX/year> I paid off my mortgage based on the amount they provided using wire transfer. They have not finalized my mortgage and sent me the paperwork.

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 2024-12-20 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 federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX  account # XXXX 15 u.s.c 1681 section 602 A states I have the right to privacy.

15 u.s.c 1681 section 604 A 2 it also states a consumer reporting agency can not furnish a account without My recent instructions.

15 u.s.c 1681c. ( a ) ( 5 ) Section states no consumer reporting agency May make a consumer reporting contain any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more then 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 the information is incorrect

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 2024-12-20 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated My federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 A states I have the right to privacy.

15 u.s.c 1681 section 604 A 2 it also states a consumer reporting agency can not furnish a account without My recent instructions.

15 u.s.c 1681c. ( a ) ( 5 ) Section states no consumer reporting agency May make a consumer reporting contain any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more then 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 the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-12-20 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am reaching out to dispute several inaccuracies on my credit report that could significantly harm my credit profile. First, I request that my name be updated to " XXXX XXXX XXXX XXXX '' and all other name variations be removed. Also, please update my employer to XXXX XXXX XXXX XXXX where I am currently employed. 
These inaccuracies have caused me significant stress and frustration, as they damage my financial reputation and raise concerns about potential identity theft. Mistakes like these could negatively impact my creditworthiness and are a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer information. I request that these errors be corrected immediately to ensure my personal data is accurate and up to date. Additionally, I urge you to investigate how these errors occurred to rule out any potential fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NV

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2024-12-20 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: TX

Complaint narrative:
I have contacted this credit reporting company about the accounts, charge off accounts, and collection account ( s ) listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. Also they have accounts listed as ( CHARGED OFF ) I have never been provided a ( 1099-c ) tax form. I asked how can they show ( CHARGED OFF ) and report a balance? I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if I opened said accounts and if said accounts belong to me. They responded as " account verified '' I asked for proof of how they verified these said accounts. I have yet to receive proof of debt validation from this company. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-20 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: TX

Complaint narrative:
I have contacted this credit reporting company about the accounts, charge off accounts, and collection account ( s ) listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. Also they have accounts listed as ( CHARGED OFF ) I have never been provided a ( 1099-c ) tax form. I asked how can they show ( CHARGED OFF ) and report a balance? I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if I opened said accounts and if said accounts belong to me. They responded as " account verified '' I asked for proof of how they verified these said accounts. I have yet to receive proof of debt validation from this company. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-20 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
I submitted an IBR application several months ago. I should be in a processing forbearance so my months will count toward PSLF. Mohela needs to give me my 2 months/60 days processing forbearance and move me to IBR so I can keep gaining months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
In the United States, consumer protection laws play a crucial role in regulating the actions of financial institutions, including banks. One significant regulation is found in the U.S. Code ( USC ), which addresses the rights of consumers regarding their bank accounts. 

XXXX XXXX XXXX Bank Account Closure and Notification Under **12 USC 1831mXXXX, banks are required to provide notice before closing a consumer 's account. This regulation ensures that consumers are informed of any actions taken by their bank that could affect their financial standing. Specifically, banks must notify account holders in writing, giving them an opportunity to address any issues that may lead to the closure of their account. 

This provision emphasizes the importance of transparency and communication between banks and their customers, safeguarding consumers from unexpected financial disruptions. 

XXXX XXXX XXXX Consumer Fraud and Legal Recourse In addition to the notification requirement, consumers have the right to pursue legal action if they believe they have been subjected to fraudulent practices by a financial institution. **15 USC 1692** outlines the Fair Debt Collection Practices Act ( FDCPA ), which provides consumers with the right to sue for damages if they are subjected to deceptive practices in debt collection or account management. 

If a bank closes an account without proper notification or engages in fraudulent behaviorsuch as misrepresenting fees, terms, or the status of an accountconsumers may file a lawsuit under this statute. Victims of such practices can seek damages, which may include actual damages, statutory damages, and in some cases, attorney fees. 

XXXX XXXX XXXX  Conclusion In summary, U.S. laws protect consumers by requiring banks to inform account holders before closing accounts and allowing individuals to seek legal recourse for fraudulent practices. These regulations empower consumers and promote accountability within the banking industry, ensuring that financial institutions operate fairly and transparently. If you believe your rights have been violated, it is advisable to consult with a legal professional who specializes in consumer rights to explore your options for recourse.

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