vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against The Huntington National Bank. Last week my account was compromised into and money was stolen, through XXXX, to someone that I do not know. The transactions took place between XXXX XXXX and XXXX XXXX to a person named XXXX XXXX, XXXX. These transactions were completed without my knowledge or my authorization. When I awoke the morning, I saw notifications from Huntington telling me that there were names added and deleted from my recipient account. I am not familiar with these names nor would I have sent someone I do not know money. I contacted Huntington Bank on Friday XX/XX/2023 and let them know that there were fraudulent transactions on my account. They advised me to close the account, file a dispute and open a new account, which I did on the XXXX. I went to the XXXX Police Department on Friday XX/XX/2023 and filed a police report, which I provided to Huntington along with the email notifications that I received regarding the transfers. Today, XX/XX/2023 I was informed that my dispute was denied. The reason for denial is " consistent with previous behavior ''. I have a list of five people in my recipient account that include FAMILY only. XXXX XXXX is not a family member nor do I know him. I have, on several occasions called Huntington Bank, to let them know that I do not know this person and the charges are fraudulent. I have been hung up on, told that I DID IN FACT SEND THE MONEY and lied to about getting a credit back. It is illegal to steal money from someone's account without his or her knowledge and I do not understand why Huntington is treating ME like the criminal when I have done nothing wrong, I want Huntington Bank to be held accountable for the fraud that took place in my account. I should have been notified that there were many transactions taking place in the middle of the night. XXXX needs to be regulated so that others do not have the same thing happen to them. Unfortunately, through my research I have seen the millions upon millions of dollars that have been lost due to phishing and scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have attempted several times to work with this company directly in resolving my complaint. I have a late payment reporting on all three credit bureaus from this account inaccurately I could not get in touch with the company to make a payment and they blocked me from using their app for over two months. I HAVE SINCE PAID THIS ACCOUNT IN FULL AND ASKED FOR THE LINE OF CREDIT TO BE CLOSED THE ACCOUNT IS STILL REPORTING AS OPENED ON MY CREDIT REPORT AND NOW IT IS SHOWING TWO ACCOUNTS WITH THIS COMPANY BOTH HAVE THE EXACT SAME INFORMATION AND IT IS MAKING IT APPEAR THAT I HAVE FOUR LATE PAYMENTS ON MY CREDIT REPORT THIS ACCOUNT SHOULD BE CLOSED NOT OPEN AND IT SHOULD NOT BE REPORTING TWICE ON MY CREDIT FILE PLEASE CORRECT THIS INFORMATION AND FOR THE LAST TIME CLOSE THIS XXXX ACCOUNT YOU ARE COMPLETELY UNRESPONSIVE TO MY EMAILS AND THAT IS THE ONLY WAY TO CONTACT YOU. CLOSE ANY ACCOUNTS THAT I HAVE WITH YOU AND IF YOU CLAIM I HAVE TWO ACCOUNTS I WANT PROOF MAILED TO MY ADDRESS XXXX XXXX XXXX XXXX XXXX az XXXX showing that I applied and opened two accounts. I AM BEYOND XXXX AND AM GOING TO BE VOICING MY OPINION EVERYWHERE I WILL ALSO BE CONTACTING AN ATTORNEY.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have attempted several times to work with this company directly in resolving my complaint. I have a late payment reporting on all three credit bureaus from this account inaccurately I could not get in touch with the company to make a payment and they blocked me from using their app for over two months. I HAVE SINCE PAID THIS ACCOUNT IN FULL AND ASKED FOR THE LINE OF CREDIT TO BE CLOSED THE ACCOUNT IS STILL REPORTING AS OPENED ON MY CREDIT REPORT AND NOW IT IS SHOWING TWO ACCOUNTS WITH THIS COMPANY BOTH HAVE THE EXACT SAME INFORMATION AND IT IS MAKING IT APPEAR THAT I HAVE FOUR LATE PAYMENTS ON MY CREDIT REPORT THIS ACCOUNT SHOULD BE CLOSED NOT OPEN AND IT SHOULD NOT BE REPORTING TWICE ON MY CREDIT FILE PLEASE CORRECT THIS INFORMATION AND FOR THE LAST TIME CLOSE THIS XXXX ACCOUNT YOU ARE COMPLETELY UNRESPONSIVE TO MY EMAILS AND THAT IS THE ONLY WAY TO CONTACT YOU. CLOSE ANY ACCOUNTS THAT I HAVE WITH YOU AND IF YOU CLAIM I HAVE TWO ACCOUNTS I WANT PROOF MAILED TO MY ADDRESS XXXX XXXX XXXX XXXX XXXX az XXXX showing that I applied and opened two accounts. I AM BEYOND XXXX AND AM GOING TO BE VOICING MY OPINION EVERYWHERE I WILL ALSO BE CONTACTING AN ATTORNEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have attempted several times to work with this company directly in resolving my complaint. I have a late payment reporting on all three credit bureaus from this account inaccurately I could not get in touch with the company to make a payment and they blocked me from using their app for over two months. I HAVE SINCE PAID THIS ACCOUNT IN FULL AND ASKED FOR THE LINE OF CREDIT TO BE CLOSED THE ACCOUNT IS STILL REPORTING AS OPENED ON MY CREDIT REPORT AND NOW IT IS SHOWING TWO ACCOUNTS WITH THIS COMPANY BOTH HAVE THE EXACT SAME INFORMATION AND IT IS MAKING IT APPEAR THAT I HAVE FOUR LATE PAYMENTS ON MY CREDIT REPORT THIS ACCOUNT SHOULD BE CLOSED NOT OPEN AND IT SHOULD NOT BE REPORTING TWICE ON MY CREDIT FILE PLEASE CORRECT THIS INFORMATION AND FOR THE LAST TIME CLOSE THIS XXXX ACCOUNT YOU ARE COMPLETELY UNRESPONSIVE TO MY EMAILS AND THAT IS THE ONLY WAY TO CONTACT YOU. CLOSE ANY ACCOUNTS THAT I HAVE WITH YOU AND IF YOU CLAIM I HAVE TWO ACCOUNTS I WANT PROOF MAILED TO MY ADDRESS XXXX XXXX XXXX XXXX XXXX az XXXX showing that I applied and opened two accounts. I AM BEYOND XXXX AND AM GOING TO BE VOICING MY OPINION EVERYWHERE I WILL ALSO BE CONTACTING AN ATTORNEY.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am victim of identity theft. These items are not conducted by me as a consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am victim of identity theft. These items are not conducted by me as a consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I already have a current complaint in about this company. They wont stop calling me its abusive. They put this debt on another reporting agency the day after I filed the first complaint with this bureau, as I feel its in retaliation. I also starting to feel like the debt holders are intentionally trying to avoid looking at all documents in a dispute and trying to have verbal discussion outside the consumer financial bureau. No this is a cease and desist order on phone calls. Cant prove who you are or is its a spoofed number and I have evidence of phone call abuse from attorneys in XXXX XXXX during my XXXX XXXX claim as pro se. This company states there policy is no email, well I ended the conversation because I dont do verbal and obviously they have a email as a registered company. There is a phone record I called before this company unlawfully putting a debt on credit reports when everyone has been in the know. This dispute doesnt need more communication. The proof of unlawful activity from the state of XXXX  has been given, again, emails were sent out many many times. The law is the law. Stop abusing me. Im a XXXX man. A government official was let go for misconduct on XX/XX/2022, one of persons names involved in this case. I videotaped myself going there and passing in evidence to the Attorney general. My affidavits already proves more misconduct and abusive behavior especially to a XXXX man.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Yesterday i disputed a collection account... It was originally XXXX XXXX which is a XXXX account. I disputed it as you will see from my images that the debt collector reaged the account reporting it as new which is ILLEGAL per the FCRA. I disputed it and they spent 5 seconds and verified it as accurate even though I explained the date issue they constantly refuse to investigate any of my disputes and refused to take my phone calls now as I get connected then dropped shortly after. They also refuse to allow me to submit disputes.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX Has violated my rights 15 u.s.c. 1681 section 602 A. States I have the right to privacy. 

15 u.s.c. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my writing 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 items 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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX of Truist bank was notified on XX/XX/23 that I demanded my accounts at the bank be closed.She was given legal notice of this at her personal e-mail address. Instead of closing the account as instructed she has added a fee and interest to a dormant account. I REFUSE TO PAY ANY MONEY TO THE XXXX BANK.

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 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Services have acquired information from a company in which is a debt buyer and have not given me the right and proper form of dispute in which includes the consumer requesting UCC 9-210 I have the right to request for accounting of the original ledger and authenticated record. I also have the right to privacy of my non public personal information in accordance with 15 USC 6802, I have the right to opt out of sharing this information but have not received any information in regards to opting out, portfolio recovery is violating FDCPA, Code of Federal Regulations, Fair Credit Reporting Act. Procurement of consumer report for resale is also prohibited by the consumer not being notified. Please delete from your information in which this information is incomplete and inaccurate. I have no contract with this company with my wet ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I notified Transuion that I am a victim of identity theft and there is fraudulent accounts reporting on on my credit report that I did not open or authorize

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 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Id like to respond to a previous complaint to Wells Fargo on a mortgage issue. I was advised an 7 year ARM rate of 3.25 %. I confirmed with the loan officer over 3 times that we could use the higher XXXX score of my husband even though Im the higher wage earner. I was further told that I could lower rate by another 0.125 % with {$250000.00} moved over to Wells Fargo. However after I applied I was told that the best rate is 3.5 %. They suggest that I move over XXXX so I can get 0.125 % rate discount, knowing the fact that I should have received a rate of 3.125 % with the deposit. This is a clear violation of Truth in Lending Act. Its bait and switch tactic used by the bank. I could have gone with XXXX XXXX XXXX with a better rate. The bank responded by writing me a {$200.00} check and explained that rate can change during underwriting process. This is totally untrue given that Ive provided all the required documents and my XXXX scores and locked the rates of 3.25 %. The rate changed to 3.5 % not because of you identified any red flags in my credit profile but misrepresentation of the loan officer. Its humiliating to mitigate with {$200.00} check knowing that 0.25 % difference in interest rate on a {$850000.00} loan would make a difference of over {$14000.00} in 7 years ( the loan is 7 year Arm ). Its extremely frustrating as the lender notified me of the raised rates two weeks into the underwriting process where we had no choice but go along with it given that weve waived loan contingency and was at a crunch to closing! Its beyond frustrating to think that Wells Fago has done this to other borrowers during the loan process and tried to settle with a {$200.00} check when someone reports their act.

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 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received notification from family members/relatives that a company called and left a robo message stating I had to go to court. My relatives stated that a man stated he was an attorney and he was trying to serve me a summons. One of my relatives are disabled and contacted them as well but this relative just got their phone number. The impersonated attorney stated they got the number from a previous employer from XXXX XXXX. I contacted the Library because it was stated they served the library with my summons. The staff at the library stated they would never give out informatio to anyone, and no one went there with any papers. My relative started asking more questions and the law firm stated if I did not reach out to them they were going to send the summons to another employer listed as the government in Washington DC. and the file number is XXXX. The lawyer stated a civil complaint is against my license and was used to get something. I XXXX  this firm, but its not a lawfirm it looks like a debt collector by the name of XXXX and XXXX and their number is XXXX. They stayed the lawyers name is XXXX. I contacted all the courts in New York and they stated do not give any information to them to make a complaint. The courts stated a summons would be with the court and the file number they gave is not in the system. The court stated to ne thar anything against my licesnse would be through Department XXXX XXXX XXXX and they would be able to recieve my current information if it was licences number..This company also has my license number. The debt collector is impersonating to be attorneys and contacting my relatives and harrasing my family and my former employers. I XXXX  this company and others are stating it use to be Midland Credit, and this same XXXX and associates were doing the same thing harrasing consumers on a debt they didnt owe. This is tax season so I. assuming these illegal debt practices are illegal. I want this debt collector to stop harrasing my family and stop contacting my former employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Hello, I am contacting you today because I am trying to get all unauthorized credit inquiries removed from my credit file. The day that I applied for my vehicle I was not knowledgeable about credit or inquiries so I was not aware that my credit would be shopped around to different entities. Now that I am little more knowledgeable about credit and inquiries, I understand that they are hurting my credit and if possible, I'd like to have them removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent out multiple letters and complaints to all 3 credit bureaus, Transunion, XXXX, and XXXX. They refuse to remove this false information. I also submitted a complaint through you guys and nothing happened. They have a bankruptcy on my credit report which the person is not me, they said they recieved the information from the court which the court said they never sent that to 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 non-monetary relief