vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2022, withdrawals, unauthorized by me, were made from my Huntington National Bank accounts. These withdrawals totaled {$13000.00}. I discovered these transactions in reviewing my on-line bank account the morning of XX/XX/2022. I went to my Huntington branch and reported the theft to XXXX XXXX about XXXX XXXX As he was busy, we set to meet at XXXX XXXX XXXX but he did send me an e-mail stating he'd placed " XXXX holds '' on my accounts and nothing would leave my accounts unless it was confirmed with me. I did meet with XXXX XXXX at XXXX XXXX, and completed a Statement of Fraud report. 

Later in the day on XX/XX/2022, additional unauthorized withdrawals were made from my accounts totaling {$11000.00}. I saw them on my on-line account on XX/XX/2022. I e-mailed XXXX XXXX about this additional theft before XXXXXXXX XXXX. We met later in the day, where I completed another Statement of Fraud report. He was unable to explain how these withdrawals were made over the " XXXX hold ''. 

The {$24000.00} has not yet been redeposited to my accounts, nor has the bank indicated it would do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Convergent Outsourcing , Inc XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, WA, XXXX To : The Office of Registered Agent for Convergent Outsourcing , Inc . 


From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : 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 2022-04-13 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-13 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: LA

Complaint narrative:
I'd previously written to the creditor asking for specific documentation which if they could not provide they should stop reporting the debt. As you can see from the attached letter and the screenshot of my credit monitoring report the account was deleted. Then without any notification or explanation as to why Experian reinserted the account.

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
I received a Vanilla gift card for XXXX, I made a purchase at XXXX XXXX XXXX. I went to the Vanilla gift card website to check my remaining balance, only to find out that a charge to XXXX had been charged to my gift card. I contacted Vanilla Gift card customer service. I was told that a dispute would be emailed to me which it was and I completed and returned on XX/XX/2022. I received an email confirmation from Vanilla Gift card saying that they received my dispute packet and that the investigation will be launched and to call back in 90 days. I called back on XX/XX/2022 only to be told that they hadn't received my packet and that she would contact the dispute department and to give back in 48 hours. I called back on XX/XX/2022, only to be told that she hadn't heard anything back from the dispute department and to call back on XX/XX/2022. I called back on XX/XX/2022 to be transferred to the dispute department the lady said that she did not see a dispute packet for me, I read her what the email stated from Vanilla Gift card she told me that she will email the back office and that she is waiting for a response from them and to call back in 48-72 hours for a response. The emailed stated that investigations can take up to 90 days but most are resolved within the 90 days. Can anyone help me because I feel that I am being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
This involves my PayPal account. 

Funds we're paid into my account by someone. 

Once the funds cleared my PayPal I sent funds to someone else These funds had cleared and were already deposited into my PayPal. 

Approximately one week later this person fraudulently filed a false complaint with thier Bank stating it was an unauthorized transaction. 
PayPal refunded the {$2000.00} to them and is now wanting me to pay the {$2000.00}. 

I dont feel I should not be liable because PayPal had to refund the money due to bank laws and regulations. 

The funds had already cleared my PayPal. 
The funds were in my PayPal account for several days. 

My PayPal account has been in the negative for {$2000.00} for several months and they have contacted me repeatedly to pay it. 
I have explained to PAYPAL SUPPORT what happened and that this was a false report. 
I have also called this person 's bank and filed a dispute regarding thier false claim. 

PAYPAL wants me to pay the {$2000.00} and don't care that this was a false complaint. 
PayPal is threatening to report this as a collection on my credit. 
PayPal also has access to all my bank accounts and I am afraid that they will withdrawal this from my bank or freeze my bank accounts. 

I really don't feel this is legal. 
Once funds are deposited to your PayPal account by someone if PayPal has to refund them. 
PayPal should be liable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I retrieved my credit report and I noticed several inquiries that I did not authorize. I sent a letter to the credit bureaus about these inquiries. I never received any response.

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 2022-04-13 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: LA

Complaint narrative:
FRCA Violation personal information XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX FRCA Violation auto loan XXXX XXXX XXXX XXXX XXXX LOUISIANA XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans XXXX XXXX, XXXX. 
XXXX  XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections 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 2022-04-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter XX/XX/2021 asking them to validate the bankruptcy information reporting on my credit and I never got any response at all. Per the FCRA the information is automatically considered invalid, if it is not responded to within 30 days and should be removed.

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 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX  XXXX XXXX/ {$730.00} / XX/XX/2022 XXXX  XXXX HOSPITAL/ {$230.00} / XX/XX/2022

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 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX  XXXX XXXX/ {$730.00} / XX/XX/2022 XXXX  XXXX HOSPITAL/ {$230.00} / XX/XX/2022

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The account was opened in 2017 while I was in basic training to join the military and I had no knowledge of the account, it wasn't until a ew years later when I realized it and tried to dispute it. None of the information on the account match my personal information, email, phone number etc. Last year without my consent they updated the information on file to match mine so that it looks like its up top date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I sent XXXX Now a letter stating that the furniture was paid off and that the item should be taken off of my credit report as being potentially negative. Also a medical bill was reported on my Experian report form XXXX XXXX XXXX XXXX Office and the law is that nay medical bills less than XXXX are not to be reported to the Credit Reports. 

Also my husband had XXXX XXXX and a very serious XXXX XXXX which caused him to have to resign. He can not do any tyoe of work, Nor because of his reading ability can do any office work

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-13 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TN

Complaint narrative:
I am so fed up with Sallie Mae, I have given them chance after chance trying not to seek legal action yet they are still pushing me to do so. Last month I received a billing statement with no notice that my amount was increasing and here we are again and I have received a new statement with an increased amount!!! I think it is absurd that Sallie Mae continues to increase my amount WITHOUT any notice and with them knowing my financial situation, how do they expect people to pay them almost {$500.00} a month plus manage and pay other bills. Sallie Mae has no compassion for its customers and I wish everyone would just stop doing business with them if only they knew the horrible life you will have when its time to pay them back. I have tried multiple times to lower my payments just to be told I dont have any repayment options, it is official I will be seeking legal actions because this is ridiculous and sad, I can barely survive due to other bills and having to pay this huge amount every month with Sallie Mae XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: IL

Complaint narrative:
I sent a letter XX/XX/2021 asking them to validate the bankruptcy information reporting on my credit and I never got any response at all. Per the FCRA the information is automatically considered invalid, if it is not responded to within 30 days and should be removed.

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 2022-04-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter XX/XX/2021 asking them to validate the bankruptcy information reporting on my credit and I never got any response at all. Per the FCRA the information is automatically considered invalid, if it is not responded to within 30 days and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: LA

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 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 2022-04-13 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: LA

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 2022-04-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer.

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXXXXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. 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 2022-04-13 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: CA

Complaint narrative:
A lot of delinquencies I have closed are still on my report and it only shows on this account and not on the other other 2 bureaus

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 2022-04-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 written instructions

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