vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Credit 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/2023 I got a credit card charge for XXXX XXXX XXXX XXXX XXXX in XXXX Ca for {$15.00}, on this day I was not in XXXX as I live in XXXX XXXX. 
On XX/XX/2023 there was another charge at a XXXX for {$130.00} On XX/XX/2023 there was a charge again at a XXXX for {$41.00} On XX/XX/2023 there was another charge at a XXXX XXXX for {$110.00} I contacted Golden One to inform them that these charges were not me and I wanted to file a credit card theft claim, they filed the claim and said they would open an investigation. 
As I was recently looking at my credit card statement I see the reversed the money they put into my account and took it back. 
I called and spoke to two customer service agents, the first one told me that I was basically out of luck because they claim my chip in my card was used and since the card was still in my possession that they do not believe it is fraud. This however again is impossible as I was not in XXXX on these dates I was in XXXX XXXX using my Debit card. 
Golden one rep said he would request for my case to be reopened, but due to it being a weekend I could not speak to someone in their fraud department.

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 monetary relief
Consumer complaint received 2023-11-18 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 REQUESTED THESE ACCOUNTS BE DELETED AS WAS DELETED FROM EQUIFAX AND NOW PUT BACK ON ALL 3 CREDIT BUREAUS. PLS SEE ATTACHED AND DELETE ALL ACCOUNTS OR GIVE METHOD OF VERIFICATION. 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account-XXXX XXXX # XXXX -- 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TX

Complaint narrative:
I REQUESTED THESE ACCOUNTS BE DELETED AS WAS DELETED FROM XXXX AND NOW PUT BACK ON ALL 3 CREDIT BUREAUS. PLS SEE ATTACHED AND DELETE ALL ACCOUNTS OR GIVE METHOD OF VERIFICATION. 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. AccountXXXX XXXX # XXXX -- 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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:
I DISPUTED THIS ACCOUNT ON XX/XX/23 which was verified as mines. Then a asked for a method of verification and have not gotten a response please delete account. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX  -- 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. PLEASE DELETE ASAP!!!

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 2023-11-18 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: MI

Complaint narrative:
The debt collector who does not adhere to FDCPA regulations must be promptly removed from my credit report. This complaint revolves around XXXX Credit Bureau 's failure to validate the debt despite XXXX requests from me. They have exceeded the XXXX timeframe required for validation. This clearly indicates their use of unauthorized access to my credit report and disregard for proper procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
FCRA viloations not my XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 

THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. $ not my address XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Resident type Single family not my phone number ( 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 2023-11-18 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: IN

Complaint narrative:
FCRA viloations not my XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. $ not my address XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Resident type Single family not my phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX  has information on my credit report inaccurate and is negatively impacting my credit report. 

The information is reporting late payments which is incorrect as well as unknown payments as I look at the payment history on the credit report provided by Experian.

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 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I am a customer of Huntington Bank, formerly XXXX. 

On Thursday, XX/XX/XXXX I checked my bank balance because I was going to make some monthly payments. Everything was fine. 

Later in the day I got a call from Huntington Bank. The caller said there was a charge he was checking to see if it was mine. He said it was " XXXX  XXXX ''. I told him it was not mine. He said they would take care of it. I asked how it happened and he said they accessed it through my debit card. I asked him to close off access to my debit card. He said he would cut off the debit card. 

I had a question that I wanted to ask about making my house payment so I called back. I recognized the phone number as the one I always called and received phone calls on. But this XXXX time the call was answered personally by the person who had called me earlier. He told me that I had to transfer the money in my savings account to the checking account in order that all my funds would be protected. I did as directed. 

I thought it was odd that the man answered the phone number I had always made and received calls on. During XXXX of our conversations he asked me if I knew someone named XXXX XXXX. I said I did not. 

On Monday the XXXX I saw more charges but I figured they would be taken care of because of the conversations on Thursday and because they were marked " pending. '' Within a short time some large XXXX purchase appeared on my online account : {$790.00}, {$690.00}, {$630.00}, {$730.00}, {$770.00}, Nobody called from the bank to ask me about these questionable charges. 

I have never ordered anything from XXXX. 

Because I had been talking to someone on the phone number I recognized, I felt safe. However, this circumstance suggests there was/is some internal problem, maybe fraud internally at Huntington. 

I had gone ahead and made some monthly payments but started to receive " not sufficient funds '' notices. I called the bank on XXXX, the XXXX. They said they were " working on it. '' After XXXX phone calls that made me to understand it would be alright, I should not worry and they had their research team working on it, I thought maybe matters would improve. 

It is not alright. I have lost {$4200.00}. I am over XXXX, retired and on a fixed income. 

I have not received any merchandise from " XXXX  XXXX '' or from XXXX. I would suggest a proper investigation would be to find out who got the things I did not order. 

On Friday, the XXXX I called the bank. They said they closed the investigation on the previous Wednesday I believe the bank has failed to freeze my account, possibly - negligently let someone take over their system to commit fraud, failed to do the merest investigation and failed to put the money back into my account. 

Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18 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: NJ

Complaint narrative:
I am writing to formally file a complaint against EQUIFAX located in XXXX, XXXX  ; XXXX located in XXXX, XXXX  and XXXX located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: NJ

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXX, XXXX  ; XXXX located in XXXX, XXXX  and TRANSUNION located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, XXXX AND TRANSUNION has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, XXXX AND TRANSUNION has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your 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 non-monetary relief
Consumer complaint received 2023-11-18 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: NJ

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXX, XXXX  ; EXPERIAN located in XXXX, XXXX  and XXXX located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your 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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an XXXX report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing for 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a mortgage with XXXX. The account was on a forbearance during XXXX and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. XXXX agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on Transunion XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a mortgage with XXXX. The account was on a forbearance during XXXX and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. XXXX agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on XXXX XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: HILLTOP HOLDINGS, INC
State: NC

Complaint narrative:
I submitted a complaint prior to this but it was prematurely denied. PrimeLending responded with a duplicate loan number, which was never even processed for a loan. I expect a just investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexisnexis is reporting three car accidents and saying I was at fault. I contacted XXXX and they confirmed I was found NOT AT FAULT for any of them and gave me these letters to prove it. They said Lexisnexis has repeatedly made these errors with other customers. These errors are causing me not to be able to get auto insurance. I am being quoted {$5800.00} every 6 months and none of these accidents were my fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please remove these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief