vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Online banking was taken down for upgrade 14 days ago. It is still not working.

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 2022-05-26 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-26 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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: NJ

Complaint narrative:
Experian Is saying I have accounts that have 30 days or more past due, I have went through my file called all current companies I am current on all accounts they are trying to mark me late for accounts that were included in my bankruptcy from XXXX and charge offs that happened in XXXX and were put in bankruptcy

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 2022-05-26 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have requested that Equifax update my address on my credit report to reflect my only address which is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX and they have refused on both occasions. I used their online portal three times and they still have address on my credit report that I do not live at. They are as follows : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022, I called my bank to place a claim due to transactions happening without my approval they gave me a claim number, issued me a new card told me they will look into all the transactions give them 10 days any issues will be credit to my account, all transactions in total was {$1100.00} I call them today XX/XX/XXXX to get an update on the claim and I was told the claim has been denied I asked why the representative couldnt give me an answer. I work hard for my money and for me to see that it was fraud activity with my account and the bank isnt helping me I feel hopeless. My card was stolen when I was in the XXXX XXXX XXXX  XXXX, not sure who took the card since people was in and out of the room.

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
In accordance with the fair credit report XXXX XXXX  account XXXX AMERICAN CREDIT ACCEPTANCE LL has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 : it's also state a consumer reporting agency can't furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan has late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: IL

Complaint narrative:
I XXXX XXXX sign up with XXXX XXXX XXXX and was told I was paying for the class with a Pell Grant that was free and did not have to pay out of pocket.

I was not able to complete the course because I got sick. Theirfore, I was told by the school the Pell Grant that I was represented to be free that I had to pay because I did not inform their school. 

My mom spoke with the school also and was told they would check into the matter. 

I was informed that the funds from the Pell Grant had to be sent back to the USDE because I did not finish the school for the full course. 

Also, the school referred my account to a collection agency that have called me from different numbers attempting to collect money for XXXX XXXX XXXX  that solicited me that my course was free since my income qualifies me for a Pell Grant that is free that does not have to be paid back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have 5 unauthorized inquries that need to be removed, I never filed for XXXX  XXXX and the courts say they don't report this to credit bureaus and it should be removed and I have an account that was paid off satisfactorily and never late. I also want to validate 2 accounts I do not recognize, all of these items are detailed in the letter enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX and XXXX  Account Number : XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
This problem is with XXXX, In XXXX I had a account with Best Buy that is held by best buy, This account was opened XX/XX/XXXX They say charged off as it was going through Bankruptcy they started this XX/XX/XXXX, at this time my credit took a point loose. Then in XX/XX/XXXX they marked bankruptcy, They although tried to hit my cerdit report with saying I claimed bankruptcy in XXXX of this year my score dropped XXXX points had to get XXXX XXXX to help prove no new bankruptcy. Now this week in XX/XX/XXXX they are reclaiming charge off and my score fell XXXX more points this should not be reported again was once reported charge off XXXX then in bankruptcy, XXXX is telling me I can keep having my score drop from this same account till it comes off account. I have tried calling Citi bank no help I wrote to the in XXXX and sent in Discharge papers And I believe a problem may be Citi bank changed it to a collection agency with new account number and then back to bankruptcy number

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 2022-05-26 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:
The credit bureaus stated all my accounts was 100 % correct and accurate and investigated properly but how is that possible when the open date is inaccurate, the date last active is inaccurate, and last reported is inaccurate this is ground for removal and they also violated my rights under 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH a ACCOUNT WITHOUT MY WRITTEN CONSENT

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 2022-05-26 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act. XXXX  funding # XXXX. XXXX XXXX XXXX  # XXXX or # XXXX,. Ad astra recovery services # XXXX has violated my rights. 




15 U.S.C 1681 section 602 A. States I have a 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
Consumer complaint received 2022-05-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hellos Guys!! 

I sent letters to the 3 credit agencies XXXX, Equifax and XXXX to verify some elements that are being reported on my credit. I have been investigating and discovered that the credit bureaus have been violating my rights by reporting accounts or negative items incorrectly, since I see that each one of them reports different balances, wrong dates and incorrect late payments.

I have also sent letters to the creditors who are reporting on my credit to update the information in my report and they ignore me, they have not given me answers. 

I have sent letters to the bureaus since XX/XX/XXXX and to this day they continue without giving me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hellos Guys!! 

I sent letters to the 3 credit agencies Experia, XXXX and XXXX to verify some elements that are being reported on my credit. I have been investigating and discovered that the credit bureaus have been violating my rights by reporting accounts or negative items incorrectly, since I see that each one of them reports different balances, wrong dates and incorrect late payments.

I have also sent letters to the creditors who are reporting on my credit to update the information in my report and they ignore me, they have not given me answers. 

I have sent letters to the bureaus since XX/XX/XXXX and to this day they continue without giving me an answer.

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 2022-05-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 Accounts : XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Inquires : XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/2021

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 2022-05-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 Accounts : XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Inquires : XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: CA

Complaint narrative:
Years ago my identity was stolen by someone who used it to get credit cards and loans under my name, and affected my credit so badly that I had to dispute the accounts with the bureaus. They helped me at first and everything was going well, until this past XXXX, when I checked my credit reports after not pulling them for quite a while, only to find some of the previous accounts that I had disputed years before back into my records for some reason. At first I wanted to make things right once again by phone calls with the bureaus, but their answer was that I needed to treat this as a new case of identity theft and needed to follow the usual protocol. So I started disputing the fraudulent accounts once again, but it's been 5 months and the accounts still appear on my reports, and I'm starting to wonder if the bureaus are actually checking my case or just discarding everything I send to them. Currently I'm disputing a charge card account from XXXX XXXX XXXX, some credit card accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX, and also , some addresses that don't belong to me, but are being reported too. I really feel quite anxious about this and don't know what else to do regarding this situation. I'm having trouble getting the creditors to acknowledge me as a good consumer because of the information that's being reported and I don't know how long I can take it. I ask for your help on this matter, because I don't want any more time passing by and be stuck in this situation forever. Please help me!

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 2022-05-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US   DEPT OF EDUCATION # XXXX, US DEPARTMENT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDDUCATION # 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 that a consumer reporting agency can not furnish an account without my written permission or 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 2022-05-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION # XXXX, US DEPARTMENT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDDUCATION # 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 that a consumer reporting agency can not furnish an account without my written permission or instructions.

Company response to consumer: Closed with explanation