vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited {$700.00} in the joint account that me and my wife have via atm in cash on XXXX XX/XX/year> at XXXX. The bank is Citi Bank located in XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States When I went to deposit it it shows that the account was on overdraft after the deposit I saw the negative balance. Looks like my wife deposited a check that bounced and she withdrew money already from the available limit and the account ended on overdraft which I was not aware of. I can see all the transfers made except the {$700.00} deposited by me. 
I understand that the account is in negative balance and Im willing to pay it before it goes to collection but first I want the deposit issue to be resolved and I will be paying the difference so that does not go to collection. 

I tried calling costumer support over 10 times and they are telling me to go to branch where I deposited it and speak with them. I went there 4 times already and they are not helping me either. I told them to check the cameras they wont do it. Theyre saying that they count the money every week from the atm and they didnt see any extra money in the atm. Im pretty sure I deposited on ATM XXXX. XXXX. 
And now Im here asking for help to resolve this issue that has been going on for 2 weeks now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX has been requested numerous times to provide documentation such as signed contract or agreement to which is claimed to be delinquent. 
I have disputes with credit agencies with everything removed but Equifax collection Equifax has responded as verified with documentation that I have no clue has anything to do with the delinquency claimed. 
I have no agreements with XXXX XXXX or XXXX Any previous agreements with XXXX in the past have always been paid in full in advance. 
Equifax response in file attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
I recently pulled a copy of my Experian consumer report and noticed an item reporting on my credit file that isnt reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
My identity has been stolen and the criminals are using my information to obtain items and services in my name. Rental car vehicles have been rented in my name with a fake drivers license. The drivers license number matches my real drivers license number and this has been confirmed by the rental car companies. I have filed multiple police reports with different agencies because this is not an isolated issue. However, all companies have investigated and verified I'm not liable except for XXXX which has added collections to my name that needs to be immediately removed. I've already spoken to a representative on behalf of XXXXXXXX XXXX XXXX company by the name of XXXX XXXX from XXXX and discussed the case. This needs to be deleted and blocked immediately from my report. 
Account # XXXX {$310.00} ; Account # XXXX {$1000.00} ; Account # : XXXX {$750.00} ; Account # : XXXX {$2100.00} ; Account # XXXX {$730.00} ; Account # : XXXX {$670.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MI

Complaint narrative:
My account was in deferment. Then I paid it ontime every month. I moved in XX/XX/2019 and didn't get the bill at the correct address. I realized this 10 day 's past my due date. I called and paid off the full {$600.00} balance and asked for it not to be reported late due to only being 10 days late. They stated ok. XXXX is showing that it was paid on time XX/XX/2019, paid on time XX/XX/2019, XXXX 60 days late, XXXX paid on time and closed in XXXX of XXXX. First how can you be 60 days late if you were never 30 days late. Each credit bureau reports different information. I have disputed 3 times with each credit bureau and called AES and nothing has been corrected. I'm trying to buy a home and my credit score is one point lower than it needs to be. Without this my score would be higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Checking my credit report, account MACYS/CBNA ( XXXX ) shows late payment remarks that are inaccurate since I have not missed any payments. I have made several disputes regarding this issue ; however, the remark only seemed to 'validate ' itself according to them, but in none of their responses did they provide certified information that verifies I was indeed in delinquency. This is why I am filing this complaint, as I believe the company in question is violating the following sections of 15 : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
My account with those accounts was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: MI

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Report Number XXXX I have found numerous things wrong with this account on my report. 
On page 6, account XXXXXXXX XXXX In Account Info section : Recent Payment information is missing. Balance information is missing. Balance Updated information is missing. Monthly Payment information is missing. Highest Balance information is missing. Also, Status says Paid in settlement. # {$13000.00} written off. It should not say Written Off if it was paid. This is misleading. 

In the Payment History Guide : All information from the opening of the account through XX/XX/XXXX is missing. 

In the Balance Histories section : It shows a balance of {$5600.00} for XX/XX/XXXX which is inaccurate. Also on that same line it shows a {$0.00} payment on XX/XX/XXXX which is the wrong year. 

In the Comment section, it says Account paid in full for less than the full balance. How can an account be paid in full for less than the full balance? This is confusing and inaccurate. 

Please correct all of the information listed above or delete the account from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One Venture Rewards card earlier this year. Capital One instead approved and sent me a Venture XXXX card. This is a different card with a much higher monthly fee. I never applied for the Venture XXXX card. They allowed me to cancel the card but now they wont issue me a new credit card, and I believe that the process of being approved for, and then immediately closing, the Venture XXXX card has hurt my standing with other banks, and negatively impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: VA

Complaint narrative:
I submitted a dispute for this account previously and received a response from the credit reporting agency indicating that the account would not be removed because it was verified. I am concerned about the accuracy of this verification process, as the account information is clearly inaccurate. Therefore, I am now formally requesting details regarding the method of investigation conducted, as outlined in 15 USC 1681i. Please note that I am submitting this request through the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with all applicable laws and policies. Given the circumstances, I am requesting a detailed explanation of the method of investigation conducted by the credit reporting agencies, as outlined in 15 USC 1681i. It is crucial to me that the reinvestigation process is thorough and comprehensive, considering my concerns about the accuracy of the initial verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
My identity has been stolen and the criminals are using my information to obtain items and services in my name. Rental car vehicles have been rented in my name with a fake drivers license. The drivers license number matches my real drivers license number and this has been confirmed by the rental car companies. I have filed multiple police reports with different agencies because this is not an isolated issue. However, all companies have investigated and verified I'm not liable except for XXXX which has added collections to my name that needs to be immediately removed. I've already spoken to a representative on behalf of XXXXXXXX XXXX XXXX  company by the name of XXXX XXXX from XXXX and discussed the case. This needs to be deleted and blocked immediately from my report. 
Account # XXXX {$310.00} ; Account # XXXX {$1000.00} ; Account # : XXXX {$750.00} ; Account # : XXXX {$2100.00} ; Account # XXXX {$730.00} ; Account # : XXXX {$670.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
This is extremely frustrating and stressing me out, I have been trying to fix errors on my credit report for some time now YET you fail to notify me of the disputed information resulting in missed opportunities, this is a blatant violation of my rights as a consumer which is very insulting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This account is still inaccurate after investigation remove this account immediately!

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