vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION
State: AR

Complaint narrative:
We completed a withdrawal from an ATM and then we're told that we were negative because the amount was not available. We spoke with the bank involved and informed them that this was an error on their end because the ATM would not have allowed us to complete the withdrawal if the funds were not available. At the time the bank had started maintenance on their online banking and mobile app and during the process something went wrong and the entire system was down for approximately two months so you could not check your balances or make any changes to the account. The withdrawal happened during this time and when we reached out to inform them that this was an error and that the funds were and should have been available they said that this was incorrect and that they were not willing to make any changes and if it was not paid it would be added to mine and my wife 's credit report. The account has been added to my credit report as a collection/charge off and needs to be removed because it's incorrect.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I spoke to customer service at XXXX XXXX about the alleged late payment reported on my consumer report on XX/XX/XXXX. XXXX XXXX failed to verify the account number for the referenced account. They also mentioned that the account they do have on file shows no late payments. Experian, XXXX, and XXXX is reporting false information and continues to report updated and verified accurate information. This isnt the first time that Experian, XXXX, and XXXX have violated my rights protected be the FCRA guidelines. 

On XX/XX/XXXX I spoke with customer service at XXXX XXXX XXXX informed them of their violations in reporting late payments without my written permission and about their responsibility to notify consumers 21days before furnishing any information to the credit reporting agencies. I asked why and how they verified information to Experian, XXXX, and XXXX. They replied saying they have not reported any information to Experian, XXXX, and XXXX. 

Experian, XXXX, and XXXX were all notified about this dispute on XX/XX/XXXX and failed to respond within the 30 days regulated by the FCRA. 

I demand immediate remedy for these infractions, no extensions beyond the 15 days set forth by the consumer finance protection bureau will be given or tolerated.

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 2024-05-05 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: The Aligned Company DBA Extra
State: NJ

Complaint narrative:
Extra bank or debit/credit co , started reporting negatively to my account when I noticed they were already reporting for a few months missed payments. I was a victim of identity theft and did not grant permission to 1 report to my consumer report or grant permission to use my ssn and first and last name. I have contacted them on a calculus of occasions and have sent in a litany of correspondence to no avail. I have a consumers report an ftc report as well as affidavit to affirm my truths. Even as well as reached out to cars as they have verified the account even tho my address is incorrect and I have provided affidavit sent to company with tracking numbers in which they had 30 days to respond or removed the negative reports but still have not. I have also pulled a report from the Secretary of State in regards to any debt owed to anyone by myself registered with the state or liens. Which further confirms I have no obligations to pay anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, is reporting is reproting a Bankruptcy on my credit report and they have put in the Data furnisher as being the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Which is false. 
I have attached a letter from the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
Experian is falsely stating this information on my credit report and have yet to remove it from my credit report.

I contacted the court, and their response is enclosed.

It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie.

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate I contacted the court, and their response is enclosed.

I would like for you to have them take this unvalidateable information off of my credit report. 

The credit bureaus violated my given rghts under 15 U.S. Code 1681.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681s2. Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Displaying information must be deleted 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
Consumer complaint received 2024-05-05 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  : Account number : 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 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. Transunion - XXXXXXXX XXXX XXXX XXXXXXXX Balance - {$5.00}, this is incorrect. 

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 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.

why correct the information that I outlined and then not raise my credit score because I purposely targeted.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin American citizens, lives and their livelihoods.

the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin American citizens, lives and their lively hood.

Please delete and remove all closed accounts, late payments and loan accounts, that aren't valid from my credit report. 

Best, 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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
For the past 10 days, when I go to a personalized offer page after logging into my American Express account, the top-most offer states : Special Offer Upgrade and Earn XXXX Bonus Miles and a {$250.00} Statement Credit Earn XXXX Bonus Miles and a {$250.00} Statement Credit after you spend {$4000.00} in purchases on your new Card in the first 6 months of Card Membership. 

When I accept the offer, a web page appears saying that it is longer available. When contacted on the phone, that offer is not respected, but a lower ( worse one ) is offered. 

Originally, I thought it was a computer glitch, and that it the offer was truly unavailable, it might just take some time for my offer page to get updated. However, the same problem has existed everytime I have logged in, therefore they are continually make me an " offer '' and not honoring it. 

I have enclosed a screenshot, showing me logged in, and the offer at the top of the page.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: MD

Complaint narrative:
I am writing to file a formal complaint against Trans Union due to a fraudulent collection account that has been incorrectly listed on my credit report. This account, listed under XXXX XXXX XXXX for account number XXXX, does not belong to me and I believe it is a result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the account continues to appear on my credit report. This error has caused significant financial hardship as it has negatively affected my credit score, resulting in denied loan applications and increased interest rates on existing credit.

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 2024-05-05 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: MD

Complaint narrative:
I am writing to file a formal complaint against Experian due to 4 fraudulent collection accounts that have been incorrectly listed on my credit report. These accounts, listed under XXXX XXXX  for account number XXXX, XXXX XXXX for account number XXXX, XXXX XXXX for account number XXXX, and XXXX XXXX XXXX for account number XXXX, do not belong to me and I believe it is a result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the account continues to appear on my credit report. These errors have caused significant financial hardship, negatively affecting my credit score, resulting in denied loan applications and increased interest rates on existing credit.

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 2024-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX Credence Resource Management , LLC mailed me an invoice stating that I owed a debt that they are trying to get that I allegedly owed to XXXX XXXX XXXX XXXX, they proceeded to call me regarding this alleged debt in which I left on record for Credence Resource Management to not call me but send all validation and further communication through written communication. On XX/XX/year> Credence Resource Management sent me a verification of balance. Which did not meet the FCRA requirements of 15 USC 1692G validating debt and they still were attempting to collect. Credence Resource Management also sent deceptive forms ( 15 USC 1692G ) stating that I owed them a debt they never validated and they also deceptively sent documents from another account to prove their deceptive practices. XX/XX/year>, Credence Resource Management sent me another document titled Verification of Balance that still never addressed the requirements set forth by congress. I sent them another notice of dispute requesting the information that was originally requested Credence Resource Management sent me another letter titled ACCOUNT RECALLED They express that the account was recalled but noticing on their documents they have a Reference XXXX it gave me the impression that a new account number was created so now I would like to know what is a reference ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this items for me to ensure accuracy. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Equifax, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: TX

Complaint narrative:
I have a account from XXXX XXXX  that was supposed to be removed from my credit report. The account was officially closed/ charged off in XX/XX/year>. I have contacted Equifax to resolve this issue but its still showing negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this items for me to ensure accuracy. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, XXXX and TransUnion

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 2024-05-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this items for me to ensure accuracy. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, Experian and 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 2024-05-05 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/year> : Attempted to find out why 'Hard Inquiries ' continue to be displayed on all of my Credit reports without my permission. Results are affecting my credit scores and remaining on my credit report for 2 years etc... I have pursued help to repair my credit records, and yet companies continue to conduct Hard Inquiries without my permission. Requesting for actions to STOP.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I hold one credit card with Huntington Bank, initially with a {$10000.00} credit limit, which unfortunately reported a single 30-day late payment ( which I am disputing ). Recently, Huntington Bank reduced my credit limit to {$7100.00}. However, XXXX is now reporting two separate accounts and two late payments, which is inaccurate. I have raised this discrepancy with Huntington Bank, but after their investigation, they have not rectified the error to ensure that only one credit card account is reported to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: GA

Complaint narrative:
I recently looked at my consumer profile and noticed that there are several unauthorized inquiries that I didn't authorize nor do I recognize. Here are the unauthorized inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The company is Citibank. I inquired on XX/XX/XXXX about my new card being issued as my old card expired. I placed a call to have a new card issued in the event the replacement was lost in the mail. I spoke with XXXX, a supervisor at CitiBank. She informed me that a letter dated XX/XX/XXXX was sent to me as to the closure - a letter I never received. When asked as to why it was closed, she stated that she could not tell me the reason why. My account has been in good standing since I opened it and I have not defaulted on payments. Also, the bank kept asking me to verify my address in order for them to tell me which address they sent the letter to which seems suspicious to 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 explanation
Consumer complaint received 2024-05-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
delete hard inquiries IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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.

DELETE THE ACCOUNST BELOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
todaY XX/XX/2024 tried to make a transfer tried to create account

Company response to consumer: Closed with explanation