vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: IDAHO CENTRAL CREDIT UNION
State: CA

Complaint narrative:
Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint against Idaho Central Credit Union for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Idaho Central Credit Union for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted Idaho Central Credit Union on XXXX regarding a charged off debt. As per the FCRA and the Internal Revenue Code, I requested a 1099-C form, which is necessary for reporting canceled or forgiven debt over {$600.00}. However, despite my repeated requests, Idaho Central Credit Union has failed to provide the 1099-C form. 
Furthermore, I have discovered that Idaho Central Credit Union is reporting this charged off debt as income on all three credit bureaus. This is causing significant harm to my credit score and financial standing. 
This lack of transparency and failure to provide the requested form is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to accurate credit reporting and the right to dispute incomplete or inaccurate information. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that Idaho Central Credit Union complies with the FCRA and corrects their reporting practices. I am requesting these inaccurate accounts be deleted from all XXXX Credit Bureaus due to this reportable violation of the FCRA. 
Please find attached copies of my correspondence with Idaho Central Credit Union for your reference as well as copies of my 3-credit bureau report as of XXXX. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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:
Recently I saw a late payment on my credit report from your company that I do not recognize 15 U.S. 1602 ( p ) According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. I have no involvement with this account nor inquiry on my credit profile This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: FL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize 15 U.S. 1602 ( p ) According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. I have no involvement with this account nor inquiry on my credit profile This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2024-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Identity theft happened in 2023 to my account. 

Capitol one XXXX XXXX I see a hard inquiry I did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MO

Complaint narrative:
Consistently, I meet my payment deadlines without fail. What puzzles me is why this particular company occasionally marks me as late, a situation that should not arise. As per USC 1666b, any billing discrepancy ought to be rectified, failing which they will owe me {$1000.00} for each account with erroneous reporting.

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 2024-04-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: I.C. System, Inc.
State: RI

Complaint narrative:
A debt collector I.C Systems put a mark on my credit report. This is the 3rd collector that XXXX has used over the past 3 years. Each time, I have proven I don't owe this money based on my communications with XXXX  around the date I cancelled the service. I have also shown a credit card statement that shows that XXXX previously agreed I didn't owe anything and credited my account. I can't understand how a debt collector has the right to do this. Also, how can XXXX just pass this from company to company. I haven't received any documentation from IC Systems - I was alerted by my credit monitoring that I have a " major '' derogatory mark over this {$130.00} bill that I do not owe. 

Do I have any rights here?

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've sent in several requests and spoke to several experian representatives and supervisors about having the incorrect address on my file. I've sent several disputes and several FTC reports showing the incorrect address on my file. Experian claims they can't remove this address because it's associated with other accounts, I've disputed every single account that has that address attached and Experian has failed to comply with my request. As part of the FRCA, it is my right to have the correct information reported to the credit bureaus. I am asking that you hold Experian accountable for their actions of not fulfilling my request and not updating the correct information on my report. I've attached several prevalent documents including a police report with my information on it. I've also attached my ID with MY CURRENT address, where I've lived at for the last 10 years.

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 2024-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: TN

Complaint narrative:
To : SOURCE RECEIVABLES MANAGEMENT. 

I AM XXXX XXXX. And you are not licensed to work in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase with a vendor i amount of XXXX, XXXX at a XXXX XXXX on XX/XX/XXXX. Less then 24 hrs later I tried to returned the product. Vendor said " No returns all sales final ''. This was not told to me nor was it posted for consumers to see. I contacted my credit card company XX/XX/XXXX and filed a complaint. Card company said sale was valid and sided with merchant. I live in California and merchant violated law. I sent disputes to card company 3 times and 2 times i got no response. Last contact from me was info of law that protects me and I also wrote statement for " claims and defense '' with signature required/ return reciept on XX/XX/XXXX. XXXX XXXX company never replied. This vendor has an alert and F rating and they have several company names. Credit card is now pursuing me thru XXXX party for payment. Also all credit cards I have issued from this bank they closed. My credit scord went from low XXXX to 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 2024-04-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a XXXX Citibank CD that held about {$41000.00} that matured on XX/XX/year>. Citibank had sent me correspondence saying that I had a XXXX grace period after the maturity date to decide what to do with the funds that had been held in the CD, after which point the funds would be rolled over into a new XXXX CD. According to this correspondence from Citi, the last day of the grace period was XX/XX/year>. On XX/XX/XXXX I made a partial withdrawal, then returned to Citibank at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/year> to move the remaining funds into a brokerage account, but the representative at Citibank told me that on XX/XX/year> the funds had already been locked into a new XXXX CD with a lower interest rate than the original CD that had matured. They said that my earlier withdrawal from the CD had triggered a rollover before the end of the promised grace period, and they had rolled the funds over without telling me they were doing so. Citibank refused to help me when I told them I had not agreed to have the funds rolled over and pointed out to them that I was still within the grace period. They charged me a $ XXXX penalty to take a withdrawal of {$1000.00} on XX/XX/XXXX, and they refused my request to release the remaining funds funds from the CD without paying a penalty of more than $ XXXX. 

I have now spent several days and many hours on the phone and in the branch arguing with them about this. Their argument was that the original terms stated that a partial withdrawal after the maturity date would trigger a rollover. My argument was and is that ( 1 ) their terms for the first CD do not apply to a rollover with a lower interest rate, particularly if I never agreed to the rollover ; ( 2 ) their correspondence about a 7 day grace period seemed like a revision of the original terms, and ( 3 ) I should have been advised that my funds were being rolled over at the time of the withdrawal and asked whether I agreed to this rollover.

Note that Citibanks site is currently malfunctioning, and because of this I can not access the notice they provided me that advised me that I had a 7 day grace period from April 19 to April 26 to decide to do what to do with the funds from the matured CD. I have tried to get a copy of this notice, but they are also being uncooperative about this. I am still following up and will add this notice to this complaint if Citi decides to cooperate or fix their site. A record of their site 's malfunctioning is attached with screen images.

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 2024-04-27 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
once again collector FAILED TO VALIDATE DEBT, THIS WAS OLD XXXX  POLICY PAID AND HAVE NEW POLICY ATTACHED. THEY KEEP CALLING MY MOM AND DADS CELL 22 TIMESS AND HAVE PROOF FOR LAWSUIT. CEASE AND DESIST COLEECTGION AND CEASE CALLING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: FL

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

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 XXXXNK XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: DISCOVER BANK
State: GA

Complaint narrative:
I am the author of this complaint I was denied credit so I checked my credit report and noticed that Discover Bank is reporting a charged off account on my credit report. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given Discover whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

According to this Act, a financial institution may not, directly or indirectly, disclose any personal information to a non-affiliated third party such as XXXX or any other CRAs. 

Discover Bank never provided me with documentation notifying me of my right to opt-out of all authorizations and reportings. 

Furthermore, XXXX did not conduct a reasonable investigation as required by 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: GA

Complaint narrative:
These inquiries are not mine. I did not authorized these companies to get me inquiried. They did not asked me or so whatever!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
On XX/XX/2024 I was offered a reduced payoff arrangement and the amount of {$1800.00} from Personify Loans. I accepted the offer on XX/XX/2024 and my last payment to Personify Financial was on XX/XX/2024. As of XX/XX/2024 XXXX is still reporting a balance on my XXXX credit report of {$3500.00} still owed and the account should be closed and settled reporting a balance of XXXX as I did make all of my payments and they cleared. Personify has sent me correspondence that the account is canceled and closed and I received this in PDF form by email. I have never received a 1099C cancellation of debt letter in the mail either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a best buy credit card issued by Citi Bank with a current balance coming due XX/XX/year>. The balance is {$640.00} and if not paid they will charge me {$340.00} in interest. Any other credit card or line of credit with this features always puts the extra amount paid onto the promotional balance. Per customer service at Best Buy only payments within the 60 days of the expiring promotional balance will be applied after satisfying the minimum due but you have to call to transfer that payment to that balance even within the 60 day time frame. My husband has the same card and when paying extra it went automatically to the promotional balance first without a phone call and without it being the 60 day stipulation time period. As a consumer, this sounds like credit card fraud towards the consumer. I've used this feature with Macy 's credit card and Pay Pal Credit and never did I have to tell them to apply the extra payments nor was I restricted to the 60 day time period. How can Citi Bank not follow these same rules? There should be some time of regulation on Banks who issue credit card and offer these types of promotions.

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 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT AND I HAVE NO HISTORY WITH THESE BANKS. DIRECT COMMUNICATION WITH THESE BANKS CONFIRMS NO RECORD OF MY ASSOCIATION. INFORMATION SUGGESTING OTHERWISE IS INACCURATE AND IS TIED TO FRAUDULENT ACTIVITY. IM ACTIVELY RESOLVING THIS ISSUE, REPORTED TO AUTHORITIES. KINDLY ASSIST IN RECTIFYING ANY ERROREOUS BANK RELATED RECORD.

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 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This card is not mine. I did not open it. this fraudulent card and cards are being reported to the credit agencies and are adversely affecting my life and violating my consumer rights under the FCRA. i want them deleted from my credit reports asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: CA

Complaint narrative:
Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint against TransUnion for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted TransUnion on XXXX regarding a bankruptcy that is showing only on my TransUnion report. As per the FCRA, I requested a method of verification for their investigation of this matter. However, despite my repeated requests, TransUnion has failed to provide the method of verification. 
Furthermore, TransUnion stated that they contacted the creditor, who is reporting on my credit report. However, I received a letter from the creditor stating that they do not verify credit reporting information. This discrepancy is concerning and suggests a lack of due diligence on the part of TransUnion. 
This lack of transparency and failure to provide the requested information is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to know the information in their file and the right to dispute incomplete or inaccurate information. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that TransUnion complies with the FCRA and corrects their reporting practices. 
Please find attached copies of my correspondence with TransUnion and the creditor for your reference. 
Thank you for your attention to this matter.

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