vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Man yall need to do an Investigation on ALL the Credit Companies.it should be a class action lawsuit for, shady practices, negligence and damages to credit scores I have 3 account thats havent been updated!!!! But the one I want to make a request for is XXXX XXXX, Its paid in FULL and closedthe statement date came and went and no updates yet? On ANY site lbs Matter of fact I have a XXXX balance on 2 accounts that have not been update on ANY credit companys website..Can You Say LAWSUIT? I want you all to see this, I know I'm not the only one suffering, CFPB step and and help, please this most definitely falls under illegal practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My account as been restricted since XXXX I have sent in multiple Security appeal forms I have went to the branch multiple times I have also sat with the branch manager who advised me to call security. this process as taken way too long and my funds have not been available to me and I have things to take care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 : Account name : XXXX XXXXXXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, 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: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA

Complaint narrative:
On or about XX/XX/XXXX, I XXXX XXXX notified Car Hop of Tacoma by phone regarding a job and playdate change.That my payment on XX/XX/XXXX was ok to take but after that my pay dates needed to change to the XXXX and XXXX. I was told by Car Hop I would need to pay XXXX by ACH on XX/XX/XXXX and that I would have to agree to void ACH authority for payments after this for a period of two payments and agree to pay a XXXX fee for payment by phone for two payments or XXXX. I agreed, and paid XXXX in XXXXwo payments of XXXX and XXXX on XX/XX/XXXX as agreed by phone. Then on XX/XX/XXXX my old payment date Car Hop stole XXXX from my XXXX XXXX account that was not authorized. This is the 2nd time Car Hop has taken an unauthorized payment in less than 1 yr and last time refused to return my money and only offered a credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have repeatedly requested copies of lean release letters five times since XX/XX/23. I received a copy that omitted the correct and complete make and model of the vehicle after the second request. Illinois DMV rejected the letters to obtain replacement titles because the make and model listed on the documents are incorrect. I have requested corrected copies three times since receiving the copies date XXXX. I am told to wait 7 - 10 business days each time I call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: NY

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's le be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will ght back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be conrmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more condent in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's le be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will ght back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be conrmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more condent in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I opened a credit cart though XXXXXXXX XXXX in XX/XX/XXXX, card number ending in XXXX. 
I made all payments on time and did not go over the limit. 
On XX/XX/XXXX, a letter was mailed to me from " Elan '' card member services ", Authentication dept, which is the creditor and the issuer of the credit card.The letter stated that my account is closed and I have 15 days from the date of the letter to fax my ID, SS number, last 2 years of tax return and 2 months of bank statements in order to re open my account. 
When I called to inquire I was told that my identity needed to be authenticated and once the information is submitted, my card will be open again.I faxed all documents on the 15th day XXXX.I called the next day, and was told by the customer service agent that the documents were received but they chose to close my account anyway.The agent could not disclose the reason for closing my account and advised me that I will get a letter by mail explaining the reason. 
I recieved the explanation letter stating that inadequate documentation was recieved ( which is not what I was told by the agent on the phone in addition, all required documents were sent, I have copies of the fax transmission ), due to suspected fraud. 
FRAUD??? 
I own 11 income properties and used the credit card to pay for 3 new AC and for a roof at my own home.I make all payments through my XXXX account that is linked to the same online profile as the credit card. 
The account closure affects my credit report in a negative way, without a fault my own, in addition, I am now required to pay off the credit card without having the benefit of a credit line after pay off. 
I have few other credit cards form various banks, I never missed a payment on any of my loans or credit cards and I never had to experience this kind of treatment from a credit card issuer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX : 1. Submitted on XXXX XXXX, 2023 File number : XXXX Completed on XXXX XXXX, 2023 ITEM IN DISPUTE : XXXX XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this account. 

CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX : 1. Submitted on XXXX XXXX, XXXX  File number : XXXX Completed on XXXX XXXX, XXXX  ITEM IN DISPUTE : XXXX XXXXXXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this account. 

CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
On XX/XX/2023, while filing my taxes, I learned I had over contributed to my HSA held with Optum Financial. That same day, I submitted a form requesting that they remove the excess contribution from my account. It is now XX/XX/2023 ( Tax Day ), and they still have not removed the excess contribution. I have contacted Optum Financial five times in the interim to check on the status of the request. For weeks they told me they had the form and were still processing it. Then, on XX/XX/XXXX, they told me they never received the form. I was traveling at that time and didn't have the ability to re-submit the form. On XX/XX/XXXX, I called and requested assistance with this issue. I was told I would get a call back the same day as this was an urgent issue. I never got a callback and they still have not removed the excess contribution. Now, I will have to re-file my taxes and pay the 6 % extra tax on the contribution because they have refused to manage my account in the way I've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 : Account name : USDA Rural Development Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a credit card payment to the Citibank Costco XXXX XXXX XXXX ( XXXX ) on XX/XX/23 for {$12000.00}. The outstanding balance on my account was reduced by this same amount. 
After trying to use the card on XX/XX/23 the card was declined for unavailable funds. The credit card is approved for {$13000.00}. After calling Citibank I was told that because the payment on my account was so large they were going to put a hold on the account until XX/XX/23. I have made many payments in the past and the available funds on the account were available immediately. Citibank is holding my available funds hostage and there needs to be better regulations to stop this practice. Citibank has the funds but will not release the funds to my available credit. 

They also told me that they needed to make sure the funds were available in my bank account before they can can these funds available on my credit card. They called my bank while I was on hold and determined the funds were available. My bank account with XXXX XXXX XXXX XXXX debited my account on XX/XX/23 for the {$12000.00}.

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 explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be reported on my credit report. 

Account Name : Capital One Auto Finance Account Number : XXXX Dates of Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX of XXXX / XXXX, XXXX, XXXX of XXXX I say this because the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me, the consumer and any person making the report. Furthermore, I never gave any consent for these alleged transactions. 15 U.S. Code 1681a, 15 U.S. Code 1681a1, and 15 U.S. Code 1666b. 
Please reverse the late payments from my consumer report and update this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Man yall need to do an Investigation on ALL the Credit Companies.it should be a class action lawsuit for, shady practices, negligence and damages to credit scores I have 3 account thats havent been updated!!!! But the one I want to make a request for is XXXX XXXX, Its paid in FULL and closedthe statement date came and went and no updates yet? On ANY site lbs Matter of fact I have a XXXX balance on 2 accounts that have not been update on ANY credit companys website..Can You Say LAWSUIT? I want you all to see this, I know I'm not the only one suffering, CFPB step and and help, please this most definitely falls under illegal practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Man yall need to do an Investigation on ALL the Credit Companies.it should be a class action lawsuit for, shady practices, negligence and damages to credit scores I have 3 account thats havent been updated!!!! But the one I want to make a request for is XXXX XXXX, Its paid in FULL and closedthe statement date came and went and no updates yet? On ANY site lbs Matter of fact I have a XXXX balance on 2 accounts that have not been update on ANY credit companys website..Can You Say LAWSUIT? I want you all to see this, I know I'm not the only one suffering, CFPB step and and help, please this most definitely falls under illegal practices

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