vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Gateway Financial Solutions, Subject : Request for Clarification on Security Agreement, Account Charge-Off, and Tax Reporting To Whom It May Concern, I am writing to formally address several concerns regarding the handling of my account and the sale of the vehicle associated with my loan. Please consider this letter a request for clarification and resolution of the following issues : 1. Security Agreement and Applicable Laws I am seeking clarification on the legal basis and terms under which the security agreement for my loan was executed. Specifically : Please provide a copy of the security agreement that outlines the use of any funds or collateral in this transaction.

Kindly confirm compliance with the Uniform Commercial Code ( UCC ), specifically Article 9, governing secured transactions.

2. Vehicle Sale It has come to my attention that the vehicle was sold for {$21.00}, which is significantly below its fair market value.

Please provide detailed documentation, including the appraisal value and auction or sale details, to justify this sale price.

Under UCC regulations, creditors must act in good faith and conduct sales in a commercially reasonable manner. I believe this sale price fails to meet that standard.

3. Account XXXX and XXXX XXXX ( XXXX ) I understand that my account was charged off. However, I have not received a XXXX XXXX ( XXXX of XXXX ) as required for tax reporting purposes. 

The XXXX XXXX XXXX requires creditors to issue a XXXX for debt cancellations exceeding {$600.00}. Please confirm whether this form was filed with the IRS and provide a copy for my records.

4. Consumer Protection Laws I request confirmation that all actions taken in connection with my account comply with applicable consumer protection laws, including but not limited to the Truth in Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ).

Request for Resolution To resolve these issues, I request the following : 1. A detailed response addressing each of the concerns outlined above.

2. Copies of all relevant documentation, including the security agreement, vehicle sale records, and tax reporting forms.

3. A review and correction of any discrepancies related to the handling of my account.

Please respond to this letter within 30 days of receipt. If no satisfactory resolution is provided, I may seek assistance from regulatory authorities or pursue legal action to protect my rights. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NJ

Complaint narrative:
Investigation Timeframe To Whom It May Concern : I am writing to formally request the removal of late payments reported on my credit file for the following account due to violations of Metro 2 compliance standards, as outlined by the Credit Reporting Resource Guide ( CRRG ), and TransUnion 's failure to adhere to the federally mandated 30-day investigation timeframe : Account Name : XXXX XXXX Account Number XXXX XXXX  Date Opened : XX/XX/XXXX File Number : XXXX Date of Investigation Results Issued : XX/XX/XXXX Upon reviewing the results of your investigation, I identified several issues : Metro 2 Non-Compliance with Field 17b ( Payment Rating ) : The payment history indicates a 30-day past due status ( Metro 2 Code 1 ) for XX/XX/XXXX and a 60-day past due status ( Metro 2 Code 2 ) for XX/XX/XXXX. These reporting codes conflict with Metro 2 standards and the CRRG guidelines, which require accuracy and consistency in payment history reporting. The inaccuracies in these codes reflect a violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards. 

The updated information lists a 120-day past due status as of XX/XX/XXXX, which contradicts the payment progression reflected in the historical data. This inconsistency further highlights non-compliance with Metro 2 reporting standards.

Violation of the Federal 30-Day Investigation Timeframe : According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies ( CRAs ) are required to investigate disputes and either correct or remove inaccurate, incomplete, or unverifiable information within 30 days from the date the dispute is received. 

My dispute regarding this account was initiated over 30 days ago, and the investigation results were not issued until XX/XX/XXXX, violating the federal statute. 
Impact of Non-Compliance on My Credit Report : These inaccuracies and delays have caused undue harm to my credit profile and financial standing, which is unacceptable. TransUnion 's responsibility is to ensure that all reported data complies with Metro 2 standards and adheres to federal regulations. 

Requested Resolution : Remove the late payments ( 30 days, 60 days, and 120 days past due ) reported for the account in question due to Metro 2 non-compliance and reporting inaccuracies.

Correct or remove this account entirely from my credit report if TransUnion can not verify the accuracy of the information per the requirements of the FCRA. 
Supporting Documentation : I have enclosed a copy of the investigation results issued by TransUnion on XX/XX/XXXX, highlighting the non-compliance issues, along with the relevant sections of my credit report for your reference.

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 2024-12-20 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: IL

Complaint narrative:
I am writing again because Im fed up with the lack of action regarding the accounts on my credit report that are still in litigation. Ive contacted you repeatedly to address this issue, but nothing has been resolved. These accounts are inaccurately reported and are negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I found a complaint with you guys against U.S. Bank for overdraft fees that total up to {$4000.00} for 2024 as of right now U.S. Bank only refund me {$210.00} and their explanation is what we refunded you for XXXX and no other explanation of why my account was like that and Im excessively getting overdrive fees of {$36.00} sometimes XXXX a month.

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 2024-12-21 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: CA

Complaint narrative:
I urge you to carefully review this complaint, as it has been submitted with serious intent. My credit report contains mixed information, including accounts, transactions, and items that are entirely unrelated to me. This issue is deeply troubling and has caused significant stress and XXXX, as it directly impacts my financial standing and well-being.

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 2024-12-21 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: SC

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

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

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-12-21 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: SC

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

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

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has resulted in unknown and inaccurate accounts appearing on my report. As a victim of identity theft, my personal information was used fraudulently, leading to these unauthorized accounts being listed. Following TransUnion 's instructions, I promptly filed an FTC Identity Theft Report and submitted it to address the issue. Despite this, the fraudulent accounts remain on my credit report, causing unnecessary distress and complications.

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 2024-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear sir, I would like to express my concern of your company management regarding the post customer information. Your company branch, which mailing addresses are XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and/or XXXX XXXX XXXX, XXXX XXXX XXXXXXXX sent me two mails telling me that I concern the experiencing fraud and your company closed the TJX Rewards Platinum Mastercard cards ending XXXX and XXXX XXXX I understand your company closed my card ( s ), at least card ending XXXX, more than half years ago. Your company issued so many cards in the past ; therefore, I do not remember whether I have ever received or notified the card ending XXXX in the past. As your letters mentioned I have experienced so many frauds in the past few years including your company. So, naturally, I never want to have the cards issued by your company. Since your company sent me again which indicating your company again mentioning the closure of the same card ( s ), including card ending XXXX, I wonder maybe somebody still have the cards which might have my name, XXXX XXXX, on the card but I do not have any responsibilities on it/them, such as payment. I wonder maybe every few months I receive the same letters indicating the closure, especially for the card ending XXXX ; even though we do not know what numbers it/they might have for other 12 digits on the card ( s ). Recently, I do not buy so many things from the shops which related to the TJX, since I do not feel the charm which they sell. I prefer not to send any more similar correspondences in future. 
Sincerely,

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 2024-12-21 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: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-12-21 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has several accounts of my credit report that have been charged off/closed/paid. Since I was never provided with a 1099c tax form showing how these cases were handled, there is no way of disputing the accuracy of the balance owed regarding said accounts, which remain on 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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>| settled a Citibank account with XXXXXXXX XXXX XXXX under the reference number XXXX. I revived my confirmation of the account being settled in the mail and was told the account would be updated on my credit reported. Today a rep called me trying to collect on the debt. They have reopened the account under a new reference number XXXX, applied the payment I made for the settlement and are trying to collect the remaining balance. This is FRAUD! And a violation of debit collection practices. I need this account closed and accurately updated on my credit report to show that it has been paid.

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 2024-12-21 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
As of XX/XX/year>, NAVY FEDERAL CREDIT UNION refuses to update my REVOCABLE LIVING TRUST name. To do so, they are demanding full trust documents and that is a violation of Trust PRIVACY thus Trust Law. The full trust document is not necessary for routine account setup, and any request for it beyond what is required for compliance or verification would likely be an overreach. Furthermore, due to the name change request, I found out that my REVOCABLE LIVING TRUST, opened back in XX/XX/year>, was opened using my Social Security Number ( SSN ) and not the Trust 's Employment Identification Number ( XXXX ). This was done without my knowledge and consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I received 3 random emails with the subject, " USAA Online Profile Changed '' between XXXX EST about someone else. When I reached out to USAA about the emails, USAA made every effort to never resolve the issue. This began with an automated system that took 100+ times of hitting XXXX with the occasional request for an agent before I was finally transferred to XXXX XXXX I called back a few minutes later & spoke to another representative. Despite the email having nothing to do with me, they will not move forward with " authenticating '' my account. When I stated to select, customer does not have an account, I was told that that option was not available. Both USAA representative refused of escalate the call when I request a supervisor & hung up on me without providing any explanation or remedy. 
Additionally, USAA 's lack of care to resolve this shows that they not only care about me the person calling, but also do not care about the person whose information that I was sent. There are obvious security risks at USAA and based on my call, USAA could not care less. 
1 of 3 of the emails should be attached

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 2024-12-21 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: MI

Complaint narrative:
As I was checking my Experian account, I noticed my addresses was wrong. I only have one address that the post office knows XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX any other address will be 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 explanation
Consumer complaint received 2024-12-21 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: MI

Complaint narrative:
As I was checking my Equifax report I noticed something an inaccurate account on my report. XXXX XXXX XXXX  shows I owe them {$650.00} open : XX/XX/XXXX, XXXX account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) According to FCRA Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, written permission to furnish these accounts.

Company response to consumer: Closed with non-monetary relief