vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX a unauthorized inquiry was made from XXXX XXXX I ask that it be removed. on XXXX XXXX a unauthorized inquiry was made in my credit profile I asked that it be removed in XX/XX/XXXX a unauthorized inquiry from XXXX was made to my credit profile I ask that it be removed On XXXX XXXX a negative closed account was reported to my credit profile this account is fraudulent and I ask that it be removed 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX XXXX a unauthorized inquiry was made from XXXX XXXX I ask that it be removed. on XXXX XXXX a unauthorized inquiry was made in my credit profile I asked that it be removed in XX/XX/XXXX a unauthorized inquiry from XXXX was made to my credit profile I ask that it be removed On XXXX XXXX a negative closed account was reported to my credit profile this account is fraudulent and I ask that it be removed 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the

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 2023-06-24 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: TX

Complaint narrative:
Based on the FCRA law Experian is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in XXXX. This is not true. The debt was bought from XXXX for a account created over ten years ago. Experian refuses to remove this account. Bought by 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 2023-06-24 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 — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Auto Finance. I contacted them and provided proof regarding issue with my internet service as it timed out at the time I was making a timely payment. I was not aware this happened until the account was 31 days past due which at the time a timely payment was submitted. Although my situation was noted while I called and ensured payment was made to a live agent, it was not corrected. Furthermore to this, I retrieved proof from my cable company XXXX regarding the ongoing numerous outages in the area during the entire month. I submitted proof and the issue was never resolved, hence they continue to report negatively severely impacting my credit. This happened twice once approx XX/XX/XXXX for {$200.00} and approx XX/XX/XXXX for {$200.00}. Hyundai Financial has continued to report 30 days late on the 2 separate occasions noted. As a result of these outages I have implemented measures to ensure this will not happen again. I dont have a problem with my employment as my pay is well above adequate for my cost of living and has consistently been this way for 4 or more years. My account has been current and I pay as agreed. I need my report corrected as reported by the three credit bureaus XXXX, XXXX and XXXX. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/XXXX I submitted a dispute to equifax confirmation # XXXX to remove my consumer statement of XX/XX/XXXX the statement is misleading the creditors are not on my credit and to update XXXX XXXX account information, last update XX/XX/XXXX. sent statements to show payments on account each payment was paid and not reported on equifax.equifax removed score points from my credit score.Iam reporting XXXX XXXX for not clearing up this matter this was agreed on my account when open.both never replied back I give c.f.p.b. my permission to pull my equifax credit report.all document in this conplaint copies sent to c.f.p.b. by certified mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Have to keep disputing the matter XXXX XXXX And XXXX it's from Speedy Cash back in 2013 still on my records with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AL

Complaint narrative:
I paid my car insurance using cashapp. I received a confirmation email stating that my payment was processed successfully and {$170.00} came out of my cashapp account. Now they are stating that I did not pay my insurance when I have a confirmation email.The company is saying that they cant do anything about it and I have to re-pay what Ive already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: KS

Complaint narrative:
My name is XXXX XXXX XXXX, i tried to make an account on Remitly with all the correct details, i haven't made any transaction but still they suspended my account. for no reason. 
I request Remitly to revoke my suspension so that i can make the transfers to my friends and family. 

Company Name : Remitly Name : XXXX XXXX XXXX Email : XXXX Mob : XXXX Add : XXXX XXXX XXXX, XXXX, Kansas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Three weeks after my loan was paid in full Chrysler pulled a payment from my account. That payment has not yet been refunded and it has been over 2 weeks since that happened. The pulling of this payment caused {$56.00} in Over draft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This is a complaint against PNC, I have a business checking account that PNC has systematically locked my account and access to money and hindering my business and causing serious emotional duress. On XX/XX/2023 I went to withdraw money from ATM. My account was locked out for fraud, I had a very difficult time getting assistance and was almost stranded during a travel day. After this incident my account has been systematically locked every week and seems to happen on Fridays. It has prevented a number of business transactions that have caused me extreme stress. It's either comical or criminal, the past two incidents I accused PNC of criminal behavior and I was dismissed and laughed at by their representative and yet the lock out occurred again this week. PNC is responsible for negligence at the very least. This is five straight weeks I've had to deal with this, and in the midst of changing banks. Divorcing your bank is more difficult than divorcing your wife! All conversations have been recorded and my belief is PNC 's behavior is criminal, this has gone beyond negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion is reporting An account that no knowledge that is an inaccuracy on my credit I have sent them several letters and the issue was not rectified as yet

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 2023-06-24 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: Opportunity Financial, LLC
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: VA

Complaint narrative:
my XXXX, XXXX credit report is reporting a student loan that was paid off by the dept of education /neln and needs to be removed from my credit report this loan was taken out in 2007 and went into forbearance and then was paid off by the department of education and other respaces available to me. 

please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CORELOGIC INC
State: GA

Complaint narrative:
XX/XX/XXXX  Corelogic Credco, LLC Consumer Relations Department XXXX XXXX XXXX XXXX XXXX, Ca XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 2023-06-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is reporting inaccurate Names addresses as well as multiple account that I have disputed. As well they are allowing inquiries from XXXX XXXX and and other without any authorization. All credit bureaus are reporting and damaging my consumer report and my life. I do not understand why no one is protecting 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 2023-06-24 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: AL

Complaint narrative:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX 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 : 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 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2023 {$26.00} XX/XX/2023 {$26.00} Experian credit report They changed twice for something I don't know what it is..

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 2023-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint against Navy Federal Credit Union Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding a recent incident involving my account. I believe that Navy Federal Credit Union has engaged in unfair practices by withholding funds without proper justification, causing significant financial hardship for me and my family. 

Here are the details of the complaint : Account Information : Account Holder 's Name : XXXX XXXX  Account Number : Date of Incident : XX/XX/2023 Description of the Incident : On XX/XX/2023, a loan I received for {$300.00} was deposited into my account with Navy Federal Credit Union. However, upon the deposit of funds from a third-party loan, Navy Federal immediately seized the entire amount from my account to pay off a previously charged off account, without any prior notification or explanation. 

Attempts to Resolve the Issue : I have contacted Navy Federal 's customer service multiple times to address this issue. During one of these conversations, a representative acknowledged that the funds could be returned to me. However, despite their acknowledgment, Navy Federal has refused to take any action to rectify the situation or provide an adequate explanation for their actions. 

Financial Hardship : By taking the loan funds that I had deposited into my account, Navy Federal has caused great financial hardship for me and my family. I needed those funds to repair my car, which is essential for me to continue working and provide for my family. 

Texas Statute of Limitations : According to the Texas statute of limitations for debt collection, which is generally four years, the charged off account in question exceeds the statutory time limit for collection. Therefore, Navy Federal 's actions in seizing funds to pay off the debt may be in violation of the statute of limitations. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter, taking into consideration the significant impact this has had on my family 's financial well-being. I request your intervention in ensuring a fair resolution to this dispute. 

Thank you for your attention to this matter. Please feel free to contact me if you require any further information. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Since I lost my job because of Covid months ago, Southeast Toyota had deliberately ignored my plea for help for keeping a XXXX XXXX XXXX and put me in further debt. There were no options for help and they would not take smaller payments which I did put towards the car. I am on XXXX XXXX XXXX and it is against the law to collect debt otherwise from individuals incapable of working and to try to collect debt from this income. I have repeatedly told them that and they have harassed and numerously called me as if I could use that little amount to pay the debt. They already repossessed the car, sold it in auction, and are now saying I owe the difference and am fighting against this. 

I ask this debt and collection to be cleared from my debt and credit immediately as I have not found gainful employment. It is against the law to collect otherwise and the debt should be removed because I was making some sort of payments before they repossessed my car and put me in such a bad situation employment wise as well as have harassment called me numerous times about this collection which I will not be able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: AL

Complaint narrative:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 : 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