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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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 15USC 1681. 

XXXX : 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 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 Any other adverse item of information, other than records of my 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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is the third time I've asked the agencies to correct my consumer report since the accounts listed below are Inaccurate. My life and personal reputation depend on the outcome of my consumer report. I'm exhausted and stressed every day. Delete these inaccurate and unverifiable accounts immediately. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

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: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Sometime in XX/XX/2023 Bank of America ( BoA ) decided to close my personal checking account ( XXXX ) and credit card account ( XXXX ). Letters were mailed to my home address stating the checking account would be restricted in 21 days and closed in 30 days, whereas my credit card account was closed on the day the letter was sent. The only explanation I was given for the closure was that my risk profile no longer aligns with the banks risk tolerance. 

Nothing has changed in my personal or financial life over the past 12+ months. The only item I can imagine impacting BoAs decision is that I recently purchased a new car with an auto loan through BoA. The auto loan was for $ XXXX over 5 years and is well within my budget. I also sold my old vehicle for $ XXXX to a local dealership and deposited the check into my former BoA checking account before it was closed. 
Most importantly, I was told that my {$1200.00} in Cash Rewards that I had earned on my Cash Rewards World XXXX credit card ( XXXX ) will be forfeited. The rewards are still visible and available when I log in to my BoA account, but are unable to be redeemed. I have a remaining balance due on my last credit card statement and wish to redeem all of my earned Cash Rewards against the remaining balance or receive a check for the total value of the rewards. I have included a screenshot of my credit card account dashboard that includes the Total Cash Rewards balance. The screenshot is from XX/XX/2023. 

Ive called BoA and spoken to numerous individuals without any resolution. Ive been given no explanation for why both accounts were closed and have been told that my credit card rewards are no longer available. It would seem the Bank of America arbitrarily closed my accounts and prevented me from redeeming my earned rewards in order to avoid paying me {$1200.00}.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Attached is a debt validation letter addressed to Jefferson Capital Systems , LLC. 
This was furnished on my credit report without my written consent and was not validated according to my consumer rights found in 15 usc 1692g. It also states in 15 usc 1692g ( c ), that the failure to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I also received a debt collection letter with multiple FDCPA violations which are listed. Each violation is up to {$1000.00} fine per violation according to 15 usc 1692k ( A ) ( 2 ) ( A ). My federally protected consumer rights have been violated on multiple occasions.

15 usc 1692b ( 5 ) 15 usc 1692f ( 8 ) 15 usc 1692g ( c ) 15 usc 1692e ( 10 ) 15 usc 1692b 15 usc 1692e ( 11 ) 15 usc 1692e ( 2 ) ( A ) I request you remove this alleged debt from my credit report immediately.

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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Multiple transactions have been done on my account from XX/XX/XXXX to XX/XX/XXXX XXXX and I noticed it in XX/XX/XXXX when i was about to pay my car loan when i received a message of insufficient funds whereas i had just deposited a check in my account ( I usually deposit a check into my account every Friday or Saturday but stopped when I noticed this problem ) .The next day I informed my bank ( Navy Federal credit union ) by phone, I was given the a phone number of the fraud department. I called several times and i was asked if i know XXXX XXXX who had removed {$2000.00} ( XXXX XXXXXXXX XXXX ) and {$110.00} on XXXX  from my account. On this same XX/XX/XXXX, Someone added {$600.00} of credit card cash advance to my account.. 
Early XX/XX/XXXX, I went to the bank for the third time and asked for my account statement then realized that there were two loans ( {$4500.00} on XX/XX/XXXX at XXXX and {$2000.00} on XX/XX/XXXX at XXXX ) that were issued to my account without my knowledge. 
Also, after several attempt to know where this money was transferred, the bank gave me a document showing the account number where {$2100.00} were transferred to and I don't know the owner of this account. 
Facing this situation, I have been report to the credit Bureau and each time I deposit a check or money into my account, it is automatically taken .I have tried several times to resolve this problem with the bank but they keep on telling me about privacy .Please I need help in resolving problem with is negatively impacting my life.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
This is with U.S. Bank Branch and I have been disputing ID Thief and Fraud with U.S. Bank since I first became aware of it in XXXX 

Please see attachments and that will summarize everything. 

CFPB complaint word doc is the complaint and will explain the case and will reference Attachment A and Attachment B ( 3 Parts ) Please read carefully to understand my situation and frustration. 

A XXXX Is attachment A B Attachment are supporting files. It's in 3 parts b/c it was too big for 1 upload

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 — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
My family member paid my car payment twice and the company keeps stealing the money every time the payment is made and harassing me after it gets paid

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX XXXXs REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX ( XXXX ). Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation.

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: PA

Complaint narrative:
I have a few accounts on my Transunion credit report that are Fraudulent I need these accounts blocked under 15 U.S. Code 1681c2. I have disputed these accounts and I have not received a response or block 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 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I own a small business and cash slow is crucial for me. I have deposited two checks in the last two weeks and both of them have been retained affecting my business, vendors and employees directly. One of the checks for {$10.00} deposited on XX/XX/XXXX will be available until XX/XX/XXXX. Initially the 30 % was supposed to be available two days after, but after they changed the times with no reason. The second check for {$1.00} which is a very small amount was deposited on XX/XX/XXXX and also will be available until the XXXX. I called Bank of America multiple times I even went to the office and they will not solve the problem or provide a valid reason for the retentions. I am 2 weeks past due my XXXX bill because I have not been able to use my money.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: PA

Complaint narrative:
I called first progress credit card to let them know they were taking fees out even though my card was being paid, which I have legal documentation that all the money was coming out and being paid to them. they kept tacking on charges the entire time they told me they could only remove one charge even though I paid the card multiple times. Then they tax on a late fee after my card was already paid in the full balance of {$100.00} they have been stealing money from me the entire time Ive been paying my card. then he proceeded to tell me that I owed a balance, and that he would not be returning it. This is the worst way to start your credit out because theyre stealing from individuals.

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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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.

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: IN

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have 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.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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: LA

Complaint narrative:
My mortgage was assumed by XXXX XXXX on or around XX/XX/XXXX. I called XXXX XXXX on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. XXXX XXXX continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reversed 3 mortgage payments without notice to me. Furthermore, XXXX XXXX failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, XXXX XXXX reported me to Experian and XXXX as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of XXXX XXXX XXXXXXXX unauthorized reversal of my payments without notice to me, as well as XXXX XXXXXXXX XXXX failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. XXXX XXXX responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information Experian and XXXX used to verify XXXX XXXX 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by XXXX XXXX was " verified ''. The false information remains on both credit reports. 

I only discovered the reversed payments after requesting itemization of all payments received from XXXX XXXX, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding XXXX XXXXXXXX XXXX fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I wrote a letter to the company that say I owe two collections. One for {$600.00} the other for {$660.00}. I ask for verification and they will not respond to me how they verified this is my account. 

According to 15 usu 1681a2 I did not give them writing permission to have these accounts furnished on my report. These two accounts are inaccurate

Company response to consumer: Closed with explanation