vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 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 2022-11-03 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: Medical Recovery Services, LLC
State: CO

Complaint narrative:
I spoke with XXXX XXXX and they stated to me I was never late on my mortgage and sent me a statement showing I was never late. But the credit reporting agency is showing late payment even after sending the statement to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
Leased vehicle was totaled XX/XX/2022. Vehicle was fully insured with XXXX and they sent original settlement offer and explanation XX/XX/2022. I continued to make payments so that XXXX would not report negatively to credit bureau agencies and was told that the overpayment would be credited from XX/XX/XXXX. 

Kia Finance has continually caused delays in processing paperwork and failed to acknowledge when paperwork or responses were sent. XXXX made adjustment to the settlement offer in hopes of XXXX just pushing approval through and getting the lease paid off. They sent additional offers for processing on XX/XX/2022 and again on XX/XX/2022 when XXXX filed respond. We, XXXX and myself, called XXXX via three way call on at least 4 occasions during this time to inquire and resent the settlement offers as they requested. Each time we were told it would take XXXX days to process. 

Claim was finally accepted on XX/XX/2022. Payment was accepted by XXXX on XX/XX/2022. 

I called XXXX for a status update on XX/XX/XXXX and was told it would take XXXX days to process the payment, close the account and issue my refund for overpayment. 

I called XXXX for a status update on XX/XX/XXXX and was told it would take XXXX days to process the payment, close the account and issue my refund for overpayment. 

There was no reason or explanation given for the delay when asked. 

As of today, XX/XX/2022, XXXX has still not processed payment or closed out account. They have made a partial refund on my overpayment, but still owe me a little over {$500.00}. They have continued to report this as an open account. 

I was told it would take another 2-3 days to process.

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 2022-11-03 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: MN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SCETION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SCETION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX : XXXX Upon checking my credit file with your company I noticed that your company has been reporting incorrect information. The Fair Credit Reporting Act states that only fair and accurate information should be reported to a consumer 's credit file. I ask that your company correct this information as soon as possible. The following addresses, hard inquiries, and accounts should not be reported to my credit file, please remove this information from my credit file.

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 2022-11-03 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 non-monetary relief
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax continuing to report many fraudulent inquires on my credit report that I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

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 undXXXX XXXX XXXX XXXX. 

XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX TransUnion # XXXX XXXX XXXX XXXX # XXXX 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 2022-11-03 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: Experian Information Solutions Inc.
State: FL

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. 

XXXX XXXX XXXX XXXX Experian # XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX.Experian XXXX XXXX XXXX # XXXX 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 explanation
Consumer complaint received 2022-11-03 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: NY

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2022-11-03 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:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Alabama XXXX XXXX : XXXX Upon checking my credit file with your company I noticed that your company has been reporting incorrect information. The Fair Credit Reporting Act states that only fair and accurate information should be reported to a consumer 's credit file. I ask that your company correct this information as soon as possible. The following addresses, hard inquiries, and accounts should not be reported to my credit file, please remove this information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Alabama XXXX XXXX : XXXX Upon checking my credit file with your company I noticed that your company has been reporting incorrect information. The Fair Credit Reporting Act states that only fair and accurate information should be reported to a consumer 's credit file. I ask that your company correct this information as soon as possible. The following addresses, hard inquiries, and accounts should not be reported to my credit file, please remove this information from my credit file.

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 2022-11-03 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Lost wallet during move to XXXX, Texas, Had alerts going off on XX/XX/2022 that my credit was being ran by XXXX XXXX and XXXX. I called Equifax multiple times ending in the representative saying that they can not help me. There was not verification or authorization in this process and under the FCRA laws these inquiries should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citigold Checking account with Citibank on XX/XX/22. The available balance on this account as of XX/XX/22 is {$9500.00}. Upon accessing my account online, their system notified me that my account had been blocked. I reached out to Citibank 's customer service as well as their fraud department, and have been told that my account had been closed for fraudulent activity, but could not elaborate or give me any additional information. Citibank has refused to refund my money and has informed me that it may take up to 75 days to receive a check for the balance they deem appropriate.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian 's website security is horrible. No XXXX factor verification, and my account was hacked/accessed without my permission. Information was changed. I asked to reset my login and password and discovered that my email and security questions were changed along with other information. 

At this point there was a ticket to escalate, but I'm seeing that others have had this same issue XXXX 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 2022-11-03 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: MN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SCETION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SCETION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOOUNT 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 2022-11-03 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SCETION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SCETION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOOUNT 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 explanation
Consumer complaint received 2022-11-03 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: USCB Corporation
State: MS

Complaint narrative:
In XXXX I XXXX XXXX enrolled in XXXX XXXX to acquire a certification in XXXX XXXX.As I progressed in the course of study, Unfortunately I acquired XXXX in XXXX. I subsequently notified The XXXX  XXXX. The XXXX XXXX  assured me they would cancel my account. Due to the reports I received I was not going to make it due to my condition. In the XXXX XXXX my account was canceled. But my account was sent to USCB XXXX XXXX Its on my XXXX XXXX XXXX XXXX and XXXX  Reports. I called XXXX XXXX and inquired as to why and how was this done. This collection agency never called me, never tried to reach me I called them asking for validation. Also I asked for itemization of the bill.Never received validation or itemization.

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 2022-11-03 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
In XXXX Of XXXX I reported to CFPB In regards to the Navy Federal account ending in XXXX. XXXX and XXXX at XXXX Between XXXX and XXXX Eastern Time, XXXX Navy Federal is still Reporting incorrectly to all Major credit bureaus. On XXXX I spoke with a representative confirming all what I have paid and what was still owed, The representative confirmed I have made XXXX in Payments to the above referenced company not one payment has been reported to the bureau. Monthly the payments are showing CO which stands for Charge OFF. The balance on the report shows XXXX the representative told me on XXXX the balance was XXXX. The report has a total of XXXX late months " XXXXXXXX XXXX months '' which means would mean I never made a single payment ever on the account. The account was settled XXXX which they stated in the response in the last complaint. so if I have made payments why would my account balance not reflect the payments made or the arranged balance. I have attached correspondence from XXXX and XXXX. All Items in Exhibit B are inaccurate, invalid, not timely and carry no documented evidence of the true and accurate facts. To the least they have not been authenticated as per my rights or requirements you are damaging my character, creditworthiness and well being by falsely reporting balance and being non complaint reporting unverifiable account information. 

Exhibit A - Corresopndence from XXXX and XXXX stating the balance owed as of XX/XX/XXXX Exhibit B- My XXXX Credit Report That shoes 59 negative payments and a incorrect balance owed. The payments the have received for the last 2 years are not reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I bought a car and the dealership did the loan through NBT Bank. NBT Bank charged me twice for the first month for my car payment. They took {$390.00} on XX/XX/XXXX and {$390.00} on XX/XX/XXXX. After calling XXXX times and not getting the issue resolved, I disputed the second charge with my bank ( XXXX ). On XX/XX/XXXX they charged me a {$20.00} fee for revoking the second payment. I have called XXXX more times. A representative claimed that there was an internal and external payment set up and she deleted the second one. That apparently wasn't true as the XXXX  time I called both payments were still set up. This XXXX  representative claimed the second payment was deleted and I could put in a request to get my {$20.00} back, but based on the fact I've had to call them XXXX times to try to get a normal monthly autopay set up and they can not figure it out, I highly doubt they'll get it together. I want the {$20.00} back and I want confirmation they will just take XXXX monthly payment a month ( they can use the external payment set up ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: WA

Complaint narrative:
On XX/XX/2022 Union Bank ( MUFG Union Bank ) improperly allowed an unknown and unauthorized person to withdraw {$27000.00} from our line of credit. 
The funds were withdrawn in person ( by unknown and unauthorized persons ) from a bank in California, where we have never been. The signatures this person provided did not match ours and identification was inadequately checked. 
Upon learning of this unauthorized withdrawal we immediately contacted the bank, and provided completed forms and details they requested. 
Despite several attempts to contact the bank to understand the status they inform us that the investigation will take " A while '' and while the investigation is underway, our account is still missing the this amount, accruing interest on said amount and our other funds are locked and inaccessible. 

The bank has not followed XXXX Liability of consumer for unauthorized transfers. with respect to this issue, as we are still out of pocket for funds the Bank inappropriately issued to an unauthorized, unknown party.

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