vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy federal credit union has not responded to my attempts to solve an error on my credit report for XXXX. I have contacted the XXXX  on XXXX and XXXX federal has not responded back. The XXXX  sent me a message on XXXX saying that they would send them another request for mediation. I have also contacted the office of XXXX XXXX XXXX consumer complaint on XXXX. XXXX federal has not responded to the XXXX XXXXXXXX request for an investigation into my account and credit report. XXXX XXXX has stop replying to my e-messages on the navy federal portal. And they have refused to reply to my Jams demand for arbitration. Navy Federal must engage with their customers and allow us a venue to solve our disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: MD

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
they are charging me {$3000.00} more than what i was supposed to owe. wont answer my calls to make a payment or payment plan. theyve scammed me and countless other people. not to mention i was being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 times and yes i do have a police report for that. and adding debt for fixing issues like the black mold in the bathrooms that we complained about for a year is insane. corrupt law office and corrupt apartment complex. i have tried hundreds of times to contact the law office to correct things and work something out and have never once have my calls been answered. uploading the ledger which again is thousands of dollars off and the reviews of other people struggling with the same neglect from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: CA

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 XXXX party. They in fact did not come from a XXXX 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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
I recently opened a checking account with US Bank and tried to make a direct deposit, but it didn't work right away, so my company gave me a paycheck. 

So on the morning of XX/XX/XXXX, I scanned and deposited it through the US Bank Mobile App, which I downloaded.

The US Bank App said there were no issues and it was complete. 

However, after a while, I received an email saying that my funds are being held and will be held until XX/XX/XXXX to verify. 

Does this make sense? How am I supposed to live if they hold my paycheck for XXXX weeks when I need to use it for living expenses? 

Also, the amount that was deposited is not reflected in the total amount in my account and it's hard to find the transaction. 

So, after a difficult phone conversation with an agent, she says she can't even see that I deposited it in her system and tells me to visit a branch. 

There are no US Bank branches near where I am and it takes me forever to get to the nearest XXXX. 

I used to use XXXX XXXX before. XXXXXXXX XXXX usually reflects it the next day and if it's a large amount, the XXXX says it can't be processed. 

I can't cancel it because it's already been processed, please help me get it to reflect in my account right away.

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 2024-05-10 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: VA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name : XXXX XXXX  XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-10 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: VA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name : XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name : XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Money lion has a service where you credit builder loan I have done XXXX of them meaning XXXX  years of payment on time, and no issue and now they are deny a other loan and I dont understand why. I been paying there monthly service for over XXXX years

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I called bank of America XXXX XXXX XXXX ( credit card ) to set up an auto-pay because the bank locked my card and I was forced to make payment. At that point I didn't use the credit card to buy gas at XXXX. After I made the payment for the balance that was due, I told the representative to set up an auto-pay to avoid the disagreement in the future and she did. On or about XX/XX/XXXX, bank of America credit card sent me an email that they still can not process the payment. I received an email that a payment of {$56.00} was past due on XX/XX/XXXX. On XX/XX/XXXX, I made a {$200.00} transfer from bank of America XXXX acct to the credit card. I even called the bank at XXXX and they confirmed it. They couldn't tell me the reason why the auto-pay that was set-up didn't go through. I also noticed during the call with the bank that they reduced my credit line from {$5000.00} to {$800.00}. I asked the bank and they told me that they sent me a mail explaining the reason. The bank also said that they made the decision to reduce my credit due to my credit score. I went to my XXXX XXXX to check with XXXX which is the credit report used by Bank of America. My credit dropped from XXXX to XXXX as of XX/XX/XXXX. They bank couldn't tell me exactly why they reduced my credit line. There was no late payment and no delinquency. The balance on the credit card was close to {$800.00}, so you understand why the credit report would dropped my credit. On XX/XX/XXXX, I tried again to make transfer using my checking account with bank of America to my credit card, still nothing to show if the payment is successful or not. The bank seems to take few days to let the customer knows if payment was accepted as opposed to XXXX or XXXX XXXX. This is not the only credit card I owed, but it's the only credit card that I hate using because if you make an extra payment, the bank returned the extra as shown in the attached document when they returned a {$94.00}. It wouldn't have bother me if the bank kept it on the credit card. If you don't make payment the date you're supposed to make payment, the bank locked your card. I have {$560.00} on my checking and {$290.00} on my saving. I owed the credit card since 2011 and this is what I get as a thank you even with no late payment. I just tried to use the card for emergency as when I used it in XXXX of this year to pay for my {$600.00} prescription glasses, thus the reason for the balance. Now, I would reconsider my trust in that bank in time of hardships.

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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
For more than XXXX ( XXXX ) years I have been receiving email notifications about my mother-in-law 's account at Bank of America. These emails include information about account balances, checks, and financial transfers from XXXX account to another. I am not and have never been a signer nor an authorized user on this account. My mother-in-law, husband, and I have all contacted BoA by phone and email on numerous occasions to stop the emails, but to no avail. In the last XXXX hours, I have received XXXX more emails providing information that my mother-in-law does not want me or anyone to know. 

I have called at least XXXX times and emailed XXXX times. I would conservatively estimate that between my husband, mother-in-law, and myself collectively, we have spent at least XXXX hours on this.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have 3 collection accounts on my credit report that have REAPPEARED after being deleted previously. XXXX XXXX is the collection agency appearing on my credit report this account was supposedly purchased from XXXX which was previously deleted from my report. Please have this removed permanently from my report as it has been previously disputed and deleted.

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 2024-05-10 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: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: NY

Complaint narrative:
After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached 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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my XXXX, Experian and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached 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 explanation
Consumer complaint received 2024-05-10 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: CA

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
Medical bill for our son from XXXX XXXX, 2023, {$500.00}. {$20.00} more added for XXXX XXXX, 2023. Have attempted to get provider to grant me access to my XXXX XXXX account so it could be paid several times with no action to provide access. The bill is in husband 's name due to insurance in his name and he does not have an electronic account set up. Have asked for multiple years to have our son added to my account ( like my other son is already ) and they won't do it. I can't pay when I have no access. Collections calls come to my number. Voicemails are left on my voicemail. Text messages are sent to my number. 

Harris & Harris now have account : Received letter. Started getting multiple calls and texts all from different numbers. XXXX ; XXXX ; XXXX XX/XX/XXXX, XXXX AM - incoming call, attempted to answer and their system hung up WEEKEND : XX/XX/XXXX, XXXX AM - missed call, believe had voicemail but deleted XX/XX/XXXX, XXXX PM - incoming call, attempted to answer and their system hung up XX/XX/XXXX, XXXX PM - text message XX/XX/XXXX, XXXX PM - text message XX/XX/XXXX, XXXX PM - missed call, believe had voicemail but deleted XX/XX/XXXX - submitted {$20.00} payment online XX/XX/XXXX, XXXX PM - missed call, believe had voicemail but deleted XX/XX/XXXX - payment cleared bank account Received letter WEEKEND : XX/XX/XXXX, XXXX AM - voicemail XX/XX/XXXX, XXXX PM - call, answered and they hung up after XXXX seconds XX/XX/XXXX, XXXX PM - returned the call but they are not open so says to call during business hours XX/XX/XXXX, XXXX PM - voicemail XX/XX/XXXX, XXXX PM - text message XX/XX/XXXX, XXXX PM - voicemail XX/XX/XXXX, XXXX PM- called and discussed harassment with the constant phone calls, text messages, letters, when I have started making payment and was told I wasn't on an official payment plan. Set up official payment plan and asked that they stop calling, texting, and sending letters. Documented in their system that payment will be made XX/XX/XXXX and they would not call again unless I defaulted on agreed payment XX/XX/XXXX. 
XX/XX/XXXX, XXXX PM - voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Affiants ' personally identifiable information has continued to be trafficked by third parties without consent or copyright license through an organized criminal scheme aimed at depriving liberty under the color of law. Affiant has been impacted by this scheme in a new manner : through companies engaging in impersonation and unlawful conversion for extortionate extension of credit by infringing upon copyright laws for the purposes of slavery. 

These companies falsely portray themselves as lenders, when in fact they are unlawfully extending credit using the affiants ' own credit, while keeping the par gold spot rate value, by deception and without disclosure. They engage in copyright infringement by exploiting affiants ' copyright-protected indigenous property for their own financial gain, a form of modern slavery. 

In these actions, they knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright-protected indigenous property. This constitutes a flagrant infringement upon Affiant 's exclusive rights as a copyright holder, protected under the XXXX XXXX XXXX copyright registration XXXX, with the XXXX XXXX XXXX.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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