vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union refuses to close my account or freeze it even though I have told them multiple companies keep trying to debit the account even though I have cancelled any and all automatic payments and revoked authorization. The bank makes {$29.00} each time one of these companies tries to take money and now I have at least 10 of these fees. The account is negative {$600.00}. They want me to pay before they will close it but each time I add money they add more fees, because someone tries to take money out without my authorization again. I revoked authorization each time Im given the name of the company that is trying to debit the account. I need assistance closing the account and getting a final account statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo keeps taking money out of my accounts. When I checked my savings account balance, it was negative because they declined a legitimate check from XXXX XXXX XXXX which was deposited at a local ATM. Then they charged a fee for this declined check and are making me wait two business days for them to get around to telling me why this happened. 

For the record I have deposited the same checks from the same company four or five times already without issues. 

This is only the latest of several serious problems with WF. For example, when I reported my card lost the cancelled the card and promised my digital wallet would still work, but it didnt, so I could not purchase anything. Some time later they reversed a claim they had previously approved so that my account had very low funds. 

Because of the theft of {$240.00} from my savings account I am forced to use money set aside for rent for daily expenses.

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 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My credit card payment was due XX/XX/2022. XXXX days earlier I scheduled a payment for XX/XX/XXXX on the bank 's online website. I checked all specifics twice to ensure accuracy. Yet, the bank did not process my payment until XXXX day after the due date, on XX/XX/XXXX. Consequently, it charge me a {$25.00} late fee and {$6.00} in interest. For XXXX years I have always paid the bank on time. Either the bank criminally manipulates payment dates or the bank 's software and data are corrupted. Whether intentional or unintentional, the bank is stealing money from the consuming public.

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 monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I entered my new mailing address on the bank ; s website, but it rejects it as invalid. I tried doing so several time over many days. But, the USPS delivers my mail to this new address, and all other entities had no problem updating my address. Customer service states that the data base the bank uses rejected it because my new address is not in the data base the bank uses. Clearly, the bank is incompetent. I no longer receive statements and can not use my card because of this. The bank 's cavalier attitude is not in the public interest. Its IT executives should be fired!

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 monetary relief
Consumer complaint received 2022-12-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX  ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: PA

Complaint narrative:
Experian is reporting a XXXX XXXX account to my credit that is fraudulent. I have been submitting dispute and complaint after complaint trying to get this resolved. My next step is a law suit. I will be attaching documents below from XXXX  XXXX themselves verifying they're using the address XXXX XXXX XXXX  XXXX to link me to this XXXX  XXXX account. That is impossible as there is no XXXX XXXX XXXX XXXX on my credit report and that was never my address. XXXX XXXX and XXXX is not reporting this XXXX XXXX account as they could not verify it belongs to me and it was deleted. Experian has come back time after time saying they verified this account which is once again impossible as it is not on any other credit report and that address is fraudulent and not linked to me. Experian is violating my FCRA rights and I need immediate action taken.

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 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
My bank closed my account without any reason on XX/XX/2022, and until now I have not received the cashier check with my money I had ... more than XXXX usd.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting some inaccurate fraudulent accounts on my files. I reached out to them multiple times, but they are refusing to throughly investigate my dispute. I am attaching a copy of my most recent dispute with them. 

I am referring to these accounts below : XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} Truist : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number : xxxx open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX  XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them. 

I also have XXXX different social security numbers being reported on my Experian report which is impossible. My social security number ends in XXXX, but you have it has both XXXX, and XXXX which suggests these accounts XXXX belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.

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 2022-12-17 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:
TransUnion have incorrect Address on they reported stoping me from uptain credit card an home loan an why I can't contain a correct credit score everything must be correct I requested everything should be removed off my credit report due to false address an name should appear what on my driver 's license XXXX XXXX XXXX no lot my name it's XXXX XXXX what's on my state issue identity card

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 2022-12-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an installment account XXXX on XXXX as a closed account with open date of XXXX high balance of {$750.00} with a date reported of XXXX with zero late payments. The same XXXX XXXX XXXX XXXX is reporting an installment account XXXX on Experian with XXXX XXXX XXXX high balance of {$750.00} with a date reported if XXXX with 3 late payments for XXXX, XXXX, XX/XX/2018. I am requesting that these account be investigated, so that the negative and stressful impacts done to my credit report be corrected and updated. 

XXXX XXXX XXXX XXXX is also reporting Installment loan with past due balance of {$150.00} high balance of {$730.00} is reporting inconsistent information to XXXX and Experian such as incorrect open date and XXXX late payments on Experian but none of XXXX XXXX XXXX XXXX XXXX is also reporting a revolving account XXXX credit limit of {$250.00} with a high balance of {$450.00} is reporting inconsistent information with XXXX and Experian. Seem to be reporting false and inaccurate late payments. 


To be in compliance with Fair Credit Reporting Act Section 607 - 15 U.S Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also in the FRCA law Section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] this company should be held liable for {$1000.00} made payable to 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 2022-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt XXXX5usc 1692c ( XXXX ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

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 2022-12-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( XXXX ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

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 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
My XXXX XXXX, E-States at XXXX, in XXXX XXXX, CA contracts with CIT Bank to provide PropertyPay service which includes electronic payments as well as automatic payment. 

My automatic payment plan was set up in XXXX and never touched since then. 

CIT Bank has missed my XX/XX/XXXX payment and I was assessed a late fee of {$45.00} and delinquent interest of {$0.00}. 

Both the late fee and the delinquent interest was added to my bill and payment for XX/XX/XXXX which was subsequently automatically paid by CIT Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: OH

Complaint narrative:
I contacted the credit bureau and explained that I was concerned that the information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, there has been no response from the credit bureau but as I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681 Section 602 A states that I have the right to privacy.

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

These are clear violations of my federally protected consumer rights.

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 2022-12-17 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: OH

Complaint narrative:
I contacted the credit bureau and explained that I was concerned that the information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, there has been no response from the credit bureau but as I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

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

These are clear violations of my federally protected consumer rights.

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The following accounts are incorrect, and they are severely affecting my ability to make a living. 

XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I entered my new mailing address on the bank 's website, but it rejects it as invalid. I tried doing so several time over many days. But, the XXXX delivers my mail to this new address, and all other entities had no problem updating my address. Customer service states that the data base the bank uses rejected it because my new address is not in the data base the bank uses. Clearly, the bank is XXXX. I no longer receive statements and can not use my card because of this. The bank 's XXXX  attitude is not in the public interest.

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 monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
I applied for a loan. And didn't get any money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to Metro 2 Credit Compliance standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet Metro 2 standards. 

I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: CA

Complaint narrative:
I basically had a case for carrying a XXXX but I fought the case for 6 months and ended up getting it dropped to XXXX Which is why I was on XXXX XXXX XXXX XXXX for a long time. Long story short Im about to finish my XXXX in a couple months, but that information about it being a XXXX is false because it was dropped to XXXX so that shouldnt be on my record.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing these accounts below. They are not mine, and are fraudulent. There are a lot of inconsistencies in the reporting of them. 


XXXXXXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : Account number : XXXX open date inconsistent and or duplicate account. 
XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX open date inconsistent XXXX XXXX ( CLOSED ) : Account number : XXXX XXXX inconsistent not mine. 
XXXX XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them. 



I did not give them my consent to report.

Company response to consumer: Closed with explanation