vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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: FL

Complaint narrative:
Re : # XXXX My minimum payment was made on the due date XX/XX/2023 which I paid. The balance was {$2900.00} after that payment. My Statement date is XX/XX/2023. I made a payment of {$2300.00} on XX/XX/2023 BEFORE the cut off time and, immediately my available credit limit increased.. The Statement was posted on my account but, had not generated being the Statement date closing of the billing cycle is the XXXX of each month. 

Navy Federal reported the balance of {$2900.00} to XXXX XX/XX/2023 and, XXXX / XXXX The prior balance of {$2900.00} BEFORE Re : # XXXX My minimum payment was made on the due date XX/XX/2023 which I paid. The balance was {$2900.00} after that payment. My Statement date is XX/XX/2023. I made a payment of {$2300.00} on XX/XX/2023 BEFORE the cut off time and, immediately my available credit limit increased while the payment was Pending.. The Statement was posted on my account on this day but, had not generated being the Statement closing of the billing cycle is the XXXX. 

My payment was still pending XXXX, the XXXX it finally posted to my account. Even though I made my payment before the Statement generated they reported my account. 

Navy Federal reported the prior balance of {$2900.00} BEFORE my payment to the CRAs on the XX/XX/2023 and, XX/XX/2023 to XXXX and XXXX reporting agencies that effected my Utilization rate. I file a complaint XXXX XXXX regarding this repeated reporting. In their response to the complaint the company says and, I quote Navy Federal sends credit reporting information once per month within the week of the issuance of the account statement.

If I pay my account payment on the Due Date and, Statement Date why is the balance BEFORE the payment is reported and not the balance AFTER my payment. Navy Federal is not accurately reporting my account. If they can report to the reporting agencies the next day after the Billing cycle close, they can report my payment I made BEFORE the Billing Cycle close. This balance will be on my credit report for 30 days and this is unfair and, misleading of judgement to my character, and effects my ability to obtain credit. Such reporting effects the way lenders whom access my credit report. views me. I demand a correction to the reporting and my Utilization rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I heard wells Fargo was being charged with fraud again because of charging too much interest and extra fees so I decided to look at my statements and the interest doesnt match up month to month. I just want to make sure Im not being charged extra and if I qualify to be reimbursed.

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 2023-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Unauthorized credit inquiries being reported on my credit profile regardless of my confirmation that they were unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-05 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: IN

Complaint narrative:
Unauthorized credit inquiries being reported on my credit profile regardless of my confirmation that they were unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: NV

Complaint narrative:
This is the second time that I have had to do a police report because the credit bureaus keep allowing someone to open accounts in my name. I had my car stolen with all my personal info in it about 4 years ago and ever since then someone keeps doing this. I mailed everything the credit bureau asked me to mail to them as proof and they only took off one or two of the accounts not all of them. Also two of my credit cards are showing as more than 30 days late and they were not. I sent in receipts and my bank statement as proof they were paid on time and they are still showing late on my reports.

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 2023-02-05 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-02-05 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: CBC Companies, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 of information Any other adverse item of information other records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have complained to Chase XXXX XXXX Account # XXXX XXXX XXXX XXXX to take off {$5000.00} from XXXX XXXX on XX/XX/2022 because it was fraudulent. They keep telling me that it is a valid charge but it isnt. It is a scam and I reported them to the FTC and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: IL

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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-02-05 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: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct XXXX 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 2023-02-05 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: FL

Complaint narrative:
Submitted several letters to all XXXX credit bureaus to investigate inaccurate information and valid accounts. They continue to violate my privacy rights and laws by not doing so. I would like all negative account thats be report to be validated or removed.

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 2023-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
CREDITACPT is on my credit report under AUTOLOANS With a balance of XXXX and no further information. This does NOT show on my XXXX XXXX which also hinders me from keeping accurate track of my score. This has been affecting my score and I have had no knowledge of this. I have contacted this company and they have not answered multiple times. No CSRs have taken my call. I do not recognize this company nor balance. This is incorrect and needs to be removed. It is hindering me from purchasing a vehicle thru any dealership for they see this as a repossession in my name and that is not correct. I have never had a vehicle repossessed.

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 2023-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, Td Bank and I agreed to fixed Rate option interest rate on outstanding heloc of $ XXXX 4.99 % for XXXX. But instead charge me a higher rate of 6.89 % On XXXX XXXX, XXXX, a XXXX agreement was entered into between Td Bank and I to fix the same $ XXXX 4.99 % for XXXX yrs. 

On XX/XX/XXXX Td Bank fixed my entire balance of {$410.00}, XXXX 6.89 % ( this includes the {$260000.00}. 

The higher interest rate on of 6.89 % ( as oppose to 4.99 % ) is costing me over {$500.00} more per month in interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America wants me to send a copy of my ID and social security card over the mail along with my paperwork for my fraud case. I don't feel comfortable mailing those documents after someone already got a hold of my ssn.

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 2023-02-05 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: IL

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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-02-05 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: OH

Complaint narrative:
I am attaching additional information/documentation that highlight that XXXX XXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account. 

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not one account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the 30+ payments made to the account from the checking account ending in XXXX. 

This bank error caused my XXXX XXXX to drop by more than XXXX points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.

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 2023-02-05 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: OH

Complaint narrative:
I am attaching additional information/documentation that highlight that XXXX XXXXXXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account.

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not XXXX account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the XXXX payments made to the account from the checking account ending in XXXX. 

This bank error caused my XXXX XXXX to drop by more than XXXX points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am attaching additional information/documentation that highlight that XXXX XXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account. 

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not one account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the 30+ payments made to the account from the checking account ending in XXXX. 

This bank error caused my credit score to drop by more than 50 points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America unnecessarily charges bank fees every month if you don't make a direct deposit of {$250.00} every month. There is no law that states they have to charge you ANY fees just for simply opening up a bank account. Banks main powers and duties are to BORROW. If I'm the one that extended my credit to open up this account, I should not be getting charged any fees whatsoever for any reason. This has gotten completely out of control and it needs to stop. Due to them taking money out of my account unlawfully, they have put my account in the negative. It is literal robbery for them to take money out of my account and put it in the negative, and still then continue to charge every single month and put my account further in the negative if I don't make that quota. This is unconstitutional. And then, if I don't pay the fees that their charging, they will literally close my account. Bank of America is ridiculous!

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