vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
NAME

: XXXX XXXX XXXX ACCOUNT # : XXXX ACCESS # : XXXX SUBJECT : UNRESOLVED NFCU UNETHICAL PRACTICES ( RECURRING ISSUES AND OVERDRAFT FEES ) To Authorized Rep, I am writing to file another complaint against Navy Federal Credit Union ( NFCU ) regarding ongoing issues with unethical practices and recurring problems. This complaint is related to the issues previously raised in my complaint submitted on XX/XX/XXXX, with complaint IDs : ( CFPB ) XXXX, ( CFPB ) XXXX, as well as the subsequent complaint on XX/XX/XXXX with complaint IDs : ( CFPB ) XXXX ( Latest ), ( CFPB ) XXXX, and ( CFPB ) XXXX. On XX/XX/XXXX, I encountered yet another instance of NFCU 's unethical practices. A transaction of {$79.00} that began pending on XX/XX/XXXX was unexpectedly posted the same day instead of the expected posting day of XX/XX/XXXX. This premature posting resulted in a negative balance of - {$86.00}, leading to an Overdraft fee of {$20.00} being posted at the end of the day on XX/XX/XXXX. Furthermore, the negative balance included more instances of NFCU abusing the timing of transaction postings to auto-apply fees. These instances totaled an accumulative amount of over {$80.00} in fees applied on earlier dates within the statement cycle ( XXXX XXXX XXXX XXXX XXXX  ). The wrongful timing of the posted transaction and the accumulation of fees exacerbated the negative balance, preventing me from avoiding additional fees. Additionally, an adjustment credit for the referenced fees was applied and posted on XX/XX/XXXX, totaling {$40.00}. However, had this credit been applied on the correct date, XX/XX/XXXX, as it should have been, I would have avoided further fees entirely. As a resolution to this complaint, I am demanding a full refund and immediate adjustment of ALL fees on ALL accounts applicable from the dates of XX/XX/XXXX through today ( XX/XX/XXXX). I have attached documentation supporting my claims, including screenshots of transactions, correspondence with NFCU, and evidence of the unethical practices. I appreciate your attention to this matter and request your intervention to ensure that NFCU addresses these issues promptly and appropriately. Sincerely,

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was about to purchase a XXXX XXXXXXXX XXXX and I wasn't happy with the deal or the interest. They became very aggressive & unprofessional at the end and I left with out signing the last document of sale. They proceeded to run over 8 hard inquiries to damage my credit score. The dealer ship name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX once you take a look at the 1 star reviews you will see a pattern of aggressive abusive behavior.

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 2024-04-07 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: TX

Complaint narrative:
An incorrect account information has been discovered on my credit report. This incorrect information is being reported for XXXX by the 3 Credit Reporting Agencies , TransUnion, XXXX, and XXXX. Below are the incorrect account status as reported by the agencies. 

Last Verified : XX/XX/XXXX ( TransUnion ), No date ( XXXX ), No date ( XXXX ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), -- ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Closed : XX/XX/XXXX I have requested a Reinvestigation for the inaccuracy to this information reported by TransUnion, XXXX and XXXX but none of these companies has responded with absolutely certainty of the accuracy of these information.

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 2024-04-07 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: TX

Complaint narrative:
An incorrect account information has been discovered on my credit report. This incorrect information is being reported for XXXX by the 3 Credit Reporting Agencies , XXXX, XXXX, and Equifax. Below are the incorrect account status as reported by the agencies. 

Last Verified : XX/XX/XXXX ( XXXX ), No date ( XXXX ), No date ( Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), -- ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Closed : XX/XX/XXXX I have requested a Reinvestigation for the inaccuracy to this information reported by XXXX, XXXX and Equifax but none of these companies has responded with absolutely certainty of the accuracy of these information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: TX

Complaint narrative:
An incorrect account information has been discovered on my credit report. This incorrect information is being reported for XXXX by the 3 Credit Reporting XXXX XXXX XXXX, Experian, and XXXX. Below are the incorrect account status as reported by the agencies. 

Last Verified : XX/XX/XXXX ( XXXX ), No date ( Experian ), No date ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), -- ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Closed : XX/XX/XXXX I have requested a Reinvestigation for the inaccuracy to this information reported by XXXX, Experian and XXXX but none of these companies has responded with absolutely certainty of the accuracy of these information.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-07 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
To many collections from collectors

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 2024-04-07 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: FL

Complaint narrative:
I have some late payment reports in the XXXX XXXX XXXX XXXX account XXXX, please I need you to update my payments on time or else delete those unfairly late payments from my history, thank you very much

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Dear CFPB, I've financed my XXXX  XXXX with Comenity Capital Bank, they gave me a card called Alphaeon Credit. 

On XX/XX/2024, I've paid my account balance in full with USD XXXX. After I've paid my balance and it's been confirmed on their website, I called in to close my account. The representative said he closed my account. However, I never got a confirmation for closing my account, instead, in XXXX, I got a statement saying I have a balance of USD XXXX ( with a previous balance of XXXXXXXX XXXX fee charged of XXXX ). 

So I called them again, telling them they charged me another balance and fee with a total amount of USD XXXX, based on a XXXX balance in XXXX, and after I called in to close my account. So I disputed this balance, and told them to close my account again, the representative said yes, she closed my account. But still, I never got a confirmation for closing my account, and I keep receiving statement of charges or transactions I never made since I already cut my card in XXXX after I paid the balance. 

I really need this bank to stop charging fees that I've never made, and CLOSE my account as it's affecting my credit scores. I will need a full confirmation saying my account is fully closed and I don't want to have anything to do with this bank ever again. 
Please help me if you can! Thank you so much! 

Best, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: FL

Complaint narrative:
I have some late payment reports in the XXXX XXXX XXXX XXXX account XXXX, please I need you to update my payments on time or else delete those unfairly late payments from my history, thank you very much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Arrived at branch at XXXX XXXX  and was denied cash advance request. 
Teller said that was closed.

Needed cash to pay for health care 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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I would like to file a complaint regarding entries on my credit report which is a violation of FCRA 1681i and 1681n : " # # # Relationship and Comparison with 1681i and 1681n 1681e ( b ) is closely related to 1681i as both sections deal with the accuracy of credit reporting. However, 1681e ( b ) is more about the general obligation of consumer reporting agencies to ensure accuracy in their reporting procedures, while 1681i provides specific steps for handling disputes over inaccuracies. On the other hand, 1681n can be seen as a broader enforcement mechanism that applies to violations of any FCRA requirements, including the accuracy standards set forth in 1681e ( b ) and the dispute resolution procedures in 1681i. Essentially, 1681e ( b ) sets the accuracy standard, 1681i provides a process for contesting inaccuracies, and 1681n offers a remedy for willful failure to comply with these and other requirements. '' Capital One is reporting different amounts with XXXX reporting agencies ( XXXX, XXXX, and XXXX ) which is having a negative impact on my credit. I have tried to get this resolved with the company without success. As a result, I would like to have this account removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
The creditor Fortiva stated that I had a XXXX late payment with them. According to my agreement my payments don't begin until XX/XX/2024. The made this claim on XX/XX/2024. 
I know this to be a false statemen that has had a great impact on my credit. I have a great credit history with making payments and paying on time. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 states Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

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 2024-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
I have had an issue with American Credit Acceptance with the way they have handled my situation and have never tried to give me any answers. 

I had saved up the total i needed to pay of my car and i called to make the final payment. I spoke to a lovely lady who told me congratulations and etc. so i waited, waited waited, my title never arrived. 

I called back a few weeks later to check the status and they told me that I still owe them {$3000.00} before they can send me any information. 

I feel this is very Shady and I would love to have someone look into it. I asked for documents for my payment history and I was met with attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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 2024-04-07 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
This debt was added to my credit report

Company response to consumer: Closed with non-monetary relief