vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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:
Good evening This notice and communication is to inform the consumer financial protection bureau XXXX XXXX XXXX  There is miss information being reported on my credit report by TransUnion There is a gas bill reporting as a collection from a 3rd party I have made several communications to remove this Incorrect account without TransUnion removing it. 

There's also a new collection on my account from a 3rd party collection agency that I do not have a contract with. 
I called for the immediate removal of all collections from 3rd party debt collectors on my credit profile thank you.

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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have had a most upsetting experience that is ongoing. I am XXXX years old and am concerned it may have something to do with my age. I do not have a large pension but have over XXXX XXXX in assets so am not at risk of defaulting on any debts. 

In XX/XX/2022, Chase Bank closed my checking account and cancelled my credit card. I never had an issue or late payment. There was no reason given and I was told I had no recourse. I spent a lot of money on that credit card. I paid it in full each month and never missed a payment. 

I have never been overdrawn. I pay off my credit cards in full monthly. The source of my income is my equities at XXXX. The transfers always were sent from my XXXX account directly to the bank. I am perplexed as to why this is happening and very concerned. The most frustrating thing about it is that they cant give me any explanation. 

Can you help me with this? I dont know who to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Equal Credit Opportunity Act ( ECOA ). These inaccuracies have caused significant financial harm to me, as well as unnecessary emotional distress. 

Firstly, my correct name is XXXX XXXX, but the credit bureaus are reporting it as XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

Secondly, the credit bureaus are reporting multiple inaccurate addresses that do not reflect my current address, including XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XX/XX/2022 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose all addresses that have been reported by furnishers of information within the past two years, but they must also identify the current address of the consumer based on information that is available to them. 

Furthermore, the credit bureaus are reporting incorrect employment information, listing my employer as XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, and XXXX XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

These inaccuracies have caused significant financial harm to me, as well as emotional distress. They have led to me being denied credit and higher interest rates, making it difficult to secure a loan for a new car, rent an apartment, and obtain credit cards with reasonable terms. 

Therefore, I request that the creditor remove these unverified accounts from my credit report and take appropriate actions to ensure that my credit report is accurate. I also request that you enforce the laws that have been violated, including the FCRA, FACTA, and ECOA, to prevent this from happening to me or anyone else in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: GA

Complaint narrative:
their charging a hospital bill wich it was paid by insurance and they said i had a diffrent insurance i send them copies of insurance cards and they said its not the right one and i also never recieved a bill from hospital

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 2023-04-13 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: CA

Complaint narrative:
15 U.S.C 1681s-2 ( a ) ( 1 ) The inquires listed below are unauthorized and inaccurate. I need these inquires removed from my credit report immediately. 

XX/XX/2022 XXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank )

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 2023-04-13 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: CO

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BTH Management
State: SC

Complaint narrative:
I received two phone calls from a collection agency called XXXX on XX/XX/ the call transcript from my voicemail is as follows : Hi good morning this message is for ____ not heal XXXX him I'm sorry I ___________________ wrong I a.m. XXXX I work with a company called XXXX am I do have a file here with your cash net USA account the client here is getting ready to move forward him and I need to speak with you immediately him before they do that I can be reached back here directly into my office eat XXXX they did not disclose they were a debt collector and any information obtained would be used for that purpose. This debt is time-barred. I am not sure why I am receiving calls on it and threats of next steps. I also received a generic call on XXXX  which states : " Uh Hello, this is XXXX with the offices of XXXX. This message is to inform you that your account has been placed in our office. Please contact us back at ( XXXX ) XXXX XXXX to try and get your account back in. Good standing. '' Again no collection disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
This is my second complaint with this company. The first complaint was done on XX/XX/XXXX and it was closed on XX/XX/XXXX stating that the TitleMax responded but they never did. I hit a financial hardship and I cant pay them anymore. In XXXX I was making $ XXXX $ XXXX  monthly payments for a {$2100.00} line of credit. As of XX/XX/XXXX I am no longer able to pay on the loan. I paid {$3100.00} on the loan so far and I still owe {$2800.00}. I was not aware that they were charging me over 180 % in interest, I never signed anything that showed the interest amount. This is my first time ever doing a line of credit with TitleMax, I usually would get a title loan that needs to be repaid within 30 days. The person at the office insisted I get the line of credit because Ill be saving more in fees. That was a lie I have been struggling to pay them and to keep my only barely working vehicle. In XXXX right before XXXX I had major car problems and the state of TN sent me a letter because I dont have car insurance and requesting I get it within 30 days. I was paying TitleMax so much money that I couldnt maintain car insurance or maintenance. I am a single mother and I home school my XXXX children. I am on section 8 and my title loan payments are more then my rent. I cant get my tags reinstated or get insurance on the vehicle because TitleMax said if I cant make a payment then I need to drop it off at their office and take a XXXX back home. I reached out to the General Manager and the Office Manager about working out a payment plan to stop the interest from getting so high. They said they spoke to the District Manager and he or she said there is nothing they can do for me and I need to pay the past due and start making monthly payments. I tried coming up with the money but I couldnt. I had to reschedule my son and Daughter Doctors appointments 3 times because of this and not being able to have up to date tags and insurance. This is frustrating and hard. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and TitleMax is making it hard for me to even do that. I need my vehicle I also need them to do something about this. I paid the loan off!! How am I still owing the same amount? I need my title and I will never go to them again. I will be sure to share my experience on their reviews everywhere! This was a trap. I even called them in XXXX to come get the vehicle thats when the manager told me to drop it off at their office. Here we are almost 2 months later and the interest and amount is steadily rising. They are scamming hard working families and dont have no remorse. My hours has decreased and Im barely making {$1200.00} a month. I can barely feed my family because I was paying TitleMax. They do not care. I still need to take my children for their Doctors appointment. This is insane that they can charge that much interest and for it to be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
When I contracted XXXX for home in XXXX ~ XX/XX/2023 the seller asked me if I want a table I said not i don't need it, then he mentioned is for free, I accepted to sent it over, after the first month of XXXX XXXX XXXX i received the invoice with account number XXXX i procced to paid in full, so after some time i received another invoice I thought is a mistake and a leave it, after like 4 months i continue paying the account XXXX but received another bill with like XXXX dlls i said why is like that i communicate with XXXX and asked what is happening the problem is the seller creates 2 account one for my XXXX home which i asked for and another for the table which is mobile with number XXXX, i told them i don't asked for that service then they offered some help to fix but they never did anything about. i am not walling to pay for something that i didnt ask and they sold me with lies. so the debt is with a collector and already impacted my credit score. 

This is the information about the Collector Credence Resource Management , LLC. 
with reference number XXXX. 
I have never being in contact with them why I own a bill to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: FL

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-13 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: MD

Complaint narrative:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be 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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I have already reached out to XXXX XXXX company on numerous occasions and each time they are rude or they hang up in my face and do no not help me at all. 




This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the XXXX or XXXX XXXX. I want these debts released from my name and this cleared. This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and XXXX and XXXX XXXX called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!

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 2023-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act, Capital One has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Hello, I am trying to close and account with PNC. I moved money out before closing the account. However, the day that i moved said money. PNC charged me an account maintenance fee. 

Please see below for the fee. 

XX/XX/2023 MONTHLY SERVICE CHARGE XXXX {$7.00} - {$7.00} Now PNC will not allow me to close the account unless I pay this fee. Which seems rather predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Several times spoke with agent online about the account and the status. Was making payments during the pandemic and they closed the account. Upon closing, they sold account to collection company. They then sent me a payoff amount. I later found that they are still reporting account as active and being late and with a high balance on my credit report. 

XX/XX/XXXX XXXX - XXXX XXXX L ( ChargeOff ) Alert from : Experian A Charge-off occurs when a creditor considers a debt to be 'uncollectable. ' Once a Charge-off is initiated, the unpaid debt is shifted to a non-receivable bad debt. From here, the creditor can either continue to report the entire amount as debt obliged to them or they may try to recoup some of the debt by selling it to a collections agency at a reduced price. Once sold, they must report the fact that the debtor no longer owes them a debt by updating their reporting to {$0.00}. However, the entire debt remains with the collection agency until paid. 

XX/XX/XXXX XXXX - XXXX Revolving Utilization Alert from : Experian You're using a high percentage of your available credit, which can hurt your scores. Keeping your debt usage under 30 % is best. Reduce debt usage by paying down your balance or increasing your limit by adding a new credit line with XXXX. 

XX/XX/XXXX XXXX - XXXX Revolving Utilization Alert from : Experian You're using a high percentage of your available credit, which can hurt your scores. Keeping your debt usage under 30 % is best. Reduce debt usage by paying down your balance or increasing your limit by adding a new credit line with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: OR

Complaint narrative:
Borrowed {$500.00}, from fineday loans, an online loan company., XX/XX/. XXXX understood payback terms. Called XXXX  several times before first payment was to be paid, XXXX XXXX. Difficulty understanding companys customer service people, and difficulty understanding the terms of the pay back terms.I was told that a {$110.00}, was due on the first month of the payback terms, XX/XX/. Talked to several different customer service people, and could not get an payback term I could understand. Was kept being told, I could pay back the whole amount borrowed, plus interest, that payment arrangements were very confusing for me. I paid them thru my bank account on XXXX XXXX, {$110.00}. Talked to their company today, and was told. {$220.00} paid to them on XX/XX/XXXX, and that on XXXX XXXX, my balance woujld b e {$460.00}, and than in XXXX, my balance would be $ XXXX. Was told if I paid {$110.00} a month for 12 months, i the loan would be paid off. So confused, and know that the interest is like a theft. Coujld I please get some help or undersgtandin g of this type of mess I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
Good evening This notice and communication is to inform the consumer financial protection bureau Add commercial world There is miss information being reported on my credit report by XXXX There is a gas bill reporting as a collection from a 3rd party I have made several communications to remove this Incorrect account without XXXX removing it. 

There's also a new collection on my account from a XXXX party collection agency that I do not have a contract with. 
I called for the immediate removal of all collections from XXXX party debt collectors on my credit profile thank you.

Company response to consumer: Closed with explanation