vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
The account is closed. Interest charges too high for closed account. Can interest rate at least be decreased on the charges? Trying to pay this off. Why will Chase not work with customer who is trying to pay off card?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: MA

Complaint narrative:
I received a small personal loan from XXXX, however they closed down and I got a surprising email referring me to SST? I get about 10 calls a day at random times of the day. I can not access my online account or any specific information regarding SST, which is why I have not been paying to them. I chose XXXX because they wouldn't impact my credit score and there wasn't significant interest. I am feeling stuck on what to do and am not getting answers from SST.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX This was a timeshare that I got cancelled and terminated in XXXX of 2024. The contract stated that all money that was borrowed would be returned to the banks that lent it to me. For some reason this is still reporting on my credit report when its an account that is not only closed, but was meant to never exist there as I was scammed into this and it has been documented as such.

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 2025-02-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX This was a timeshare that I got cancelled and terminated in XXXX of 2024. The contract stated that all money that was borrowed would be returned to the banks that lent it to me. For some reason this is still reporting on my credit report when its an account that is not only closed, but was meant to never exist there as I was scammed into this and it has been documented as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: AZ

Complaint narrative:
I signed my loan contract with the understanding that it will be at 13.99 % with the original company XXXX. I was then sent communications that XXXX is going out of business and that SST is taking over the debt. And that I would be paying SST directly. When I checked my online portal I saw that my interest rate went from 13.99 % to 23.49 %. This is fraud. How can they just raise my rate just because they bought the debt from a now-defunct company ( XXXX ). I need them to honor the original contract. 

XXXX was supposed to be a lower interest rate than my credit cards to help pay them off quicker. By SST raising the interest rate that is no longer the case. I am now more in debt due to the interest rate change. 

Fyi, I no longer have access to my files/documents since XXXX no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: NV

Complaint narrative:
I file complain agaist the following company : LoanCare Attn : Credit Bureau Dispute XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX In the past two months we have wrote to the above company three times to ask to remove the XXXX status from our credit report, relating to the 30-day late payment in XX/XX/year>. The XXXX status is blocking my and my familys ability to be able to be approved for any other loans, which is why Im making this request. 
We had scheduled automatic payments from our bank XXXX to Loancare and I also submitted the XXXX statement to prove that XXXX made the XX/XX/year> payment to loancare. 
We have over XXXX mortgage and car loans, we do schedule auto payments with XXXX for all the payments. Loancare is the only company giving us problems and demage our credit. There could be communication errors. We did not realize there was an issue with a late payment until I had a loan application suddenly declined around XX/XX/year>. 
To eliminate any other such issues happen again we have scheduled automatic payment directly through Loancare system.

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Ban of America is claiming that I or someone I knew authorized these transactions but its not true I dont need to remove my hair using laser I am a male

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 2025-02-08 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: VA

Complaint narrative:
I filed for XXXX XXXX XXXX. My XXXX XXXX were included in the bankruptcy filing however XXXX is still reporting them to Equifax as open. They were held by XXXX at the time of the bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed to remove these fraudulent addresses XXXX times in XXXX  and Transunion continue to show fraudulent these addresses on my credit report : XXXX XXXX XXXX Apt XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please remove these fraudulent addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting ActI

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 2025-02-08 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: NJ

Complaint narrative:
I am formally disputing the inaccurate reporting of certain accounts on my credit report that were legally discharged in my XXXX XXXX  bankruptcy case XXXX ], which was filed on XX/XX/year> ] and discharged on XX/XX/year>. The following accounts are still being reported incorrectly, in violation of federal law, and must be removed from my credit report immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations & Grounds for Immediate Removal Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Reporting debts that have been legally discharged as past due, charged-off, or with a balance is a clear violation of this law.

Furthermore, under 11 U.S.C. 524 ( a ) ( 2 ) of the Bankruptcy Code, a bankruptcy discharge operates as a permanent injunction against any attempt to collect, report, or enforce discharged debts. This includes the continued reporting of these accounts as active, collectible, or delinquent. Failure to correct these errors constitutes willful noncompliance, which may result in legal liability under 15 U.S.C. 1681n and 1681o.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: PA

Complaint narrative:
Two inquiries are being reported that should be not on my XXXX consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
XXXX XXXX  XXXX ( collection agency ) posted a collection account to my credit report XX/XX/XXXX. I immediately disputed this account with XXXX and requested a debt verification. This debt collector is using account information that no longer exists ( Original Creditor : XXXX XXXX Account # XXXX ) as it was paid in full XX/XX/XXXX with another collection agency Convergent Outsourcing Inc. After paying the amount of {$320.00} with Convergent Outsourcing Inc . I contacted the original creditor XXXX XXXX to verify debt was paid and no further charges were owed. XXXX had no knowledge or records of any debts in my name under the above account #. This collection account with Convergent Outsourcing was eventually removed from my credit report after disputing with credit bureaus back in the year XXXX. Now this account information was sold to XXXX XXXX  XXXX and they have re-reported this collection account again to my credit report basically exploiting the credit bureaus in an attempt to coerce me into paying more money using this kind of aggressive collection strategy. I have submitted proof of this fraud to XXXX in an attempt to have this removed from my credit report. These kind of scammers should'nt be able to so easily report false / stolen/ " sold '' information to credit bureaus. Not only did I pay {$320.00} to a collection company for a debt that never existed it is also being " sold '' and re-reported to credit bureaus further affecting my credit worthiness. These kind of situations can be incredibly difficult to remove from my credit as a lot of this information can last for up to 7 years and require a lot of time communicating with all of the bureaus invloved trying to clear my name of debt that isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint concerning the handling of my dispute related to the XXXX XXXX XXXX account reported on my credit report. Despite my efforts to resolve inaccuracies, the dispute results with Experian were unsatisfactory. 

Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Closed, {$470.00} written off Balance : {$0.00} ( Updated XX/XX/XXXX ) Terms : 11 Months Dispute Summary : I initiated a dispute to have the charge-off notation removed or updated to a more favorable status, as the balance was settled. However, the outcome did not reflect the accurate status of the account.

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian claims that a score decreased instead of increasing, which is innaccurate

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
I noticed an inaccurate late payment listed on my credit report for XXXX, XXXX XXXX and Possible Financial Inc.. The late payment for XXXX, XXXX is listed as occurring on XX/XX/year>, but the dates are incorrect. Based on my payment history, I should not be in the late payment zone. I have consistently made timely payments, and this entry does not accurately reflect my account status. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, and this late payment does not accurately reflect my history. Furthermore, under 15 U.S.C. 1681e ( b ), creditors and credit reporting agencies must maintain and report accurate information, and failure to do so is preventing me from obtaining credit, which is a violation of my rights. 



Additionally, Possible Financial Inc. 's account was paid off in full before XX/XX/year>, and should not be listed as delinquent or carry any negative payment history. The fact that it is still showing as delinquent clearly violates my rights under the FCRA, which mandates that all reported information be accurate and verifiable. I request that the inaccurate late payment for Possible Financial Inc. be removed and my account be updated to reflect the correct status. 


I respectfully request that both of these inaccuracies be corrected, and my account statuses be updated accordingly. I would also like to remind the companies involved of their obligations under the Fair Debt Collection Practices Act ( FDCPA ) to report accurate information and ensure the integrity of my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX I messaged Chase Bank about the due date on my mortgage account. When I went to make my payment for XXXX, I noticed that the due date was for XX/XX/XXXX. I received a message stating we never paid for XXXX. This is false, we paid on XX/XX/XXXX. I replied and broke down the last year of payments showing that we have never missed a payment. The Chase agent then proceeded to tell me that they incorrectly applied {$850.00} in XX/XX/XXXX and then again in XX/XX/XXXX to the principal amount instead of to our mortgage payment. Thus causing us to be a month behind and cause ~ {$600.00} in late fees. They told me that they cant fix it and I just need to pay 2 mortgage payments this month. I tried fighting this since it was their fault. I have since paid one mortgage payment and tried to contact them again. About every 4 days I get a generic message saying they are still working on it. However, now they have placed us as delinquent and this has dropped our credit significantly. I want this resolved, the money credited to our account, and the delinquency status erased and my credit fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/2025, I went to my local PNC bank located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX to make a cash withdrawal of {$3800.00}. The teller informed me that they did not have that amount of cash on hand. They offered to write me a cashier 's check to myself. They also told me I could take the cashier 's check to a different bank to have it cashed for a small fee. They denied my cash withdrawal and I left the bank without any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America reported a past due balance without previously informing me of the past due balance. They do not mail me account statements and revoked/refuse to grant me a access to my online account and app so monitor any balances myself ( coercing me into an past due balance that I was uninformed about ). I only learned of the past due balance once it was reported to the credit bureaus and cured it same day. I disputed the adverse reporting and the bank refuses to remove it from my reporting though they failed to properly validate debt. This occurred during a car purchase and I now have a much higher auto loan interest rate and payments plus mutliple credit inquires as I struggled to obtain credit due to this malicious reporting. Bank of America 's failure to oblige by the FCRA has resulted in immense monetary damages and a XXXX point dip in my credit score that they refuse to rectify.

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