vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As of XX/XX/23 this morning I checked my account to see why my funds have not transferred from one account to another. Chase placed a hold on a XXXX check, then cleared the account then two days later closed the account as they said it was restricted for 10 days with no warning. They also canceled money transfers to cover checks written and charged me multiple 34 nsf fees and then canceled my transfers. They also kept my XXXX. Been on phones all day missing work to get this corrected. They keep giving me excuses and Im extremely stressed and concerned. No warnings, no calls, just closed account and kept money. Been on phone for hours and they keep telling they are trying to reopen the account after I told them Im calling the police to file fraud against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding a XXXX XXXX revolving account, which was previously removed and has now reappeared without my consent or knowledge. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit. 

Furthermore, as per 15 USC 1681b ( 1 ), credit bureaus are required to obtain written permission from consumers before reporting their information. I have not provided such permission for the XXXX XXXX XXXX XXXX ( Revolving ) account to be reported, and yet you have included it in my credit report, which is a clear violation of this law. 

I also want to highlight that I have the right to privacy, which has been completely disregarded by your organization. According to 15 USC 1681, I have the right to have accurate and private information reported about me, and this right has been violated due to your inaccurate reporting. 

In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with the XXXX XXXX XXXX XXXX ( Revolving ) account and remove the freeze alert. I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, 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 2023-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Here is brief summary of main events coverings my car lease experience, wrongful automated system generatedrepossession order, report to credit bureaus and collection calls by NMAC agents : 1. On XX/XX/XXXX, Nissan XXXX  XXXX dealership paid off the car I had leased from them in full by mistake so my Nissan Motor Acceptance Corporation " NMAC " car lease account was closed ... no futher payments could be made. 

2. Dealership went to arbitration to correct it and have my NMAC lease account reopened. 

3. I filled a complaint against the dealership with NCDOJ and XXXX but the dealership did not respond to either of them. 

4. Dealership executive manager accepted their error in XX/XX/XXXX and agreed : - to make my car payments for XX/XX/XXXX and XX/XX/XXXX when NMAC reopens my lease account - to an additional refund of {$680.00} 5. No contacts were made by NMAC or the dealership with me ... no bills, explaination, notifications about a closed ornew account, warnings, repossession notice, etc. 

6. XXXX XXXX, NMAC opened a new lease account for the same car ( my prior account was still closed ), but did not inform me. 

7. On XX/XX/XXXX, I checked my NMAC account and found they had created a new account for the same car ... I checked my account status several times a week, and occationally, kept screen shots for my records. 

8. I attempted to make a payment via NMAC online app but it was rejected ... account not found. it appears the new account was not ready/fully functional to accept payments! 

9. On XX/XX/XXXX, I decided to make a payment via my own bank to my new NMAC account instead. 

10. On XXXX, XXXX, I received a call from NMAC to inform me that they had initiated to repossess my car as I had not made any payments for more than 91 days! 

11. The general manger of the dealership was also on the call so he attempted to make a payment while we were on the call ( via moneygram - as the only available option according to the NMAC agent ). The payment was not accepted as the new account was not found. 

12. The NMAC agent noticed the problem but said he could not stop the system generated automatic repossession untillMonday, XX/XX/XXXX. The agent also stated that my car may be repossessed over the weekend since the repossession order has already been sent out and reported to credit bureaus! 

I have now made all of my car lease payments, even up to XX/XX/XXXX, via my bank account. 

For the records, I understand thatNMAC had recently ( in XXXX ), paid $ XXXX in fines and agreed to submit a plan for CFPB approval that outlines how it will overhaul internal checks on repossessions, identify future wrongful repossessions and improve board oversight ... clearly they still have issues with their account opening and automated repossession system and procedures that should have been addressed by their compliance department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: IN

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX child support froze my checking saving brokerage account do to non payment, unemployment wasnt sending out my payments.. I spoke with child support agency and paid what was owed, child support send out letter On XX/XX/2023 to bank and I, stating to terminate restraining notice and execution as you can see.. i recieved the letter Monday XXXX XXXX .. be calling calling and dont get know where.. I do need my funds to pay my bills please help

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 2023-03-28 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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe someone is using my credit file. I've been unable to access my credit file nor my credit score. I've been experiencing this issue for quite some time now ( almost 8 months ). I've tried myself to contact all three credit bureaus and all have informed me that they can't access my file using the identity measures they have in place. I am very concerned and need this problem resolved 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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have lived with groups of friends in XXXX XXXX  and XXXX  XXXX  and I been seeing debts on my credit report that doesnt belong to me. Hard inquiries And I have tried filed disputes and still nothing seems to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not provide the credit reporting agencies with written permission to report any of these accounts listed and I am requesting the removal of these accounts from my credit reports. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ). 

By definition a credit card is described in 15 U.S Code 1602 ( I ), my SSN, ID, Etc is a credit card by definition. I did not provide any of the listed companies with consent to share my credit card information ( ID, SSN, etc ) with another entity i.e the credit reporting agencies. This is a violation of 15 U.S code 1681s-2

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/XXXX, my bank ledger balance showed {$73.00}. One online charge of {$50.00} came in and became, 'Pending ' debit, and Bank after reducing the ledger balance without paying, charged {$37.00} fee for OD. I do not have OD protection. My balance was {$23.00} ( after {$50.00} deduction ) at the time, and when I made a purchase of {$8.00} for food, it created a negative balance due to {$37.00} fee applied. 
Bank uses this accounting method. Whenever a debit or credit card is used at the store, it shows up on bank current activities as " Pending '' and reduces the ledger balance by the amount without making any transfer to third party, and identifies as 'Available Balance. '' If another payment also shows up at the poinXXXX of transaction, then bank uses available balance and ( not the ledger balance ), without paying, and creates a negative balance. Then it slaps OD penalty and reduces the ledger balance further down and then the domino effects begins. 
The {$8.00} charge had enough ledger balance to cover that amount, but {$37.00} fee applied, reduced the balance to a negative amount and after that all fees piled up. My daughter made a deposit transfer via XXXX of {$150.00}. Another deposit of cash XXXX {$350.00}. made on XX/XX/XXXX, also got wiped out, and then my Cable company prematurely, sent a charge of {$240.00}, and that too became a pending payment when balance was {$300.00}. XXXXXXXX XXXX  slapped {$220.00} fee at the same time as a pending Item along with the other charges that had incurred but not yet paid. 
When payments actually were paid on XX/XX/2022, bank first applied fees, reduced the balance again, and generated more fees to a total of {$390.00}. How can bank reduce ledger balance by charges that are not yet even payable? Which Generally Acceptable Accounting Principle is in play here? No contingent liabilities were created as bank had no obligations to pay, If balance is not covering the amount at the point of purchase. The transaction is void at the merchant 's cash register if the bank declines payment due to less funds. FNB bank has no business causing that transaction to be posted as pending, and slap fees when I did not sign up for OD coverage. I believe this is a creative way of forcing negative balances on paper, and charging fees, and deducting them before applying any deposit, as done in my case. I do not have OD arrangement with bank and did not ask them cover my charges if any.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023, Equifax reported a medical debt of {$120.00} from a medical collection agency called XXXX XXXX on my credit report from XXXX XXXX XXXX and I live in California. This was immediately disputed, as it violates the new law prohibiting medical debt under {$500.00} to be reported to a credit bureau and it was paid by health insurance. Equifax should not be allowing medical collection agencies to report any medical debt whatsoever under {$500.00} as per the U.S. Congress Medical Debt Relief Act of 2023. They are violating the provisions congress put in place to protect consumers. I disputed this with Equifax electronically and verbally twice. The information has not been removed from my file and they said it may take them several months to delete medical debt from all consumers credit files. This is unacceptable and they should be removing this type of information immediately when it is brought to their attention to protect consumers,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: LA

Complaint narrative:
I am writing to dispute the accuracy of the information on my credit report. Specifically, there are several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) that have negatively impacted my credit score and my life. 

Firstly, with regards to my account with XXXX XXXX # XXXX, there are discrepancies between the reporting of XXXX XXXX and XXXX. While XXXX XXXX recorded a monthly payment of {$0.00}, XXXX and Equifax did not. Additionally, XXXX XXXX reported a late payment on this account, despite the fact that I have never missed a payment. These errors are in violation of Section 1681s-2 ( a ) of the FCRA, which requires creditors to provide accurate and complete information to credit reporting agencies. 

Furthermore, there are inconsistencies in the reporting of the last reported date and last active date for this account across different bureaus. This is a violation of Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

XXXX account, XXXX. I have never received any notification from XXXX regarding this charge-off account, and they have failed to provide me with any paperwork related to the charge-off. Additionally, the other two bureaus have not reported any negative information on this account. 

The inaccurate and incomplete information reported by XXXX has had a severe impact on my life. It has made it difficult for me to obtain credit, and I have been denied credit on numerous occasions due to this inaccurate information. I have been forced to pay higher interest rates on credit cards and loans, which has resulted in significant financial hardship for me and my family. 

I believe that XXXX has violated the FCRA, specifically sections 1681s-2 ( a ), 1681i ( a ), and 1681e ( b ), by failing to provide accurate and complete information, failing to notify me properly of the charge-off status, and failing to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

Furthermore, I believe that XXXX 's actions constitute unfair, deceptive, or abusive acts or practices, in violation of Section 1036 of the CFPA. 

Therefore, I am requesting that XXXX remove this unverified collection account from my credit report immediately. I would appreciate your prompt attention to this matter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was effected by XXXX XXXX - hospitalized. This account was paid in full and occurred interest charges that we added to account during hospitalization

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have lived with groups of friends in XXXX XXXX and XXXX XXXX  and I been seeing debts on my credit report that doesnt belong to me. Hard inquiries And I have tried filed disputes and still nothing seems to work.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have lived with groups of friends in XXXX XXXX and XXXX  XXXX  and I been seeing debts on my credit report that doesnt belong to me. Hard inquiries And I have tried filed disputes and still nothing seems to work.

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 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
When we bought a new home in XXXX all of our credit cards were paid off. In XXXX we were contacted by a law firm called XXXX XXXX XXXX informing us that we had an out standing balance with Target in the amount of {$7000.00}. At the time we re taking care an elderly parent and I wasn't working so I made arrangements to make payments of {$290.00} a month until paid off and never thought about it again. In XX/XX/XXXX I was contacted again by the same firm saying we owed Target XXXX and they would accept a settlement amount of {$10000.00}. I told them that the debt had been paid off and again I tried to make payment arrangements. I gave them {$5400.00} and agreed to pay {$1300.00} until paid off I made a payment in XXXX of {$1300.00} then I stopped payment in XXXX of any further payments. I received a letter today stating that I still owe {$14000.00}. This is getting ridiculous, they keep refiling the same renewal of judgement dated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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