vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc. sent a letter to my address on XX/XX/2022. I received the letter on XX/XX/2022. 
TSI called me on Thursday, XX/XX/2022, to inform me that they would be garnishing my wages if I did not pay this debt in full. They informed me that the debt was to the Department of the Treasury. When I inquired the nature of the debt to the Department of the Treasury, they did not elaborate other than to inform me that non-payment would result in serious consequences such as wage garnishment. They informed me that they would do this in XXXX. This is confirmed on the letter that I received the next day. I asked repeatedly for an itemized list of the debt, the nature of the debt, the interest, fees, services, goods, materials, and/or any item that would help me identify which department in the government I owed that eventually made it to the Department of the Treasury. I requested any information for what I was being charged. They could not provide any additional information. I informed them that the Department of Veteran 's Affairs typically charges me throughout the year for medical services and they take it from my tax refund, which I was fully aware and willing to accept. However, the representative only repeated that they would be garnishing my wages. I again asked, what items will my wages be garnished to pay as a debt. They again could not answer. Their letter states that I have until XX/XX/2022 to dispute the debt or they will garnish my wages to pay the debt. My rights are being violated by Transworld Systems Inc. that has no respect for veterans and should not be allowed to collect debts for the Department of the Treasury in any regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: MI

Complaint narrative:
I have sent Im previous complaint letters and dispute XXXX accounts and my request were ignored and placed as accurate. They are fraudulent accounts not opened by me. I have a police report number also and nothing should be listed on my credit report without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX for {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXor {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022 I requested a pre-qualification that was not supposed to affect my credit. When I later checked my Experian report, I saw an inquiry. There was supposed to be no inquiry per their website.

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 2022-10-16 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: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
On XX/XX/2022 I requested a pre-qualification that was not supposed to affect my credit. When I later checked my XXXX report, I saw an inquiry. There was supposed to be no inquiry per their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: AZ

Complaint narrative:
Equifax, and XXXX have continuously violated the FCRA laws by reporting inaccurate, incomplete and unverified information on my credit report. This has resulted in adverse action against me from creditors. 

I have disputed their information since XXXX with proof and copies of my credit report with discrepancies noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I am responding back to the Citizen XXXX response. After I made my complaint with CFPB XX/XX/XXXX. XXXX from Citizen XXXX called me on XX/XX/XXXX at XXXX XXXX  She stated she would invesigate and call me back. XXXX never called me back. I just received a response letter post dated XX/XX/XXXX. I paid {$25.00} less on my first payment because I was tild to do so by a Citizen XXXX  representative on the first call. I was given a credit by XXXX 's company for XXXX Monday the day I purchased the television. I also had returened a pair if earrings to XXXX 's during the first 30 days of finally receiving them to my home. I have asked for an investigation since XX/XX/XXXX and obviously have been brushed to the side. I have requested apayoff to prevent continuous interest buildup. The procrastination of the Citizen XXXX representatives is causing me interst. The same interst that that XXXX the representative is saying I owe. This is my third complaint about Citizen XXXX. I requested an investigation of the calls made to the company on XXXX XX/XX/XXXX. I spoke with a representative about my payments were beyond the payment installment schedule. That representative told me that there would be one more payment coming out of my bank in XX/XX/XXXX ( a television from XXXX 'S department store ). I requested to make the payment & pay the television off during the XX/XX/XXXX conversation. I was told by the said representative that two accounts were listed, I said I was about to finish an installment for the television & had just purchased a laptop. There were two interest rates & it was being charged for the higher interest rate instead of separate purchases. The previous supervisors that I spoke to on XX/XX/XXXX ( XXXX ) saw this as well. She stated she would call back and never did as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A Payment was made in the amount of {$75.00} on XX/XX/2022 and a late payment fee was charged on XXXX XXXX XXXX Payment was made on time and they still charged a {$40.00} fee?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16 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: MI

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of account. These XXXX accounts were listed without my knowledge, permission. 

Both accounts are closed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8400.00}

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 2022-10-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXXXXXX XXXX. I did however work for XXXXXXXX XXXX  which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.

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 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I keep getting interest charges even when I pay my statements balance in full by the due date. I called and discussed with the company and was told that I carried a balance. I took screenshots from the Citi app this month since I continue to be charged to show my payment making final statement balance of {$2000.00} and then {$0.00} owed by due date yet I was charged interest XXXX. I am asked for this to be corrected along with a review of other interest charges for this year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am requesting Experian update your records by removing an old address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX and only reflect my current address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Current Address. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I request you to provide accurate Address information. I am entitled to accurate reporting information. 
Fair and Accurate Credit Transactions Act of 2003 ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Reporting incorrect/inaccurate information-Inaccurate Address 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 explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I opened an online Checking Account with Chime in XXXX, 2019 and in XXXX, 2019 I opened a XXXX XXXX Account. Every month I was missing money from my accounts. Every month I couldn't get my account balanced. In my bank online Bank XXXX, the Account Summary never was filled in completely and it never even balanced with my Account Transaction Histories. I had to use my receipts to check my Account XXXX Histories, which were correct, but the Account Summaries never were, and that's the information the computer gave as my balances in my accounts! 

Every month I reported this to Chime. 
Every month Chime 's customer service told me in emails and on the phone that they would look into it. Everytime I would followup on my complaints, I always got another person and I would have to explain all of it again, and again ... Every month I complained about that, too. Everybody was always going to " ... look into it ''. Then, after I opened my XXXX XXXX Account, I started missing money from it, too! I thought by opening that account I could just stash more of my money in that account instead of leaving it in my Checking Account, where I was missing money all the time. However, the same thing happened in my XXXX XXXX Account, too, and I was missing money and I couldn't get that account balanced either for the same reasons. Every month the problems escalated. Then, Chime locked my account and I didn't have access to my money and direct deposits were being sent back to the depositors, etc., creating even more problems for me when I had bills to pay, too. I was told my complaints were escalated and that the customer representatives escalated my complaints XXXX sent them to their XXXX XXXX in California. I never git contacted by anyone from California! I asked Chime to close my account. 

They finally did but it's been 8 months now and I still haven't been compensated for my missing money, which their employees computed to be {$12000.00} through when my account ended, nor did Chime send me my money from both of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: LA

Complaint narrative:
There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXX XXXX. I did however work for XXXXXXXX XXXX which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXX XXXX. I did however work for XXXX XXXX which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Learn more about your major rights under the FCRA. 

CLEARLY STATES IN THE WEBSITE THAT FCRA PROMOTES ACCURACY, FAIRNESS AND PRIVACY OF INFORMATION IN THE FILES OF CONSUMER REPORTING AGENCIES!! IF YOU CHECK MY CREDIT REPORT THERES NOTHING ACCURATE ABOUT IT!! DATES ARE INCONSISTENT, AMOUNTS ARE INCONSISTENT ..THEY HAVE BEEN RESPONDING THAT ITS ACCURATE IM WONDERING WHAT ARE THEY INVESTIGATING, ITS NOT MY REPORT BECAUSE MINES IS FULL OF ERRORS!! AND IVE PROVIDED EVIDENCE .... PLEASE LOOK MY REPORT AND DECIDED WHAT YOU SEE!! IM TIRED OF GOING BACK AND FORTH AND NOTHING GETS DONE!!

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 2022-10-16 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In accordance with the federal reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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:
Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Learn more about your major rights under the FCRA. 

CLEARLY STATES IN THE WEBSITE THAT FCRA PROMOTES ACCURACY, FAIRNESS AND PRIVACY OF INFORMATION IN THE FILES OF CONSUMER REPORTING AGENCIES!! IF YOU CHECK MY CREDIT REPORT THERES NOTHING ACCURATE ABOUT IT!! DATES ARE INCONSISTENT, AMOUNTS ARE INCONSISTENT ..THEY HAVE BEEN RESPONDING THAT ITS ACCURATE IM WONDERING WHAT ARE THEY INVESTIGATING, ITS NOT MY REPORT BECAUSE MINES IS FULL OF ERRORS!! AND IVE PROVIDED EVIDENCE .... PLEASE LOOK MY REPORT AND DECIDED WHAT YOU SEE!! IM TIRED OF GOING BACK AND FORTH AND NOTHING GETS DONE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Learn more about your major rights under the FCRA. 

CLEARLY STATES IN THE WEBSITE THAT FCRA PROMOTES ACCURACY, FAIRNESS AND PRIVACY OF INFORMATION IN THE FILES OF CONSUMER REPORTING AGENCIES!! IF YOU CHECK MY CREDIT REPORT THERES NOTHING ACCURATE ABOUT IT!! DATES ARE INCONSISTENT, AMOUNTS ARE INCONSISTENT ..THEY HAVE BEEN RESPONDING THAT ITS ACCURATE IM WONDERING WHAT ARE THEY INVESTIGATING, ITS NOT MY REPORT BECAUSE MINES IS FULL OF ERRORS!! AND IVE PROVIDED EVIDENCE .... PLEASE LOOK MY REPORT AND DECIDED WHAT YOU SEE!! IM TIRED OF GOING BACK AND FORTH AND NOTHING GETS DONE!!

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CFPB : ALL IM SAYING IS IF THERE'S CLEARLY INACCURATE DATES BETWEEN XXXX BUREAUS, INACCURATE AMOUNTS, INACCURATE DISPUTE STATUS WHY ARE THEY REPORTING IT!!! FOR ALL I KNOW BEING A REPORTER THEY NEED TO HAVE THEIR SOURCES ACCURATE BEFORE THEY FURNISH MY CREDIT REPORT OTHER PEOPLE... ON WHICH I NEVER AGREED IN WRITING THAT THEY CAN DO SO!!! 


i write here everyday... believe me im annoyed too... i just want to hold the XXXX bureaus accountable for false report ... or better yet FAKE NEWS!!

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 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank shut me down a year ago for no reason. I would like my account to be reinstated or I would like to open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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:
CFPB : ALL IM SAYING IS IF THERE'S CLEARLY INACCURATE DATES BETWEEN XXXX BUREAUS, INACCURATE AMOUNTS, INACCURATE DISPUTE STATUS WHY ARE THEY REPORTING IT!!! FOR ALL I KNOW BEING A REPORTER THEY NEED TO HAVE THEIR SOURCES ACCURATE BEFORE THEY FURNISH MY CREDIT REPORT OTHER PEOPLE... ON WHICH I NEVER AGREED IN WRITING THAT THEY CAN DO SO!!! 


i write here everyday... believe me im annoyed too... i just want to hold the XXXX bureaus accountable for false report ... or better yet FAKE NEWS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB : ALL IM SAYING IS IF THERE'S CLEARLY INACCURATE DATES BETWEEN THREE BUREAUS, INACCURATE AMOUNTS, INACCURATE DISPUTE STATUS WHY ARE THEY REPORTING IT!!! FOR ALL I KNOW BEING A REPORTER THEY NEED TO HAVE THEIR SOURCES ACCURATE BEFORE THEY FURNISH MY CREDIT REPORT OTHER PEOPLE... ON WHICH I NEVER AGREED IN WRITING THAT THEY CAN DO SO!!! 


i write here everyday... believe me im annoyed too... i just want to hold the 3 bureaus accountable for false report ... or better yet FAKE NEWS!!

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