vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I am a natural person. I have rights under 15 USC 1681 Chexsystems is govern by 15 USC 1681 and they violated my rights. I demand the account below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Chexsystems written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be XXXX XXXX accurate when reporting and account reported are not 100 % therefore I demand for All accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX also called XXXX XXXX to remove all reported items XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX Chex Systems Account number XXXX I dont have any installment loan with XXXX  XXXX XXXX  XXXX XXXX and I never signed or authorized any installment loan with XXXX  XXXX XXXX  XXXX XXXX XXXX I never written any checks from XXXX XXXX XXXX  XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page XXXX of XXXX ) I gave Chexsystems a copy of the CFPB and they ignored my request to delete account I gave Chexsystems a copy of my FTC filing stating that the XXXX accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all XXXX accounts are inaccurate on all XXXX credit files and 15 usc 1681 states credit files have to be XXXX XXXX  accurate XXXX stated they did an investigation however all XXXX credit files are still inaccurate I want all accounts deleted 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 2023-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Hello, My issue is with Nationwide Credit INC. Nationwide has said they initially received the Finns hardship application but the decision to deny was with XXXX XXXX XXXX  XXXX attorney has said that they have never received any hardship application from NCI. 
My previous complaints to CFPB about this case # XXXX and XXXX NCI has said we received the hardship application but XXXX we're the ones to deny. 
XXXX attorney has said he never get any hardship application. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was a customer with Wells Fargo from XXXX. I was subject to thousands of overdraft fees, account minimum fees etc. 

I made numerous attempts to rectify these charges and even change my account type with Wells Fargo to avoid these fees but was never given the opportunity to change the account. 

Early this year, I closed my XXXX account for good for their excessive fees and unwillingness to offer or provide a service that was fit for consumers. 

I believe I am owed damages for the amount I paid to Wells Fargo over all those years.

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
i Initially receive the offer for the card at XXXX XXXX so i applied for a discount everything was fine at first this was in XXXX of XXXX i then waited to receive a bill or the card in the mail so i would be able to pay my balace of XXXX dollars i funded on the card. in early XXXX i got my first phone call from cominety bank i picked up the phone and they hung up right after the phone was answered i get about XXXX of these types of calls per day since the first occasion. i tried to call their numbers but the same issue i check the mail daily for a bill or card to log onto their online portal to no aval. Around XXXX XX/XX/XXXX i was finally able to get in contact with the company they wanted me to give my debit card information over the phone to one of their employees i refused due to security concerns and they told me my balance was now well over XXXX dollars and they would be sending it to collections soon i just want to pay this original balance and be done with this predatory company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30 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: MA

Complaint narrative:
notice to sue. i tried to fix this problem of my consumer report not being 100 % accurate under 15 U.S. Code 1681i my report must be 100 % accurate. i gave you time to fix this problem. you will see me in court and don't send me a email asking how can we settle this outside of court. i will get remedy for all the violation. your company isn't bigger than federal law. have. a good day. i have all the exhibits.

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 2023-01-30 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  has violated my rights. 

15 u.s.c 1681 section 602 A. States 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 a account without my written instructions

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 2023-01-30 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 u.s.c 1681 section 602 A. States 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: SC

Complaint narrative:
XXXX XXXX has been reporting a invalid account on my consumer report which is violating 15usc1681a-4 privacy obligation VIOLATION 1, they're not protecting me as a consumer. 2nd violation is 15usc1681b no permissible purpose to place on my consumer report without my consent or wet ink validation which is violation 15usc1681 section 604 a section 2. I have given them 15 days to provide proof that this account belongs to me and they have yet to do this. 15 days are up, so the account has to be removed. 5usc552a you broke the privacy law. I have a right to privacy 15usc 1681 section 602a.

Accounts according to FCRA being violeted of my confidentiality rights are XXXX XXXXXXXX XXXX XXXX XXXX according to my recent cfpb complaint they stated that they will stop all collection activity and remove from my consumer report XXXX XXXX XXXXXXXX 30 days Late 15usc1666b timing of payment violation 15usc1681a ( 1 ) a ( 2 ) transaction history excluded 15usc1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15usc1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any CRA if the person knows or has reasonable cause to believe info is inaccurate. 
{$1000.00} per violation sued and or prisonment.

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 2023-01-30 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: OR

Complaint narrative:
The credit bureaus put a statement on my report but DID NOT remove the inquiries that were a result of fraud. Delete these 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 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 XXXXXXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Credit ran and hard inquirys incurred. 
XXXX XXXX XX/XX/XXXX Barclays Bank XX/XX/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 2023-01-30 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: MO

Complaint narrative:
In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A.States 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year.

15 U.S.C. 1681s-29 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XXXX I went into default on Student  loans due to unemployment. 
I went into collections. The letter stated I owed over XXXX XXXX  in principle, interest and other fees. 
My original loan with interest was paid down below XXXX XXXX in XXXX with payments on and off until XXXX. 

At that time I requested payment history, and validation of debt by collector. 

Non was received. 

My loan went back and forth this way between Navient and collections. 

In XXXX, a collection agency finally answered my request with incomplete records. Only providing the application for consolidation of loans and a short 2 year history of payment from XXXX through XXXX. 

My student loans have been offset by my federal and XXXX refunds since XXXX and there was no record of those payments. 

When this was reported to that agency, I have heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023 I notified Citibank that an EFT from XXXX XXXXXXXX that was not authorized was being taken from my account. Citibank promised me provisional credit while they investigate the matter further with XXXX. I have yet to get the credit and so I have asked Citibank to put a hold on my account and I transferred my funds to another account to protect them since Citibank will not. I have been a member of Citibank for over 20 years and I do not understand why I am having issues like this. I am hoping that this issue gets cleared up sooner than later and once done I need a new account number to stop this from happening again in the future.

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 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I took out a loan of {$2500.00} in XXXX I have been paying on time, large amount and owe more then I took. They charging monthly XXXX dollars for customary fee and was not told that it would be on my loan just interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 I paid my Macy 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of XXXX XXXX XXXX XXXX. I have disputed this claim with them as well and three years later I am still fighting these ridiculous claims. After submitting my complaint to XXXX XXXX XXXX, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your 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 non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
15 USC 1681 Section 602 States That I Have The Right To Privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish my account without my instructions. 15 USC 1666B : A creditor Can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with XXXX XXXX XXXX that is reporting two late payments in ; XX/XX/2021 and XX/XX/2021. I am requesting these two late payments be changed to OK because the reporting of these late payments are not supposed to appear on a consumers report.

According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681s-2.

This is unlawful and my two late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate 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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
RE : UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with KICKOFF LENDING LLC that is reporting two late payments in ; XX/XX/2021 and XX/XX/2021. I am requesting these two late payments be changed to XXXX because the reporting of these late payments are not supposed to appear on a consumers report. 
According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681s-2. 
This is unlawful and my two late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: SC

Complaint narrative:
I received an undated notification.from Zion Debt Holdings that I owed a debt in the amount of {$150.00} to XXXX account XXXX. This account was owned by XXXX when I contracted with them. On XX/XX/XXXX I closed the account with XXXX- with a closing date of XX/XX/XXXX ( since we were selling our home on that date ). The account at XXXX was automatically billed to my credit card. XXXX did not bill that account until XX/XX/XXXX. I was surprised with the billing so I contacted XXXX ( who had been taken over by XXXX ). On XX/XX/XXXX, I called XXXX. XXXX XXXX verified that I had closed the account and acknowledged that the agent on XX/XX/XXXX. did not follow proper closing procedures. In XXXX, XXXX I received a letter from XXXX stating that there were no additional charges from XXXX. I still received billings for a few months but those billings disappeared in XXXX, XXXX. All conversations related to these billings with the representatives at XXXX were futile. Since I had had no contact from XXXX in a year, I shredded the letter from XXXX verifying no owed debt. I have had no further interaction with XXXX. Obviously XXXX assigned my referenced account to Zion Debt Holdings without any notification to me of those actions. XXXX has on record a copy of the letter that was sent to me by email in XX/XX/XXXX advising me that there were no debt or fees associated with this account. 
I tried talking with XXXX at Zion Debt Holdings and she insisted that I owed the debt because I had failed to notify Monotronics in writing. However, I explained to XXXX that I had followed all procedures explained to me by XXXX and the representative on XX/XX/XXXX. XXXX stated that the representative in XXXX did not follow all procedures related to the closing of the account.. However, I did not question XXXX about the failures of that employee. We had an account with XXXX for 12 years. I suggested to XXXX that they ask XXXX for a copy of the written verification of the affirmation of no debt. She rudely explained that the verification was my burden and not hers. XXXX let me know that if I had not submitted payment on or before XX/XX/XXXX that she would submit my record to all credit bureaus. 
Please contact XXXX and verify this information on my behalf and request they remove my account from Zion Debt Holdings. 
Respectfully submitted, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Was charged {$57.00} in service charges for closing the account and later sent it to collections

Company response to consumer: Closed with monetary relief