vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chex Systems has furnished improper and inaccurate information on my consumer report, this information has been reported without my permission or written instruction. Due to the negative nature of the incorrect information, I have experienced hardship. My rights have clearly been violated because they have failed to validate charge off amounts on XXXX separate accounts. 

The first being XXXX XXXX  Corporation Original Charge Off amount of XXXX is incorrect. 

The second is XXXX XXXX, I did not owe them any money, yet Chex Systems is reporting a {$260.00} charge off, I have requested they furnish validation information such as a contract with my signature on it with both of the banks and they have failed to do so. 
In accordance with FCRA this must be immediately deleted if they can not produce the proper documents within 15 days. 

Inquries found on my ChexSystems report do not belong to me and are unauthorized and unrecognizable, due to this I have attached FTC reports to my complaint as well. These inquiries include Inquirer : XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX 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 2024-12-16 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-16 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
They attempting to collect on a debit they do not have a contract for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: NJ

Complaint narrative:
I was declared the POA of my fathers bank account, after my mother passed away, due to my fathers declining mobility. A large check was issued from my mothers life insurance, and although my father was listed as the sole beneficiary she left written instructions to split the money XXXX ways. After the check cleared in my fathers account, I attempted to initiate a wire to my own personal checking account. At no point did anyone ( who knew I was acting as POA ) tell me this transaction could not be completed. However, the next day ( Saturday XX/XX/XXXX ) I was informed that. Y fathers bank account had been frozen due to suspected fraud and that POAs cant do what you did. I said fine, cancel the wire, but please unfreeze my fathers account so he can have his bills paid on time. Branch manager of bank told me to talk to a loss prevention specialist handling the case, so I called and we spoke at length. He asked if I was POA and I said yes, then he concluded that the only way to have the account unfrozen, was to speak to the VP of Security at the bank. I have since made multiple attempts to call the VP, no response. I even told her i would be willing to put my father on the phone, to confirm the money and clear me of attempting to defraud him. I called the back back, and they confirmed they could not unfreeze the account, and that I must speak to the VP. So again, Ive been calling and calling for a week now. Leaving messages. No response. I dont care about the wire, they can cancel it. But my father has bills to pay and theyre holding his account XXXX by refusing to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Early Warning Services has a Federal Trade Commission report filed due to multiple violations. No reasonable option to opt out is offered and there is no written consent being given nor ever was given with my knowledge to share any private information. It has been communicated to the Agents at EWS that any assumed authority has been revoked and I wish to terminate all agreements that bind the living trust to report or share any and all transactions or any and all personal information. Early Warning Services is also violating Fair Credit Report Acts mandate 15 U.S.C. 1681 s-2 for furnishers to provide complete and accurate information. Early Warning Services is reporting invalid information not confirmed lawfully by the office of the living trust. After contacting their company and giving notice to review information on file that has been acquired without my knowledge I have not received cooperation. The right to privacy is not being given and that is a federal violation causing harm when attempting to acquire loans for homes, business and vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
Selling items on XXXXXXXX XXXX XXXX Fraudster posing as a Zelle representative had me transfer debit funds to set up a business account through Zelle which Im currently disputing with my bank ( usaa ) this individual is currently active and answering calls at XXXX ( XXXX ) XXXX. Not an actual Zelle representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

There failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Delete these item immediately : XXXX XXXX XXXX Account Number - XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX announced widespread Federal student loan forgiveness for students who attended XXXX XXXX schools due to the rampant school misconduct and fraud that the for-profit schools committed against the attendees of these schools. On XX/XX/XXXX, I applied for forgiveness of my private student loans due to my school ( The XXXX XXXX XXXX XXXX ) conducting misconduct by filling out the form supplied to me by XXXX. My private loan was then transferred to Mohela for servicing, effective XX/XX/XXXX. On XX/XX/XXXX, I received a message that Mohela needed a signature for my School Misconduct forgiveness application. I supplied the requested signature that day. On, XX/XX/XXXX, I received a notification that my application for loan forgiveness due to school misconduct was denied. I called on XX/XX/XXXX to find out why my application was denied and was told that the reason was XXXX to Mohela and I could send further supporting evidence for my case to have them re-assess my application and gathered that evidence and sent it in on XX/XX/XXXX. My loan is now entering repayment and I am struggling to pay the bill. 

I have been unable to financially support myself and my child since graduating in XXXX and having this private student loan go into repayment. My son is on the XXXX spectrum and requires extra supervision. I have lived with my parents in their home since graduating from college with my XXXX XXXX XXXX. Luckily, I have been able to find work that is able to cover the astronomical payment amounts required by XXXX XXXX but I have paid well over the initial loan amount. 

Original loan amount : {$21000.00} Payment amount : Approximately $ XXXX Months since Repayment Began : XXXX Amount Paid : At lease {$51000.00}, including extra payments I have made Current Balance : {$10000.00} XXXX XXXX XXXX has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX does the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 
Link to XXXX XXXX 's XXXX : XXXX : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-16 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: FL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-16 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: MI

Complaint narrative:
XXXX has been contacted in XXXX of XXXX, and by phone multiple times after that date to remove all adverse and inaccurate items. Fair Credit Reporting Act violations identical to the other reports section 623 ( 15 U.S.C. 1681 s-2 ) mandates that furnishers provide complete and accurate information. The information has been investigated by the consumer and found to be incomplete and inaccurate. Denials to obtain credit have impacted my financial affairs and cause business loss daily.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
XXXX has been contacted in XXXX of 2023, and by phone multiple times after that date to remove all adverse and inaccurate items. Fair Credit Reporting Act violations identical to the other reports section 623 ( 15 U.S.C. 1681 s-2 ) mandates that furnishers provide complete and accurate information. The information has been investigated by the consumer and found to be incomplete and inaccurate. Denials to obtain credit have impacted my financial affairs and cause business loss daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, In XX/XX/year>, Bank of America reduced my credit limit from {$19000.00} to {$1500.00} without prior notice or explanation. This drastic reduction has negatively impacted my credit utilization ratio and financial stability, despite my excellent history of making on-time payments and managing my account responsibly. 

On XX/XX/year>, I contacted Bank of America to request that my original {$19000.00} limit be restored. However, my request was denied without any clear explanation. I find this decision to be unjust and unreasonable. 

I am seeking immediate action to reinstate my credit limit to {$19000.00}. I kindly request the CFPBs assistance in fairly resolving this matter.

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