vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello good morning already contacted you guys on XX/XX/XXXX pertaining the same issue. This is just an update showing that they are still processing transactions on my account even after it was closed. My account was closed with XXXX dollars on there and every day I've been waking up since then I've been receiving emails saying that there is a different amount, and that it is negative or overdrawn by a certain amount. I have all of this evidence. I have no idea why it is negative at all and why there are transactions being made without my concent!!! I DID NOT make any purchases that would have overdrawn my account. I pay very close attention to the money in my account, and I would have never made that mistake. I always purchase something and then lock my car right after. There would be no room for me to have had anything overdrawn. I just want my money back! Since my account was closed for no reason! At first, it was XXXX and something dollars and then it was XXXX something dollars and now it's saying it's XXXX and something dollars. All of the starting balances are different which doesn't make any sense why would all of my starting balances be different?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from.

This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: GA

Complaint narrative:
According to the FCRA Laws 15 USC 1692c : clearly states that if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease ALL COMMUNICATIONS. This is a violation and statutory damages can occur.

Please remove/delete these two account below from my credit report. 

1. I C System 2. 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 non-monetary relief
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 explanation
Consumer complaint received 2025-01-03 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: EQUIFAX, INC.
State: VA

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: GA

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 XXXX XXXX XXXX XXXXXXXX ]. 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 2025-01-03 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: TX

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal 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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-03 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XX/XX/XXXX XXXX {$570.00} charged to XXXX for XXXX gift cards, which I did not purchase nor receive XXXX Receive text from Chase asking if I made a purchase for {$11.00}. I say no. It is reported as fraud. 

XXXX XXXX Chase XXXX phone to report fraud of {$570.00} on XXXX XXXX 
They file a report : Chase Claim # XXXX XXXX I go in person to the bank to close my checking acct. 

XXXX Go to Chase Bank in person at XXXX XXXX XXXX XXXX XXXX CT and speak to XXXX XXXX XXXX relationship banker Close checking account and open a new one, shred debit card used to make fraudulent purchases XX/XX/XXXX Receive email from XXXX confirming unauthorized activity. They freeze my account. 

File a police report Police report case # XXXX XXXX XXXX XXXX XXXX Police Department XX/XX/XXXX Receive letter from Chase denying claim XX/XX/XXXX Close XXXX account after multiple attempted fraudulent charges. XXXX can not help me. 

XX/XX/XXXX Receive text from Chase asking if I made a transaction from the frozen bank account for {$9.00}. I say no, they call it fraud. 

Call Chase regarding Chase Claim # XXXX and am told my claim for {$570.00} was denied because I made a purchase from the merchant in XXXX. Scoured my purchases from XXXX in XXXX and there is nothing there except the XXXX presents I ordered. 
Chase refuses to provide me with any relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I receive an email informing me that my savings account with Upgrade Inc. was suspended for unexpected activity. The email instructed me to contact customer service to resolve the suspension. I did not require access to the funds at that time, however, I required access to the funds later and attempted to call them to resolve the suspension. They told me over the phone that I had to wait for an email instructing me on next steps. I informed them that I had received said email and it instructed me to contact their customer service line to resolve the suspension. They told me I had to wait for another email containing next steps. They then stated that they had no additional information and could give me no timeframe as to when I may receive this email or when the funds in this account would be accessible. I then contacted another customer service representative via the chat function on their website who told me the same thing, that they had no information on the reason for the suspension, the timeline for the suspension resolution, or my ability to access these funds. They told me that I would not be able to access these funds until the suspension was resolved and that I would receive an email with next steps for resolving the suspension. They did not know a timeline for when I would receive said email nor did they have in their records the email that I originally received on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
this account is not showing maximum possible accuracy according to FCRA delete account listed below for violation of the fair credit reporting act.15usc 1681e ( b ) a collection agency should not report as a " 120 days late '' account. They should only show the account as " collection. '' If Equifax didnt investigate thoroughly, follow up with them which I have and they have done nothing, and ensure you are keeping accurate records of all communications with the agencies involved. Collection agencies can not report as a creditor or mark an account as " 120 days late. '' Equifax must provide with the results of their investigation. If the dispute is not resolved, and you feel that their investigation was insufficient or incorrect, you can request a more thorough review which I have and now need the government to step in and see how these companies should not be doing business. 

They have sent generic statements saying they own the debt now but with two different dates XX/XX/year> and XX/XX/year>XXXX They are not good record keepers and need to be held accountable. 

Please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: FCC Finance, LLC
State: VA

Complaint narrative:
A company that I've never done business with is reporting a debt on my credit report. FFC Finance LLC is reporting to XXXX. It shows XXXX different dates and amounts. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Amounts of {$11000.00}, {$16000.00}, and {$12000.00} This isn't showing on my normal credit report. I only became aware of it when I applied for a mortgage. I called XXXX to dispute it on XXXX different occasions. I received no resolution of the first dispute. The second dispute is still open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
-- - [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX XXXX TransWorld Systems Inc XXXX Virginia XXXX XXXX XXXX XXXX XXXX  PA XXXX **Subject : Formal Complaint and Demand for Compensation** Dear XXXX XXXX XXXX XXXX/TransWorld Systems Inc , I am writing to formally address your attempts to collect a debt that I do not recognize and for which I have not entered into any agreement or business dealings. I have received two correspondences regarding an alleged obligation of {$620.00} attributed to your agency. However, I must inform you that this account is significantly past the allowed reporting and collecting timeframe under the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, debts typically have a reporting limit of seven years from the date of default. Your claim originates from XX/XX/year>, which is well beyond the permissible period for reporting and collecting such debts. Continuing to pursue collection of this alleged amount not only constitutes an unauthorized collection but also represents a further breach of my rights. 

Moreover, neither agency is unlicensed to operate as a debt collector in both South Carolina ( SC ) and Georgia ( GA ), further compounding the violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Federal Trade Commission ( FTC ) guidelines. 

**Demand for Compensation : ** As a result of these violations, I am demanding compensation for the following : XXXX. **Emotional distress and damage to my reputation** due to your unwarranted collection efforts. 
XXXX. A demand amount of ** $ XXXX ( XXXX the alleged debt of {$620.00} ) as compensation for the illegal collection attempts. 
XXXX. An additional ** $ XXXX for damages incurred from XX/XX/year>, to the present due to the unauthorized collection and the negative impact on my financial standing. 

This demand aligns with the remedies available under the FDCPA, which allows for statutory damages, as well as the rights provided by the FCRA to protect consumers against outdated and irrelevant information affecting their credit. 

Please consider this a formal demand to cease all collection activities related to this alleged debt. I request written confirmation within ** [ 14 days ] ** that you will no longer pursue this debt. Failure to respond adequately or continued attempts to collect this debt will leave me with no choice but to report your conduct to the appropriate regulatory authorities and pursue legal counsel. 

Thank you for your prompt attention to this matter. I expect to hear from you soon. 

Sincerely, [ XXXX XXXX XXXX ] ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
" 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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis reporting responde received on XXXX XXXX is inaccurate. I've spoken verbally with their Business Credit Reporting Department stating every detail lime by line that is inaccurate. I also provided the business filing information confirming the business with XXXX XXXX 

On Received XXXX I received a second phone call from LexisNexis Business Department to go theough each item that is incorrect again. 

LexisNexis customer support stated a false direct business department contact number, it re routes to consumer reporting and they do not work with the business department. 

The false number I was given is XXXX.

Company response to consumer: Closed with explanation