vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am a federally protected consumer, and I am making this complaint against TRANSWORLD SYSTEMS INC, for committing identity theft. I have never given TRANSWORLD SYSTEMS INC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with TRANSWORLD SYSTEMS INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving TRANSWORLD SYSTEMS INC any right to collect on this alleged debt. 

I have never received any documentation requesting validation from TRANSWORLD SYSTEMS INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If TRANSWORLD SYSTEMS INC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TRANSWORLD SYSTEMS INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and TRANSWORLD SYSTEMS INC, continues its collection efforts, I will file for litigation for actual damages caused and TRANSWORLD SYSTEMS INC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I had to have a freeze put on all 3 of my credit reports due to companies like this. Companies like Plus Finance do this because the CFPB and other agencies don't ever hold companies accountable. 

In XX/XX/2023 i had a letter sent to Plus Finance informing them of my Fianancial Hardship. I gave them a settlement amount i make in 3 payments yet it's no 30 days later and Plus Finance didn't bother to respond. I included the letter i had faxed. I was also a victim of Identity Theft that have caused me so much damage to my credit and UnNecessary stress that i don't need due to already having Health Issues and my XXXX XXXX. Plus Finance continue to report my account as XXXX XXXX to the 3 credit bureaus who i intend to file a complaint against for allowing companies to report anything on people 's credit. The 3 credit bureaus should be held accountable for allowing companies to report anything including false information then all 3 credit bureaus put you thru XXXX to put a credit freeze on your credit which is suppose to be free for customers and they make it hard to report Identity Them. 


Plus Finance also lied a year ago that the hard inquiry on all 3 of my credit reports yet i then was told i had to contact XXXX XXXX since i applied there. Plus Finance knows they have no warning of a hard inquiry when you apply thru XXXX XXXX who have been sued for their business antics. They also closed the accout without warning even though i was making payments. To not work with a customer that is experiencing a Financial Hardship yet still trying to do the right thing.

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 2023-10-12 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: V and H Portfolio
State: TX

Complaint narrative:
Please see the attached documents to understand what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00}.

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 non-monetary relief
Consumer complaint received 2023-10-13 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: CA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
I have disputed this information several times, I have NO BUSINESS with these companies and have no understanding how Equifax allows fraudulent activity to occur and then tell me to figure it out! It's a shame that some company can run your report several times that I have no business with and didn't authorize them to do it. There are laws to protect me, and I am asking for your help with the removal of these fraudulent inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a 1099c and this account has been settled please update balance to paid in full

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a 1099c and this account has been settled please update balance to paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: TN

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-10-13 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, thereare laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads 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 accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I have a First National Bank of Omaha Account. I was prompted to open a new type of account with a better APY through XXXX XXXX  on the FNBO account. Looking for a good interest rate and working with online banking in the past, I decided to link the FNBO account, my XXXX  account, my Chase account and XXXX XXXX XXXX Account. I made an initial deposit on XX/XX/ from XXXX of {$750.00}, XXXX ( XXXX ) XXXX XXXX {$10.00} on XX/XX/, and again on XXXX XXXX XXXX I added another {$1000.00} from XXXX XXXX. On XXXX XXXX XXXX they withdrew {$400.00} from my XXXX XXXX XXXXXXXX account and unbeknownst to me, I noticed that on my XXXX XXXX XXXX website and saw the XXXX was initiated. All of these deposits had cleared my accounts at the drafting institutions within a day of the deposit into XXXX. After XX/XX/, when I questioned why this {$400.00} was withdrawn, my account was restricted. Now I can not access any of my money. I can not write a check, withdraw, or use my ATM card to access my account. 

They do not provide any live customer service. You must communicate with them through their App on your cell phone via messaging. I keep hearing my account is under investigation to authenticate the origination accounts. It should not have taken XXXX weeks let alone all the money deposited in XXXX XXXXXXXX they will not allow me to have access to. I am XXXX, I am helping my mom who has fallen after COVID and is in need of medical care. Despite my pleas to explain why, I keep getting the same through their online chat and via XXXX. I can not get any response, any explanation as to what the hold up is. On Friday, XX/XX/, I sent over a copy of the front and back of my driver 's license and still have not heard what the critical issue is here. I explained I have no creditors, no tax liens, property liens, that I am a XXXX trusted traveler. I also expressed that I do not want them to withdraw any funds from any of these banks and they told me to cancel the withdrawals at my banks and that would incur me between $ XXXX $ XXXX. I advised them that they are forbidden to take any additional funds, both, XX/XX/XXXX, and XX/XX/XXXX, as well as today, XXXX XXXX XXXX I saw that this similar situation has happened to others in Reviews and my attempt to write FNBO last week was met with a response, they are their own bank, despite their use of FNBO 's routing number. I am not please. I feel scammed and I feel exhausted. I want this noted, I want this resolved and I want the rest of the public to know that this is the practices of this bank. Altogether they have {$2100.00} in savings, {$640.00} in a vacation account and {$1800.00} in my checking account. I just want my money back at this time.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please see attached letters for detailed breakdown down of complaint. Anytime a charge off is reported it is now becomes income. Therefore it should not be reported on my consumer report. 15 USC 1681e-b Compliance and procedure states that the reporting company must maximum accuracy when reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to express my extreme dissatisfaction and concern regarding a recent issue I have encountered with my Chase bank account. I have been a loyal customer of Chase Bank for years, and I have always trusted their institution for its reliability and customer service. However, I am deeply disappointed by the way my recent concern has been handled, which has had a severe impact on both my study and personal life. 

On XX/XX/2023, I discovered that my bank account had been unexpectedly blocked without any prior warning or explanation. This sudden action has caused significant distress and inconvenience, as the funds inside the account are essential for my day-to-day activities, including work-related transactions and personal expenses. And I am only a student, so I really need the money. 

I promptly contacted their customer service department to seek clarification on the matter. To my dismay, I was informed that my account was under review due to unspecified reasons and that the standard review period, which used to take XXXX week, has been extended to an astonishing XXXX months. This unexpected and unjustifiable delay in resolving the issue has left me in a precarious financial situation, hindering my ability to carry out my professional responsibilities and meet my essential needs. I have over {$1000.00} hold by them and it is the money I wish to use to apply for a school, now without this money I cant apply for the school and it is almost past the deadline that I could turn in the money and application. 

I kindly request a thorough and immediate investigation into the circumstances that led to the freezing of my account and the subsequent prolongation of the review period. I urge them to provide me with a clear and detailed explanation of the reasons behind this action. Additionally, I request that my account be reinstated without further delay, allowing me to access my funds and resume my normal activities. 

Furthermore, I expect Chase Bank to compensate me for the losses and inconveniences I have suffered as a result of this situation. The undue stress and financial hardship caused by this incident require redress, and I trust that CFPB, a reputable institution, will take swift action to rectify this matter. 

I appreciate your prompt attention to this urgent issue. I expect to receive a satisfactory resolution soon of receiving this letter. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After Experian disputed items on my report some came back as verified. I gave them a chance to cure and also ask to show me the contract I signed, they responded they don't have it. So I asked to prove that debt is mine or delete it. Attach is a letter I want Experian and the original creditor to have. It's experians job to make sure items are 100 % accurate not just a simple, its verified and no investigation was made.

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 2023-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank Executive, XXXX XXXX, is new on the Advisory Board for of Step Up for Students, and now over XXXX Florida families are blocked from accessing our childrens state educational scholarship funds without utilizing a US Bank issued and controlled card. These funds are provided by the state of Florida and managed by Step Up for Students. 

There are no US Bank branches in the entire State of XXXX instead, parents are being directed make cash withdrawals from XXXX ATMs for our childrens educational reimbursements. 

We are also being coerced into opening up a US Bank accounts. They are claiming that the XXXX XXXX XXXX requires certain documentation to comply with the banks request. I do not want to give US Bank my social security number, or my childs, in order to receive scholarship reimbursements.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to report to my consumer credit report, yet has failed to produce a valid security agreement with my personal private source data information on it. The address on the XXXX XXXX account has never belong to me, and I continue to contest that XXXX XXXX auto finance does not have written permission or consent to share my information with a third party, in which they have been sharing invalid information and has been damaging to the consumer credit extension and worthiness.

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