vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I received a notice of debt collection through XXXX. I contacted the account holder, Transworld Systems. They told me that the debt was for an account with XXXX  XXXX XXXX in the amount of {$1500.00}. Service for this account ended in XX/XX/2023. I informed them that I have never lived in XXXX  or at the address they provided to me. They told me I would need file a police report for identity theft. I have done that and have a case number I can provide. I have also submitted a dispute with XXXX on the collections report.

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 2023-11-09 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-11-09 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: GA

Complaint narrative:
I have requested proof off debt and any sign agreement or contracts related to the fraud account.,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
According to Citizen 's Bank Peace Of Mind overdraft fee, a person needs to have by the day after by XXXX need to cover the amount your account was overdrawn by the previous so as not to incur an overdraft fee. 
On XX/XX/2023 my account by days end was over drawn by {$78.00}. The following day I made 2 deposits ( {$40.00} + {$46.00} = {$86.00} ) leaving me with a {$7.00} balance. Later that evening a {$62.00} pre-authorized debit went through this leaving me with - {$54.00} balance. The day after I then deposited {$60.00} to cover my negative balance and to take advantage of their Peace of Mind Overdraft protection and to avoid paying {$35.00} in fees. I should have had a {$5.00} balance I saw though that I was not credited for the overdraft fee from the prior day even though I had made the deposit to cover it so I contacted costumer service to find out that the fee remained because I had a negative balance due to the {$62.00} pre authorized debit later that evening.

This is not in keeping with their Peace if mind policy. I brought my account to a positive balance the day after as their policy states to cover the overdraft amount of XXXX. Then as you can see in their debiting of my account a charge if {$35.00} when I had a {$7.00} balance. Why? I had a positive balance as their policy states. 

This then overdraws my account to - {$27.00}. Then they deduct the {$62.00} pre-authorized debit. So their contention that that the overdraft of {$62.00} causing their fee is wrong as can be seen in the included attachment. 

I honored their Peace if mind policy by bringing my account to a positive balance the day after my XXXX XXXX overdraft the day after. 
I also brought my account to positive balance after what should have only been a - {$62.00} overdraft to what should have been a positive balance the day after as well. So I honored their policy of having the account brought positive both times. 

Why was I then charged {$35.00} after I had a positive balance on XXXX? 
Citizen Bank then further overdrafts my account to then the {$60.00} deposit I made after the overdraft which should only been {$54.00} because I had a {$7.00} balance. So then the the {$60.00} deposit should have left me with a positive balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-09 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: FL

Complaint narrative:
I RECENTLY BEEN DENIED CREDIT BECAUSE OF THE FRIVOLOUS INFORMATION THATS REPORTING ON MY FILE. I REALLY DONT UNDERSTAND HOW ARE THESE ITEMS REPORTING WHEN INFACT THEY WERE NEVER TAKE OUT. IT IS MY RIGHT AS CONSUMER AND A CITIZEN TO FIGHTAND REACT TO ANY UNAI WAUTHORIZED INFORMATION REPORT ON MY FILE. I KNOW BY LAW THE CREDITOR HAS 30 DAYS TO RESPONSE ANY CLAIMS REGARDING THIS MATTER, BUT I AM GOING TO ASK THE BUREAU TO SPEED UP THIS PROCESS AND REMOVE THESE MISLEADING INFORMATION OFF MY REPORT BECAUSE ITS HURTING MY ABILITY TO OBTAIN CREDIT. THE FEDERAL TRADE COMMISSION WILL BE NOTIFIED IF THESE ITEM ARE NOT BE NOTIFIED IF THESE ITEM ARE NOT DELETED WHEN THE RESULTS COME IN YHE MAIL.

Thank you

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 2023-11-09 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 RECENTLY BEEN DENIED CREDIT BECAUSE OF THE FRIVOLOUS INFORMATION THATS REPORTING ON MY FILE. I REALLY DONT UNDERSTAND HOW ARE THESE ITEMS REPORTING WHEN INFACT THEY WERE NEVER TAKE OUT. IT IS MY RIGHT AS CONSUMER AND A CITIZEN TO FIGHTAND REACT TO ANY XXXX WAUTHORIZED INFORMATION REPORT ON MY FILE. I KNOW BY LAW THE CREDITOR HAS 30 DAYS TO RESPONSE ANY CLAIMS REGARDING THIS MATTER, BUT I AM GOING TO ASK THE BUREAU TO SPEED UP THIS PROCESS AND REMOVE THESE MISLEADING INFORMATION OFF MY REPORT BECAUSE ITS HURTING MY ABILITY TO OBTAIN CREDIT. THE FEDERAL TRADE COMMISSION WILL BE NOTIFIED IF THESE ITEM ARE NOT BE NOTIFIED IF THESE ITEM ARE NOT DELETED WHEN THE RESULTS COME IN YHE MAIL.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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 RECENTLY BEEN DENIED CREDIT BECAUSE OF THE FRIVOLOUS INFORMATION THATS REPORTING ON MY FILE. I REALLY DONT UNDERSTAND HOW ARE THESE ITEMS REPORTING WHEN INFACT THEY WERE NEVER TAKE OUT. IT IS MY RIGHT AS CONSUMER AND A CITIZEN TO FIGHTAND REACT TO ANY XXXX  WAUTHORIZED INFORMATION REPORT ON MY FILE. I KNOW BY LAW THE CREDITOR HAS 30 DAYS TO RESPONSE ANY CLAIMS REGARDING THIS MATTER, BUT I AM GOING TO ASK THE BUREAU TO SPEED UP THIS PROCESS AND REMOVE THESE MISLEADING INFORMATION OFF MY REPORT BECAUSE ITS HURTING MY ABILITY TO OBTAIN CREDIT. THE FEDERAL TRADE COMMISSION WILL BE NOTIFIED IF THESE ITEM ARE NOT BE NOTIFIED IF THESE ITEM ARE NOT DELETED WHEN THE RESULTS COME IN YHE MAIL. 
Thank you

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 2023-11-09 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
Hello, I previously had an account with chime financial. On XX/XX/2023 my account was suspended because I received a deposit from United States Treasury Department also know as IRS. The Deposit amount was for {$50000.00} into my chime checking account. Inside of my chime credit builder account was {$490.00} balance from my employer check that was deposited on XX/XX/2023. Now on XX/XX/2023 I received a email from chime that my account have been CLOSED. Reasoning is that my account does not comply with the terms of the Deposit Account Agreement any funds in account will be mailed in form of a closure check. Then after speaking with chime supervisor she sent a email to the offline back office chime protection member I then get a email to send request documents that verify my deposit such as tax transcripts w9 also all DL SS all proof of identinty. The next email stated to re-enable account access and I should receive a response within 24-48hrs. I then received another email stating that I will receive closure checks of funds from both checking an credit builder account within 30days today is XX/XX/2023 it is way pass the time I have yet to receive my closure checks. I repeatedly sent the same email of verification they requested I have literally sent 47 emails an called/spoken to many chime members several times for weeks. In some emails I even stated personal information about my hardship this situation is causing me. Im a single mother of XXXX. And most of all Ive expressed why my closure checks should be expedited because my son has XXXX so his life medical treatment depends on this. Also on XX/XX/2023 some fraudulent activity within chime company went on with my account it was open for a few hours then closed which is extremely suspicious an bizarre. So now it looks like my account was closed on XX/XX/23 instead of XX/XX/23 even though I have proof from chime that my account was closed on XX/XX/23. It still 30 days pass the time to receive my money. 30 day closure checks time frame is chime policy. Please help me with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
I have requested proof off debt and any sign agreement or contracts related to the fraud account.,

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 2023-11-09 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: LEXISNEXIS
State: GA

Complaint narrative:
I have requested proof off debt and any sign agreement or contracts related to the fraud account.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
On XX/XX/2023, I sent a certified letter to Navient about inaccurate information they are reporting on my credit report. I asked that they removed the inaccurate information but they completely ignored me, and the information continues to be reported on my report which has caused me to be denied for credit and an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: ID

Complaint narrative:
I have made several complaints and provided proof that the Solar Mosaic debt is not mine and the account is now closed. All XXXX companies,, XXXX, XXXX and XXXX keep certifying that the information on my account is correct when its not. The CFPD does nothing about this even with the documentation saying its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2023 charge to my AmEx credit card for {$30.00} labeled as XXXX XXXX XXXX XXXX XXXX XXXX '' with a same day reverse of the charge for the exact amount labeled as " XXXX XXXX XXXX XXXX ''. The description is nonsensical and most any layperson not in the finance industry would not have a clue what that is. I requested an explanation but really didn't get one other than it was an internal error and they corrected it. That's fine, but why was I not proactively informed? What is the root cause of this error? What my credit card info compromised in any way due to AmEx 's error? What is being done to fix it? Was it a human error? Was it a tech error? Again, what is the root cause and why was my credit card affected, and why was I not notified? AmEx had no explanation for this- just repeating back " they fixed it ''. Was this mysterious charge for {$30.00} from another person 's credit card charge? How and why did this {$30.00} come about?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
Barclay has lowered my credit limit twice in the past six months or so. The first time, they lowered it dramatically. The second time, they lowered it by {$1000.00}, just a few days ago. When they do this, they send a letter in the mail -- so I find out when I receive a credit score alert. 
I pay on time, generally more than the minimum. There have been no late payments that I know of. We recently went through some transition and are recovering from financial setbacks, as many people are. However, we are fortunate to be in a position to pay the account in full within the next two months and terminate my relationship with this company.

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 2023-11-09 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-09 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-09 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: NY

Complaint narrative:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: LA

Complaint narrative:
I called this company about fraudulent items on my credit file. I spoke with the Office of Consumer Affairs and they told me to mail a completed valid FTC and a copy of my identification and social security card along with a cover letter telling them my request. I did that and verified my documents were valid and they did not block these accounts within 4 business days per the FCRA laws. They opened up a dispute for me which did not handle my issues these are identity theft accounts. This isnt the first time this company has done this I have heard other people say the same thing so maybe a class action lawsuit needs to be brought upon them especially since so many people was impacted by their breach. I also have attached a copy to this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: TX

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 2023-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
During XXXX XXXX XXXX XXXX  local store was closed but had a drop box outside to return equipment. I returned my equipment on XX/XX/21 by putting it inside the drop box as they requested. 

I thought everything was fine, however, later learned that they had turned me over to a collection agency for not returning the equipment because it showed up on my credit report causing me to pay higher interest rate. They never sent me a bill or letter or anything about it just turned me over to collections. I contacted them and they corrected it by showing it was paid and/or written off which does not take it off my credit reports even though they acknowledged I returned the equipment. 

ALL 3 REPORTING AGENCIES STILL SHOW IT ON MY CREDIT REPOR WHICH HAS NOW CAUSED ME TO BE DENIED CREDIT EVEN THOUGH MY SCORES ARE XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation