vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
In response to a previous complaint below. I have issued for said items/accounts to be removed and blocked. Items/accounts were removed and blocked but this account came back which is not mine. Please remove and block this fraudulent account per sections 605B, 615 ( f ) and 623 ( a ) ( XXXX ) of the Fair Credit Reporting Act. You have XXXX days to remove and block said items/accounts. 

Account XXXX XXXX  THE DISPUTE FROM BEFORE IS BELOW. 

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my passport and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX  days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been working with a HUD counselor and submitted a borrower assistance application on XX/XX/XXXX. Since then, the servicer, Schools First Credit Union, has requested multiple updated documents, which were all submitted in timely fashion on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was informed, however, that a sale date was held on XX/XX/XXXX. Due to dual tracking laws, I believe this to be against legal foreclosure proceeding legislature. More so, a Notice of Trustee 's Sale marks an initial attempted sale date of XX/XX/XXXX, well into the revision for my hardship application. In fact, I was served with additional letters dated XX/XX/XXXX requesting more information for the still-processing hardship application due by XX/XX/XXXX. I never received a foreclosure notice or any response, positive or negative, for my application. My counselor sent numerous emails on my behalf requesting information about the proceedings, but no response has been received in over two weeks. They have not contacted him or me regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management violated the FDCPA Act by placing a levy on my bank account, for a denied judgement case more than XXXX XXXX XXXX. MCM was denied an XXXX XXXX renewal motion XX/XX/XXXX. On XX/XX/XXXX MCM filed a writ to garnish with the XXXX district court in the state of XXXX, city of XXXX. As of XX/XX/XXXX my account has been frozen causing great hardship and has left me with the inability to pay my bills. MCM has been sued several times over for these deceptive business practices! Why is MCM continuously defying court orders?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received an email to submit a review on XX/XX/year> for my XXXX XXXX  credit and shortly after on XX/XX/year> I receivde an email from my credit monitoring account with XXXX XXXX I received an email that they decreased my account limit. 

I feel like they are retaliating against me for the bad review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 2025-03-18 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi there I opened a business checking account with Chase ( ending in XXXX ) back in XXXX. This was a business account that required a {$1500.00} balance to avoid a $ 12 monthly fee. I kept this account open for many years, always with a balance above that total, to avoid fees. 

Sometime in late XXXX, they changed the banking " product '' to require a {$2000.00} minimum balance to avoid a $ 15 monthly fee. I did not approve this product change, nor was I made aware of the product change. ( The bank tells me they notified me via mail, but I never received such a notification. ) Since XXXX of XXXX, I've been assessed a $ 15 monthly fee without my knowledge. 

The account itself went " dormant '' at some point, which means I couldn't even see the account in my Chase banking app.

I agreed to a {$1500.00} minimum, and I kept up my end of that contract. Chase changed the minimum without my consent, and they began charging fees without my knowledge.

I would like Chase to refund the {$420.00} in fees they have taken from me without my knowledge and consent. ( They refunded {$180.00}... I would like them to refund the rest of this total. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NC

Complaint narrative:
While working a XXXX shift in XX/XX/year>, I was met with unfortunate news concerning my paycheck that was just deposited into my account. My Chime bank account that I have had for over 2 years was hacked and they completely drained my account to make fraudulent transactions that I did not approve, due to me being AT WORK. Chime has so far refunded me a little over {$300.00} and has refused to refund the rest of my money as well as dissolve the payday loan that was taken out in my name during the time of these transactions. The payday advance loan was {$500.00} and the total amount I am missing from my checking account is {$650.00}. 

I work at XXXX XXXX, a very strict cable repair and manufacturing company that does not allow cellphone usage of any kind. All cell phones must be put into our lockers at the start of our shift, and we XXXX not retrieve them until the end. I had given Chime proof of my timesheet as well as the dispute between the alleged company where the fraudulent transactions occurred ( XXXX ). They still are refusing to refund my money as well as dissolve the payday advance loan. I have attached the same information I have given chime. I would like help in resolving this as soon as possible. 

In the past, due to catching XXXX I did take out a payday advance which was repaid every pay period to catch up on bills. But I have never been able to take out {$500.00} at once EVER. I have attached the images of the daily limitations for this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1
681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-03-18 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding an issue with Transworld Systems Inc. ( hereinafter " Transworld '' ), which is attempting to collect a debt from me related to an alleged violation involving the NC Quick Pass system. The debt in question concerns a purported violation of high occupancy vehicle ( HOV ) lane regulations,

but Transworld has failed to provide any adequate validation or verification of the debt. Upon requesting verification from Transworld, they have provided only a statement asserting the debts validity, but they have failed to supply any supporting evidence to substantiate the claim. Specifically, there has been no photographic evidence th
at proves my vehicle was improperly using the HOV lane, nor any clear proof that my vehicle was not eligible for the exemption under the applicable laws and regulations. 

As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I requested proper validation of the debt, which includes clear and accurate evidence such as photographs, location data, or any other relevant documentation. Transworld 's failure to provide this verification constitutes a violation of my rights under the FDCPA. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute any inaccurate or unverifiable information and demand that it be corrected.

To date, Transworld has not complied with my request for proper validation of the debt, and this unresolved dispute is causing me undue stress. Therefore, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene and instruct Transworld to immediately cease collection efforts until they provide adequate verification and validation of the debt.

In summary, I am requesting the following : An immediate cessation of collection activities by Transworld Systems Inc. regarding this alleged debt.

A full and proper validation of the debt, including photo evidence or other tangible proof that my vehicle was in violation of HOV lane regulations, as required under the FDCPA and FCRA.

A review of Transworlds practices to ensure compliance with the Fair Debt Collection Practices Act and other applicable consumer protection laws. 
Please feel free to contact me at XXXX or XXXX should you require any further information. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XX/XX/year> internet services with XXXX was cancelled and {$40.00} paid for the internet services used. XXXX  charged us for services for XXXX more month. Spectrum hired a I.C. Systems, a collection agency to collect {$69.00} for internet service after the service was cancelled.

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 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this report regarding the unauthorized and inaccurate reporting of accounts by XXXX XXXX  Delaware and XXXX CARD, both of which violate my rights under the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX Delaware account was reported without my written consent, making it fall under the exclusion section of the FCRA. The FTC defines this as identity theft, which means this account should never have been reported in the first place and must be deleted immediately. Additionally, I never provided written authorization for this account to appear on my credit report, which violates 15 U.S.C. 1681b ( 2 ) Permissible Purpose. This is a clear violation of my rights, and under 15 U.S.C. 1681n, XXXX is liable for damages due to willful noncompliance with the law. The XXXX XXXX account is also being inaccurately reported. On XX/XX/year>, a XXXX representative assured me that once I paid the balance in full, the account would be removed from my consumer report. I fulfilled my end of the agreement, yet the account remains. This is deceptive and misleading, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing false or misleading information to credit bureaus. By failing to honor their own agreement, XXXX XXXX has engaged in unfair and deceptive practices that have harmed me financially. To make matters worse, TransUnion continues to report these accounts, despite clear evidence of their inaccuracy. This failure to ensure the accuracy of my credit report violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. Their reckless disregard for my rights has caused significant harm, including damage to my creditworthiness and financial opportunities. I am requesting the immediate and permanent removal of these accounts from my credit report and written confirmation that they have been deleted. I also urge the CFPB to take enforcement action against TransUnion for their clear violations of the FCRA. Consumers should not have to fight so hard to have inaccurate and unauthorized accounts removed from their reports. This situation has caused me unnecessary stress, and I expect swift corrective action.

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 2025-03-18 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: FL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Company Name : XXXX XXXX  - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX XXXX Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Niagara Central Revenue
State: CA

Complaint narrative:
XXXX XXXX called repeatedly XXXX within XXXX hour stating she is from Niagara Central Revenue Inc on XX/XX/year> to my work number demanding my HR number for my company She was screaming and bullying over the phone. I explained I have no knowledge of this debt. No mail letter. XXXX began to yell at me when I asked her to not call my work number XXXX. She told me NO & Hung Up and Called me again. I asked to speak with her XXXX, she gave me the number XXXX XXXX. I asked XXXX to not call me at work. She told me NO. I asked XXXX to mail a letter in the mail or call my personal number XXXX told me No and Hung Up. I called the main number back XXXX XXXX answered I asked for the XXXX she told me NO. I asked for the email address or mailing address of the company XXXX XXXX told me NO and Hung Up. I called back to let them know i am filing a complaint with CFPB and having a lawyer reach out to their office XXXX XXXX hung Up. 
The XXXX number XXXX To note they did not speak clearly when I asked important questions, they just yelled at me and deflected and hung up and called back. Like where is the debt from. they mentioned i was served that is not true. they mentioned they were garnishing my wages already that is not true.

Company response to consumer: Closed with explanation