vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I made a cash deposit at the ATM at XXXX XXXX XXXX in XXXX md XXXX on XXXX the XXXX 2025 for XXXX dollars and was only credited XXXX i filed a complaint with TD Bank they denied my claim the same day there's no way they did an investigation that fast. I made another deposit at the same location same ATM on XXXX the XXXX 2025 for XXXX and I was only credited XXXX dollars they also denied that claim TD bank is known for denying all ATM claims without a legitimate investigation this has happened in the pass and i followed up with TD Bank and showed proof I even went into the branch like I was told and still was denied with some previous conversations with someone from customer service told me that the new ATM machines causes alot of problems there was more said in that conversation from customer service that would validate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NC

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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This section of the law requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. On XXXX, XXXX XXXX I wrote the company above to obtain the 1099 C, Like the IRS advised I do. I have not. The information is not correct due to the fact that this is reportable income, and since income is not suppose to be reported on consumer credit report. 
IRS Guidance on Charge-Offs Over {$600.00} Cancellation of Debt as Income : If a lender cancels or forgives a debt of {$600.00} or more, the IRS typically considers the forgiven amount as taxable income for the borrower. 
The lender is required to report this canceled debt to the IRS using Form 1099-C ( Cancellation of Debt ) The lender will send the borrower and the IRS a copy of Form 1099-C, which details : The amount of debt canceled.

The date the cancellation occurred. 
Borrowers must include this amount in their gross income on their tax return unless they qualify for an exclusion. 
Tax Reporting :. Failure to report this income could result in penalties or additional taxes.

I am trying to get my life together after being a victim of XXXX XXXX and this is making it very difficult for me obtain decent life with basic human needs. The only think I would like is the form I'm suppose to have to I don't have any surprises.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
They said they fixed my credit and deleted things that was on there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the Consumer Financial Protection Bureau 's ( CFPB ) assistance regarding an issue with TransUnion, one of the three major credit reporting agencies. Recently, I discovered that TransUnion has deleted my credit report from their system without any notification or explanation. This unexpected deletion has significantly impacted my financial standing and ability to access credit. 
The deletion of my credit report has led to the removal of all my credit history, including negative accounts that were inaccurately reported. I believe this action violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete credit reports. 

Transunion never had my permission to place my credit under the Fraud Victim Assistance Department.

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 2025-01-08 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: VA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: VA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 :

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 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD SYSTEM INC was notified as a debt collector in writing that the consumer refuses to pay the debt and that the consumer wishes the debt collector to verify the alleged debt or cease further communication with the consumer. TRANSWORLD SYSTEM INC, shall not communicate further with the consumer with respect to such debt. I respectfully requested that their offices provide competent evidence as per the attached Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt. They needed to show proper validation of this alleged debt and if this was not provided within 30 calendar days of receiving the notice, everything mentioned stands as truth, and the alleged debt is said to be invalid. FDCPA CODE Violations Committed By the Following Company TRANSWORLD SYSTEM INC 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My VOD request was made via phone to XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX after my dispute of XXXX XXXX XXXX XXXX XXXX  Acct XXXX was submitted directly to the bureaus ( XXXX XXXX XXXX and Equifax ) on XX/XX/XXXX. I received a letter back yesterday ( XX/XX/XXXX ) from Equifax stating that my dispute was rejected on the ground that Equifax is choosing to consider this a frivolous dispute and they will not investigate further. 

This is ILLEGAL according to FCRA Rule 1006.34 Notice for validation of debts! The federal government grants me, as a consumer, the right have this debt investigated and validated with specific data ( including itemized transaction history, proof that the creditor has the right to collect in my state, and copies of the original contract with my signatures, as applicable ). 

I have received NOTHING from either XXXX/ XXXX XXXX  nor Equifax AT ALL placing both organizations in direct breach of federal protection laws!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I am writing to formally dispute and address the ongoing issue of an erroneous debt appearing on my consumer report, which I believe is a result of identity theft. Despite my efforts to resolve this matter, the debt remains on my report, and this has caused significant stress and harm to my livelihood and reputation. 

I have followed the proper procedures to dispute this debt and provided the credit reporting agencies ( CRAs ) with comprehensive documentation, including : An FTC Identity Theft Report. 
A signed 605B letter explaining my situation. 
A copy of my government-issued ID. 
A recent utility bill to verify my address. 
A copy of my Social Security card. 
I sent these documents via certified mail in two separate submissions to ensure their receipt. Despite this, the CRAs have not removed the erroneous debt from my report. 

As a result of this unresolved error, I have faced : Denial of housing opportunities, including being rejected for an apartment application. 
Significant stress and harm to my quality of life. 
Damage to my reputation due to the presence of this inaccurate information. 
This situation has become untenable, and I am requesting immediate action to remove this erroneous debt from my consumer report. I have provided all required documentation to prove that this debt is not mine and that I am a victim of identity theft. I urge the credit reporting agencies to comply with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this error promptly.

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 2025-01-08 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: NC

Complaint narrative:
I am writing to formally dispute and address the ongoing issue of an erroneous debt appearing on my consumer report, which I believe is a result of identity theft. Despite my efforts to resolve this matter, the debt remains on my report, and this has caused significant stress and harm to my livelihood and reputation. 

I have followed the proper procedures to dispute this debt and provided the credit reporting agencies ( CRAs ) with comprehensive documentation, including : An FTC Identity Theft Report. 
A signed 605B letter explaining my situation. 
A copy of my government-issued ID. 
A recent utility bill to verify my address. 
A copy of my Social Security card. 
I sent these documents via certified mail in two separate submissions to ensure their receipt. Despite this, the CRAs have not removed the erroneous debt from my report. 

As a result of this unresolved error, I have faced : Denial of housing opportunities, including being rejected for an apartment application. 
Significant stress and harm to my quality of life. 
Damage to my reputation due to the presence of this inaccurate information. 
This situation has become untenable, and I am requesting immediate action to remove this erroneous debt from my consumer report. I have provided all required documentation to prove that this debt is not mine and that I am a victim of identity theft. I urge the credit reporting agencies to comply with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this error promptly.

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 2025-01-08 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: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/XXXX I lost my credit card and was not aware of it until XX/XX/year>. During that time charges came through from XXXX XXXX XXXX XXXX XXXX MD for {$390.00} and again on XXXX XXXX MD for {$830.00} XXXX 
During that time, I had a charge from XXXX XXXX on XXXX XXXX, MD for {$520.00}, along with XXXX  XXXX XXXX XXXX MD for {$750.00} and on XXXX another charge for XXXX  of {$130.00}. 
I reached to all three companies requesting more information.

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 2025-01-08 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Report # XXXX for Experian despites multiple attempts to have address removed Experian has denied my request which violates my rights under applicable laws and regulations additionally I am a participant in XXXX XXXX XXXX  which further necessitates the protection of my personal information, these addresses no longer apply to me and pose a risk to my safety and privacy Experian refusal to remove these addresses constitutes a violation of FCRA 15 U.S.C. 1681i ( a ) under civil liability noncompliance 15U.S.C. 1681o im due for compensation

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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