vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: TN

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam of CFPB Complaint/Dispute Department XXXX XXXX would like to draw your attention to the complaint letter of XX/XX/year>. 
- I had sent it for your attention, in which I clearly stated how I was affected personally, psychologically and financially by the scam of XXXX and XXXX. 
However, it is over 60 days and I have yet to receive a response regarding my claim. This really doesn't show your complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against TD Bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable person who fell victim and lost all the savings due to the misconduct of the bank. 
Banks and other Payment Services Providers ( PSPs ) do have a duty to protect people against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. 
TD Bank could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. The treatment from TD Bank compounded by XXXX  and XXXX and has left me in the awful situation I now find myself in. 
During the course of our relationship, TD Bank failed to help me, as their customer. 
I believe I am fully entitled to compensation from TD Bank and that they are to be held responsible according to the following : 1. Protect people from financial harm as a result of fraud or financial abuse.

2. The red flags surrounding my transaction should have raised alarms with TD Bank as the transactions were substantial and TD Bank could have easily prevented them.

3. There were no similar transactions in the 12 months prior to my victimization by the scam scammer ( s ).

4. A fair and reasonable outcome that TD Bank reimburses me.

I have attached my complaint letter for your perusal, your prompt attention to this matter would be greatly appreciated! 

XX/XX/year> XXXX regards, XXXX XXXX XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: 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 2024-12-05 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: TN

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-09 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: NY

Complaint narrative:
This is my last time sending your company this letter in regards to these accounts I sent a letter XXXX  months ago, I noticed these accounts that are fraudulent are still reporting. please check your record of my past dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
Instances of lateness on my account are rare, as I have a track record of being a responsible and timely payer.

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 2024-12-05 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: MD

Complaint narrative:
Instances of lateness on my account are rare, as I have a track record of being a responsible and timely payer.

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 2024-12-05 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: SC

Complaint narrative:
I am a victim of XXXX  trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I would like to file a complaint against XXXX ( Formerly Uplift ), due to this company ruining my credit. They reported my account as XXXX days late in error, which caused my credit to go down over XXXX points. I was previously advised by a representative ( XX/XX/XXXX ), that I was being placed on the hardship program, which would change my due dates. I made a payment in XXXX & XXXX. I received an email stating my final payment of {$120.00} would be due XX/XX/XXXX. I made the final payment on XX/XX/XXXX. I spoke with a representative that day and was informed my account was over 30 days late and would be reported to the Credit Bureaus. I informed the representative that I never received any correspondence stating my account was behind and that I was told my due dates changed. She advised me to call back in a few weeks to have them remove the negative report. XX/XX/XXXX is when it was reported to the Credit Bureaus. I reached out to Uplift numerous of times to resolve the issue to not avail. In addition, I filed a complaint through the Better Business Bureau but Uplift would not assist me. I advised Uplift to listen to the phone conversations, as they would hear the representative state my dates have changed. The company wrongfully and purposely submitted the negative report to the Credit Bureaus, which is affecting me from making certain purchases. Upon further investigation, I noticed the company received many complaints from others via Better Business Bureau. I hope this matter can be resolved. I have attached some documents for verification. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TN

Complaint narrative:
These inquiries appear to have been made without my authorization and may be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
In an effort to resolve a matter between myself and the company XXXX XXXX XXXX, the company has terminated collection efforts on the debts for account # XXXX & # XXXX and requested the credit bureaus delete the tradelines. However, it has not been done yet. I have attached a copy of the CFPB complaint where the company has agreed to delete the trade-lines. I am asking that Equifax use the company 's response from CFPB to move forward with deleting the accounts that were not deleted yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is Fraudlulent, from XXXX XXXXXXXX XXXX XXXXXXXX and is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
This was an item I do have XXXX that is correct. I was trying not to overdo but find out if it was during the same time frame as other places on all XXXX reporting agencies so I only wanted to ask. I in this area had mail at my residence. If it was a different timeframe it is possible but if it has no impact I can not know if as with other places if it is opened by someone with my information. It is possible but if it does not impact either way I am unsure. Meaning likely not. But if they do have something that shows that it was mine that is fine. Not a complaint but unlikely to have more than XXXX in same area if same time frame as mentioned it would be before legal name change. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NV

Complaint narrative:
I am filing this complaint regarding an alleged debt reported by XXXX XXXX XXXX and reflected on my Equifax credit report. I have no knowledge of this debt and have not been provided with any documentation to validate its legitimacy, despite my repeated efforts to dispute this matter. The continued reporting of this unvalidated collection account is in violation of federal credit laws and is causing undue harm to my creditworthiness. 

Violations of Credit Laws Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g Under the FDCPA, I have the right to request validation of any alleged debt. XXXX XXXX XXXX is required to provide clear documentation, including the original creditor 's information, the amount owed, and proof of my responsibility for the debt. 
Despite my requests, XXXX XXXX XXXX has failed to validate the debt, yet they continue to report it to Equifax. This constitutes a violation of my rights under the FDCPA. 
Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i and 1681e ( b ) Under FCRA 1681i, Equifax is obligated to investigate and correct any inaccuracies in my credit report when notified. My dispute regarding this unvalidated account has not been adequately addressed.

Additionally, under FCRA 1681e ( b ), Equifax is required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. By allowing XXXX XXXX XXXX to report unvalidated debt, Equifax is failing to uphold this obligation. 
Harm to Consumer Credit The inclusion of this unvalidated collection account on my Equifax credit report creates a misleading and inaccurate representation of my credit profile. This has resulted in a significant negative impact on my credit score and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

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 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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX unauthorized charges were withdrawn related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the charges and received a replacement debit card. After XXXX investigations by Wells Fargo, my claim was denied. I also contacted XXXX, and they have no record of these charges.

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 monetary relief
Consumer complaint received 2024-12-05 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:
These inquiries appear to have been made without my authorization and may be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.

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 2024-12-05 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:
These inquiries appear to have been made without my authorization and may be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received a call from someone purporting to be a WELLS FARGO employee following up on suspicious activity on one of my accounts. I allowed the person to have access to my XXXX. Without my contemporaneous knowledge they transferred {$9500.00} as cash advance from my credit card to my checking account and completed a wire transfer in the amount of $ XXXX before my son convinced me the call was fraudulent and I hung up. WF denied my claim and initially and following a complaint by me. I have received letters informing me of this but not the documentation of the basis for the denial requested by me.

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 2024-12-05 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: CA

Complaint narrative:
My account with XXXX XXXX, AND XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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