vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NE

Complaint narrative:
XXXX XXXX Concora Credit ( Destiny Mastercard ) Unfair Practices Regarding Returned Payment, Failure to Communicate, and Refusal to Address Late Payment Dear Federal Trade Commission, I am writing to file a formal complaint against Concora Credit, the issuer of my Destiny Mastercard, for unfair practices, inadequate communication, and a refusal to address a late payment stemming from extenuating circumstances. These actions have significantly damaged my credit standing. 

On XX/XX/2023, I was involved in a severe car accident that resulted in significant spine injuries requiring extensive hospitalization and treatment. You will find attached copies of my medical records to document this. During my hospitalization, a payment on my Destiny Mastercard was returned. I have a longstanding history of on-time payments with this account and had never missed a payment prior to this incident.

Concora Credit failed to take any reasonable steps to notify me of any returned payment. I only became aware of the issue after the payment was more than 30 days past due. Upon discovery, I immediately contacted Concora Credit and provided comprehensive medical documentation to explain the circumstances.

Despite being made aware of my medical situation, Concora Credit has refused to remove the negative late payment reporting from my credit history. This has had a detrimental effect on my financial wellbeing.

I believe Concora Credit engaged in unfair practices by : Failing to Exercise Due Diligence : Not making any effort to contact me regarding any payment, despite my previously consistent payment history.

Disregarding Hardship : Lacking any process to meaningfully address extenuating circumstances like severe medical emergencies, leading to immediate negative credit reporting.

Insufficient Resolution : Refusing to rectify the late payment reporting even after acknowledging the extenuating circumstances.

I request that the Federal Trade Commission investigate this matter and compel Concora Credit to remove the negative remarks associated with this incident from my credit report. Their actions have caused undue stress and financial hardship during an already challenging time.

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Target TD bank closed my account under fals pretenses. I called multiple times and reported fraudulent charges on said account. Target stated that this wasn't an act of fraud or identity theft after I explicitly stated that the charges were not mine. Target then continues to ruin my credit and cause me and my family harm by falsely reporting to the credit agencies. Target TD bank have caused me great harm and have failed to uphold their fiduciary duties to protect my identity. In accordance with the Fair Credit Reporting Act, they have violated my rights. Pursuant to 15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : I was also notified of my privacy being infringed on and my information being exposed, again I HAVE THE RIGHT TO PRIVACY pursuant to the privacy act of 1974. Pursuant to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am aware that Target sales and trade receivables on the secondary market. According to their 10k form Also on pg 16 of the 10k form it states that " No recourse under or upon any obligation, covenant or agreement of this Indenture, or of any Debt Security or any coupon, or for any claim based thereon or otherwise in respect thereof, shall be had against any incorporator, stockholder, officer or director, as such, past, present or future, of the Company or of any successor corporation, either directly or through the Company, whether by virtue of any constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise ; it being expressly understood that this Indenture and the obligations issued hereunder are solely corporate obligations of the Company, and that no such personal liability whatever shall attach to, or is or shall be incurred by, the incorporators, stockholders, officers or directors, as such, of the Company or of any successor corporation, or any of them, because of the creation of the indebtedness '' I am aware that this account is a certificate of indebtedness and Target has no right to report it negatively on my report, nor did they have the right to close this account. 

The indenture and the Issuer are required to perform as specified in your Indenture and in your prospectus. Additionally, it is in my understanding that you are selling my securities on the secondary markets even though in your prospectus you specifically state you dont. I WILL BE FORCED TO REPORT YOU TO SEC FOR SECURITIES FRAUD. Alongside the report I will include a FORENSIC FINANCIAL SECURITIZATION AUDIT OF MY Account if this is not rectified immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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:
There is information that on my consumer report that is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood has froze my account. I would like to close my account and retrieve my funds and I can not make a withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name AMERICOLLECT INC Account Number XXXX Account Name AMERICOLLECT INC Account Number XXXX

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 2024-03-14 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I do not owe this debt to XXXX  XXXX XXXX, it was a fraud check that was deposited due to a scam. They are reporting improper information on my XXXX  report and I have tried over and over to resolve it I even tried a pay for deletion, I paid one but they did not delete off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I do not owe this debt to XXXX  XXXX XXXX, it was a fraud check that was deposited due to a scam. They are reporting improper information on my Chexsystem report and I have tried over and over to resolve it I even tried a pay for deletion, I paid one but they did not delete off 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 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are XXXX inquiries on my report that do not belong to me, I called XXXX the creditors, XXXX XXXX XXXX XXXX  they looked up my social, date of birth, name and said they can't see anything listed for me. I said how can that be then it's an error I asked them to remove it and they told me to call credit bureaus back. I need your help.

Next, I gave auto company authorization to run my credit and they sent it to XXXX companies that i had no knowledge of. This makes no sense and I have no other outlets. 
Also, I had fraud alert and Active-duty status on my credit profile until yesterday XX/XX/year>. I am not sure how some of these creditors got through without extra verification, but i would like something done or some help. 

Thank you kindly, XXXX XXXX XXXX XXXX

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 2024-03-14 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.

Complaint narrative:
This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX MI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$880.00} XXXXXXXX XXXX  XXXX Balance Owed : {$33000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$33000.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

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 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased a used vehicle from Toyota of XXXX on XX/XX/XXXX. I had already been fully approved by XXXX XXXX XXXX for my car loan and I provided its written proof. 
Despite this fact, the dealership insisted on pulling my credit. I refused. After my refusal, Toyota of XXXX management told me they would only complete a soft pull, which should not affect my credit score, and that I could not leave with my car unless this process was completed. I therefore reluctantly agreed. As I suspected, a hard pull now shows on my XXXX Credit Report and thus my XXXX XXXX lowered. I reached out to XXXX to complain and they said they cant fix unauthorized inquiries without a written confirmation from the originator. Toyota of XXXX management refuses to reply to my email request to get this matter fixed. 
I am a knowledgeable consumer fully aware of my rights, and yet Toyota of XXXX was still able to trick me. I am very concerned about the underprivileged minority client base that dealership has as I am certain many credit reports are pulled without proper consumer understanding of the matter or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.

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 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit 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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, I am writing to file a formal complaint against Equifax regarding their failure to delete a disputed debt from my credit report. The debt in question stems from identity theft, and despite my repeated attempts to dispute its validity, XXXX has failed to take appropriate action.

According to the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt to be sold or transferred without the debtor 's consent. As this debt is a result of identity theft, it is imperative that Equifax follows the necessary procedures outlined in the FDCPA to rectify this issue promptly.

I have provided all necessary documentation and evidence to support my claim of identity theft, yet Equifa has neglected to uphold their obligations under the law. If the correct actions are not taken this time to rectify the situation and delete the disputed debt from my credit report, I will have no choice but to pursue litigation to ensure my rights are upheld and the matter is resolved appropriately.

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against Equifax for their failure to comply with the FDCPA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: ID Analytics, Inc.
State: FL

Complaint narrative:
XXXX is reporting unknown credit accounts. Requested documentation over the last year with no results XXXX XXXX XXXX XXXX XXXX  Child Support

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am writing to formally dispute the entry of the auto voluntary repossession on my credit report, as per the provisions outlined in the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681 a ( 2 ) ( B ), which details exclusions from a consumer report. 

Under this statute, any credit transaction that should be excluded from a consumer credit report includes instances where a social security card was used in the transaction. It has come to my attention that the entry regarding the voluntary repossession of my vehicle is in direct violation of this provision. 

I assert that the transaction in question involved the use of my social security number and therefore should not have been reported to any credit reporting agency. As such, I am requesting immediate removal of this entry from my credit report. 

I have enclosed copies of relevant documentation supporting my claim, including proof of the use of my social security number in the transaction. I kindly request that you investigate this matter promptly and take the necessary steps to rectify the inaccuracies on my credit report. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: KY

Complaint narrative:
I provided all necessary documents to support my human trafficking victim block request and yet the bureau refuses to remove the adverse information that occurred due the trafficking. My documents have been accepted by multiple other credit reporters and they have removed the information from their reports however Equifax will not comply with the law. I've provided a copy of the documents that were sent to all of the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
If Experian can not provide documentation of the wet ink signature for the original contract for the accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete the 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 explanation