vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Td bank had taken my money that I put into the checking account in cash and said that wasnt how I put the money in and when I demanded my money it took them XXXX XXXX  to deal with and when I said as a suggestion that if I came there and took my money you would be upset when my mortgage was due and I paid late fees of XXXX and they called me and I went to there bank and the branch manager closed my account for my first amendment rights to say what I said as a suggesting not to do harm to anyone being a retired XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion has continually violated my rights as it relates to FCRA. I am unable to get disputes submitted in writing and/or over the phone. They continually say that since I am a victim of identity theft, I have to speak with a special department. I have told them in writing that I would like to be removed from the special department because I am unable to dispute the inaccurate items on my credit report. Despite me providing my license, proof of address and FTC Report, they are sending stall letters and not complying with the request from the consumer protection bureau. 

I am unable to obtain my credit score, see my credit report online or enroll in proper monitoring services. I do not want my account to be monitored by their special department because no one calls me back or processes my request over the phone. My financial profile is tainted because Transunion not only refuses to block information, but respond to my phone calls 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 2024-10-27 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I need a debt validation claim showing that I signed a contract with this debt collector according to code 15 usc 1692g. A gull detailed list of the payment on this account and history. I want to see the original signature that I signed personally to this creditor. And any insurance claim on this debt and a chain of title that you have to collect on this debt if not please remove this from my credit report asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. Requires notice : Agencies must notify the public of their record systems. Requires consent : Agencies can not disclose an individual 's record without their written consent. Provides access : Individuals can request access to and changes to their records. Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. Also 15 USC 1602 ( P ) Hard inquires

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 2024-10-27 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within XXXX XXXX XXXX of receipt. XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/2024 without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )

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 2024-10-27 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Dispute Regarding Incorrect Reporting of Collection Account Dear Portfolio Recovery I am writing to formally dispute the status of a collection account that appears on my credit report. This account is incorrectly marked as " open. '' This classification is misleading and inaccurate. 

Since this is a collection account, it should not be reported as " open, '' as it does not represent an active credit line or current access to credit. An accurate status would reflect the account as either " in collections '' or " closed, '' depending on its resolution. 

I kindly request that you investigate this matter and update the account 's status accordingly. If the account was transferred from the original creditor, please ensure the correct reporting is reflected to avoid duplicate entries. 

Enclosed are relevant documents to support my dispute. Please notify me of the outcome of your investigation within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: PA

Complaint narrative:
I was shocked to discover inaccurate accounts suddenly appearing on my credit report today, with no explanation. When I checked as usual, unexpected discrepancies showed up. I tried refreshing my browser, thinking it might be a glitch, but nothing changed. Now, Im requesting that the documents Ive submitted are thoroughly reviewed to prevent this issue from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: PA

Complaint narrative:
I checked my credit report this morning, only to be surprised by unauthorized inquiries that I don't recognize. Despite refreshing my browser in hopes it was a glitch, the unauthorized entries stayed. This is incredibly frustrating, and I am urgently requesting a detailed review of my documents so that I can move on from this concern permanently.

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 2024-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have XXXX companies trying to collect debt that's not valid, and are hurting my credit. These companies are,, lvnv funding,, XXXX XXXX,, XXXX XXXX,, XXXXXXXX XXXX XXXX... I have already been sued from lvnv funding and having my paycheck garnished without my permission..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: PA

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
MOHELA has repeatedly been negligent in processing applications and in communicating about serious loan and application issues since spring XXXX. Details : I have {$66000.00} remaining in student loans, starting from XXXX. My servicer has been MOHELA for some time now. I signed up for the XXXX program in XX/XX/XXXX. Following the steps provided, I consolidated my student loans, and that consolidation went into effect XX/XX/XXXX. However, MOHELA did not inform me of my payments due ( when I checked out of curiosity, I was shocked to find I was overdue on payments, which I quickly paid ), and did not process my XXXX plan application. I can still see my original XXXX  plan application, which has been " in review '' since XX/XX/XXXX, despite my having completed all the consolidation and application steps required in XXXX. I just now RE-APPLIED to the XXXX program, after months of believing I was already in ( since the steps were completed and the consolidation took effect in XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: PA

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: PA

Complaint narrative:
I discovered this morning that my credit report contains unauthorized inquiries, and I am at a loss as to why theyre there. I reviewed my report as I usually do, only to find unexpected discrepancies. I even refreshed the browser, hoping it was just a glitch, but the unauthorized entries remained. Im extremely frustrated and need my documents reviewed thoroughly to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a shocking visit from a case worker for XXXX XXXX XXXX in XXXX. Wells Fargo Bank alerted city authorities that I was unable to manage my finances due to co-payments to a legitimate therapist I was seeing. 

I have already complained to the XXXX XXXX XXXX XXXX XXXX. WHAT RIGHT DOES WELLS FARGO HAVE TO INTRUDE ON MY PRIVACY? 

This is an outrage. I did receive a call from their executive office in XXXX XXXX XXXX from XXXX XXXX. 

I am demanding a formal apology and damages!!!!!!!!!!!!!!!!!!!

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 2024-10-28 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: NY

Complaint narrative:
I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.

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 2024-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX, CitiBank terminated my checking account, which resulted in complications regarding my XXXX XXXX XXXX. Despite the deposit of my XXXX XXXX  check into this account, the bank refused to disburse the funds to me. 

On XX/XX/XXXX, I had a personal meeting with XXXX XXXX, the XXXX XXXX of CitiBank, to discuss the ongoing issue of not receiving my XXXX XXXX check. During our meeting, XXXX XXXX contacted customer service, but the resolution provided was unfavorable to my situation. Consequently, I have faced significant financial difficulties due to CitiBank 's refusal to release my XXXX XXXX funds, leaving me unable to pay my bills. 

After an agonizing 4 months, and threats, I was able to receive my XXXX XXXX check, on 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 monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
They contacted me a couple years ago about a debt that I had with XXXX XXXX but the debt was paid a year before they where bought out when they contacted me and offered me a lower offer to clear the debt so I took that offer and settled then a year later portfolio recovery starts contacting me with no record of that being paid and that I owed the full amount then our home burnt down and Im unable to locate that offer letter and the confirmation so I told them all of that and they continue to call me every day 3 times a day weekends and everythings early morning late night and its so frustrating

Company response to consumer: Closed with explanation