vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
On XX/XX/2024 i responded to a offer of {$7000.00} credit line with 0 % XXXX for XXXX  months, the offer was accepted, upon reaching out to confirm offer i was told a XXXX was sent with a {$700.00} credit limit 30.90 % XXXX along with {$170.00} balance. I checked the balance and called to inform them of the problem, i was told to send a fax copy of the offer to confirm in which i sent XX/XX/2024. I later called several times and was told there was an pending investigation. I called to confirm i was not going to activate card unless offer was honored and if not i would call XXXX  and Federal Trade to help in assisting me with this matter. I was also told by last representative since i did not activate card i would not be responsible APR or balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
According to section 605B of the Fair Credit Reporting Act, consumer reporting agencies are required to remove or block information that was deemed incorrect as a result of identity theft no later than XXXX business days after the receipt of the dispute. 

My information was exposed in the XXXX data breach will resulted in accounts being opened fraudulently, Please remove these accounts asap. 

Attached is a copy of my FTC report and dispute letter.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
According to section 605B of the Fair Credit Reporting Act, consumer reporting agencies are required to remove or block information that was deemed incorrect as a result of identity theft no later than XXXX business days after the receipt of the dispute. 

My information was exposed in the Equifax data breach will resulted in accounts being opened fraudulently, Please remove these accounts asap. 

Attached is a copy of my FTC report and dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
Unauthorized inquiries unexpectedly appeared on my credit report today, and I can not figure out why. While checking my credit as I normally do, I saw these discrepancies that came out of nowhere. Refreshing my browser didnt remove them, which made it clear this is a real issue. Im incredibly upset and demand that my submitted documents be carefully reviewed to ensure this problem is resolved for good.

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 2024-12-18 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: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning and have no idea why they are there. When I checked as I usually do, I noticed discrepancies that were completely unexpected. I even refreshed my browser to rule out a glitch, but the inquiries remained. This is incredibly frustrating, and I urge you to thoroughly review the documents I've provided to ensure this issue is permanently resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX 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 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 XXXX  days before the payment due date. XXXXXXXX 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$740.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3000.00} UNAUTHORIZED INQUIRY : 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 non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Over a year ago I was contacted by Midland Credit Management regarding my outstanding balances on XXXX credit cards- XXXX XXXX and XXXX. At the time I fell behind, I was working at the XXXX and survived XXXX episodes of XXXX. I made arrangements to make payments toward both of these accounts of $ XXXX each. I have kept up my agreement. 

I recently received a letter from Midland saying that they were going to take legal action. I wrote back saying that I did not believe this because I have kept up my bargain. 

Since falling behind on these debts I have gotten a better job. Last night I offered the {$3000.00} to settle these debts. They asked me to give them the money in the promise to pay on XX/XX/year> but were unwilling to put the settlement in writing. 

I have made every effort to pay these debts. This company has not sent me any invoices showing me a validation notice or an itemization iof the account. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have XXXX inquiries on my credit report that should not be on there. XXXX credit bureau is showing XXXX inquiries and another one is showing XXXX. I need the inquiries removed from my credit report due to some type of fraudulent activity.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-18 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: TX

Complaint narrative:
On XX/XX/year> I was charged XXXX USD for what looks like a XXXX news subscription that I did not authorize. I immediately reached out to MyWisely to report the transaction as soon as it posted. 
I spoke to a rep who said that they took my report, canceled my card, sent me a new one. They also stated Id receive a form to sign if I wanted the funds provision to my account ahead of the completion of the investigation. They never sent that and I did not receive it. I also reached out to XXXX  who could not find a subscription under any email or phone number I used. On XX/XX/year> I got an email from MyWisely saying my investigation has been completed and no issue was found and that the investigation was final. Nobody reached out to gather any info of me, I have no pattern of reporting fraud and XXXX has no record of me having a subscription with them. They wont even tell me what steps they took unless I email them and wait an additional XXXX days for a response via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
My account with XXXX  XXXX AND XXXX  was 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 AND 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 2024-12-18 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was 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 AND 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 2024-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Details of the Issue : On XX/XX/year>, a fraudulent charge of {$570.00} was made via XXXX using my TD Bank card ( details attached ). Upon discovering the unauthorized transaction, I immediately secured my XXXX account to prevent further fraudulent activity and reported the charge to TD Bank without delay. 

However, TD Bank declined my fraud claim and rebilled me for the transaction, citing that the card was not used after this charge. The reason my card was not used after the fraud occurred is precisely because I proactively secured my account and took all necessary steps to prevent further misuse. 

Violations and Concerns : 1. Failure to Investigate in Good Faith : My claim was closed and rebilled on the same day it was reported, indicating no proper investigation was conducted.

2. Zero Fraud Liability Breach : As a cardholder, I am entitled to {$0.00} fraud liability for unauthorized transactions under TD Banks policies and federal consumer protection laws. 
XXXX. Unfair Denial of Claim : My preventive actions ( securing my account ) are being used unjustly to deny my fraud claim, despite clear evidence of unauthorized activity. 

Requested Resolution : I demand a permanent credit of {$570.00} to my account, as this fraudulent transaction was not authorized by me, and TD Bank has not upheld its duty to thoroughly investigate and honor my fraud protection rights. 

Please investigate this matter fully and ensure TD Bank adheres to consumer protection laws and fair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Starting on Sunday, XXXX XXXX I attempted to use my debit card and it was declined due to insufficient funds. I called Navy Federal on Monday, XXXX XXXX to ask them to look into why my line of credit was not being utilized on my recent transactions. 

They notified me that my account was frozen due to a delinquent payment of over 60 days. I disputed the claim and told them I always pay back the checking line of credit as soon as possible so that I have the full amount to use as I wait to be paid ( I get paid every XXXX weeks ). 

They said they would investigate further. They could not find any evidence of delinquent payments on my part and could not determine why my account was frozen. They said they needed to get a supervisor involved to further investigate and if they did not find sufficient evidence they could get my line of credit unfrozen through the back end. 

In the meantime they issued a non-sufficient funds fee for an unsuccessful transaction on XXXX XXXX since my line of credit remains frozen. I still have not heard back from them on the investigation as of XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I checked my credit report this morning, I was devastated to find inaccurate accounts listed, and I have no idea how they got there. Ive been diligent in monitoring my report, and Ive never seen anything like this. Refreshing my browser didnt change anythingthe errors didnt disappear. Please review the documents Ive sent carefully so I can finally feel some peace of mind about this.

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