vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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:
Subject : Complaint Against TD Bank Regarding Fraudulent Charges To Whom It May Concern, I am writing to formally file a complaint against TD Bank regarding their denial of my claims concerning fraudulent charges made on my account. 

On the following dates, I noticed unauthorized charges on my TD Bank credit card account : {$240.00} on XX/XX/2024 {$700.00} on XX/XX/2024 Upon discovering these charges, I promptly reported them to TD Bank, expecting a thorough investigation. However, my claim was denied, and I was informed that the charges were valid. The representative make me feel that I was lying about the charges, which is entirely untrue. 

I have provided all necessary documentation to support my claim, including transaction details and any correspondence with TD Bank. I believe this situation constitutes a failure on the part of TD Bank to address fraudulent activity appropriately and to treat me, their customer, with respect and fairness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 Request for deletion of outdated Personal Information To Whom It May Concern, I am writing to request the removal of outdated personal information from my credit report. I have noticed that some of the names, addresses, employment, spouse and phone numbers listed on my report are no longer accurate, as I have updated my contact details. 

Please delete the following outdated information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 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 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 XXXX XXXX XXXX The only number that should be listed is XXXX. Please delete all others. 

XXXX. I am not a XXXX XXXX. Please delete. I never had a company nor worked for XXXXXXXX XXXX XXXX 
I currently work for XXXX XXXX XXXX XXXX XXXX as a XXXX XXXX 
Address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. I never have been in connection with a person named XXXX. I do not have a spouse named XXXX. Please delete. 

XXXX. My correct name is XXXX XXXX XXXX. Please delete all others. 

Please update my information. Thank 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 Request for deletion of outdated Personal Information To Whom It May Concern, I am writing to request the removal of outdated personal information from my credit report. I have noticed that some of the names, addresses, employment, spouse and phone numbers listed on my report are no longer accurate, as I have updated my contact details. 

Please delete the following outdated information from my credit report : 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 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 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 XXXX XXXX XXXX. The only number that should be listed is XXXX. Please delete all others. 

23. I am not a XXXX XXXX. Please delete. I never had a company nor worked for XXXX 's XXXX 
I currently work for XXXX XXXX XXXX XXXX XXXX as a vice president. 
Address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

24. I never have been in connection with a person named XXXX. I do not have a spouse named XXXX. Please delete. 

25. My correct name is XXXX XXXX XXXX. Please delete all others. 

Please update my information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Central Research Inc
State: WA

Complaint narrative:
My credit has been frozen for around XXXX years with all three bureaus. On XX/XX/year> I was notified that a student loan had been opened utilizing my information. This loan was not for me. They had not done an inquiry on my credit. I disputed the loan with the school that opened it ( XXXX XXXX ) and XXXX XXXX XXXX ( XXXX ). I filed a police report. I filed with the IRS and XXXX, I placed a security fraud notification on my frozen credit files. In early XX/XX/year> I received a notification from XXXX that I had been included in a breach that matched the timeframe that this identity theft activity had begun. That same day, the XXXX loan posted to my credit report. I disputed it with XXXX and followed up with XXXX, who asserted that they had closed the loan, there was a XXXX balance due, and that it would drop off my report. Then I received a letter from them stating that it would remain on my credit report as part of an FCRA decision, and XXXX closed the dispute based on the FCRA decision, leaving it on my report. I have re-disputed, but the decision to leave it was based on " demographic match ''. Of course it matched. It was identity theft. They used MY identity to open it, so it really should match, right? I'm trying to recover from this as well as other recent credit card transactions that aren't mine, etc., and I would really like this to be removed from my credit report, as the parties involved have all agreed it was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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:
Under the Fair Credit Reporting Act, I am disputing the following accounts on my credit report because they appear without my written authorization : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Basis for Dispute 15 U.S.C. 1681 Section 602A : Ensures my right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : States that my information can not be included without my written consent.

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 2024-11-02 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:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My phone was stolen and whoever took it used my attached digital cards to pull out totals up to XXXX XXXX dollars in XXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX - {$980.00} XXXX XXXX  withdrawal - {$500.00} XXXX XXXX  withdrawal XX/XX/XXXX - {$400.00} XXXX XXXX withdrawal XXXX - {$400.00} XXXX XXXX withdrawal - {$400.00} XXXX XXXX  withdrawal - {$300.00} XXXX XXXX withdrawal - {$1000.00} XXXX XXXX withdrawal Pending charges- XXXX {$1000.00} XXXX XXXX withdrawals- {$500.00} XXXX XXXX  withdrawal - {$300.00} XXXX XXXX  withdrawal Bank account is now sitting with a negative balance because of all of these fraudulent transactions not made by me XXXX XXXX the account holder.

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 2024-11-02 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: FL

Complaint narrative:
I am writing to request the removal of fraudulent accounts from my credit report due to a recent data breach in which my personal information was compromised. As a victim of identity theft, I am seeking to have these accounts blocked and permanently deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX - XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX XXXX XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$25000.00} XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$590.00}

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 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Formal Request for Account Information and Compliance with the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX Customer Service Team , I am writing regarding my account, which begins with the number XXXX. I have a contract with XXXX XXXX, a debt relief company, to assist in negotiating and resolving this debt. XXXX XXXX has made several attempts to contact your office on my behalf, but they were informed that the account has been transferred to Elan Financial Services. 

As a consumer, I am entitled to clear communication regarding any changes in account servicing or management. As of this letter, I have not received any notification from XXXX XXXXXXXX XXXX XXXXXXXX this transfer, nor have I been provided with new contact details or account information with Elan Financial Services . 

Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I am formally requesting that you provide me with the following : Confirmation of the transfer of my account to Elan Financial Services, including the date of the transfer. 
Any updated account number associated with Elan Financial Services.

Contact information for Elan Financial Services, including any representative assigned to handle my account, to facilitate my and XXXX XXXX communication with them. 
Under the FCRA, creditors are required to provide accurate and complete information to consumers regarding account status, servicing changes, and any associated transfers. Failing to inform a consumer of such changes could be considered a violation of these rights. 

Please provide the requested information within 14 days of receiving this letter. This will allow me to take the necessary steps to resolve the debt as responsibly as possible. I look forward to your prompt response and cooperation in this matter.

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 2024-11-02 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: PA

Complaint narrative:
Please view attached as there is information on my report that does not look right. Please verify the reporting of these items

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
1. I was trying to unfreeze my account to secure a new credit card.

2. I was able to get this done with the other accreditation agencies with the exception of Experian. I was simply not able to login to my online account.

3. The automated service provided links to fix the problem, but nothing worked. 
XXXX. I tried several time to speak to an agent by calling their phone numbers provided ( XXXX, XXXX, XXXX ) and ended up with the automated system with no option to talk to an agent. I spent over three hours trying to address this issue by calling the different numbers listed above and getting same results.

5. My phone record would show that I called during the week and during normal business hours.

6. Again, none of the information provided by the automated system worked. At the same time, the automated system does not provide an option to speak to an agent, they simply hangup.

7. This process should not be that difficult. The other two agencies provide direct support through an agent if needed.

8. I was informed that the credit card will not be approved until I get this issue resolved.

Experian must provide consumer support in cases where the automated system does not work. Other agencies do it to support their customers. 

Thanks for your support! 
Frustrated Experian Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I found a collection notice on my credit bureau from a company I never heard of, never received any communication via phone, mail or email. Additionally, I do not even have an account with the company they claim the collection is related to. I was able to dispute this on XXXX and they removed it, however XXXX and XXXX would not remove them despite my dispute and no proof of debt being provided. This information has impacted both my personal and business credit causing me to lose a business line of credit over a fraudulant debt collection that I do not owe or ever related to. My information has been victim to multiple data breaches and I believe that this may be related or they are using it to fraudulantly collect under false pretense. The company information is : AMSHER COLLECTION XXXX Address XXXX, AL XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$140.00} Balance updated-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: ADP Inc.
State: CA

Complaint narrative:
Received message from card company asking if some charges where authorized by me. I replied no there where not. The card company sent me letter stating no fraud was committed. I replied back with letter stating it was obvious fraud. No reply. 
I called to check status, they stated they couldn't find said letter. I emailed my frustration, still waiting a reply. There was a charge of {$55.00}, then XXXX charges of {$140.00} then it stopped.Please help me in my situation. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ID

Complaint narrative:
I have received messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time stating that my repayment schedule has changed. Changing my schedule multiple times per week and XXXX times in 13 days is beyond ridiculous. I feel that no one knows what is going on and have a hard time trusting any information that I receive. I have no clue how much to pay or not as I keep getting past due notices without receiving prior notices that any amount is due, and have also been told that my loans are in forbearance without any amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: MN

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed 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 explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I was told by a case earlier that I would be able to receive the money in my Venmo account up to 180 days later. But today is 180 days since the transaction and I still dont have the ability to transfer out my funds. I have proof of what the Venmo representative said in the last case, Ive waited a very long time to access my own money and this service chooses to hold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My account was closed without my authorization I have 3 AMEX Cards 1. XXXX XXXX XXXX XXXX  PAID 2. XXXX XXXX} Annual Fee PAID 3. XXXX XXXX I earned XXXX of points and all my points have been stolen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 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: WY

Complaint narrative:
The following accounts are reporting as charged off on my credit report and have not sent me a 1099c and this is violation of 15usc1681e ( b ) please remove these accounts from my credit report as soon as possible # XXXX XXXX account XXXX XXXX  account XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX I have also filed an ftc report # XXXX because my x wife used my social security number with out my permission while I was in XXXX  in XX/XX/2021 and also I was victim of a data breach/identity theft.please remove the aforementioned accounts from my credit report.i have sent XXXX dispute letters to XXXX XXXX and equifax since I found out my identity was stolen.these accounts are stopping me from obtaining a home and a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have contacted them on XXXX to request a validation letter where my name is included the amount which Is XXXX $ they said they will send it they never did or responded

Company response to consumer: Closed with explanation