vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Subject : Formal Complaint Against TD Bank for Harming Small Businesses To Whom It May Concern, I am filing this complaint to urge the Consumer Financial Protection Bureau to investigate TD Banks harmful practices, which are putting small businesses at risk. My account, in good standing for over 14 years, was frozen without notice after a routine payment was falsely flagged as " fraudulent. '' Despite resolving the issue with my local branch, my account was frozen again, disrupting payroll, vendor payments, and daily operations. Resolving this issue ultimately required escalation to the CEO 's office and wasted over 15 hours of my time.

TD Banks arbitrary actions and lack of transparency have caused significant financial hardship to my small business. Such practices not only violate the trust of their customers but may also breach regulatory standards. It is critical to hold TD Bank accountable and ensure they operate within regulations to prevent further harm to small businesses.

I respectfully request that the CFPB take swift action to investigate TD Banks conduct and impose measures to protect small businesses from such damaging practices.

Please see my original email to TD Bank CEO 's office : Dear XXXX XXXX, Re : Account # XXXX I am writing to report a deeply concerning incident with your bank. My bank account was frozen without any prior notice, causing significant disruptions. Below is a detailed timeline of events : XX/XX/2024 : I made an online payment to XXXX for {$9100.00}, as I have done annually for the past 14 years. However, after this transaction, my account was locked for " fraudulent activities. '' Despite this being a routine payment, the bank deemed it necessary to " protect '' me this year. I visited my local branch, where the manager assisted in restoring access to my account on XX/XX/XXXX. 
XX/XX/2024 : I encountered error messages while attempting online payments. 
XX/XX/2024 : I received a phone call from TD Bank stating that there was fraudulent activity on my account. However, no details were provided, and I was advised to contact my local bank manager. 
XX/XX/2024 : My local bank manager informed me that my account was frozen again due to suspected fraudulent activity and provided an XXXX number to call. 
XX/XX/2024 : Upon calling TD Bank, I was informed that the payment to XXXX on XX/XX/XXXX was still considered fraudulent. My account has now been permanently frozen.

This situation is highly disruptive. I run a small business, and my account receives automatic payments from insurance companies. Freezing my account jeopardizes these payments, hindering my ability to pay employees and cover essential expenses.

I respectfully request that you urgently reactivate my account to avoid further impact on my practice and my patients.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were th goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.

Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt.

Letter of sale or assignment from the original creditor to your company. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX  Balance : {$21000.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$530.00}

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 2024-12-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX has garnished my wages for almost {$4500.00}. This debt was from over 3 years ago. In NY they have 3 years to collect the debt. There was nonpayment in over 3 years. They should not be garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Requested XXXX, XXXX, and Experian free reports through annualcreditreport.com. 

XXXX and XXXX complied with the LAW and provided my reports. 

EXPERIAN DID NOT, TWICE.

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 2024-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I sent them the police report of the identity theft and they still is not blocking this information to being reported to them. I demand for them to follow the credit laws and block or delete those accounts off my credit report with them. I have already disputed the account just need your help so they do what they suppose to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I am trying to withdraw my money from my XXXX XXXX. I get to the last step, stating " complete transaction '', when the application requests my photo and Drivers License photo, I have submitted my ID and live photo, to which the app states, " sorry, we can not confirm '' - The next step is to contact customer service, which is online only. The chat states open and the message XXXX XXXX We'll notify you when an agent joins. However, an agent never joins. I have tried now for XXXX days and been waiting on the current chat for more than XXXX hours without success. I searched the customer service phone number and it states to use the online chat only. 
This began on Friday, XX/XX/XXXX at XXXX XXXX  XXXX and has continued without resolution as of XX/XX/year>XXXX XXXX XXXXXXXX XXXX  XXXX. I can still make minor settings changes to my abbount and XXXX will immediately email me of the change. However, they will not allow me to access my money. Strangely enough, they will still allow me to deposit money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-11 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: MOHELA
State: GA

Complaint narrative:
Accounts with Issues : XXXX  ( Account # : XXXX ) Status : Closed. 

Issue : Account lists " Paid satisfactorily '' but includes incorrect payment history reflecting late payments during periods marked as " OK. '' This may violate FCRA 609 ( b ) concerning accurate reporting. 

XXXX ( Account # : XXXX ) Status : Open. Issue : High balance ( {$1200.00} ) compared to a credit limit of {$7500.00} but marked " OK. '' This could be flagged for excessive utilization ina
ccurately affecting credit scores. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX ( XXXX, XXXX, XXXX ) Status : Seriously past due/ assigned to attorney or collection agency.

Issues : Discrepancy in account type : Listed as " Open account '' with XXXX and " INSTALLMENT '' with XXXX. 

Past due balance of {$1100.00} across all bureaus flagged as " collection account, '' but no payments are reflected in the two-year history.

Violates FCRA 609 ( a ) ( 1 ) due to inconsistent reporting and FCRA 607 by potentially misclassifying the account.

Non-Account Holding Inquiries : XXXX XXXX  ( Date : XX/XX/year> ) - XXXX XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX XXXX XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX, XXXX These inquiries are unauthorized and may violate FCRA 604 ( c ) by failing to meet permissible purpose criteria.

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccuracies and Unauthorized Inquiries in My Credit Report Dear CFPB, I am writing to formally dispute inaccuracies and unauthorized inquiries on my credit report as obtained from XXXX, XXXX, and XXXX. Below, I detail the specific issues : 1. Inaccurate Account Reporting : XXXX  ( Acct # : XXXX ) : Discrepancies in payment history suggesting incorrect reporting. 

XXXX ( Acct # : XXXX ) : Unreasonably high credit utilization flagged as " OK. '' XXXX XXXX XXXX ( Acct XXXX : XXXX ) : Discrepancies in account type and reporting of past due balance without supporting payment history. 

2. Unauthorized Inquiries : XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) These inquiries lack permissible purpose and violate the Fair Credit Reporting Act ( 604 ).

Requested Resolution : Deletion of inaccurate and unauthorized items from my credit report.

Compensation of {$1000.00} per violation under FCRA provisions.

Confirmation of resolution in writing.

Thank you for addressing these matters promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Accounts with Issues : XXXX ( Account # : XXXX ) Status : Closed. 

Issue : Account lists " Paid satisfactorily '' but includes incorrect payment history reflecting late payments during periods marked as " OK. '' This may violate FCRA 609 ( b ) concerning accurate reporting. 

XXXX ( Account # : XXXX ) Status : Open.

Issue : High balance ( {$1200.00} ) compared to a credit limit of {$7500.00} but marked " OK. '' This could be flagged for excessive utilization inaccurately affecting credit scores. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX ( XXXX, XXXX, XXXX ) Status : Seriously past due/ assigned to attorney or collection agency. 

Issues : Discrepancy in account type : Listed as " Open account '' with XXXX and " INSTALLMENT '' with XXXX. 

Past due balance of {$1100.00} across all bureaus flagged as " collection account, '' but no payments are reflected in the two-year history.

Violates FCRA 609 ( a ) ( 1 ) due to inconsistent reporting and FCRA 607 by potentially misclassifying the account.

Non-Account Holding Inquiries : XXXX XXXX ( Date : XX/XX/year> ) - XXXX XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX XXXX XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX, XXXX These inquiries are unauthorized and may violate FCRA 604 ( c ) by failing to meet permissible purpose criteria.

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccuracies and Unauthorized Inquiries in My Credit Report Dear CFPB, I am writing to formally dispute inaccuracies and unauthorized inquiries on my credit report as obtained from XXXX, XXXX, and XXXX. Below, I detail the specific issues : 1. Inaccurate Account Reporting : XXXX ( Acct # : XXXX ) : Discrepancies in payment history suggesting incorrect reporting. 

XXXX ( Acct # : XXXX ) : Unreasonably high credit utilization flagged as " OK. '' XXXX XXXX XXXX  ( Acct XXXX : XXXX ) : Discrepancies in account type and reporting of past due balance without supporting payment history.

2. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries lack permissible purpose and violate the Fair Credit Reporting Act ( 604 ).

Requested Resolution : Deletion of inaccurate and unauthorized items from my credit report.

Compensation of {$1000.00} per violation under FCRA provisions.

Confirmation of resolution in writing.

Thank you for addressing these matters 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 explanation
Consumer complaint received 2024-12-11 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX The following inquiry was not authorized and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica
State: GA

Complaint narrative:
Comerica direct express is holding my XXXX benefits due to alleged fraud. They put me on hold for a combined total of XXXX hours over the past week. They request documentation that I've sent and say that they need further documentation and request the same documents I've already submitted. They've even told me that I can't use my XXXX account and tried dictating which email provider I use. They have me on hold for hours only to hang up on me.

Company response to consumer: Closed with non-monetary relief