vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
on XXXX I filed for a TD Bank secured credit card acct XXXX was closed within 2 years with no late payments being reported. 

on XXXX filed for another TD Bank secured credit card account under same account # XXXX. The problem was a class action law suit was filed and TD Bank staff opted me out and if I was oupted out how did I get a {$8.00} check? 

XXXX, while I was disputing with TD Bank staff on why my secured card was not eligible for graduation, and the XXXX lied to me that I was late a few times. And I pulled my credit report and it showed on all three accounts it shows no late payments reported. The settlement was being processed around that time. I should had received more than {$8.00}. NO I did not oupted out. 

Plus, I was still a TD Bank secured credit card holder. disputing with the bank. TD Bank discriminated against me, from not graduating my credit card and someone outing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-07 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Marauder Corporation
State: TX

Complaint narrative:
XX/XX/24 : I called and explained my last name is XXXX. They called me a liar. Told me they dont have to give information to original creditor. Also, told me they have me on camera. Which is a lie. Furthermore, a lady stated she was a manager. Told me to XXXX the number myself. Said the previous lady I spoke to XXXX minutes prior only told me she saw me on camera because she didnt know any better.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
Lack of Notification : I did not receive any notification from Radius Global Solutions regarding this debt. 
The absence of proper notification is a violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 
Violation of Rights : My rights have been violated because I was not informed about the debt and my options to dispute it. 
This lack of communication has deprived me of the opportunity to verify and challenge the debt 's validity. 
Medical Debt Concerns : The debt in question appears to be a medical debt. 
I did not give permission to anyone to release my medical information to Radius Global Solutions or any other third party. 
Unauthorized Release of Information : The unauthorized release of my medical information constitutes a breach of my privacy rights under the Health Insurance Portability and Accountability Act ( HIPAA ). 
This unauthorized action has caused significant distress and concern about the confidentiality of my medical records.

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 2024-08-07 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: DE

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 2024-08-07 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: DE

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I seek your assistance in addressing the inaccurate account listed on my credit report. This issue has been raised because the erroneous information is harming my reputation, and I urgently need your help to rectify it.

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 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Applied for a credit card with XXXX XXXX. Was told I was approved and would be receiving a card in the mail. Card never came in the mail and I received a text alert that someone attempted to make purchases on the credit card. Called the company and explained, they said they would investigate and send a new card. Never received the new card in the mail, when I called to ask about it they said I had a {$300.00} charge that I did not make. Told them this was not me, that I never received a card, asked them to investigate and fully close my account. I am now receiving debt collection notices from Resurgent Capital Services LP that I didnt pay my balance and that my debt was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX XXXX, 2024, I made a deposit, XXXX to my checking account with XXXX money order ( XXXX each ). This money is from my wife 's cousin, that we loan her for about {$10000.00} for the spend due to her spouse passed away. Then she payed back to us first half within the next few weeks and then we told her that to keep it there just in case if she need it, at this point, she need more than I do. And then this month, due to I just lost the job and I ask her for the money so I can pay up my mortgage, credit card, etc. I made deposit with everything and receipt come out said they need to hold it within XXXX business days and I'll attached to that for proof. And then next day, my wife took my daughter to the same branch that I deposit, to open a high school checking account. The person in there said she got restricted and then my wife said, why is that, need to talk to XXXX. But then the branch XXXX assisted them with that and they gave her a note for my me to call. In that call, they need to verified who's the second person on the money order and that is my wife. They put me on hold and before that, I told them that to get a translator because I don't want to get involved. While they're talking, I recorded the conversation. I recorded the Chase XXXX. After the conversation, they told me that they can not transfer the money into my saving account but they'll send the check home. I told them no and I told them they need the money now and they keep me on hold and transfer. On the date, the receipt showed my funds and available balance etc. I need to take it out to pay my bill. The thing is, when I want to talk to them, but I keep getting on hold. The next day, they closed down all my payment and now I'm late for every thing I needed to do. I don't know why they did that, please take back my money and be responsible. I already past due to my house and credit card too. I need that money asap, I will loose everything. Thank you, I appreciate, please review the attachment, voice, proof of deposit, screenshot from my account, etc, this the mandatory help, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : US DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : US DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TRANSUNION credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : US DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : US DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-07 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 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 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/year> Midland Funding LLC filed an objection to the writ of garnishment in the XXXX District circuit court. they illegally obtained my information from a creditor and did not have a consent. I was not notified by my employer or the courts. I do not have a debt with Midland Funding, and I was garnished triple the amount. I previously had received several harassing calls I asked several times for them to validate the debt because I had no knowledge they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: AR

Complaint narrative:
I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX ( # XXXX ) on my credit reports with XXXX XXXX XXXX XXXX and TransUnion XXXX This account was opened as a result of identity theft, without my knowledge or consent. I demand the immediate removal of this account from my credit reports and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXXXXXX XXXX account reporting on my credit reports is not mine. It was fraudulently opened due to identity theft. I did not authorize any transactions or communications with XXXXXXXX XXXX, nor did I receive any services or products associated with this account. 

Discrepancies in XXXX XXXX. XXXX : Was 30 Days Late 2 Time ( S ).

Was 60 Days Late 2 Time ( S ).

Was 90 Days Late 5 Time ( S ). 
XXXX. XXXX and TransUnion : Was 30 Days Late 2 Time ( S ).

Was 60 Days Late 2 Time ( S ).

Was 90 Days Late 4 Time ( S ).

The inconsistencies in the reporting of late payments among the credit bureaus further highlight the inaccuracies and confusion caused by this fraudulent account. 

Violations and Impact The presence of this fraudulent account on my credit reports violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. The inaccurate late payment history and fraudulent account negatively impact my credit score and overall financial standing, potentially leading to denials of credit and other financial services. 

Applicable Laws and Regulations 1. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit reports. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including accounts opened as a result of identity theft.

3. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft.

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 2024-08-07 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: AR

Complaint narrative:
I am writing to formally dispute the reporting of a fraudulent account under the name XXXXXXXX XXXX ( # XXXX ) on my credit reports with XXXX XXXX Equifax XXXX and XXXX XXXX This account was opened as a result of identity theft, without my knowledge or consent. I demand the immediate removal of this account from my credit reports and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXXXXXX XXXX account reporting on my credit reports is not mine. It was fraudulently opened due to identity theft. I did not authorize any transactions or communications with XXXXXXXX XXXX, nor did I receive any services or products associated with this account. 

Discrepancies in Reporting 1. XXXX : Was 30 Days Late 2 Time ( S ).

Was 60 Days Late 2 Time ( S ).

Was 90 Days Late 5 Time ( S ). 
2. Equifax and XXXX : Was 30 Days Late 2 Time ( S ).

Was 60 Days Late 2 Time ( S ).

Was 90 Days Late 4 Time ( S ). 

The inconsistencies in the reporting of late payments among the credit bureaus further highlight the inaccuracies and confusion caused by this fraudulent account. 

Violations and Impact The presence of this fraudulent account on my credit reports violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. The inaccurate late payment history and fraudulent account negatively impact my credit score and overall financial standing, potentially leading to denials of credit and other financial services.

Applicable Laws and Regulations 1. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit reports.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including accounts opened as a result of identity theft.

3. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft.

Company response to consumer: Closed with non-monetary relief