vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: OH

Complaint narrative:
I discovered incorrect information on my credit report, as outlined by 15 USC 16c-2. I believe this inaccurate data is negatively impacting my creditworthiness. T

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am reaching out regarding Case ID XXXX, which was filed on XX/XX/2024. This claim was initiated because a credit that should have been issued for two transactions was not processed. According to Visas guidelines, this situation falls under reason code 13.6 : " Credit Not Processed. '' This code applies when customers have a receipt for a voided transaction or a credit, but the transaction has not been processed. 

On XX/XX/XXXX and XX/XX/XXXX, the cardholder made two separate transactions with the merchant for a holiday stay, reserving two different rooms. Due to a processing error, these transactions were later refunded, and the cardholder was assured they could rebook their stay directly at the hotel for the same price. The cardholder proceeded to purchase both rooms at the hotel, but has yet to receive a refund for the original two transactions. Attempts to resolve this with the merchant have been met with resistance and a lack of cooperation. 

The cardholder received a letter indicating that the dispute was denied, stating, This is an authorized transaction related to a merchant dispute, and we recommend resolving this matter directly with the merchant. This response is completely unacceptable. All supporting documentation, including email communications and receipts confirming the cancellations and subsequent purchases, was provided, yet the issue remains unresolved. 

The merchants unwillingness to address this situation is disappointing, and now it appears that the bank is not taking appropriate action either. It is entirely unjust for the bank to dismiss the case without conducting a thorough investigation, especially when the cardholder has provided ample evidence. I expect this matter to be revisited and handled with the seriousness it warrants.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This has happened twice already and Target XXXX XXXX is withholding available credit from consumers. We make a payment and it takes longer than a week to see available credit on your account. 

First incidence occurred over XXXX. I paid a little more so I could buy items for a daughter 's trip. The payment had processed a few days after I called them but they couldn't confirm it on their system. I had to call them and call my bank so they could know that the payment had processed. 

More recently, I paid on XXXX XXXX, payment went through on XXXX XXXX and called today to ask them to credit my account. They said they still couldn't do it and that it takes two days for them to see the payment. But it's been longer than two days -- a week since payment processed. 

At this point, Target XXXX XXXX is stealing money from consumers. If you make a payment, you should see the credit available as soon as the money comes out of your account. 

The website is terrible and outdated too -- I entered my checking account information in XXXX, system said it was fine, but it wasn't. Payment was returned and the rep today tried to say it was because of that that I didn't have credit available. 

I am asking for : XXXX ) Target XXXX XXXX to credit consumers with available credit as soon as payment clears on the consumer 's checking account. 
XXXX ) Please refund {$30.00} returned payment fee. The website is outdated and I should not have to pay that. 
XXXX ) Please have a real email that consumers can send complaints to. I sent an email to Target XXXX and I received a standard email response. 

Such a great store but your credit card system is very outdated and hurting consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am responding to XXXX  dispute results delivered to me on XX/XX/XXXX. Report # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. According to 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have shown proof of document via bank statements to prove i was never late on XX/XX/year> and XX/XX/year>.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am responding to XXXX  dispute results delivered to me on XX/XX/XXXX. Report # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. According to 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have shown proof of document via bank statements to prove i was never late on XX/XX/year> and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
we received the gift card as a birthday gift. when we opened the card the numbers on the card stuck to the inside of the package - making card unreadable and we could not see the numbers on the inside. The card was placed in the package defective.

Vanillagift.com would not provide me with the 4 numbers and required proof of purchase, address info and other information. Since we got as a gift we do not have receipt and hence could not complete the issuance of a new card. 

Customer care states that is the only solution for the gift card and now vanilla.com just got {$50.00} profit for a card that we can not use. We are also contact XXXX XXXX to make them aware of the lack of customer service provided and asking them to stop selling this providers cards. 

Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: TN

Complaint narrative:
This complaint is a follow-up to my previous complaint ( XXXX XXXX : XXXX ) regarding Equifax 's handling of unauthorized credit inquiries. I am not satisfied with Equifax 's response and resolution, and I request that the CFPB initiate a new investigation into this matter.

I am filing this additional complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) concerning unauthorized credit inquiries and improper handling of my dispute. 

On XX/XX/year>, I submitted a dispute to Equifax regarding two unauthorized credit inquiries on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I explicitly stated that I did not authorize these entities to access my credit report and requested their removal. 

Equifax has continued to fail in properly investigating and addressing my dispute : XXXX. Violation of FCRA timeline : Equifax did not complete the investigation within the required 30-day period. They acknowledged my dispute on XX/XX/year>, but only provided results on XX/XX/year>, well beyond the mandated timeframe. 

2. Failure to investigate unauthorized access : Equifax 's response did not address my specific claim of unauthorized access. They merely stated that inquiries are factual records and are retained for two years, which does not justify unauthorized access to my credit report. 

XXXX. Lack of evidence : I requested that Equifax provide details of when and how I gave explicit authorization for these inquiries. Equifax failed to provide any such evidence. 

XXXX. Inadequate dispute resolution : Equifax 's response that XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' for XXXX XXXX XXXX XXXX is insufficient, as it does not address the unauthorized nature of the inquiry or its removal from my credit report. 

Given Equifax 's unsatisfactory handling of my previous complaint, I request that the CFPB : XXXX. Initiate a new investigation into Equifax 's practices regarding unauthorized inquiries and dispute resolution. 
XXXX. Ensure that Equifax immediately removes both unauthorized inquiries from my credit report. 
XXXX. Require Equifax to provide a detailed explanation of their investigation process and findings. 
XXXX. Mandate that Equifax implement proper procedures to prevent unauthorized access to consumer credit reports. 
XXXX. Consider appropriate enforcement action against Equifax for repeated violations of the FCRA. 

I have maintained detailed records of all communications with Equifax regarding this matter and am prepared to provide additional documentation if necessary. I urge the CFPB to take swift action to address these ongoing violations and ensure Equifax 's compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In my thorough analysis of my recent credit report, I came across several accounts that I consider incorrect and that were added without my awareness.

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 2024-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I have identtified information on my cosumer reports that are a result of identity theft. I did not consent to, authorize nor benefit from the accounts. Please block and remove said information pursuant to 15 usc 1681c-2. XXXX. CREDENCE RESOURSE XXXX, XXXX. XXXX XXXX XXXX these corporation have obtained my information under false pretenses and are in violation of the ( FAIR DEBT COLLECTION PRACTICES ACT ), ( FAIR CREDIT REPORTING ACT ) and ( ELECTRONIC FUND TRANSFER ACT ) in their attempt to collect an alleged debt not owed. Because of said corporations False and misleading representaion, and statements that are untrue.It have caused severe damages to my reputation, emotional distress, and loss of job. I Demand said corporations to Cease and Desist I refuse to pay the alleged debts. Pursuant to 15 usc 1692c ( c ). I am also requesting the name and address of the Original creditor Pursuant to 15 usc 1692g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-09-30 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Following a detailed review of my current credit report, I noticed numerous accounts that I believe are erroneous and were added without my awareness.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am responding to experians dispute results delivered to me on XX/XX/XXXX. Report # XXXX ally financial account # XXXX. According to 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have shown proof of document via bank statements to prove i was never late on XX/XX/year> and XX/XX/year>.

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 2024-09-30 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: NY

Complaint narrative:
My accounts 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 to be removed/updated. 

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. 

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!

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 2024-09-30 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: MA

Complaint narrative:
On XX/XX/year> I was alerted to a change in my Experian profile information that I did not initiate. I discovered that my Experian account had been hacked and I was unable to regain access. Since then I have tried tirelessly to resolve the issue with Experian but have had no success. I have twice faxed requested documentation to prove my identity and both times have been told the information was not received. I was given an alternate fax number which I was unable to even send a fax to and it appears the number is out of service. I need to regain access to my Experian Credit file to ensure I can freeze/unfreeze it as needed and Experian is not helping regain access in a timely manner. 

My Experian Ticket is # XXXX XXXX Fax # shared by Experian XXXX ( sent documentation XXXX to this number ) XXXX Fax # shared by Experian XXXX ( faxes failed to send, # seems out of service )

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 2024-09-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I was sent a correspondence from ECMC, attempting to a collect an alleged debt, also threatening to defame my name and character by falsely reporting to the credit bureaus as defaulted loans in collections. On XX/XX/year>, I sent via certified mail a notarized affidavit ( which will be attached to this complaint ) to ECMC addressing this matter. None of what I presented and requested in the affidavit was responded to or addressed by an authorized representative of ECMC. Also, I previously filed CFPB complaints on XX/XX/year> ( XXXX ) and XX/XX/year> ( XXXX ) addressing this matter. Since there wasn't a response/rebuttal by affidavit from an authorized representative verifying and validating the alleged debt, the facts were established that there is no debt and this matter was closed.

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 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Do not assign this case to XXXX XXXX Case XXXX was closed without resolution. I am explicitly asking you for the EXACT AMOUNT of money that I need to pay to avoid interest charges this month, taking into consideration payments already applied for this month. I am NOT asking for my current balance, statement balance, or any balance other than my REMAINING STATEMENT Balance.

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 2024-09-30 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: AZ

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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