vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
{$1500.00} were accidentally transferred to an old closed TD Bank savings account on XX/XX/year> from my XXXX checking account online. The funds were successfully transferred, but were never returned to XXXX. I called TD Bank and was instructed that because the account was closed the funds would return to my XXXX account in 10 days. After 10 days, I went to the TD Bank branch with information about the account and was informed that the funds did not appear. The representative took my information and sent information to a department for them to respond to her by email the next Monday ( XX/XX/year> ). She instructed me to come back on Monday to resolve the issue. I returned on Monday, she was not at the branch so I met with another representative and a manager at the branch. I provided them with the account information... they asked me for the routing information that was given to XXXX. So, went home to retrieve it. When I returned they informed me that there was nothing they could do without even research the ACH system/department with the routing information along with the old account number. When I contact my bank, XXXX, they informed me that I need to get assistance from TD Bank. When I speak with TD Bank, they inform me that I need to get assistance from XXXX. It seems no one knows where my money is or cares. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-04 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: PA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-06-03 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

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 2024-06-04 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My fraud dispute was improperly denied ; I in no way ever intended to authorize a charge of {$2800.00} to an organization I have never heard of. I was the victimof a skimming attack where a hidden scanner or phone charged me for an amount when I was attempting to make what was supposed to be a small donation to a purported charity. I was not ever informed about a donation or charge amount of that magnitude ; BMO 's purportedfraud protection never gave any notice of a suspicious transaction. I only discoveredit by checking my account manually. 

I was under the impression this had long since been settled ; XXXX  days have passed since the initial dispute was filed. Their claim that I " had the card in my possession '' at the time completely ignores the method in which I was defrauded ; I was unaware of the existence of a second scanning device. To pull this money back out at this time is both disgusting and completely inaccurate. 

I have been a loyal BMO customer for most of my life. The fact that this is the treatment I receive the first time I am the victim of fraud is absolutely vile.

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 2024-06-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report the account listed as XXXX XXXX Account # XXXX & XXXX XXXX XXXX Account # XXXX incorrectly. They are reporting the account as charged off when thats not correct. Each consumer agency stated they verified the information but provided no proof that they did verify it : since we could not come to terms with this information I initiated arbitration and this is notice they the filing fee needs to be paid and turn over any evidence that proves that this account is indeed charged off and a collection. I know it can not since the negotiable instrument used during this transaction is a security being traded in the primary and secondary markets. Furthermore the bank never loans money but processes securities. The consumer agency is also in cohorts with the creditors because they sell consumer information for a profit and by their own SEC filings it states the report are securitized this is why they refuse to remove the information even though they know its incorrect because I can not have a collection for an account that is also raising capital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, & XXXX continue to report the account listed as XXXX XXXX Account # XXXX & XXXX XXXX XXXX Account # XXXX incorrectly. They are reporting the account as charged off when thats not correct. Each consumer agency stated they verified the information but provided no proof that they did verify it : since we could not come to terms with this information I initiated arbitration and this is notice they the filing fee needs to be paid and turn over any evidence that proves that this account is indeed charged off and a collection. I know it can not since the negotiable instrument used during this transaction is a security being traded in the primary and secondary markets. Furthermore the bank never loans money but processes securities. The consumer agency is also in cohorts with the creditors because they sell consumer information for a profit and by their own SEC filings it states the report are securitized this is why they refuse to remove the information even though they know its incorrect because I can not have a collection for an account that is also raising capital.

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 2024-06-03 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and I am shocked to see that the 3 major credit bureaus are continuing to report fraudulent, inaccurate, unverifiable accounts and information on my consumer report. This is hurting me as I am in the process of buying a home for my family. Please remove these accounts from my consumer report as they are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 
XXXX XXXX XXXX XXXX XXXX  XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am submitting this complaint because I notice inquires on my Chex Systems report I do not recognize. I will like these inquires to be investigated and removed if they can not be validated. I disputed these inquires and received a letter saying these inquiries were verified, however no documents or information was provided to show validation. 

The Inquires are as follows : -XXXX XXXX XXXX XXXX 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 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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened up a dispute XXXX with XXXX through my Citi card for returned goods. I returned the merchandise in accordance with their policy and the merchant promised to refund me. Going off of that promise, I decided to withdraw the dispute because it was handled with the merchant. The merchant now is not honoring the return, instead offering to give me a merchandise credit which is not within the terms and conditions of their store. I called Citi and asked to re-open the dispute because I close it under false pretenses and they refused to do so.

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 2024-06-03 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: GA

Complaint narrative:
I'm one of the Sweet vs. Cordona plaintiffs that won the lawsuit for 100 % forgiveness via Borrowers Defense. XXXX had up to XX/XX/year> to remove my student loan from my file, but they didn't per judge 's order. They are still incorrectly reporting and has caused ensuing damages to me because of my debt to income ratio has caused me to be denied credit.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In late XXXX I had my car broken into and an XXXX was stolen. Shortly after that, I had XXXX transactions through XXXX that were not authorized by me from XX/XX/XXXX through the middle of XXXX. The amounts totaled {$14000.00}. I turned in a claim when I was sent a fraud message regarding a couple of transactions through a company called XXXX XXXX. 

I filed the claim, was told that no documentation was needed and an agent would reach out if that changed. Less than a week later, my claim was denied. I re-opened the claim when I sent in documentation supporting my claim. Was again told that an agent would be in touch if they need further information. The claim was again denied a week or XXXX later. 

I contacted Bank of America and spoke to a supervisor. They told me that the claim was being filed the incorrect way and that it was instead a billing dispute. The claim would be re-opened and a new investigation would be opened. A week or XXXX later the claim was denied again. 

I sent in more documentation on XX/XX/XXXX, including a police report. For the first time in the whole investigation, Bank of America attempted to contact the merchant on XX/XX/XXXX regarding the fraudulent charges. 

It has been over XXXX days, almost XXXX XXXX XXXX XXXX months and not once has someone from Bank of America reached out to me regarding this claim. I have called in continuously trying to get this solved. There has been absolutely no sense of urgency from anyone at Bank of America. I have asked to speak with supervisors, managers, and they all act like this isn't a big deal. It's almost {$15000.00}. That is a lot of money! 

I was never offered temporary credit during any part of this investigation.

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 2024-06-03 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Notice of Intent to Sue and Opportunity to Cure Refer to U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. In response to complaint # XXXX filed with the CFPB filed on XX/XX/XXXX against Portfolio Recovery Associates , LLC ; I am dissatisfiedwith the handling of my complaint. 

XXXX. Portfolio Recovery Associates , LLC did not address or fulfill all listed demands, requirements and obligations necessary to satisfy my concerns and stipulations regarding the fraudulent account they are actively furnishing to each of my consumer reports. 

XXXX. Portfolio Recovery Associates , LLC explicitly states in their response : " XXXX is required to validate the account. We have no record of a dispute being received in relation to our initial notification letter. '' This is in fact an outright lie. I filed my initial complaint with the CFPB on XX/XX/XXXX and given complaint # XXXX was in fact received by XXXX. They responded on XX/XX/XXXX. This complaint also included a copy of their dunning letter dated XX/XX/XXXX. I have attached another copy to jog your memory. 

XXXX. I also sent a XXXX complaint via the CFPB on XX/XX/XXXX under complaint # XXXX ; I have also included a copy for your review. 

It is apparent that XXXX is furnishing blanket repetitive statements in response to consumers who file complaints against them using the CFPB 's platform as a government enforcer, XXXX holds no regard for following or adhering to Federal Law or judgements as outlined in CFPB XXXX Portfolio Recovery Associates , LLC, case no. XXXX. 

XXXX. XXXX has once again failed to properly verify this alleged debt and continues to violate my consumer rights and federal laws by continuing to report this account to each of my consumer reports. They are willfully and intentionally causing harm and injuring me as a consumer. 

XXXX. In order to verify a debt as Portfolio Recovery Associates , LLC has previously claimed they have done, they are asserting, confirming or substantiating by oath or affidavit. Providing copies of statements is not proper verification or validation of anything. 

XXXX. Refer to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand immediate removal of this fraudulent account from all consumer reports, permanent deletion and no further harm or injury to my person or financial well-being as a federally protected consumer.

Company response to consumer: Closed with non-monetary relief