vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
Re : Closure of Account Request for Explanation and Reconsideration Reference Number : XXXX To Whom It May Concern, I am writing in response to the letter dated XX/XX/year>, which I received from your office, informing me of the impending closure of my account ( account number XXXX ) effective XX/XX/year>. I am deeply concerned and perplexed by this decision, which appears to have been made without prior notice or explanation. 

As a loyal customer of TD Bank, I find this action unjustified and detrimental to my financial wellbeing. The letter states that TD Bank can no longer support my banking relationship due to an internal review, but it fails to provide any specific reasons or evidence for this decision. This lack of transparency is unacceptable, and I demand a clear and detailed explanation for the closure of my account. 

I require the following information as a matter of urgency : 1. A comprehensive explanation of the reasons behind the decision to close my account. 
2. Any specific findings from the internal review that led to this decision. 
3. Details of any alleged breaches or issues related to my account. 

Until these details are provided, I formally request that the closure of my account be suspended. I also expect immediate clarification regarding this matter to avoid any unnecessary disruption to my financial affairs. 

Please treat this letter as a formal notice of dispute regarding the closure of my account. I expect a written response within 7 business days from the date of this letter. Failure to provide a satisfactory explanation will compel me to seek legal advice and explore further actions to resolve this matter. 

I hope that TD Bank will handle this situation with the urgency and seriousness it deserves. 

Yours faithfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I received a notice from Blitt & Gaines about the collection of {$5800.00} on account ending in XXXX in XX/XX/year>. I sent out a verification of debt request on XX/XX/year> requesting the name and address of original credfitor, the amount of the debt, verication the debt is mine, a complete payment history, and proof that they are licensed to collect debts in my state of residence. 

I RECEIVED NO RESPONSE FROM BLITT AND GAINS P.C. IN THE PAST 30 DAYS. 

What I did received was a letter from XXXX XXXX  dated XX/XX/year> stating the following : Please be advised that we have reviewed your request, as well as the available account information. Unfortunately, we have been unable to determine the exact nature of your dispute. 

I was not provided the information I requested in my original request. Upon calling the the phone number listed as XXXX XXXX  ( XXXX ), I am directed to a third party company that now handles the account and claims it does not have the ability to connect me to the original creditor and/or provide me with any kind of contact information to further the dispute ; creating me to be isolated from being able to directly communicate/dispute on this manner entirely. I have been directed by the third party company ( XXXX XXXX ) which spoke with XXXX at XXXX on XX/XX/year> ) and STILL HAVE NOT been contacted by Blitt and Gaines , P.C . in over 30 days since request ( nor have I received the information requested by them as well ). You can see where I timestamped my call with XXXX on the letter scanned; included you will see a phone number for XXXX XXXX  of XXXX and again where I verified the phone number they had on file was to XXXX  XXXX as XXXX  no longer handles the account ( as explained to me by XXXX/Phone rep ). 

I still have not received : Verification debt is mine, such as a copy of the original contract or agreement I signed. 
A complete payment history, as requested starting from the original creditor to present. 

Ultimately, while the requested information was not provided, nor responded to by the credit collections agency : the inability to contact synchrony bank has further complicated the efforts to address this matter directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NV

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-07-03 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-03 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: CA

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is an infringement of my right to privacy as I never authorized this information to be on my 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 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Around XX/XX/year>, I filed a dispute with Transunion and XXXX stating that XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are attempting to collect a debt in the state of North Carolina without a N.C. DEBT COLLECTORS LICENSE and therefore these items should be removed from my consumer credit reports. NC law requires that a debt collector must be licensed in the state in order to collect on any consumer debt.I did my research and checked XXXX website. Though the companies are valid debt collecting companies, they do not have a license in the state of North Carolina to collect debt. An alleged investigation into the matter was done by the Credit Reporting Agencies and the response was that the debt was verified as belonging to me and it would stay on my reports. I called the credit reporting agencies back explaining to them that that have violated my right under the FCRA by not accurately reporting and investigating and they did not investigate the matter that I initially submitted. They in turn placed remarks on my credit report like : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX for XXXX XXXX XXXX ; Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION - Transunion. Completed investigation of FCRA dispute.I also have contacted the debt collectors listed but no recourse. I am requesting that these companies be fined, that these items be removed from my credit report, and that I be compensated for these violations to the maximum rate of the law.

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 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Chargeoff Balance Error : This account is incorrectly being reported as a charge of account with a balanced due. Please provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on said accountaccounts. fcra 605b said consumer alleges identity theft, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The law requires companies to delete disputed unverified information from consumer reports as the consumer acknowledges here and today that XXXX XXXX XXXX XXXX is a UNVERIFIED ENTITY in which the debt of {$920.00} is XXXX XXXX XXXX OBLIGATION to Settle not the consumer. For the harm caused by XXXX XXXX XXXX and TRANSUNION for false representation with the intent to Defraud and Deceive the consumer, compensation is demanded by said consumer in which XXXX XXXX XXXX and or TRANSUNION shall Pay to the order of the said consumer, {$5000.00} contact consumer for further instruction on where to send payment. 

Also Consumer tried calling XXXX XXXX XXXX at there contact number XXXX ( XXXX ) XXXX given from CFPB complaint, but it's no way of speaking with a Live Agent as the contact number given by XXXX XXXX XXXX is an AUTOMATION SYSTEM which can't nor provide help in speaking with a Live Representative to settle the issue at hand, which is another violation to Defraud and Deceive the consumer. 

ALSO REMOVE ALL INQUIRIES XXXX INQUIRIES TO BE EXACT WHICH HAS BEEN DELETED ALREADY BUT NOT REMOVED FROM THE CONSUMER 'S CREDIT ACCOUNT IMMEDIATELY.

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 2024-07-03 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:
I am a federally protected CONSUMER under Title 15, Chapter 41, a natural person, and the original creditor in all consumer credit transactions I have participated in. 
Statement of Facts : XXXX. I, known as XXXX XXXX have been a victim of identity theft. A fraudulent account was opened in my name by XXXX XXXX without my authorization. 
XXXX. Congress found that the purpose of The Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, TransUnion, and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. 
XXXX. XXXX is aware and has proof in the attachments labeled as Exhibit A, B, and C that TransUnion is in violation of multiple provisions under the FCRA, including but not limited to : *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) *Other relevant provisions , including maximum possible accuracy under 15 USC 1681e ( b ). 
XXXX. If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 
XXXX. DELETE THIS UNAUTHORIZED ACCOUNT AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT IMMEDIATELY!

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 2024-07-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was the victim of a robbery of his identity documents resultin the accounts below : XXXX XXXX XXXX Auto Loan with account # XXXX on XX/XX/year>. 
XXXX Credit Card with account # XXXX with a balance of 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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, {$1200.00} was taken out of my personal Wells Fargo checking account. This was a bill pay transaction that was sent to XXXX XXXX into an account that is not mine. 

I reached out to Wells Fargo online to start an investigation into this fraudulent transaction. They conducted an internal investigation and on XX/XX/year>, Wells Fargo said that they did not find any irregularities and provided no further help. This was clearly a fraudulent charge because I have never set up bill pay on this account and have never sent money to XXXX XXXX. I have tried multiple times to seek a resolution and to have Wells Fargo look further into this fraudulent charge and they will not do anything about it. On XX/XX/year> I called multiple times to get more information about this transaction but Wells Fargo would not give any information out. Wells Fargo 's fraud department was very unprofessional and very unhelpful in this matter and could not care less about this issue. I have filed a police report on XX/XX/year> in order to escalate this case to the proper authorities.

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 2024-07-03 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After the completion of recent dispute/report XXXX I disagree with the investigation. This account was charged off on the following date XX/XX/year>. The date of last activity on this account is showing XXXX different dates. I have attached copies with the incorrect information. If the information is coming from the same furnisher the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. And according to 15 U.S. Code 1681i section 5 this should be deleted from my account. Please delete this account from my credit report. This is inaccurate information. You have failed to properly and accurately report this account and you neglect has violated my rights. I am demanding a deletion of the following account. Account Name : XXXX Account # 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 2024-07-03 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: NE

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 that are reported 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 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 that are reported 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 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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 explanation
Consumer complaint received 2024-07-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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