vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am writing to express my profound dissatisfaction and grave concern regarding the recent termination of my account ( XXXX ). Despite meticulously adhering to all stipulated protocols to ensure the continued viability of my account, its sudden and inexplicable closure has compelled me to seek immediate redress through a thorough investigation. 

On the XXXX XXXX XXXX XXXX, at approximately XXXX XXXX, I diligently deposited the sum of {$800.00} into my TD Bank account at the branch located in XXXXXXXX XXXX As a result, Consequently, the account attained a favorable standing, subsequent to its previous negative balance of {$140.00}. 

Subsequent to this, a check in the amount of {$4000.00} was deposited on the same day. Assured of the favorable standing of my account by the Assistant Branch Manager, XXXX XXXX, who unequivocally asserted that the impending closure, scheduled for XX/XX/year>, would be averted, I proceeded accordingly. 

In good faith and reliance upon the managerial representation, I expeditiously engaged with the TD Bank Recovery Department to establish payment arrangements on the aforementioned day. Subsequently, I successfully negotiated monthly payment schedules, with deductions scheduled for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX as corroborated by electronic correspondence. 




To my dismay, notwithstanding the substantial deposits effected and the judicious establishment of payment arrangements, my account was summarily terminated on XX/XX/scrub>XXXX XXXX XXXX This unilateral action, bereft of discernible justification, stands as an affront, particularly in view of the account 's favorable balance and the confirmed payment schedules. 

I urgently seek elucidation on the following points : 1. The underlying rationale for the termination of my account, devoid of any outstanding liabilities post-deposits. 
2. The justification for the account 's closure notwithstanding the firm establishment of payment arrangements scheduled for XX/XX/year>, and XXXX XXXX XXXX 

This regrettable turn of events has occasioned substantial inconvenience and distress. Accordingly, I implore a comprehensive inquiry into this matter, accompanied by a detailed explanation and expeditious resolution. In light of the foregoing, I humbly request the immediate reinstatement of my account and the prompt retrieval of the funds therein. 

Your immediate attention to this matter is earnestly solicited. Anticipating a prompt written response within ten business days, failing which I may regretfully be compelled to escalate this grievance to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. Kindly refer to the attached documents for your perusal. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I was trying to buy tickets for an event in XX/XX/year>. 
During my online search for tickets, I mistakenly ended up on XXXX. 
The website 's layout and presentation made it seem like they were the official ticket seller for the venue. 

I purchased tickets through XXXX, but unfortunately, they were not valid for entry to the event at XXXX XXXX XXXX, XXXX, Colorado. 

Unfortunately, the tickets I purchased through XXXX were unusable for entry to the event. This appears to be a recurring issue, as hundreds of similar complaints exist on the XXXX XXXX XXXX XXXX XXXX  ) regarding XXXX 's deceptive practices. 

I contacted my bank, USAA, to dispute the charge. I provided detailed documentation ( screenshots, emails, etc. ) highlighting XXXX 's misleading tactics and the unusable tickets. 

Disappointingly, USAA mishandled my dispute. According to a USAA representative, they received my documents but failed to review them. They repeatedly requested the same documentation I had already submitted and provided a general customer service number with no extension when I attempted to reach the representative who handled my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have sent this company multiple disputes requesting debt validation and they have refuse to respond with any valid documentation. Also company sent a bill but no valid verification and validation documents. This debt is not owed and this information reporting is incorrect. I request this account to be removed from my credit report in entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
I have made over 14 calls trying to get this charged removed. I was immediately sent a text with the fraud alert when the charge was made in XX/XX/year>. I immediately responded to the text advising that the charge was not mine and called the number for the bank and spoke with an agent. The next month I received the charge on my statement and immediately called the bank. The charge was shown as a credit, however I later received a letter from the bank on XXXX advising me that the charge was validated and the charge reversed back to me. I called them several times again and they said they would look into it. 
The paperwork I received from the bank as proof of the charge XXXX XXXX  being delivered to a XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX to a master card number ending in XXXX. That is not even my credit card number. 

This needs to be taken care of and the bank has done nothing about 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 monetary relief
Consumer complaint received 2024-05-22 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-05-22 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against BLITT AND GAINES PC for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, BLITT AND GAINES PC does not hold a valid license to collect debts within the jurisdiction of Missouri. 

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB. 

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that BLITT AND GAINES PC ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on BLITT AND GAINES PC to deter similar violations in the future.

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against BLITT AND GAINES PC to delete all credit reporting immediately. 

Also, for every violation I request to be paid for Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: IN

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2024-05-22 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: GA

Complaint narrative:
TransUnion allegedly verified this debt as belonging to me but provided no evidence they did a reasonable investigation in the matters at hand. I do not recall receiving any documents that verified this debt. Furthermore there can be no verification because I did not have a contractual agreement with this company that would have required me to repay this debt. There has been no court ordered judgement rendered against me so I do not have an obligation to repay this debt. Transunion is using deception to damage my report because they are paid by these companies to report fraudulent information and TransUnion makes money from selling consumer reports. They are listed on the SEC website as a publicly traded company that sells data. I never gave any such permission for this to happen.

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 2024-05-22 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: NC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: MI

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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
While I was booking a flight to XXXX XXXX on XXXX XXXX XXXX, an Ad popped up stating XXXX miles if I apply for the credit card. This miles was in addition to the statement credit of up to {$300.00}, which I have received. I applied the card, it got approved and delivered and I have also started using it. 

But when I check the credit card app from Chase, it is only showing XXXX miles awarded. This is not fair. The attached screenshot clearly shows new member bonus for only XXXX miles while the original promise shown on the advertisement was XXXX miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my XXXX credit card account, ending in XXXX which has been inaccurately recorded on my credit report on XX/XX/2023. Upon review of my account statements and payment history, XXXX Credit Card Agreement, and Consumer Law 15 U.S. Code 1666 I have identified an error that needs to be corrected promptly. 

Federal law mandates that late payments can not be reported to the XXXX main credit bureaus until they are at least 30 days past due. My records indicate that the payment in question was not 30 days past the due date. Additionally, I did not incur any late fees or returned payment fees for this billing cycle, further supporting that my payment was within the acceptable timeframe. 

According to the XXXX Credit Card Agreement, specifically under Section XXXX titled " Penalty Fees, '' a late payment fee is only applicable if the Minimum Payment Due is not received by the Payment Due Date. As per my account, the Minimum Payment Due was satisfied within the required period, negating any grounds for late payment reporting. 

Given these facts, I am requesting that XXXX immediately investigate and correct this erroneous late payment record with the credit bureaus. A timely resolution is crucial, as this incorrect reporting adversely affects my credit score, which is critical during my ongoing process of purchasing a home. 

Please confirm receipt of this dispute and provide a written acknowledgment that the error will be corrected. Should you need any additional information or documentation, please contact me at your earliest convenience. I appreciate your prompt attention to this matter.

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 2024-05-22 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my XXXX credit card account, ending in XXXX which has been inaccurately recorded on my credit report on XX/XX/2023. Upon review of my account statements and payment history, XXXX Credit Card Agreement, and Consumer Law 15 U.S. Code 1666 I have identified an error that needs to be corrected promptly. 

Federal law mandates that late payments can not be reported to the XXXX main credit bureaus until they are at least 30 days past due. My records indicate that the payment in question was not 30 days past the due date. Additionally, I did not incur any late fees or returned payment fees for this billing cycle, further supporting that my payment was within the acceptable timeframe. 

According to the XXXX Credit Card Agreement, specifically under Section XXXX titled " Penalty Fees, '' a late payment fee is only applicable if the Minimum Payment Due is not received by the Payment Due Date. As per my account, the Minimum Payment Due was satisfied within the required period, negating any grounds for late payment reporting. 

Given these facts, I am requesting that XXXX immediately investigate and correct this erroneous late payment record with the credit bureaus. A timely resolution is crucial, as this incorrect reporting adversely affects my credit score, which is critical during my ongoing process of purchasing a home. 

Please confirm receipt of this dispute and provide a written acknowledgment that the error will be corrected. Should you need any additional information or documentation, please contact me at your earliest convenience. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my XXXXXXXX XXXX XXXX  account, ending in XXXX which has been inaccurately recorded on my credit report on XX/XX/year>. Upon review of my account statements and payment history, XXXX Credit Card Agreement, and Consumer Law 15 U.S. Code 1666 I have identified an error that needs to be corrected promptly. 

Federal law mandates that late payments can not be reported to the three main credit bureaus until they are at least 30 days past due. My records indicate that the payment in question was not 30 days past the due date. Additionally, I did not incur any late fees or returned payment fees for this billing cycle, further supporting that my payment was within the acceptable timeframe. 

According to the XXXXXXXX XXXX XXXX  Agreement, specifically under Section 4 titled " Penalty Fees, '' a late payment fee is only applicable if the Minimum Payment Due is not received by the Payment Due Date. As per my account, the Minimum Payment Due was satisfied within the required period, negating any grounds for late payment reporting. 

Given these facts, I am requesting that XXXX immediately investigate and correct this erroneous late payment record with the credit bureaus. A timely resolution is crucial, as this incorrect reporting adversely affects my credit score, which is critical during my ongoing process of purchasing a home.

Please confirm receipt of this dispute and provide a written acknowledgment that the error will be corrected. Should you need any additional information or documentation, please contact me at your earliest convenience. I appreciate your prompt attention to this matter.

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 2024-05-22 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: IL

Complaint narrative:
I, XXXX XXXX, am experiencing significant negative impacts on my credit score and financial stability due to numerous inaccuracies on my credit reports provided by XXXX, XXXX, and TransUnion. These inaccuracies include discrepancies in account numbers, dates of activity, high credit limits, and account statuses for multiple accounts. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, the erroneous information remains on my credit reports. 
Specifically, the disputed accounts and issues are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Discrepancies : High credit, credit limit, date of last activity, account numbers. 
- Details Requested : ** Correction of high credit values and confirmation of the date last active. 

Additional discrepancies include the dates of account openings and closings, reported balances, and payment histories. These inaccuracies are adversely affecting my credit score and financial standing.

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