vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding TD Banks management of my XXXX XXXX account, which has resulted in unauthorized interest charges and a lack of transparency. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX using Samsungs financing option, managed by TD Bank. This purchase was made online, and I received no clear financial agreement or termsthere was no signed contract or agreement disclosed at the time of purchase. 

For over 18 months, I did not receive any statements, notifications, or documentation from TD Bank or XXXX describing the terms of my financing. In XX/XX/XXXX, I received my first statement, followed by another in XXXX, showing an unexpected balance of {$820.00} with a 29.99 % APR. I was never informed of this interest rate or that my financing agreement was allegedly for 18 months, as TD Bank claimed. I have no records of signing or agreeing to this XXXX term, either digitally or physically. 

Despite my numerous attempts to resolve this matter with TD Bank and escalating the issue to the XXXX XXXX XXXX, I have been met with no resolution. TD Bank has continued to apply unjustified and unethical interest charges to my balance, completely disregarding my efforts to correct their errors. Due to this ongoing unethical behavior and the failure of XXXX XXXX XXXX to protect their customers from these practices, I had no choice but to log into my TD Bank account and pay off the wrongful balance in full to stop the continuous financial harm. 

I am continuing to submit this complaint to request a reasonable and just refund of the unauthorized extra charges I paid, as well as compensation for the significant stress and hardship I have endured throughout this process. 

Furthermore, I have recently learned of TD Banks involvement in unethical practices, including violations of the Bank Secrecy Act and money laundering, which resulted in a {$1.00} XXXX penalty from the U.S. Department of the Treasurys XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ). This further supports my concerns about TD Banks unethical behavior in my case. 

XXXX, Please review and compare the attached " Screenshot of My Monthly Statements ( Taken on XXXX ) '', which shows that only XXXX and XX/XX/XXXX statements were available at that time, with the modified version where TD Bank has since added XXXX, XXXX, and XXXX statements after I raised a complaint and provided them with the original screenshot. You can see this in the most recent attachment, " Screenshot of My Current Statements ( Taken on XXXX ) '', which clearly shows the addition of the XXXX, XXXX, and XXXX statements. This appears to be a deliberate attempt to retroactively justify the interest action taken in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: FL

Complaint narrative:
This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. I check my credit report regularly, and today, out of nowhere, I saw these unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the wrong information didnt go away. Now, I'm requesting a thorough review of the documents Ive submitted so I can finally stop worrying about this happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am disputing the accuracy of the Midland Credit Management account on my credit report. Despite my efforts, the credit agency refused to remove the item, citing an update after a reinvestigation in XX/XX/XXXX. The account remains in collections for {$10000.00} and is scheduled to stay on record until XX/XX/XXXX. 

Per the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting removal of this inaccurate information since the credit bureau has not verified its accuracy. Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ), Midland Credit Management is responsible for ensuring they report accurate information, which they have not done. 

I ask that this matter be resolved in compliance with the FCRA. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report in notice I had fraudulent account on my report please removed this account from my report it's hurting my ability to obtain 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 explanation
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
Dear CFPB, It is over 7 years dealing with XXXX XXXX  loan # XXXX now as of last month they reported me as late on my mortgage. i have proof all payment being made on time. 
XXXX now refuses to answer my calls or even escalate this to their managers. XXXX XXXX representatives told me last week they made a mistake and they will call me in 3 months with an update. 

This is really affecting my job, financials and personal life. XXXX is liable for reporting me late on my mortgage and now they refuse to address this issue. 

Please help!!!

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 2024-10-16 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: TN

Complaint narrative:
For the past few months, I have requested that an XXXX XXXXXXXX XXXX that does not belong to me be removed. Each time I sent the credit bureaus a request, the account still needed to be removed. XXXX eventually removed the account. For some reason or another, the account remains on XXXX and Experian. The XXXX account is not mine, and I was initially an authorized user. The original owner removed me from the account, but the credit bureaus refused to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've noticed mistakes on my credit report concerning 15 USC 16c-2. The inquiries shown were not authorized by me, and they are harming my credit. I request the removal of all unauthorized hard inquiries. Thank you.

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 2024-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: NC

Complaint narrative:
I was emailed them and told the representative that I wasn't available to talk due to I'm at work and my job doesn't allow me to take personal calls. I also notify to to cease and dease contact and they still continue to call me more than 7 times within the 7-day period

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Skrill USA, Inc.

Complaint narrative:
After depositing {$10.00} into my Skrill account, I am unable to withdraw it. To help you better understand what kind of trick they use to prevent you from withdrawing your money, they simply set a withdrawal limit below what you deposited and a maximum amount above what you have, making it impossible to withdraw. Although I have verified my identity on the account using the required documents and been approved by the Skrill team, as well as sent an email complaining about what happened, the situation remains the same. I hope for a solution to this problem that has been going on for weeks. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 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. 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 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I attempted to obtain a car loan through my bank, however, they were unable to pull my credit file and states the Equifax score showed XXXX, and nothing was listed on my credit file. I was able to see my credit score on Myequifax however, I was also unable to obtain my credit report. I called Equifax and was informed by a representative that I needed to send in documentation ( SSN and Driver 's license ) with my request. It was never made clear what I was even requesting nor could the representative advise me what the request should say. After overnighting the documents to them, XXXX week later they still say that have not received the documentation. Although, I have verified everything possible regarding my account, they still are unable to provide any information or assistance. They have not even been able to tell me when this will be corrected. I was told it was an error in Equifax 's " back end system '' of which only a special team would be able to fix. However, it is effecting me, the consumer. This has to be illegal. Why are we using Equifax if their systems are this flawed? This is an inconvenience and still my situation has not been handled by Equifax. So, I nor my bank is able to pull my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
My brother sent me a transaction through Zelle all information was correct money left his account and never reached my account XXXX XXXX Zelle and XXXXXXXX XXXX all pushed the responsibility to the other entity and treated me like I was XXXX  for money not received no notification money just disappeared from brothers bank acct and didnt reach my bank acct all info can be verified through bank records all contact info was correct. No refund option was offered I can not afford to lose {$1000.00} through a banking transfer error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I just received a notification from XXXX telling me that I applied for a loan on a loan website that I did not make, and I do not recognize. I ask that you delete that credit application, as I did not apply for any type of loan. Thank you.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
Two XXXX XXXX pledge loans were wrongly removed/blocked from my reports on TransUnion and XXXX. I am authorizing and requesting that they be added to my report. 
I have called both bureaus multiple times to remedy this, but they have not offered any remedy. 
Please have this issue rectified and the accounts added back to 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 2024-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Two XXXX XXXX pledge loans were wrongly removed/blocked from my reports on XXXX and XXXX. I am authorizing and requesting that they be added to my report. 
I have called both bureaus multiple times to remedy this, but they have not offered any remedy. 
Please have this issue rectified and the accounts added back to 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 2024-10-16 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: NC

Complaint narrative:
Ive gone through my latest credit report and noticed a number of accounts that seem to have been added without my permission and are incorrect. I would like these accounts blocked and removed right away.

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 2024-10-16 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: FL

Complaint narrative:
I checked my credit report this morning and noticed unauthorized inquiries that I dont recognize. Im really frustrated because I check my report regularly, and these inquiries just suddenly appeared. I refreshed my browser to see if it was a mistake, but nothing changed. I need this situation resolved as soon as possible, and I expect the documents I sent to be checked carefully to ensure this problem doesnt happen again.

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 2024-10-16 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: FL

Complaint narrative:
I couldnt believe it when I saw inaccurate accounts appear on my credit report this morning, with no explanation at all. I always check my credit report, but today there were mistakes Ive never seen before. I refreshed my browser, thinking it might be a technical issue, but the errors remained. This situation is extremely frustrating, and Im asking that my documents be reviewed properly so I can feel secure that this will never be a problem for me again.

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 2024-10-16 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: NY

Complaint narrative:
Company puts me into a loop of automated prompts or leaves me on hold for hours at a time. 

Signed up with XXXX XXXX XXXX card service on XX/XX/XXXX. Tried to sign up for online program of payment XXXX times. The website could not find my account number. Sent a letter on XX/XX/XXXX requesting paper statements because the website was useless. Called on XX/XX/XXXX and after calling XXXX different numbers and being on hold a combined XXXX hours i was able to speak to a human being. Called herself XXXX. Tried to help me sign up online and was unable to. I asked for a copy of the first statement and asked that if there was a late charge it be waived as it was their fault i could not get my balance or make a payment. I did not receive that statement at any time. I tried to call on XX/XX/XXXX but kept getting a message that the system was down. I did receive a statement around XX/XX/XXXX with a {$29.00} late charge. Also received a letter around the same time saying that my payment was late. Made the payment by mail and it got to them with no problem. The XXXX statement arrived sometime around XX/XX/XXXX and was promptly paid. Received the XXXX statement paid promptly but they have not posted the payment yet. I have tried calling but have been on hold for a total of over XXXX hours the past XXXX days. They have not been impacted by weather, there is no reason for this poor customer service. They have now charged another {$40.00} late fee for a payment they should have had in the office by XX/XX/XXXX. I am tired of the poor customer service from TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-16 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-10-16 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: PA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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

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