vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: SC

Complaint narrative:
XXXX XXXX acct # XXXX. XXXX  XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX. US Dept. of Education acct # XXXX. Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Privacy Act of 1974. 
They are also marked as charged offs and charge offs are considered income and income can not be reported to 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 non-monetary relief
Consumer complaint received 2024-01-10 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: NC

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous account reporting on my Credit report. 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 non-monetary relief
Consumer complaint received 2024-01-10 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: NC

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous account reporting on my Credit report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NC

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous account reporting on my Credit report. 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Reported Identity theft. the account is reporting to my credit as XXXX XXXX XXXX XXXX Account open on XX/XX/XXXX Closed XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-01-10 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 have reviewed my consumer reports and notice I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in and on this XX/XX/XXXX and XX/XX/XXXX. Please Investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated and to paid as agreed on time as they should be due to the fact I was never late.Please see screenshot attachment.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my consumer reports and notice I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in and on this XX/XX/XXXX and XX/XX/XXXX. Please Investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated and to paid as agreed on time as they should be due to the fact I was never late.Please see screenshot attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. 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 non-monetary relief
Consumer complaint received 2024-01-10 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 submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. 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 2024-01-10 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: WI

Complaint narrative:
Filed a complaint with CFPB in XX/XX/2023 regarding a debt for XXXX. They were unable to locate any information in their system. I called to confirm the company and was again told theres no record of this debt in their system.

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 2024-01-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I received my Equifax credit report on XX/XX/2024 and I noticed some accounts on my credit report are in fact inaccurate and incomplete. Which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) % ( b ), 15 USC 168i ( 5 ) ( A ) ( i ) & ( ii ). I believe honestly that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They must be blind because XXXX XXXX can see that everything is inconsistent. How can One data furnisher or one source of information. That's coming from ONLY one business, report 3 different information. I have attached supporting documentations to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I called the collection agency : Credence Resource Management regarding a past due debt that was originally due to XXXX XXXX. I asked the representative to furnish the original date that this debt was sold, which they could not find or answer. I asked if a validation letter was sent to me and they could not verify ever sending one to me. They confirmed my correct address as well as correct phone number and email. The amount that is shown on my credit file did not match up with the amount the representative told me I owed. The amount became greater. I asked the reasoning behind this and they could not give me any information nor could find any increase from day the collection agency purchased the debt. The original amount shown on my credit report is {$59.00} and the quoted amount as of XX/XX/XXXX is $ XXXX.Throughout the whole phone conversation, the representative was only concerned about me paying them, having asked me five times throughout the call. He also quickly changed the subject when I asked for my validation letter, dates, and the incorrect amount to changing the subject to insisting a payment and the form of payment I want to use. I understand that this is a very small increase and I can pay the amount, however, the information I asked about the correct steps the agency was suppose to take were never taken, with no intent of researching the questions that I legally have the right to receive. This collection agencys practices are not conforming to the lawful steps that agencys need to take. 

The date that the agency obtained this debt was XX/XX/XXXX. 

I have not had XXXX XXXX in over 6 to 8 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am being charged late fees when I am not getting online statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have been unable to pay my bill for a month or so. I explained to them my situation and told them Id pay as soon as I was able. They wanted the payment in less than 5 days and when I explained that it wasnt feesable they wanted it before 15 days. I got frustrated and hung up, and they have been calling non-stop all hours of the day leaving me vaguely threatening voicemails telling me to have my attorney call them that day or they will escalate it further. No mention of a debt collection has occurred, and I havent been able to get ahold of anyone when I call them back. I have been receiving upwards of 7-15 calls a day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 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: LA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a letter from Weltman, Weinberg & Reis Co., LPA. 
This letter notified me that they were acting on behalf of XXXX XXXX, and that the letter was an attempt to collect a debt of {$5100.00}. On XX/XX/XXXX, I mailed a letter to Weltman, Weinberg & Reis, at the return address listed, requesting a validation of this debt. As of XX/XX/XXXX, I had yet to hear back from this firm and had since moved onward. 

However, today at XXXX. I received a text message from a debt collection firm, offering to represent me in my " upcoming case '', and referenced a case number in my local Municipal Court. This case number shows that Weltman , Weinberg & Reis has filed a judgement against me, ignoring my request for validation. While I have yet to receive an actual letter regarding this upcoming case, court records clearly show that this is indeed the current state of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I purchased a vehicle from XXXX and financed through Bridgecrest in XX/XX/XXXX. The vehicle had to have major engine repairs 6 days after delivery. XXXX refused to accept a return at this time and informed me to make use of the limited warranty. The vehicle was in a repair facility 7 times in XXXX and 6 times in XXXX. The warranty eventually expired and I was forced to pay out of pocket XXXX  of dollars all while paying the car payment. In XXXX of XXXX, the vehicle was again inoperable and I received several estimates on repair. I contacted Bridgecrest several times in XXXX and XX/XX/XXXX to submit a voluntary surrender. I was initially told that I would need to be present at the surrender which I agreed to be- the vehicle was XXXX hours from my home. I called several days after that call to confirm a pick up time and spoke with a different employee who informed me that they are refusing to accept the surrender. This was in XX/XX/XXXX of XXXX and at this time the payments were current. The bank is now reporting late payments but refusing to accept a voluntary surrender.

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 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We purchased a mobile home in XXXX and financed it through Ocwen. Well, in XXXX, the mobile home burned ; we were having a lot of financial difficulties at the time and, therefore, only had a lender place insurance through Ocwen on the property. Well, the County in XXXX, GA, was telling us to clean up the property, or we would be fined $ XXXX, which we couldn't afford. We called the Ocwen insurance rep and tried to get them to come take a look for several weeks, which the insurance rep kept putting off. We finally called and told them we had to do something now, and the County wasn't having it. The insurance rep told us to go ahead and do what was necessary, and he would file the information on his end to let the company know ( insurance company ) and it would all be fine. Well, it wasn't fine ; the insurance company supposedly ( according to Ocwen ) refused to pay because they didn't get to look at the trailer. Then, before we even found out about the insurance denial, Ocwen sold our mortgage to another company, which has now done so, I think, 2 more times. Then we find out that Ocwen and the other companies that they sold our mortgage to are all within the same organization. Same building, same workers, etc. We were getting the runaround and shafted as they still want us to pay on a loan that we firmly believe has been paid off. They won't provide us with any documents to show that we ever gave permission for our mortgage to be sold. Also, we have since moved a house onto the property that is included in with the mortgage but the house we paid cash for and are remodeling the home. They are trying to claim that they will forclose on our home that we paid cash for since we moved in to that property and they claim legally they can. No one will go up against this company in GA because of the money they bring to GA but, GA government is as XXXX and XXXX as they come. It's like mob or something. Our Loan number is XXXX with XXXX PHH Mortgage. They are illegally stealing our money. We need help!!!! My phone number is XXXX and please leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received two letters indicated that WF fraudulently obtained and then used my personal information to set up I requested accounts. I spoke with WF and was told I would receive two checks : {$240.00} {$3400.00} Said checks would be received within twenty days, XX/XX/XXXX or XX/XX/XXXX. 

Then on XX/XX/XXXX, I received a THIRD letter outlining WF fraudulent conduct involving additional actions. I contacted WF again and was told, I would receive a THIRD check in the amount of ; {$2600.00} AS OF TODAY XX/XX/XXXX I HAVE NOT RECEIVED ANY CHECKS WHATSOEVER. 

What I have received is a royal run around with incorrect, duplicitous, information. 

I filed a complaint with WF, and discovered that the first two checks were not approved until XXXX respectively and the third check, subject of the XX/XX/XXXX co tact has still not been approved. 

I have been sent back and forth between various departments at WF. The last contact was today, XX/XX/XXXX where I was told the matter is being handled by XXXX XXXX, but my request for XXXX contact info was refused. 

I filed a complaint on XX/XX/XXXX COMPLAINT # XXXX There is absolutely no oversight, respondents give patently incorrect information, refuse to provide particularized information as to who can resolve the matter and send me to myriad departments, which engage in conduct which obfuscates and withholds. 

BASTE!!!!!! 

I want all three checks ASAP, without further delay.

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