vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. TRANSUNION and XXXX Have violated my federally protected consumer rights to privacy, confidentiality and publish information to my credit profile without my written consent. As a consumer I am protected from this types of IDENTITY THEFT under 15 USC 1681. The account that is illegally on my profile is : XXXX XXXX XXXX open XX/XX/22. XXXX and TransUnion both have committed fraud and have violated my right Under 15 USC 1681 section 604a section 2 : it States that a consumer reporting agency can not furnish a account without my written instructions. I have not provided my written instruction to TransUnion or XXXX. In section 15 USC 1681c ( A ) ( 5 ) Section states, no customer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which and antedates the record report by more than seven years. I have not been convicted of a crime in seven years or ever. I otherwise as a consumer : Have the right to privacy as stated Under 15 1681USC section 602a.

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 2023-01-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
This is one of many issues I have been having. I have made Ocwen aware they have been charging me {$12.00} each month when we paid our mortgage over the phone. We did not make payments with a live person. I called Ocwen as I believe in Maryland this was not allowed. 
Ocwen said they could only see two phone payments we made but did not do a complete audit. Well we have found 18 months of fees so far. I have reached out to Ocwen and their Ombudsman and no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I wish this to reflect that it is about Comenity XXXX XXXX. I have always paid this account on time every time. My bank sent a check to this credit card company to be received XXXX XXXX XXXX the XXXX on a bill that was due XXXX the XXXX. Thamount of {$22.00} was to pay the account in full. They claim they did not receive that chat which was due to be received by them XXXX the XXXX until 13 days later On XX/XX/XXXX. That just happened to be the closing date for them to mail out my statement. They arevthe only ones in control of honestly or fasely stating when they received payment. Apparently my check laid around their office until they decided to send out my statement. So I was charged {$22.00} plus {$2.00} interest For not having paid the bill by the XXXX period thus I'm being penalized {$24.00} for their tardiness in posting my my payment. It is UN reasonable that it took them 13 days to receive the check that was mailed by the bank. I have never had a payment be late when it was timely mail by my bank I contested this issue so I have been TEMPORARILY credited with this amount. However their letter of XX/XX/XXXX indicates if this issue is found in their favor ( which only they have control over, so of course they decide in their favor ) I will still owe this a mile plus interest and penalty for possibly up to 3 months, 90 days. if they say it will take them to " investigate ''. Therefore to avoid them coming back and Charging more money I tried to pay the {$22.00} contested. But they will not let me. Therefore at the end of this period I could owe them the {$22.00} + no telling what penalties they will add. They are In complete control and can say a payment sent by the bank takes 13 days to be received all the time. First time ever for me.Obviously this is an unfair business practice that if they do this to enough people, they could benefit quite handsomely. I believe more scrutiny should be made of this kind of billing practice that Prevents a person from not owing more than the contested amount. I am quite willing to pay it today if they will refund it when a decision is made. However they would not let me by phone and the online account will not let me. Then they can come back in 90 days and say I owe them more? They would not let me speak with anyone today to resolve this today, even with me making payment of the amount in dispute. So I have this hanging over my head for 90 days. As a patient in XXXX XXXX, I do not need this worry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo to close my credit card. I had a credit balance of {$46.00} and requested for a check to be sent to me. I called again on XX/XX/XXXX checking where my check is. I was told it would take 7-14 business days. I called again on XX/XX/XXXX, I was told by rep XXXX that I'll give it until XX/XX/XXXX, and call back on the XXXX if I didn't receive the check by the XXXX. I requested for the check to get replaced but XXXX was not willing to replace it. I called again XX/XX/XXXX, spoke with XXXX, still no check and was told to wait until XX/XX/XXXX. This has been going for over a month and it makes me wonder if a check was really sent. It is hard to trust Wells Fargo since this company has a tarnished reputation and a repeat offender.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2022 a mobile deposit was made to my account in the amount of $ XXXXThe very same day 2 transfers were taken from my account in the amounts of {$5000.00} and {$13000.00}. The same day a deposit correction was taken out of my account in the amount of {$17000.00}. None of these trans actions were done by me and I did not receive any notification that these transactions occurred. I did not find out about this until I tried to use my debit card several days later. I have never deposit money in that amount nor transferred money in that amount in all the years I have bank at this institution. The bank did what they called an investigation and said I was responsible. The bank would not give me any information as to where the money was transferred to to the just froze my account and then closed it. I don`t know how someone got my information to be able to do this but I would think that the bank would have better safe guards in place to watch for thins like this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, 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:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : 15 USC Section 1692C -NO RESPONSEFROM : XXXX XXXX Equifax and XXXX or the creditors and no actions- Sent to all of them Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX, Equifax XXXX and XXXX XXXX ) don't have the right to report anything on your credit report without your written consent whichyou do not have that right To Whom It May Concern, I am disputing th e- referenced debts below. Pleaseverify this debt as required by Fair Debit Collecti on Practices Act.

BecauseI am disputing t hisdebt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agenciesinform them that t hisdebt is disput ed and ask them to delete t his from my record report reporti ng inform ation t hat you know to be in accurate or failing to report information correctly violatesthe fair cred, it reporting act. The law states theseitems need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692Crequires that youhonor this reques.t Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX XXXX Equifax and XXXX ) don ' t have the right to report anything on your credit report without your written consent which you do not have that right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, 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:
RE : 15 USC Section 1692C -NO RESPONSEFROM : XXXX XXXX XXXX and Experian or the creditors and no actions- Sent to all of them Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX, XXXX XXXX and Experia n ) don't have the right to report anything on your credit report without your written consent whichyou do not have that right To Whom It May Concern, I am disputing th e- referenced debts below. Pleaseverify this debt as required by Fair Debit Collecti on Practices Act.

BecauseI am disputing t hisdebt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agenciesinform them that t hisdebt is disput ed and ask them to delete t his from my record report reporti ng inform ation t hat you know to be in accurate or failing to report information correctly violatesthe fair cred, it reporting act. The law states theseitems need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692Crequires that youhonor this reques.t Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX XXXX XXXX and Experian ) don ' t have the right to report anything on your credit report without your written consent which you do not have that right

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
This company is not actual XXXX XXXX. You can not contact them or make payments on the website it is always down! I tried contacting them about my card being lost and they claimed I owed XXXX then XXXX different amounts everytime! They're dispute /fraud dept is closed! And now I have them on My credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXXXXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
IN XXXX OF 2021 I WAS NEVER BEEN LATE ON THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My wife and I have had a credit card with Nordstrom since XXXX. And my wife and daughter XXXX XXXX XXXX XXXX of Nordstrom. I am extremely disappointed by the negative impact I am having on my credit. 

I paid my account in XX/XX/XXXX. In XXXX and XXXX, my bookkeeper failed to make payments due to unforeseen personal circumstances. Once I realized that the card was past due and charging late fees of {$37.00}, I paid the late fees and balances owed in XXXX, but late fees continued to be assessed up until the balance owed and fees were paid on XX/XX/XXXX. When I paid the late fees and balance I called Nordstrom Customer Service to request a one-time courtesy reversal, the agent told me he wouldnt remove the 30 day late off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation