vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 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: AZ

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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$3900.00} has violated my rights 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 2024-07-08 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: AZ

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 XXXXXXXX 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 {$3900.00} has violated my rights 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 2024-07-08 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: OR

Complaint narrative:
This account was charged off on the following date : Date Opened : XX/XX/2022 since then the account has repeatedly been updated as charged every month. This is an update on the payment history. A charge of account shouldnt include an active payment history. this inaccurate information falsely manipulates the statute of limitation. please investigate this account properly after I asked you to do it twice and your neglect has violated my rights, I am demanding a deletion of the following Account : Creditor Name XXXX XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened a credit card with CitiBank. There was an issue receiving the digital copy of the card, but I made an account and proceeded to follow the steps. At this point it didnt allow me to use the digital version of my card until I received my card and I put my security code. Thats fine, but once I received my card and I put my security code, they automatically locked my card and gave me a number to call to verify my account. When I called, they asked me for a different phone number than what was on my account and if I was at work. Then they said they couldnt verify. 

I said you guys cant verify me with the same information I used to open an account, then close my account. They refused to close my account. Literally holding my credit hostage and forcing me to be a customer. They are willfully withholding my product and not following what was promised after they pulled my credit and we entered into a credit card agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiries found in 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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was charged with a great deal of overdraft fees from the time I open my account until I was forced to close my account due to XXXX of over draft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: CA

Complaint narrative:
I asked Experian to remove the item from my credit report, because the account was charged off and no longer a debt with XXXX ( XXXX XXXX ). They have sold the debt to another company and is no longer their account to report on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Constantly requesting information to show proof and validity of the reinvestigations of my complete and accurate identity theft reports. The credit furnishers refused to block fraudulent accounts and do a complete and full reinvestigation. The creditors or credit furnishers did not give me complete and verified information that I requested. It's easy to say my name and address and social is verified if someone is using my personal information than it would have be accurate. What about the rights of the consumer who has been victimized? I demand a full and complete reinvestigation and to block all fraudulent accounts listed on my complete identity theft report not pick and chose what should be blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: PA

Complaint narrative:
Constantly requesting information to show proof and validity of the reinvestigations of my complete and accurate identity theft reports. The credit furnishers refused to block fraudulent accounts and do a complete and full reinvestigation. The creditors or credit furnishers did not give me complete and verified information that I requested. It's easy to say my name and address and social is verified if someone is using my personal information than it would have be accurate. What about the rights of the consumer who has been victimized? I demand a full and complete reinvestigation and to block all fraudulent accounts listed on my complete identity theft report not pick and chose what should be blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The loan was paid off with the lender, the lender did not process the payoff payment amount in a timely manner after being recieved. The lendor then reported the account as 30 days delinquent on the credit report with caused the XXXX score to decrease. All attempts to contact the lender gets caught in an automated phone loop where it is impossible to speak with a live person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: HI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-07-08 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: CA

Complaint narrative:
XXXX XXXX  has inaccurate dates as when account had been opened and also inaccurate high balances and inaccurate credit balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH capital 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 in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TX

Complaint narrative:
My account with ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH capital 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 in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
on XX/XX/XXXX XXXX XXXX a disgruntled client XXXX XXXX XXXX by telling her bank the XXXX payments she made for my company services were never received. She then submitted a XXXX dispute on XX/XX/XXXX, for the XXXX payment stating the services were not as discussed, Bank of America ( my bank ) allowed XXXX  ( XXXX ) by proxy of the clients banks, to Remove the payments as a " XXXX  '' even though i have SIGNED CONTRACTS with the client stating NO REFUNDS of any kind for any reason, as well as email / text chains with her confirming the receipt, I Tried to reach out to the bank directly asking why they allowed this to happen without reaching out to me for documentation, i was then told to follow an incorrect claim path by the BOA agent wasting more time, to which i filed an unauthorized ach form that the bank rejected claiming the contract i have with my merchant XXXX  is valid, even though MY contract directly with the client supersedes the merchant agreement, and should be held accountable by my financial institution. 

By my bank allowing my XXXX payments of {$4000.00} being removed from my account illegally, without following through as a business checking account should, This has caused my bank account to be negative multiple times, multiple payments and loans being paid late, as well as my credit dropping substantially. Not only this because they kept fighting with XXXX for this money they added and removed the same amount from my account multiple times causing XXXX chargebacks to negatively affect my account XXXX  times!. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX The email chain attached shows her response that makes no sense, and my response with direct references from her signed contract that clearly states NO REFUNDS for any reason post delivery, she is just unhappy with the price it will cost for her to construct the design she directed us to make. 
The email below is starting from the most recent reply and going backways. 

I am also including the text message receipts of delivery of services. 
Also you can click on THIS LINK XXXX XXXX XXXXXXXX XXXX To actually see the project that we delivered and how much work and time was involved. 

I have ben waiting for over XXXX and a half months now for a resolution.

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 2024-07-08 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: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Around XXXX XXXX, 2023, I reached out to my then loan servicer, PHH Mortgage, seeking relief. My XXXX  finalized on XXXX XXXX, 2023, and I was at risk of falling behind on mortgage payments. Initially, PHH Mortgage approved a XXXX  plan over the phone and informed me that a plan details would be received in the mail. Instead, I received an invitation to apply for mortgage relief around XXXX XXXX, 2023. I promptly called PHH Mortgage requesting an explanation. They denied ever approving a XXXX, told me I was not eligible, and that I can apply for relief on their website. I applied on the website that night, to include all required documents. I also sent all required documents to the email address on the application form. 


PHH denied receiving all required documents in its entirety and my application for relief was placed in a " review '' status. I called to ask what documents I failed to send them, and they simply stated " other documents ''. I again sent them already submitted documents via email and through their online portal. During this time I kept the monthly payments in reserve while I struggled to meet my other obligations from my XXXX XXXX XXXX. Each week I called to check on the status of my application and to learn about the ramifications of missing payments while my application was pending. 

PHH informed me that no negative reporting would occur until XXXX  days past due. Shortly before the XXXX  day mark I called PHH again to inquire about the status of my relief application. The status was still under review. I logged into the website to settle the outstanding balance, but I was blocked from making any payments. I called PHH to make a payment over the phone, but was told that I am blocked from making payments. A representative went so far as to tell me to not make any payments as that would negate the need for the relief I was seeking. 

After XXXX  days, PHH sold my mortgage to another loan servicer, XXXX XXXX, and approved " relief '' with terms nearly double my current schedule. I applied for short term payment deferment, as offered on PHH 's application. I was instead offered an untenable loan adjustment after PHH destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: IN

Complaint narrative:
On XXXX XXXX, I disputed the inclusion of the XXXX XXXX XXXX account on my credit file. I had no prior business relationship or a contractual agreement with XXXX XXXX XXXX. The FCRA requires credit reporting agencies to remove inaccurate, incomplete, or unverifiable information. As Transunion Credit Reporting Agency did an investigation, I requested documentation of the investigation process. I did not received any documents from Transunion, which is a violation of my consumer rights. By law, the disputed items SHALL be removed promptly. See attached file. 
Thank you for your attention to this matter. 
Sincerely, 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 2024-07-08 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: HI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-07-09 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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