vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-04-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-04-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theftt Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2022-04-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to the Fair Credit Reporting act, - 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

- 15 U.S.C 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights by reporting a duplicate account. 

XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  # XXXX, has violated my rights.

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 2022-04-28 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: MI

Complaint narrative:
I am the natural person, consumer and original creditor. I entered into a consumer credit transaction with XXXX  XX/XX/2016. They are committing fraud because they got paid with the finance charge and mislead me to believe i still was suppose to pay them monthly payments, but my social security number paid for everything initially. They are also infringing upon my privacy because they sent my information to consumer reporting agencies without my written consent. Now those reporting agencies are reporting this alleged debt negatively to my consumer file. This is also fraud because that is my information nothing is suppose to be put on there without my consent on top of that everything must be accurate and they are suppose to interview friends and family which they never did. I am the consumer everything starts and ends with me.

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 2022-04-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am the natural person, consumer and original creditor. I entered into a consumer credit transaction with XXXX  XX/XX/2016. They are committing fraud because they got paid with the finance charge and mislead me to believe i still was suppose to pay them monthly payments, but my social security number paid for everything initially. They are also infringing upon my privacy because they sent my information to consumer reporting agencies without my written consent. Now those reporting agencies are reporting this alleged debt negatively to my consumer file. This is also fraud because that is my information nothing is suppose to be put on there without my consent on top of that everything must be accurate and they are suppose to interview friends and family which they never did. I am the consumer everything starts and ends with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2022-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
During the Covid pandemic we did a forbearance with the lender, after the forbearance ended in XX/XX/2021. We contacted the lender with a HUD certified housing financial advisor and requested a loan modification. We received the forms for the mortgage company, filled out all forms and returned them by email before said due date. We got conformation the forms were received. Then we started getting calls saying they were missing page,2 then there are missing page,4 and so on each month its something different.. On XX/XX/XXXX spoke with XXXX agent sign ( XXXX ). He was ask if update of proof of income was needed he said no. Then on XX/XX/XXXX a XXXX agent sign ( XXXX ) called requesting update of proof of income. Things like this has been going on scene XX/XX/2021. Each month its something different every agent says they are missing something different.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX ; XXXX XXXX  ( Hotel and travel XX/XX/XXXX, XXXX XXXX  XXXX XXXX my rights. 

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

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX ; XXXX XXXX  ( Hotel and travel XX/XX/XXXX, XXXX XXXX  XXXX XXXX my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I disputed a series of charges against my account totaling {$31.00}. 

Upon review of my last two statements, I see that I have been charged a late payment fee of {$27.00} on XX/XX/22 plus a {$2.00} interest fee on XX/XX/22. This was AFTER my payment in full of {$27.00} was paid and processed on XX/XX/22, as clearly shown on the statement I was sent and verified by the account summary on your website. Also, despite this balance being paid in full by me on XX/XX/22, which was an error on my part and I should have investigated instead of allowing it to be paid by my bank automatically, I was AGAIN charged a {$2.00} interest charge on XX/XX/22 with no outstanding balance on the account. 

I sent a letter in writing to the company on XX/XX/22 and received no response, my account shows no change, and I am unable to get through via phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Direct Recovery Services, LLC
State: UT

Complaint narrative:
XXXX am XXXX & XXXX XXXX XXXX XXXX XXXX left me a message. First of all I have been identity theft, and have reported this to the federal government, and have told all my accounts and they all were closed. I have as I write this a company helping me resolve this. As the accounts report to the credit bureau and I am informed that they are MY debts I have paid them off. Every single one. " XXXX '' and XXXXXXXX XXXX are NOT on my credit report. " XXXX '' left a message saying " My office has spent enough time and resources trying to reach you already. It is definitely in your best interest to return this call immediately to resolve this matter voluntarily. This is my final attempt to try to help resolve this matter voluntarily. Good luck to you and pay online. I have not spoken to this person one time. He didnt know who he was calling or leaving a message for, or even if It is MY debt. I feel threatened. Its not that serious. And you can report me to the credit bureau. That hasn't been done. So why leave me threatening messages. These people are dangerous and need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
In short, we purchased furniture through a 48-month equal pay no-interest credit card offered by XXXX XXXXTD Bank. We have made every payment on time through autopay with our bank XXXX XXXX Everything has been fine, but around XXXX of XXXX, they started to recieve our payments late and charging us late fees. We called and moved up the payment another week in our system. Still, they received late. We called again, moved it up another week, and still, they charged us a late deposit. At this point, after calling and trying to work it out, it is clearly intended to make money, or they are completely incompetent. They owe us over {$130.00} in late fees that frankly were not sent out late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

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 2022-04-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I attempted to pay my Best Buy debt ( Account # XXXX ) and was unable to do so because the account is to old and because the company issued a 1099-C form. Im currently working with a mortgage company and they are requesting I pay the account in full. After multiple attempts to pay the account off, and after being told I was issued a 1099-C form, is it possible for my Best Buy account to show a balance of {$0.00}. 

Thank you for your time!

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 2022-04-28 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: FL

Complaint narrative:
in accordance with the fair credit report act XXXX  account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15

usc 1681 section 604 states 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a 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 2022-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the fair credit report act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 states 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Add statement from consumer to XXXX XXXX account. 

Dear CFPB, XXXX XXXX has consistently hounded and reported to the credit buraus with the intent to label me as a financial risk. 

The sad fact is that life happened to me. Unfortunately, in 2018 due to unemployment XXXX XXXX would not negotiate a payment plan. There was a balance of {$140.00} left before the bank would be required to refund me my {$1500.00} deposit on the secured card. 

In all common sense, why would I as a consumer deliberately throw away {$1500.00} of my own assets without any intention of recoupment.

The Federal Statutes are supposed to be in place to assist consumers and not to allow corporations to unduly take advantage. However, my case is just one of the many more situations out there in which corporations can run the roost, manipulate and fabricate records. 

So let this be an added document to my record when I apply to creditors in order to maintain and obtain needed resources, such as credit, housing, transportation etc. to care for myself and my aged parent. 

Despite a payment arrangement in place, upon arriving to make payments the account was closed. And this has been an ongoing dispute. XXXX XXXXs investigation in XXXX, claimed no voice recording or documentation was found in their database supporting that I attempted to pay the balance.. 
XXXX XXXX can continue to report up to their maximum seven ( 7 ) years seeing it brings them satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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:
I used Bank Of America to pay for my stay in a villa in the XXXX XXXX. This company holds an account with Bank Of America so I felt protected if anything were to go wrong. My first deposit was on XX/XX/XXXX in the amount of {$2000.00}, then my second deposit was on XX/XX/XXXX in the amount of {$6400.00}. I called Bank Of America and explained to them what happened and they said there was nothing they could do even thought it was from an account in their bank.

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 2022-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
XXXX XXXX. XXXX Servicer : Mr. Cooper aka XXXX Mortgage. 

During Covid-19 I received a forbearance of my home loan under the Cares Act due to financial hardship. It lasted 18 months and ended XX/XX/XXXX. Afterwards, I was approved for a Payment Deferral Plan. ( See attached ). 

Mr. Cooper was authorized to withdraw the funds in 2 lump sums from my bank account in XX/XX/XXXX to bring my account current. In accordance with the Forbearance and the Deferral Plan, my account was to remain in good standing with the credit bureaus. 

However, Mr. Cooper failed to withdraw both payments from my account and instead chose to withdraw only one. Sufficient funds were in the account. As a result of its negligence, my account was not brought up to date as per the agreement. 

I received notice in XX/XX/XXXX that my payments had not been made and therefore my account was placed in default! And it was reported to the credit bureaus that I was 180 days delinquent on my account! This was false and was caused by Mr. Coopers own negligence and was no fault of my mine. 

Mr. Cooper has refused to acknowledge its error and instead blames me for the lack of payment. Since then, I have made all payments due on the account, they refuse to remove the negative reports from my credit report. 
They also continue to send me foreclosure notices, post them on my door, and then send letters to disregard. This has caused great harm, financially and emotionally including distress and anxiety. 

These actions are in violation of the Cares Act and the CFPA. XXXX is known to act unscrupulously when it comes to servicing mortgages. I would like this wrong to be righted.

Company response to consumer: Closed with explanation