vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XXXX, 2020. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to Experian. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off. 

I called XXXX  about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank, NA has acknowledged that they have unlawfully opened deposit accounts without my knowledge however, Wells Fargo Bank Card Services however has failed to acknowledge the unlawful credit card accounts opened, destruction of my credit worthiness and continued account takeover fraud despite the overwhelming amount of evidence that I have provided. This is a blatant violation of the CFPB XXXX OCC legislative agreement reached earlier this year. Wells Fargo continues to engage in abusive sales practices, fraud, conspiracy to commit fraud, account takeover fraud, destruction of my creditworthiness and failure to assist me and refusal to reimburse all fees associated with the fraud regarding accounts in my name should be noted and investigated.

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 2020-11-10 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: NJ

Complaint narrative:
I believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I contacted XXXX at XXXX regarding a financial hardship I was presently experiencing, NOT RELATED TO COVID-19, and made them aware that my XXXX payment will be late. They documented same and immediately begin harassing phone calls and emails regarding my payment delinquency. Although, I made my XXXX payment as soon as I could ( XX/XX/2020, when I received my pension check ) ; they threatened me that if I did NOT make my XXXX payment before XX/XX/XXXX, they will submit to credit bureaus, derogatory remarks/delinquent/etc. and they did causing my credit score to be reduced by " 50 POINTS ''!!!!! As I had been working so hard and so diligently to get my credit back on track after bouncing back from Chapter XXXX bankruptcy ; this really hurt me and my continued efforts to strive to increase my credit and get back on track. When I called on yesterday, XX/XX/2020 and spoke with a supervisor at XXXX, she admitted to be aware of the conversation regarding my hardship ; however, she stated that " unfortunately because my payment was more than 30 days late '', there was nothing to XXXX could do. Please note that I was one ( 1 ) payment late and this should not have caused this HUGE reduction in my credit score. Thank you so much for your time and consideration. 

Sincerely, 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 2020-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
My credit score with Transunion and XXXX was dropped 31 points with no explanation, I've been trying to contact them but with no success, this is making my finances explode in a very bad way when it should have never happened seeing all my accounts are current Thank you 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 2020-11-10 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: NJ

Complaint narrative:
I believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.

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 2020-11-10 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: NJ

Complaint narrative:
I believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I zelled over XXXX expecting a product. I was previously under the assumption that I had been scammed because he wouldnt get back to me but he got back to me recently saying that he never received the payment even though the money went out of my account so he didnt send over the product I was supposed to receive. I dont know the legitimacy of his claim but if this is is true I dont know why my money went out.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX  credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment toXX/XX/XXXXXXXX  who both billed for the insurance and offered it from the beginning. Since synchrony bank received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.

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 2020-11-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with the Experian Credit Bureau about the unverified account : XX/XX/XXXX -- Account Number XXXX. In those 2 Months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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 2020-11-10 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: NJ

Complaint narrative:
I have experienced identity theft at the hands of someone I do not know. They have used addresses, opened accounts, which left me with a depleting credit score. I need this incorrect information deleted from my report so I can move on with my life.

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 2020-11-10 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: NJ

Complaint narrative:
I have experienced identity theft at the hands of someone I do not know. They have used addresses, opened accounts, which left me with a depleting credit score. I need this incorrect information deleted from my report so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had an old Sears credit card - they were bought by Citibank before the stores went out of business. There was a charge made for under {$20.00} that I don't remember making but I never received a bill. When I finally got a notice I paid the bill. Then the same thing happened again. It seems Citibank was tacking on late fees to a {$10.00} account balance after I thought I paid in full according to the bill I received. Finally I just paid the full amount and called to have the account closed. 

I have perfect credit and this was a case of not receiving notification of the bill for several months. I honestly don't even remember the charge. I think there has to be some responsibility shared by the creditor in not communicating the charges with me on a bill for under {$20.00}. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TX

Complaint narrative:
Trying to get credit inquiry removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: NJ

Complaint narrative:
I have experienced identity theft at the hands of someone I do not know. They have used addresses, opened accounts, which left me with a depleting credit score. I need this incorrect information deleted from my report so I can move on with my life.

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 2020-11-10 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: GA

Complaint narrative:
Dear XX/XX/XXXXTransUnion/ XX/XX/XXXXDear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-11-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on my XX/XX/XXXX account in XXXX 2020. I requested that XXXX XXXX  forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: NH

Complaint narrative:
My credit score withXX/XX/XXXXand Equifax was dropped XXXX points with no explanation, I've been trying to contact them but with no success, this is making my finances explode in a very bad way when it should have never happened seeing all my accounts are current Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I called Citi to make a payment arrangement on XX/XX/XXXX, whereby my account would be closed ( i.e., no further charges ) but the interest rate would become 0 % and I would make 60 equal monthly payments of {$87.00} starting on XX/XX/XXXX, which Citi would take automatically out of my checking account. At the end of 60 months, my Citi balance would be {$0.00} and the credit card would be considered paid off in full. 

Citi failed to take {$87.00} out of my checking account on XX/XX/XXXX and again on XX/XX/XXXX. Instead, according to their most recent statement on XX/XX/XXXX, I have a minimum payment due of {$990.00}. I called Citi and they acknowledged verbally that the payment arrangement of XX/XX/XXXX is valid but that Citi 's computer systems have failed to process it correctly. The matter is being reviewed by Citi 's " offline team, '' but so far they have taken no action to correct the problem. 

In the meantime, Citi 's computer system has generated demand letters to me for the minimum payment due as " reflected on [ my ] monthly statement. '' The Citi letter states that they " may report information about your account to credit bureaus. '' The persons I spoke to today at Citi are unable to do anything regarding credit reporting, but they did confirm that such credit reporting is done automatically by their computer. 

It's pretty obvious at this point that Citi 's " offline team '' is taking forever to fix their processing glitch and that I am likely soon to be vicitimized by Citi 's computer 's automatic false negative report to credit bureaus, which will no doubt cause me harm ( such as potential denial of new credit from other creditors, or denial of a job by a prospective employer! ). 

I have tried to no avail to escalate the matter within Citi. XXXX, employee ID XXXX, account manager at Citi, is the highest level person I have been able to speak with. He is arranging for his manager to give me a call back within 3 days, but XXXX says that he or she operates from the same operating manual as XXXX and therefore won't be able to offer me any relief.

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 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX of 2020, mid pandemic, and unemployed, I set up automatic payments to pay my credit card debt to my amazon synchrony bank card. I frequently made additional payments to the {$65.00} automated payment, until XX/XX/XXXX, when I paid the remaining balance in full of {$79.00}. For a few days my account was considered closed and no more payments could be made. I was satisfied. I see later that the creditor had continued to attempt to take money out of my bank account. I eventually received a refund check of {$65.00} for the first attempt. It continued multiple times a month in the same billing cycle that they tried to take {$65.00}, usually over-drafting my unemployed-esque credit union account. 
At this point my paperless mobile statements were inaccessible, as the account was legitimately paid off and closed for a period of time. I couldnt access all of these transactions on my end, while an agent poorly assured me that no more payments would be taken out on there behalf. 
A week later, XX/XX/XXXX, my amazon store card balance was {$81.00} and some change. I spoke directly to synchrony bank, where they assured me a payment of mine from XXXX did not process, although it showed that it did on my end. She said the {$81.00} balance was valid. I settled with that because I just wanted the card out of my business and for them to stop calling. That same day, my transaction history shows that they charged a late fee, refunded said late fee, charged {$65.00} and then interest. A week or so after, I check my store card and now the balance is {$180.00} with a minimum payment of {$100.00}. I simply can not fathom paying this, when I was paying it OFF in XXXX. 
I have exhausted all conversation with their company. They continued to call me multiple times a day, leave voicemails, and now text me, all weeks before its even due. Yesterday, I received an email, phone call, and text, all within the hour, reminding me of this money I owed. All of this is happening while I am unemployed, trying to make ends meet. I had to close my credit union account because the only transactions were synchrony bank taking money I didnt have, multiple times a month. Ive been working for months to repair my credit and synchrony bank is making it impossible.

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