vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 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: FL

Complaint narrative:
I have had numerous problems with XXXX XXXX. I have a home mortgage with them. They have sent my payments back into my bank account instead of applying them to my loan payments and they ruined my credit score by several hundred. Had to report them for that. Now they have not reported my XXXX 2020 mortgage payments on my bank account. The incorrect loan amount is on my credit scores and my bank account. I emailed them every day to complain so I have it in writing and no one will fix the problem. This has been going on since XX/XX/2020. They also never send me my monthly statements, I will get one month then not another. I can not believe this bank is so slow to fix a HUGE problem that is effecting my credit scores. I have the credit bureau also looking into this with disputes but still no reponse from this bank. This bank should be fined, put on probation and monitored for a year. I want all my past monthly statements, my loan amount to be up to date EVERY month and to update all credit bureaus monthly for the duration of this loan. If they can not do this then sell my loan to a reputable bank with all the same parameters remaining.

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 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian has no credit score for me and it's stopping me from a loan or anything they have same info as the other agencies and they both have scores for me I need this fixed

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 2021-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
{$80.00} taken out from two different customers without authorization when services were performed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My application with Wells Fargo was denied. They stated it was because of a repossession on credit report. There is no repossession on 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 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im concerned with quite a few addresses that keep showing back up on my account that I cant seem to permanently get rid of ... Also theres an account for XXXX  thats dated XX/XX/2020 which absolutely does not belong to me because I havent visited any hospital lately. Theres an account for XXXX  which I have no recollection of or do I even no what that is. Im very concerned as to y I have some sort of Federal freeze that I will make sure I call first thing Monday morning. The sooner someone gets back to me the better Ill feel about all of the identity theft that I seem to be having issues with a lot lately!

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 2021-01-03 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 sent a letter out on XXXX-2020 regarding the inaccurate accounts on my credit report. It has now been past 45 days and still to this day I have not received a response to my letter. According to Section 611 ( a ), a failure to properly investigate these items within 30 days gives a reason to have the items removed from my credit report immediately. Its now past that grace period and I am demanding that the items be removed now. Failure to remove these erroneous items will cause me to file for litigation. Also due to the XXXX  Data Breach my information has been compromised.

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 2021-01-03 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:
I sent a letter out on XXXX-2020 regarding the inaccurate accounts on my credit report. It has now been past 45 days and still to this day I have not received a response to my letter. According to Section 611 ( a ), a failure to properly investigate these items within 30 days gives a reason to have the items removed from my credit report immediately. Its now past that grace period and I am demanding that the items be removed now. Failure to remove these erroneous items will cause me to file for litigation. Also due to the XXXX  Data Breach my information has been compromised.

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 2021-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Harassing phones calls this debt is over 7 years old. They are now reporting it as a new debt which is completely false. They call all day leaving very threatening voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Harassing phones calls this debt is over 7 years old. They are now reporting it as a new debt which is completely false. They call all day leaving very threatening voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
According to the Credit Repair Organization Act, businesses are not able to charge for credit repair services until they have been rendered. This business has charged be for 7 months, approx {$900.00}, with no ability to show actual services rendered. They say they are sending repair request letters, however some of the things that need to be repaired are incredibly simple items that I was eventually able to solve on my own with a simple stock letter from XXXX. And I have my account set up to receive alerts when disputes are returned. And I have not received dispute resolutions from my creditors, which means no letters have been sent out. This is blatant fraud, and illegal according to the CROA. 

I have tried multiple times to cancel with the company and they keep charging me. I have called and cancelled over the phone and sent letters through the mail, as is stated in the agreement in how to cancel. But they simply say that they never received the letters. This company is blatantly committing predatory fraud. If you do start doing business with them, the only way to stop is to cancel/change your card so they can't keep charging you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: NY

Complaint narrative:
XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX report which they removed it. XXXX and Transunion have not removed it. 

Transunion after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. XXXX wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on 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 2021-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have wrote this company and got a answer from this cpfb with bill and statement saying I paid {$760.00} which is the last payment on this account I never paid {$760.00} on this account who. Made the payment who is the ac, ount really for they won't answer this but tell me ita mine Show me the contract that I signed with this account signature and ID XXXX has deleted this item for payments stated I never made This is fraud Can someone from the cpfb please help me Please have this account deleted I'm sending thw documwnt they want through the cpfb showing I made a {$760.00} payment I never made this payment Also if this payment was made the account wouldnt be {$800.00} since the limit ia {$800.00} that does not make sense {$760.00} from {$800.00} is {$39.00} {$39.00} would be oqed and not {$800.00} It was close when this {$760.00} payment was made I didn't make the payment

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 2021-01-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was added as an authorized user on someones account with Home Depot in XXXX for one month and then, I told them to remove me as an authorized user from their account after a month. Home Depot has still been reporting me as an active authorized user on the account after I had the primary account holder, remove me from the account th account should be reporting closed on my credit report. But it is still showing open on my credit report even after I contacted Home Depot with the primary account holder to check if I was actually removed from the account. The representative at Home Depot said that I had been removed for months and that the account would not show up on my account for the XXXX statement. But the XXXX statement has been reported to the credit bureau and it shows that the account is still open on my credit report as an authorized user, which is affecting my credit because of the high utilization of the primary account holder.

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 2021-01-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
This is not a duplicate. The is the 7th and final complaint. None of the information was ever provided to me as stated previously, and after the last complaint it was supposed to be mailed again. I received a letter that stated an error did occur, but the amount of the dispute and the amount of the credit on the paperwork do not match at all. I will attach that. And also if you will look back into these complaints you will see that the dates do not match with the " evidence '. Prime example is that on the complaint dated for XX/XX/XXXX you will notice in the notes that the representative stated that the documentation was received from the company validating the charges on XX/XX/XXXX, however by that date they had already reversed the temporary credit that was on my account. So why was the credit reversed before any information was obtained to deny it? I am sending this to the Oklahoma Attorney Generals office for further assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi, I hope you are well. 
So what happened was that I was just trying to sign up for TransUnion and it needed a debit/credit card for " verification ''. Then I was immediately charged {$26.00} on the day of this email. I looked around the internet and saw they people were also charged an amount without them knowing the price they had to pay. What if the fees were {$100.00}? What if it was higher and none of the people who put in credit card info did not know they were going to be charged. This is not right, no price is specified by TransUnion and they are just going to charge us? For example, it could be like XXXX XXXX telling me to put in my card info and then automatically sign me up for 1 year of apple music worth {$50.00} per month without me knowing. TransUnion needs to specify what price or what the service amount is before charging us. I already emailed them and contacted my bank. This is not fair to consumers.

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 2021-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reel Time Capital LLC
State: OH

Complaint narrative:
I was notified through XXXX that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from XXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Upon disputing this debt through XXXX, XXXX XXXX XXXX changed the original creditor to Reel Time Capital. The address listed for both XXXX XXXX XXXX and Reel Time Capital is for XXXX XXXX. Neither business is at that location. I've never been to Missouri or done any business with XXXX XXXX XXXX or Reel Time Capital. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. My credit report shows an account opened at XXXX XXXX XXXX at the address above on XX/XX/2020 for {$960.00}. XXXX XXXX XXXX issued a collection in XX/XX/2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by XXXX XXXX XXXX or if this is identity theft and my information was used at XXXX XXXX XXXX and now XXXX XXXX XXXX is now involved somehow. Either way this is identity or theft by an unknown person or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: NY

Complaint narrative:
XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX  report which they removed it. Equifax and XXXX  have not removed it. 

XXXX  after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. Equifax wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX report which they removed it. XXXX and XXXX have not removed it. 

XXXX after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. XXXX wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax only cares about their profit. They are a publicly traded company that only cares about their profit. I have tried to pull my free credit report from XXXX XXXX XXXX and I have attached the error in image 1. XXXX shows my score as XXXX but this is far from the reality. If I request my free report I get the attached error but if I pay equifax for my report I can get it immediately. I have also attached images of equifax reporting me 90 days late for the same student loan 28x. Yes, the same {$3000.00} student loan being reporting late 90+ days 28 times. When I paid the loan off I was told I have a one time chance to have the negative marks removed so I took it. I paid {$2400.00} so I could fix my credit but now I am out of {$2400.00} which I really needed to survive during covid. Not only am I out {$2400.00} but I am unable to find an apartment and can not even finance a car to travel or possible temporarily live in because 28x 90+ day marks show up on every report. Please help I am trying to do everything right. Attached images are 9x 90 day late and the other is 19x late. Same student loan and if I try to contact them they send me to someone else over and over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Factual Data did not have authorization nor permission to access my credit report. They had mentioned the inquiry would be removed but it is still on XXXX credit report.

Company response to consumer: Closed with explanation