vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 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: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I am requesting a payment history of our closed mortgage account from Shebllpoint Mortgage Servicing. After an very long investigation, we found out that Shellpoint is reporting very different data to the three credit bureaus. For XXXX the data has been changing still after the closing of the account. It is only reporting seven of the seventeen payments that were made. This is separate from reporting the accounts monthly status as good. The account balances to the credit bureaus are not accurate from month to month. The balances are higher than when the loan transferred to them in XXXX of XXXX. At that time the balance was {$190000.00} and after a total of 17 consecutive payments starting from XX/XX/XXXX through XX/XX/XXXX, the monthly balances reported to the credit bureau 's have been higher than what is reported on the monthly statements. We have disputed this before, but they refuse to correct the wrong data. The main one is the XXXX account. The Annual Credit reports shows that out of the seventeen consecutive payments made, Shellpoint only reported seven ( 7 ) of those seventeen payments that were paid on time XXXX. This action greatly affects the credit score outcome as well as balance history, in that it makes the account report that the balance has not decreased over time. The shellpoint account is being used to cripple our credit reporting. We have documented that for the research that was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: FL

Complaint narrative:
I have submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.

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 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/22 a withdrawal from the ATM was made from my Fifth Third Bank business checking account in the amount of {$1600.00}. It was immediately transferred to my personal checking account. Upon receiving the receipt of transaction, it was discovered that only {$350.00} of the money was received by my account. Because it was after hours that day and then the holiday on Monday, I was unable to file a dispute until XX/XX/22. I was assured that I would receive a provisional credit for the missing {$1200.00} to my account within 8 business days. When that day arrived on XX/XX/22 the money was not available on my account. All my bills were due over the week of me waiting for the credit. Some were paid and others returned causing several overdraft and returned item fees to accrue to my account. My banking and bill payment history will show that I have never had late payments or overdraft issues in the past. On XX/XX/22 I visited the branch where the transactions were made to check on the status of the credit. The bank representative called disputes and I was told that they dont know why the credit hadnt been issued and I was going to have to wait up to an additional two more business days because investigators do not work on the weekend. Additionally, I would not be reimbursed for the NSF fees that were issued by the businesses for the returned items. I have current health issues that require medication that I can not purchase because of my negative account balance. I can not buy food, gas and many other items essential to daily life functions for myself and my family due to my money not being available for an extended period of time. The banks collection department called me on XX/XX/22 asking for payment to bring my account to a positive balance. This was very confusing as I was expecting the account credit the very same day. The lack of communication between departments, the business practices and policies of this bank have created a domino effect of problems for me. It is unfair to me as a customer to have to suffer additional financial loss as a result of a bank error. This ordeal has caused not only financial hardship, but mental anguish, and health complications as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: LA

Complaint narrative:
I have submitted numerous letters to the credit reporting agencies. And have not received any documentation proving 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 non-monetary relief
Consumer complaint received 2022-01-29 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: NY

Complaint narrative:
Transunion Unauthorized Inquiries Inquiry details XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX ( Bank XXXX XX/XX/XXXX 2021

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The following accounts were obtained through identity theft. I have sent police report, my id, copy of a bill, and social security card. The bureaus still will not remove the accounts. 

Accounts are XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Department of Education, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I will precede will legal action if this matter isn't resolved. It's been over a year and still no results.

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 2022-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has repeatedly denied my dispute requests and refused to open disputes via online and certified mail submissions. This is regarding accounts : * XXXX XXXX XXXX XXXX {$1600.00} original Texas XXXX XXXX which was paid by XXXX XXXX on XX/XX/21. 
XXXX XXXX XXXX CO XXXX Original UT XXXX {$82.00} XX/XX/XXXX XXXX XXXX originalXX/XX/XXXXXXXX {$600.00} I demand deletion of these accounts as I requested dispute and they have not coooperated.

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 2022-01-29 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: CO

Complaint narrative:
Transunion continues to update my credit report with incorrect balance information which is effecting me getting a job and finding housing i have paid off a balance in XXXX and one month it states its paid then the next month it reverts back to the old balance this is unacceptable and do to me missing out on job opportunities i am seeking counsel this agency refused to update even after several disputes i even contacted the credit card company whom states it should not reflect the incorrect balance transunion needs to be held accountable for there negligence

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED BANKSHARES, INC.
State: MD

Complaint narrative:
I have a loan with United Bank. Each month I've been applying several hundred dollars that should be applied to principal. United Bank has been charging me daily interest on the principle amount. Additionally, if I were to make an extra payment during the month toward the principal, the principal would also be charged interest 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 2022-01-29 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: AL

Complaint narrative:
I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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:
I have a bankruptcy that was discharged JXXXX. Experian is reporting serval accounts as closed and still reporting inaccurate data.XXXX XXXX  DELAWARE Closed 1 potentially negative month XXXX XXXX XXXX  XXXX XXXX XXXX potentially negative month Closed XXXX Closed 1 potentially negative month XXXX XXXX Closed 1 potentially negative month XXXX XXXX XXXX Closed 1 potentially negative month XXXX XXXX NA Closed XXXX potentially negative months. All this is inaccurate information I was never late. Please have experian investigate in accordance with the fair credit reporting act.

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 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have submitted disputes for this account I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that are fraudulent. 
This is a violation of my rights under FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: LA

Complaint narrative:
Equifax-I show that back in XXXX of 2021 2 Regions accounts was removed from my credit report. However it is back reporting I was not notified by the agency of this reinsertion and I do know they had 5 days to let me know about this reinsertion and I was never notified about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Our mortgage credit reporting is missing most of the dollar payment amounts and is only showing three ( 3 ) of the eleven ( 11 ) payments ( see attached ). This is also being confirmed at the other two credit reporting bureaus and what we were told the last time we tried to Refinance. We have made eleven consecutive payments to our mortgage company and they seem to refuse to post the dollar payment amount for each month the payment was made to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: AL

Complaint narrative:
I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and 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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, and 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 2022-01-29 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:
Experian unauthorized inquiries Experian XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX  XX/XX/XXXX Phone 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 2022-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: United Revenue Corporation
State: TX

Complaint narrative:
XXXX has repeatedly denied my dispute requests and refused to open disputes via online and certified mail submissions. This is regarding accounts : * UNITED REVENUE CORP XXXX {$1600.00} original XXXX  XXXX XXXX which was paid by XXXX XXXX on XX/XX/21. 
XXXX XXXX XXXX CO XXXX Original UT XXXX {$82.00} *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$600.00} XXXX demand deletion of these accounts as I requested dispute and they have not coooperated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2022-01-29 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
SunCoast local branch : went there to reopen account which they ( XX/XX/10 approximately ) had closed to no activity. Agent required me to send bank XXXX XXXX XXXX to XXXX # for approval. This all seemed very strange, but I did it. I receive a letter back that stated I was denied {$25000.00}. vehicle loan for lack of paperwork or something. The {$15.00}, credit line was reopened. I NEVER ASKED OR MENTIONED A VEHICLE LOAN. These 2 agents did something behind my back. I want this removed from my CREDIT REPORT as well. I am getting notice that my credit score is going down. Please take care of this with SunCoast ; they do not respond to me. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: LA

Complaint narrative:
I have sent numerous letters to have the 2 XXXX  accounts investigated. I have not received any documentation validating I owe this 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 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I bank with Fifth Third Bank. Approximately six replacement debit cards were issued the past year due to unauthorized charges to my checking account. XX/XX/2021, my account was closed and another account ( different account number ) was opened. Fraudulent charges are presently reoccurring. Today XXXX, I received a call from XXXX XXXX a fraudulent charge on XXXX. Fifth Third has again deactivated the debit card, sending a new one. Today a credit freeze request was requested to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Our mortgage credit reporting is missing most of the dollar payment amounts and is only showing three ( 3 ) of the eleven ( 11 ) payments ( see attached ). This is also being confirmed at the other two credit reporting bureaus and what we were told the last time we tried to Refinance. We have made eleven consecutive payments to our mortgage company and they seem to refuse to post the dollar payment amount for each month the payment was made to the Credit Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation