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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My 'credit score ' dropped again today, XXXX points. I receive regular emails from XXXX Credit Bureau and today I received an email from XXXX alerting me that my credit scores increased. I login, to my XXXX account only to be disappointed again, that my score had been decreased XXXX points. There was never any increase today, according to the email sent to me, from XXXX, alerting me my scores had increased. As I reviewed my report, to figure out why my scores decreased, there was no explanation. Every time my score get into the XXXX 's, my score drops below XXXX. This has been going-on for the past year ( XXXX ), without fail and no real legit reason, why. 

I would like the 'cfpb ' to review my credit report history to see there has not been any recent negative activity on my 'credit reports ', ( also happening with TransUnion ) XXXX I'm told to use my credit cards to increase my credit scores, by realtor 's. I have a credit card with XXXX XXXX that suggest I use my card as much as possible, not to exceed a certain percentage or {$500.00} before the bill is due. Since having this card I've paid my bill on time, long before the bill is due, without fail. Do you know they increased by score, ( TransUnion ), XXXX point last month... that is an insult and no appreciation for on-time payments, to the customer, me. 

I've attached my recent XXXX report an a screen shot of my fake email sent to me today. I'm requesting reasons for the roller coaster ride I'm on with these credit reporting companies.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
zelle user under the email XXXX named XXXX frauds users seeking to purchase sneakers off XXXX XXXX XXXX XXXX They blocked me all while using fake references and pictures of inventory. Never purchase goods from XXXX using zelle.

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 paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX HIRED BY HSN SAYS I OWN XXXX DOLLARS ON A HSN CARD BECAUSE I HAD FLEX PAID AND I ONLY PAID FOR THE CARD CREDIT AND NOT FLEX PAY.I PAID THE DEBT. PAID THE CARD OFF AND AT NO TIME DURING THE PAYMENT SEETTLEMENT WAS I INFORMED THAT THE ACCOUNT CREDIT CARD HAS IS NOT PART OF FLEX PAY FOR PURCHASED. I PURCHASED ITEM WITH THE CARD THAT USE FLEX PAY. I GOT THE CARD SO I CAN USE FLEX PAY. SYNCB WAS THE BANK AT THE TIME AND UPON PAY.ENT OF DEBTi WAS TOLD THAT THE THE CREDIT BUREAUS WOUKD BE NOTIFIED OF THE ZERO BALANCE. 
2. HSN GOT PAID AND CLOSED MY ACCOUNT NOW THEY HIRE XXXX TO COLLECT ON A DEBT THAT WAS PAID. 
3XXXX TELLIBF ME I DIDNT PAID THE FKEX PART ON THE CARD. 
4. I GOT A SETTLEMENT AND WAS NEVER TOLD ANYTHING ABOUT THE HSN CARD NOT BEING PART OF FLEXPAY. THATS WHY I GOT THE CARD TO USE FLEX PAY. 
5. I HAVE A ZERO BAN E THAT HSN REPORTED .NOW HSN WANTS TO COLLE CT ON A CLOSED ACCOUNT.

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 card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2022 around XXXX central time, I received a direct deposit from my company. which was weird, cause my payroll checks usually come on thursday night around XXXX. So i waited for the next day, and went about my business. I stopped and put gas in my car ( {$33.00} ) and then made an ATM withdraw for ( {$60.00} ). after that I went to work. I tried to pay a utility bill and was told transaction declined, I went to a ATM and was told Account balance unavailable. I was not able to log in using the App. Finally once I was able to get a person on the phone. Not one person could tell me what was going on, It finally took 10 phone calls. before the Service agent gave me some type of information, wether it was correct or not, It was better then the service i had been receiving. I was told my account had fraudulent activities, and had been suspended/locked. One agent even told me that it was my payroll check that caused this situation, although for the past 8/9 months, I have had all my payroll checks deposited into this American Express Serve account, to which I have had for over 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I filed a complaint with CFPB after Shellpoint reneged on a COVID-19 deferral. In the fall, Shellpoint declined to offer me a COVID-19 forbearance extension despite being qualified. At this time, Fannie Mae owned my loan. After the denial, I submitted on XXXX by email and fax all required documents. Approximately one week later, I spoke with a representative from Shellpoint who confirmed that my application for a loan modification was complete and under review. The call was recorded and can be retrieved for further investigation. On XXXX, I received a notification that " Shellpoint Mortgage servicing is the servicer of your loan until XX/XX/XXXX ''. " After this date, your new loan servicer will be XXXX XXXX XXXX. '' Please note that twice in 4 months, I was denied a XXXX forbearance and a loan modification. Shellpoint had no intentions of assisting me with a COVID-19 forbearance or a loan modification. The company remains strategic, vindictive, deceitful and discriminatory towards XXXX and the XXXX community. Shellpoint deliberately precluded me from being considered for a loan modification and an extended forbearance for COVID-19. On XXXX, I contacted XXXX XXXX to inquire about a COVID-19 forbearance extension or to be considered for loan modification. XXXX XXXX is only interested in monthly mortgage payments with no plan to offer a COVID-19 forbearance extension or to be considered for a loan modification. 

Shellpoint needs to be investigated thoroughly as well as XXXX XXXX.

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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I had a sent off for a copy of my credit report on XX/XX/21 and noticed I have a debt entry being reported twice..The company Comenity Capital Bank sold the account to XX/XX/XXXX on XX/XX/19.Both Comenity Capital Bank and XX/XX/XXXXXXXX XXXX are reporting the debt resulting in double jeopardy. I wrote Comenity Capital Bank to asked if this debt can be deleted and not being reported because they no longer have jurisdiction over this debt because they have sold it. They refused

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 — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I didnt not apply for XXXX XXXX XXXX account Im seeing three accounts with one single application on my credit reports and one is open with {$980.00} balance and another one is closed due to lost and stolen card and last one which is {$1200.00} closed with past due. With XXXX and three accounts with XXXX Im asking for these duplicates accounts to be remove off my credit bureaus this is a fraudulent application

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I didnt not apply for XXXX XXXX XXXX account Im seeing three accounts with one single application on my credit reports and one is open with {$980.00} balance and another one is closed due to lost and stolen card and last one which is {$1200.00} closed with past due. With XXXX and three accounts with Equifax Im asking for these duplicates accounts to be remove off my credit bureaus this is a fraudulent application

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I didnt not apply for XXXX XXXX XXXX account Im seeing three accounts with one single application on my credit reports and one is open with {$980.00} balance and another one is closed due to lost and stolen card and last one which is {$1200.00} closed with past due. With experian and three accounts with XXXX Im asking for these duplicates accounts to be remove off my credit bureaus this is a fraudulent application

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To whom it may concern at the CFPB, I have been in contact with the creditor, DeptED/XXXX  and was told that my 11 accounts with XXXX were discharged from thier records/database on XX/XX/2021 and that Trans Union was also requested and told to remove these accounts from my Trans Union credit report . It has now been over 45 days and these 11 accounts are still remaining on my credit report. Please delete these 11 accounts immediately.

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 card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have multplie credit cards with Comenity bank for the 2 that I have balances with my XXXX XXXX XXXX and XXXX XXXX credit card I am just noticing I am being charged 2 different finance charges and they are both charged on the same day. But 2 different numbers. Going back for who knows how long. Why am I being charged two different times for finance charges? I have had these cards for YEARS. I never took out a cash interest. Only used them online. Never had late payments and I try to pay more when I can. But why are there double charges on the same day for interest? And they aren't the same number.

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: AZ

Complaint narrative:
The account was charged off but paid in full, I asked for the balance to be updated so the account would no longer show an outstanding balance in doing so Experian updated the account to show as a recent charge off as of XX/XX/2021, so all of recent request has been denied because its showing that I have a recent 90 day late and charge off, the charge off happened in XXXX of XXXX. I need the account corrected. Immediately as this is hurting my financial status and integrity.

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 — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Text message to my XXXX XX/XX/2022 : " XXXX ( XXXX ) XXXX ; CITI : Your account has locked and requires verification, to restore access ... '' I haven't opened this text, and aside from the faulty XXXX syntax, I know this is fraudulent because I have no CITI accounts. Sorry I don't know how to forward unopened texts.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This debt was sold from XXXX XXXX XXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an XXXX account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX, XXXX ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! 

The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt was sold from XXXX XXXX XXXXXXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXXXXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an OPEN account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all 3 National Credit Reporting Agencies XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! 

The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I notified Transunion of some inaccurate accounts on my credit report. On XX/XX/XXXX an automated response was generated from Transunion denying my request to block the false information because they determined that my request was either a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) I have obtained possession of goods, services or money as a result of the transaction issue. 

However, when I spoke to a representative of Transunion on XX/XX/XXXX they informed me that one of the accounts in question had been deleted from my credit profile. I in no way look at resolving issues of Identity Theft on my credit report as being " Irrelevant or Frivolous ''. Also, since there was in fact accounts on my credit report that was inaccurate, according to the FCRA Transunion was obligated to thoroughly investigate those accounts. 

Also, as of today XX/XX/XXXX I have not received verification from Transunion about the outcome of my request. According to FCRA credit reporting agencies only have 30 days to notify consumers in writing of the findings of their investigations. 

The inaccurate information on my credit report has prevented my family and I from being approved for a new home. It also has prevented me a small business owner from being approved for a small business loan from the XXXX for pandemic assistance.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This debt was sold from XXXX  XXXX XXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXXXXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an OPEN account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, Equifax ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Black Friday Furniture purchase. Apparently my billing cycle ended same day of purchase with payment due on the XXXX of the next month. I did not receive statement until after due date only to be charged card security, late fee and interest. Advertising on Black Friday sale states interest free on all purchases over XXXX. My ticket was XXXX. Creditor lowers credit limit resulting in being put over new credit limit. 

So just to recap, purchase, payment due, lowered credit limit and interest on advertised sale in 26 days. 

I submit complaint with them through email, they refund partially but still have fees due and minimum payment XXXX $ for the next month plus interest. I make a payment based on what I can afford and the charge more fees, interest etc.

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