vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 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: CA

Complaint narrative:
XXXX  has continued to report an Charged off account from XXXX willfully and are in noncompliance of the FCRA SECTION 623 ( a ) FOR FURNISHER TO report complete accurate information. I am requesting immediate deletion of the XXXX negative account for repeated violations under federal codes. STOP USING E-OSCAR, I am requesting a complete and accurate investigation.

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 2020-07-26 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: FL

Complaint narrative:
To Whom it May Concern I notice an Account That is On My Credit That I did Not Authorize. I did Not Give Anyone Consent to Open Any Accounts On my Behalf. This Is fraud I would Like To Have this account Block and removed Off My Credit Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was approved for {$9700.00} credit to get cabinets from XXXX XXXX XXXX. I did not get their installation service because we installed the cabinets ourselves but Wells Fargo claims to be investigating and it has been 8 months and have yet to remove the charge from the my balance. 
Wells Fargo also reported my account late to the credit bureau resulting in decrease in 57 points to my score. My account is not late because the balance is still in dispute. 
Wells Fargo also decreased my credit limit almost {$3000.00} after i started the 3rd dispute, for no reason at all also decreasing my credit sore another 26 points. 
Wells Fargo refuses to remove the late charge report even though i was never late and my account shows it.

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 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/20 I went to Transunion 's website to get a free credit score report. I only realized later that I had unwillingly signed up for a monthly fee for service. Nowhere on the website did it say I would be charged a monthly fee to receive my credit score.

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 2020-07-27 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:
XXXX XXXX XXXX currently reports on my TransUnion credit report inaccurately. A violation of FCRA rules. 

Currently XXXX XXXX XXXX reports inaccurate name and address that does not belong to me. This is a violation of FCRA rules section 1681. 

Currently XXXX XXXX XXXX  reports inaccurat outstanding balance on this account a violation of FCRA rules section 1681 Currently XXXX XXXXXXXX XXXX inaccurate payment history and last date of payment. A violation of FCRA rules section 1681

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 2020-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We filed a complaint previously ( in XXXX ) with CFPB : the issue was that we were paying Shellpoint via ACH regularly with no problem and then all of a sudden in XXXX they stopped posting our payments. We had proof the payments were made on time every month and the ACH went from my bank to Shellpoint. After the CFPB complaint was submitted, Shellpoint all of a sudden " found '' and properly applied the 3 months of mortgage payments they insisted were not paid but we were able to proved had arrived on time- they simply are not allocating them. 
Shellpoint sent me a letter indicating they had properly applied all payments and removed all late fees and had notified all credit bureaus to remove any strikes to my credit as a result of Shellpoint 's errors. 
We thought this was corrected and continued to pay each month, on time. Every month. 
Since that initial 'correction ' Shellpoint made they have once again reverted to not applying my payments though they are absolutely being received via ACH. 
Shellpoint collections people call me constantly insisting my account is in arrears. It is not. 
It is IMPOSSIBLE to get to anyone at Shellpoint who can fix this issue- all the collections folks say there are no payments and we're in arrears. We are NOT. 
EVERY payment has been made well before the due date. 
I really need your help in getting to a person at Shellpoint who can fix this once and for all. It is THEIR system error entirely. 
Thanks for your help! 
XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I reviewed my credit report to find this company had placed an unverified account on my credit profile. 

I reached out to this company to inform them that this information is incorrect because I had XXXX XXXX and not XXXX as they stated they did not supply me with any documentation on this debt and I also informed them that I share the same name as my father. 
They were unable to verify any of the two vehicles that is currently registered to me This is unacceptable and this is hurting my credit during a global pandemic and they cant place inaccurate information that hasnt been verified. 
I have no contracts or dealing with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TX

Complaint narrative:
Hi my name is XXXX XXXX, I informed Transunion that two public record are being reported incorrect as who is the report company It show the court name and address, The problem is, none of that information is accurate. The recorder of the court itself did not furnish any of this information to the credit bureaus. I obtained letters from courts over and over again, and they all confirm the same thing that they do NOT furnish information to any third party, including the credit bureaus. The credit bureaus provide you with false information about who furnished the information? 
Transunion told that the bureaus get public records information from companies ( a.k.a. XXXX XXXX ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database, and then they sell it to the main 3 credit bureaus. The credit bureaus do not list the XXXX XXXX as their information provider. Whatever the reason, It is a violation of the Fair Credit Reporting Act to report false information. And claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, that considered false information on your credit report. 
When I dispute the public record with the credit bureaus, they said they VERIFIED the information with the court! Again, this is completely false. They said they used typically utilize an automated computerized system called e-Oscar ( Online Solution for Complete and Accurate Reporting ) that automatically checks with the data miner. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical VALIDATION of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I do not consent to e-Oscar or any means of automated verification.

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 2020-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
After reviewing my credit report I noticed this company listed on my credit profile. I never received any notification via mail from this company. 
I called this company and they informed me that they were collecting a debt from XXXX XXXX I informed them that I dont have XXXX I have XXXX I also informed them that I share a name as my father I also instructed them to send any documents to me via mail so that I can dispute this because it doesnt belong to me. 

They failed to send me any documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I've sent atleast 3 certified letters to Portfolio Recovery in regards to an account that mysteriously showed up on my credit report. They never sent me a letter to be able to dispute debt. When they did call me in XXXX, I quickly asked them to send me a letter in regards to their debt collection. When I discovered this collection on my credit report, I was shocked to find that the open date of XX/XX/2019 since which is well past the window of which I can lawfully dispute the debt with a collection company. Starting in XXXX, I quickly sent them validation letters and have been sending them a letter once a month ever since. They have never sent me any validation despite me sending certified letters with proof that they received them. I attached my last letter sent to them via certified return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: FL

Complaint narrative:
To Whom it May Concern I notice an Account That is On My Credit That I did Not Authorize. I did Not Give Anyone Consent to Open Any Accounts On my Behalf. This Is fraud I would Like To Have this account Block and removed Off My Credit 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 2020-07-26 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: FL

Complaint narrative:
To Whom it May Concern I notice an Account That is On My Credit That I did Not Authorize. I did Not Give Anyone Consent to Open Any Accounts On my Behalf. This Is fraud I would Like To Have this account Block and removed Off My Credit 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 2020-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/2020, I became aware of fraudulent charges on my account and immediately notified Customer Service, via phone, of this situation. The agent was very helpful, but ultimately, indicated she was not able to complete the claim at that time, due to some issue with her system. She advised that she would complete the process after our call ended, and that someone would contact me to confirm the completion of the dispute process. She very clearly indicated that I would not need to follow-up further, but that I would be contacted. 

On XX/XX/2020, I still had received no calls regarding this matter, but upon logging in to my account observed that the charges had all been appropriately credited. However, on closer review, there were 2 larger charges, in the amounts of {$77.00}, and {$220.00}, that had somehow fallen off the claim, even though I had clearly indicated they were not recognized, and fell within the date range of the fraudulent activity. ( Please feel free to check the call transcript to verify. ) Over the last 10 days, I have been calling frequently to Customer Service to resolve this -- to have those 2 items added to the claim, and to check on their status. I have been advised that they were included, but I have also been advised that the case was closed on XX/XX/2020. So I am quite confused, 1 ) why the first batch of credits occurred within 2 business days of my original claim of XX/XX/XXXX, but these items remain uncredited so many days later ; 2 ) if the case is indeed closed, how can the 2 items ( which I were told *have* now been included ) not have been credited yet in the process of closing the case?

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 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting a formal complaint against Experian credit bureau. They have completely failed in the public sector on many fronts, and are inaccessible to common people such as myself. I have spent countless hours on 3 different occasions when I needed to contact them, and have been completely unsuccessful on every attempt. Today I am submitting a complaint because I tried to do a very simple credit application to get a new cellphone through XXXX. XXXX pulled a copy of my credit report from Experian, and I have an old fraud alert from 7 years ago, when I had an ID theft. The report said for them to call me at the number on the report to verify my identity, prior to extending credit. I have been through this same routine multiple times over the years since my ID theft occurred. However, today, Experian failed to provide any number on the report to XXXX, and I was not extended credit by XXXX, because of the failure on the part of Experian to provide any phone number at all. I know that they have a number in my report, because I purchased a new car 1 week ago, and went through this same ordeal then, and the vehicle dealer specifically told me they were using Experian. However, today, after 2 hours of trying to contact Experian, I was unable to find any way to solve this problem, after calling several numbers I found online and trying all the prompts. Their entire phone system is extremely useless and elusive, and only trying to sell credit reports or scores. They do not have any care for the people they serve, and they have no one to help. Additionally, I created an account on experian.com, and was unable to find anywhere to list a phone number for myself in their system, which also is mainly geared toward trying to sell overpriced monitoring products. Now I have a new " hit '' on my report from the bank that XXXX uses, but due to the failure of Experian to provide a phone number, I am unable to receive credit for this hit. I need them to remove this from my file, and to give me a way to verify myself online and enter personal data, or speak to a live representative to help fix problems in the report. I feel that their entire agency is a failure, as I alluded above, I had two prior extensive issues where I was eventually unable to solve the problem. PLEASE HELP. PLEASE DO SOMETHING. We need change, we need these agencies to be run differently. I can not live my life when it is controlled by an entity that can not supply the services that are required for simple day-to-day issues.

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 2020-07-26 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have filed with check systems to remove bank accounts off my report I sent them a FTC IDENTITY THEFT report, they said they will not use it, I explained to them that it works the same way as a police report I have reported to check systems that these accounts had closed due to the fraudulent activity by the banks, ( XXXX XXXX   XXXX ) I called and had this account closed due the amount that was charged I disputed because it did not belong to me at all and ( XXXX XXXX XXXX XXXX ) an amount was charged to XXXX account for XXXX dollars that I did not authorize and when I contacted this company sorry trash company it was out of business I have repeatedly ask XXXX XXXX to remove this account from my file at check systems because of XXXX XXXX credit union (, XXXX XXXX XXXX ) I had contacted this bank I can't talk to any. manager things were changed on my account by XXXX XXXX XXXX, this c company is. not very honest with customers my account was charged an amount they couldnt explain I ask them to close my account, these banks have the same illegal process the same as XXXX which I have sued twice for fraudulent charges and transactions, please investigate checksystems, I'm tired of being called liar, and that FTC identity report should work as the same as a police report they have failed to help and these people are very unprofessional, so please help I wanted to report this activity any check systems, because there are also fraudulent inquiries on my report I want removed

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 2020-07-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX put a 60 day late payment on my credit report for a Visa card that I have with them that I have not even had in my possession since XXXX. The charges stem from some late fees they claimed were on my account which should have never been there due to the charges on the account were fraudulent and had been disputed and were not adjusted properly on my account. I contacted XXXX and was assured everything was resolved and they even emailed me a letter to confirm they would contact the 3 major credit bureaus and have it removed off of my report They also sent me all the dispute information in the mail and my balance was supposed to be brought to XXXX  and they raised my credit limit by {$500.00} and they were going to send me out a new card. The negative item was removed off of 3 credit bureaus and stayed on XXXX. I even put in a dispute as instructed by the XXXX rep to make the process faster. I called XXXX and informed them that it was still on one credit report and I spoke to the exact same gentlemen who handled the matter originally and he stated he would fix it and that he actually had the disputes that I did and he will rectify the matter. Instead he made and even bigger error by putting the late payment back on all of my credit reports and bringing my score down even further and I attempted to call and could not get through to him. This is my last effort before contacting a lawyer. They affected me getting a property and lowering the limits on other cards as it looked as though I have a recent 60 day late on my credit score. I also still have not even received my card and the credit bureaus are stating XXXX confirmed verified the account as being accurate with the late payment I do not have any late payments on my credit report except this.

Company response to consumer: Closed with explanation