vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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: IL

Complaint narrative:
Dear XXXX XXXX, Equifax and, XXXX Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX XXXX including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my EQUIFAX REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: CBC Companies, Inc.
State: IL

Complaint narrative:
Dear XXXX XXXX, XXXX  and, INNOVIS Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND XXXX XXXX including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my XXXX REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
During months when i called and ask for help basically put it in forbearance they made my account late resulting my credit score to drop almost 100 points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: VA

Complaint narrative:
During months when i called and ask for help basically put it in forbearance they made my account late resulting my credit score to drop almost 100 points

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 2020-12-04 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: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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.

Complaint narrative:
Hi -- I have been contacting Equifax for 8 months since XX/XX/2020 on some fraud items. I have filed tons of disputes to get rid of some inaccurate information. After several months of calling every day of the week sometime 3 times a day, they managed to resolve half of my issues. Months later, I tried to reach them again because my dispute was still open for other inaccuracy and they would say 10-15 days. I would call again weeks later and they would denigj that I have filed a dispute and so many time would say our system is down and can not look up your ticket number. After a few other months, the same fraudulent account came into my report again in XX/XX/2020. Since then I have filed another 2 disputes, and an investigation as to why this could happen when I have been a victim of fraud before and have that alert on my account. This fraudulent account was able to report 3 times on my equifax again and again. I HAVE PAID OFF ALL MY DEBT IN 8 MONTHS. I Have been trying to buy a house for my family since and the only thing stopping me is equifax and their neglectful customer service. By now my score should be so high, however it is sinking from these inaccurate accounts. They are playing with my life. It has been 8 months since I put my hard earned money to changing my life, and nothing has been done. Why is my score not climbing I even got a credit card and have been paying on time since XXXX so it can help my score. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: PA

Complaint narrative:
Well I receive pa unemployment And my card was locked by us bank And I am unable to use my card. 
One of there agents used my old address on my form And when I used my new address that I currently live at they made it a fraud claim when there is no fraud present to lock my card I receive a deposit on there and I am in great need of my money and they wont release my funds. 
Ive submitted several forms of documents proving I am who I say I am and Ive waited more than the 10-14 business days the copy have asked to follow after every submission of my documents Ive sent them over 10 times yet Ive been waiting 3 months for my answers and card to be unlocked and I have yet to get my money I have a family and the funds that are loaded every week are being held for no reason

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 2020-12-04 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've have mailed out a letter and called them Transunion! When i called they said they never got my letter .. when I mailed my letters I never got a response. XX/XX/XXXX XX/XX/XXXX INQUIRY DATE XX/XX/2020 The company never replied back to theXX/XX/XXXX within time and needs to be removed per FCRA, they are still reporting this item is a violation per FCRA and should be handled promptly. I FEEL LIKE THE XX/XX/XXXX COMPANY IS BLATANTLY NOT RESPONDING TO MY LETTERS AND REQUEST

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 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc.
State: IL

Complaint narrative:
States Recovery is reporting inaccuracies on a collection account. I've ask XX/XX/XXXX for VERIFICATION of this debt under FCRA. I've asked State 's Recovery VALIDATION of this debt under FDCPA. I never received any proof that I own this debt, which are VIOLATIONS of the laws. Iv'e disputed this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a return response saying it was VERIFIED. They never verified this debt, which is continuing further collection activity that is a violation of FDCPA and it need to be REMOVED. I don't this company or ever made any arraignments with this company. 

XX/XX/XXXXposting LATE PAYMENTS ( recent XXXX XXXXXX/XX/XXXX posting PAST DUE ( balance XX/XX/XXXX posting different balances : XXXX XX/XX/XXXX posting different balances : XXXX XX/XX/XXXX posting highest balance XXXX XX/XX/XXXX date of delinquency : XX/XX/XXXX XX/XX/XXXXdate of delinquency : XX/XX/XXXX XX/XX/XXXXdifferent account # XXXX XX/XX/XXXXdifferent account # xxxxxxxxxxxxxxxx

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: ID

Complaint narrative:
I RECEIVED A SUMMONS ( XX/XX/XXXX @ XXXXXX/XX/XXXX. XXXX STATING THAT IM BEING SUED FOR {$1700.00}. I'M NOT SURE WHERE THEY CAME UP WITH THIS AMOUNT. 
I'M ON XXXX AND CAN NOT AFFORD TO PAY FLING FEES, ETC. THIS CREDIT CARD DEBT WAS CHARGED OFF XX/XX/XXXX. ALMOST TWO YEARS AGO. 
THIS SITUATION HAS GIVEN ME SEVERE XX/XX/XXXX AND MY XXXX HAS GOTTEN WORSE. I HAVE XXXX AND CAN NOT EVEN THINK OR COMPREHEND WHAT PEOPLE ARE TRYING TO TELL ME TO DO. I'M ALSO EXTREMELY AFENDED WITH THEIR CLOSING " WHEREFORE. PLAINTIFF " PRAYS '' FOR JUDGEMENT AGAINST DEFENDANT. '' I FEEL THAT IS A HARSH STATEMENT TO BE USED IN A SUMMONS, I FIND IT HEARTLESS! WHO " PRAYS '' FOR SOMETHING LIKE THAT. THANK YOU, I LOOK FORWARD TO HEARING FROM YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested a Compliance on account, its been over 60days havent gotten a response therefore im reinterating my request in The Fair Resolution Box.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted! Also discovered that I was a victim of the XX/XX/XXXX Data Breach!

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 2020-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Two companies accessed my credit report without my authorization. The following inquiries were not authorized by me : XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX XX/XX/2020

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 2020-12-12 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: TN

Complaint narrative:
AFTER GIVING THE CREDIT REPORTING COMPANY THE POLICE REPORT THEY STILL REFUSE TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILES

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 2020-12-12 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: TN

Complaint narrative:
AFTER GIVING THE CREDIT REPORTING COMPANY THE POLICE REPORT THEY STILL REFUSE TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: TN

Complaint narrative:
AFTER GIVING THE CREDIT REPORTING COMPANY THE POLICE REPORT THEY STILL REFUSE TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILES

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THEY HAVE FAILED TO RESPOND TO MY COMPLIANCE LETTERS ITS BEEN OVER 60DAYS, THEREFORE IM REINTERATING MY REQUEST IN THE FAIR SOLUTION BOX.

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 2020-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cashapp froze my account without telling me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app States that you can cancel a payment or if you have a disputes they will investigate I had disputed a charge on my cash app account I didn't recognize the name on the transaction nor did I receive a text for said transaction I ask them for help with identifying the individual and all I got were automated responses And so after their failure to respond or give me any type of information regarding my request I reached out to my bank and dispute the charge. And I inform them that I had spoken to cash app and ask for their help and they failed to provide it and I also let them know that I did not receive a text for that particular transaction like I do the rest of my transactions. 
( Please note this is not the 1st time I had to reach to my bank regarding a Cash app issue and each time I did I would eventually get an email asking me to verify my account ) Shortly thereafter after I receive a request from cash app to verify my account and when asked why I need to verify my account I got no answer I did try to verify my account using my debit card they want the head on file and they keep telling me they're were unable to verify my account even though my card was scanned in on their app and sent by email. and now they have closed out my account and are refusing to reopen or offer any assistance. 

please note that email associated with my Cash App account is a XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: TX

Complaint narrative:
I haven't heard anything on status of my compliance letter, So Im reinterating my request in The Fair Resoulution BOX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I INFORM EQUIFAX THAT THIS IS NOT MY ACCOUNT AND NOW ASK THAT THEY REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV

Complaint narrative:
The following is a copy of the email I received for a debt that does not belong to me. It's the only email I ever received from the company and there was no subpoena attached. 

Dear Customer, We still have not received any response from your side in regards to your XXXX XXXX account XXXX As of now rather than chasing you for money, we have simply decided to write this money as loss, stolen and press charges against you. Now the legal case which is going to be filed against your name is under section 9 chapter 19. 

The company has all the rights and authorities to inform your current employer about what you have done in the past and shall be the result and the consequences, once this case will be downloaded and executed with the judgments against you, which could lead you to termination. 
Also the non repayment of a loan could be reported by the lenders to three major credit bureaus, causing severe damage to your credit history or credit report.

The copy of the subpoena will be forwarded to you Human resources or the legal representative of your firm, where in they have to appear in the court while the case is on, that could lead to you termination from the full time employment and by forwarding the subpoena to social security any child support, disability, unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 

This will also be reported to IRS which might lead to LEGAL PROCEEDING. 

Before proceeding ahead we just want to ask you for the final time whether you wish to take care of this loan account of yours or not.

We are willing to provide you a one time settlement or payment arrangement as per your convenience.

Do revert ASAP as you merely got three business days to respond. 



Thank you. 





Manager Legal Department XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, LA XXXX, United States

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: NE

Complaint narrative:
Synovus Bank who gives secured cards for first progress is misrepresenting a credit card and the information is misleading. my account had a balance and without going over my card limit it would not let me make additional purchases. after looking into the law about the secured card and how it is unlawful to make a down payment on a finance charge. I am furious because this has ruined my reputation and now I am without because of their misleading tactics and not being able to talk to someone about this.

Company response to consumer: Closed with explanation