vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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: TN

Complaint narrative:
In XXXX I received a letter in the ail about a bankruptcy, but I didnt pay much attention to it because my names were misspelled and I knew I had never filed for a bankruptcy so i just left it alone. In XXXX I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XXXX and I was denied once again, I was not understanding why so I finally ask the salesman to show me my report and I wish I would of done this a long time ago. I was furious to kn ow I had accounts opened under my name that i never opened and even more shocked when i saw the bankruptcies. I have never filed for bankruptcy in my life. The things I am reporting from my credit do not belong to me. Please remove these things fro my report as soon as possible. XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: TN

Complaint narrative:
this complaint is against Cash app ( All-Square inc ) owned by XXXX XXXX XXXX. 

during the 15 months of using Cash app. NONE of my cash out funds entered into my account. Upon inquiring, there was a different bank routing # listed for a bank in XXXX NE. I emailed Cash App ( can only contact them thru email ) explained that none of my cashed out funds where found. Amounts : XXXX, XXXX, XXXX, and XXXX total XXXX. 
The Cash app rep explained they would look into the matter and comply. 
before I could get a straight answer from this company.. Cash app, sent in a claim XX/XX/XXXX against My XXXX  XXXX XXXX Account for the EXACT AMOUNT THEY OWED ME!!! 
transactions : ACH Claims Debit All-Square Inc XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX ( amounts XXXX XXXX ; XXXX ; XXXX ; and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today is XX/XX/2020. On XX/XX/2020, I spent the entire day getting my credit report unfrozen at all 3 credit bureaus. I managed the unfreezes so that my credit report would be unfrozen until XX/XX/2020. What's going on is that I am trying to refinance a car loan. For my car loan, my current interest rate, from the car dealership, is above 17 %. Yesterday, XX/XX/XXXX, a potential lender told me that my TransUnion credit report is frozen. I then went online and saw that my TransUnion credit report claimed to be unfrozen. I texted back to the potential lender saying there must be a problem with TransUnion 's software, since from my end my credit report is unfrozen and there's nothing else I can do about it. It seems to take about hour to login to TransUnion, since they initially claim my username & password aren't correct, always. Today, XX/XX/XXXX, when I login, I am unable to see my TransUnion credit report. Also, the lender texted back saying my credit report is still frozen. The problem is that TransUnion is not unfreezing my credit report. What is going on is that lenders can not get a copy of my unfrozen credit report. TransUnion is refusing to allow potential lenders to see my credit report. I am in a rush to refinance my car loan as soon as possible, and TransUnion won't allow lenders to see my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I notifiied the company and no response.I received investigation results on XX/XX/2020. I asked for method of verification in mid XXXX which transunion started looking at on XX/XX/2020 and no response came from them in the required time period of 15 days. It has been more than 15 days. The uploads document this.

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 2020-05-06 00:00:00
Product: Student loan — Federal student loan servicing
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: MN

Complaint narrative:
XXXX XXXX loans from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX were on forbearance and not late payments. Ive disputed this multiple times with Experian with the same results on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have provided accurate and sufficient proof from XXXX XXXX that these loans were in fact on forbearance. This issue has not been solved.

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 2020-05-06 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: ERC
State: OR

Complaint narrative:
I check my credit scores frequently via XXXX XXXX and noticed a few days ago a significant drop on my XXXX score - +30 points drop. I filed a complaint with XXXX and quickly got a reply that the {$59.00} dollar amount with a Florida collections agency representing XXXX was erroneous and was supposed removed. 

I'm checking my scores now and the drop is still on my XXXX report. 

This erroneous " collection '' has damaged my credit for NO REASON. 

What recourse do I have? 

Current File File Number : XXXX Report Date : XX/XX/2020 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Thanks! XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
# 1 Dispute case # : XXXX Card # ending in XXXX USAA Credit card Merchant name : XXXX XXXX   XXXX  ( XXXX XXXX XXXX ) Transaction date : XX/XX/2020 Transaction amount : {$110.00} Disputed amount : {$110.00} # 2 Dispute case # : XXXX Card # ending in XXXX USAA Credit card Merchant name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Transaction date : XX/XX/2020 Transaction amount : {$1600.00} Disputed amount : {$1600.00} This dispute is about me making a purchase on my credit card USAA in two separate transactions and the merchant that I purchased the trip from cancelled and told me to apply for a refund. I did apply for a refund however the company did not give me the refund back. I filed a dispute with the credit agency and did not help me out with dispute on the account. XXXX not follow there dispute policy which states that if service is provided, customer has the right receive full refund. This impact my credit in a negative way by increasing my credit balance decreasing my credit score. I am currently refinancing my house in which is also effecting my financial as it relate to COVID-19.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$640.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Good afternoon, on XX/XX/XXXX make a purchase in paypal Transaction ID XXXX of XXXX to a company called XXXX XXXX XXXX they did not send the product due to a problem and paypal On XX/XX/XXXX the refund was made from {$2700.00} to MasterCard XXXX. This money never came, since the XXXX account was closed since XX/XX/XXXX, I had to put claims in the bank and paypal, the truth is that I never got that money, paypal is responsible for seeing where is that money and return that money to my paypal account They only give a false reference number, that XXXX does not know anything, paypal must demonstrate with a document that the money is in my account, a document where the provider says that this money is in X place, do not send a simple false reference, that nobody knows anything, this is a real scam more than 5 months waiting for the money They must be able to check that the money never came to me, work on searching, do not copy and paste data that has no validity. 

A document of the bank account is attached, where it clearly says, the account is closed from XXXX, as a return will arrive on XXXX, it is impossible, because you are not looking for my money, you are going to having to pay expenses and damages plus interest for being incompetent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
2 weeks ago I received letter from comenity bank ( XXXX XXXX store card ) asking me to send them copies of my s.s. card, driver 's license, passport ... .. because of suspected fraud. ( I got a new s.s. # last year because my original one Has been issued to 2 people by mistake 20 years ago ... the social security administration exclaimed ) so I am very careful now, I am building my credit again in my XXXX age. I am paying everything on time, doing the right things ... so I called the comenity bank and the man on phone was talking very down to me. ( When i got the store card last year i called the number on the back of the card because I couldn't make an account on line to pay the bill, the nice professional man who picked up was in different country which now putting two flags up ) It's hard to send my identity to this company so I called two days ago again to find out what kind of possible fraud is going on " on my side '' and to close the account because it makes me uncomfortable. This time I spoke to a lady, she asked for the last 4 digits, address, phone number to make sure I'm the card holder but she couldn't give me any answers about the possible fraud. So i asked her to close my account, she put me on hold to speak to her supervisor, then she told me that the account will be automatically closed after 30 days if they didn't receive all my copies. 
I am very worried that their action will mess my credit because I have XXXX balance with them but on my credit report its showing I'm using 30 % of the limit. 
It's really stressing me out that they can destroy my credit. If I would at least not paying on time but I do. I am worried that they tried to steal my identity because they see I was doing good ... .but because I am not letting them to have all my copies they will just destroy me. 
It's scary to open store card and end up with some unknown bank from overseas instead. They want to keep a secret about fraud on my account, with my name, my s.s #, they dont want to share with me fraud about me, they are not legit to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
I am a homeowner and I changed home owners insurance companies from XXXX XXXX and XXXX XXXX XXXX to XXXX due to a reduction in the insurance costs. I cancelled the insurance at XXXX through my mortgage company and directly with XXXX back on XX/XX/2020. My mortgage company paid the insurance cost through escrow after already submitting a payment to XXXX. I contacted XXXX and I was advised in XXXX that I would be receiving a reimbursement. I have continued to follow up with the company to collect the refund each month and I am receiving the same response. The amount of refund is around {$430.00}. I have continued to try to resolve this issue directly with XXXX but I am unsuccessful. I would like to receive the refund as soon as possible. I feel that a refund is due to me in a timely manor and after four months or trying to resolve this I have decided to file a complaint.

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 2020-05-06 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX/XXXX  XXXX {$280.00} XXXX  XXXX {$370.00} XXXX/XXXX  XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$110000.00}

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 2020-05-06 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX {$110000.00}

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 2020-05-06 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: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
Company claims to have a way to extend the time frame in which the card can be used, but the website does not offer a means to do so and there is no way to do so by calling their customer service number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-06 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: NY

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
A lawsuit was filed against me and my husband by a property management company and the case against us was dismissed in court. We have court documents to prove that and have sent them to the collections agency but they will not drop the collections even after I spoke to the court which sent me two more copies stating the case was dismissed and nothing is owed which I sent to the collections agency. The collections agent was rude even after seeing the paperwork and tried to intimidate me about the loan being interest bearing. 

This company goes by Genesis credit collections.

Company response to consumer: Closed with explanation