vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, Equifax has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. Equifax open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from Equifax credit file and XXXX  credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from Equifax ( I'm  trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: USCB, Inc.
State: CA

Complaint narrative:
Dates : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, ongoing Amount : {$1000.00} On XX/XX/XXXX I sent a letter to the company to identify why this collection account appeared on my credit report. On XX/XX/XXXX, XXXX XXXX from J & L Teamworks received the letter via certified mail ; however, to date I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and Transunion credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 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 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. Equifax open a dispute for my two credit cards that I just opened two months ago with CAPITAL ONE XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX  credit file and XXXX credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask Capital One to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB, XXXX  has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with CAPITAL ONE XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and XXXX credit file, XXXX   is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask Capital One to please disregard this dispute as it was an error done from XXXX  ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and XXXX credit file, Experian is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 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 non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Fri, XX/XX/2019 at XXXX XXXX Square Team XXXX wrote : Hello , We chose to close your account as authorized by our Terms of Service. 

Unfortunately, our decision to deactivate your account is final. As a result, you will no longer be able to use Cash App to send or receive payments. 

We are also exercising our discretion under Section VII of the Cash App Terms of Service in the decision to block or reverse your transfer of funds. For security reasons, unfortunately, we can not provide more details regarding our decision. 

Thank you for your cooperation. 

Square Account Services Team -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : [ XXXX ] Sent : XX/XX/2019 XXXX XXXX To : Subject : Your Account is Closed Why was I banned? All I did was make a simple Bitcoin transaction and transfer it to my personal wallet. There is nothing wrong with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Due to my identity being compromised from the theft of my identification it has lead to disperacies and fraudulent accounts being abused via my credit file. I'm asking that these accounts be removed immediately and let my true credit worthiness reflect that change. Please remove these accounts 1 ) XXXX XXXX  {$600.00} 2 ) XXXX XXXX {$140.00} If the credit reporting agencies can not provide me with physical documentation then these accounts shall be blocked 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 explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust bank took my money, discriminated against me and my family as well as using discriminatory tactics in our business encounter. They let my XXXX wife access my personal account deposit a check as well as make a withdrawal from my account. Same type check that they closed my account as well as tell me theyre breaking ties with me and im bad for business. At least thats the way i took it especially when SUNTRUSTS reason for their actions was '' They had confidential information that my check was no good .... 
that was XXXX. ITS XXXX now. Oh and please let me touch on miss you dont need your money back XXXX XXXX. She stated that she worked for Consumer Financial Protection Bureau, Well. I ask miss XXXX WHO are you protecting ... .. Miss XXXX XXXX said she Respectfully decline my requests.All of Suntrusts disclosures say they may and will put a hold on checks and what have you but there disclosures say they wont hold the item for more than ten days. I have XXXX children under the age of XXXX, and I promise you miss XXXX that my chlidren can not eat that XXXX. Your Fraud departeent said that there was nothing wrong ... ... ... ... HHHeeeLLLooooooo

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 2019-06-29 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: MO

Complaint narrative:
Due to my identity being compromised from the theft of my identification it has lead to disperacies and fraudulent accounts being abused via my credit file. I'm asking that these accounts be removed immediately and let my true credit worthiness reflect that change. Please remove these accounts 1 ) XXXX XXXX {$600.00} 2 ) XXXX XXXX {$140.00} If the credit reporting agencies can not provide me with physical documentation then these accounts shall be blocked 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 explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hard Inquiry Date : XX/XX/2018 Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I would like it removed immediately. I have contacted the Creditor and they are not responding. I would really appreciate your help in this matter which is affecting my credit.

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 2019-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: AZ

Complaint narrative:
MY NAME IS XXXX XXXX I LIVE AT XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX. IM TRYING TO FIGURE OUT WHY THE PERSON I LIVE WITH IS COLLECTING MY BENEFITS, AND HOW LONG HAS THIS BEEN GOING ON? YOU SHOULDN'T NEED ANY PROOF THE CARDS ARE ADVERTISED ON YOUR WEBSITE.I WOULD APPRECIATE IF YOU FIX THIS SITUATION ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: CA

Complaint narrative:
Any information that is not physically proven to be compliant to every and each or all of the client 's State and or federal reporting laws must be returned to compliance even should that requisite annulment of item 's reporting..No entity is with authority to retain or report any allegations not demonstrated by certificate of fact to be fully TRUE, CORRECT, COMPLETE, TIMELY.The account payments history is not accurate..RESIDENTIAL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: CA

Complaint narrative:
Any information that is not physically proven to be compliant to every and each or all of the client 's State and or federal reporting laws must be returned to compliance even should that requisite annulment of item 's reporting..No entity is with authority to retain or report any allegations not demonstrated by certificate of fact to be fully TRUE, CORRECT, COMPLETE, TIMELY.The account payments history is not accurate.. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
At the present time I have several credit card accounts with Synchrony Bank. I have NEVER been late on any payment. 
I am however close to my limit on all cards, however I am attempting to reduce my outstanding balances while restricting my usage as much as possible. In the last few months they have closed my Chevron-Texaco card which had a XXXX balance and no usage in over a year, my XXXX XXXX XXXX credit card which had again no balance and no activity in over a year. They have reduced my credit line on my XXXX Visa Card, My Synchrony Home Card, and my Synchrony MasterCard. 
The end result is that my total available credit has been drastically reduced. That occurrence has increased my usage of available credit which in turn has caused my credit score to plummet. This has caused me extreme mental stress as I am waiting for the " other shoe to drop ''. They claim that 'serious delinquency, and 'high credit usage ' are two determining factors. I am not the only person to which this is happening. If one XXXX " Synchrony Bank Complaints '' several websites can be found with complaints similar to mine. If they continue this practice, my credit score will only decrease further and the damage will never be repairable. I did have an issue with XXXX XXXX which has been resolved and am currently working on a problem with XXXX XXXX XXXX. I am also seeking legal counsel simply because I do not know what will happen next.

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 2019-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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. XXXX XXXX   XXXX ( ORIG CREDITOR:11 XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: NY

Complaint narrative:
I dont have exact dates but I made 2 large payments in the month of XX/XX/2019 on my Discover card for the amount of {$500.00} and on my XXXX credit card for {$300.00} and for some reason my credit score plummeted when I feel it should have increased. XXXX XXXX did nothing but ignore this matter. I have no faith in proper credit scores with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Corporate Phone Number: XXXX
Fax Number: XXXX
Email Address:XXXX  I PURCHASED A USED ENGINE FROM A COMPANY IN TEXAS. THEY USED MY CREDT CARD TO PURCHASE ($XXXX) THE ENGINE IN MICHIGAN. AND CHARGED ME $XXXX ON MY PAYPAL ACCOUNT. THE ENGINE WAS NOT THE RIGHT ONE. THE COMPANY REFUSED TO REPLACE OR REFUND MY MONEY. I FILED A COMPLAINT WITH PAYPAY UNDER THEIR BUYER PROTECTION PLAN. THEY SAID THAT THEY WOULD REFUND MY MONEY IF I RETURNED THEENGINE  TO THE ADDRESS OF RECORD THEY HAVE FOR THE MERCHANT WHICH IS IN XXXX!!!!!

PAYPAL DISPUTE #XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: NC

Complaint narrative:
Credit bureau refuses to remove/delete negative items even after I submitted a FTC identity theft 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 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
A XXXXXXXX account was issued in my name without my knowledge. The account was transferred to XXXX XXXX , XXXX, a collection agency in XXXX. I was only notified via a letter of the outstanding balance. I called XXXX and notified them it was a fraud account along with notifying XXXX-XXXX. XXXX I was notified by a separate debt collection, Diversified Consultants , Inc . I've notified them of the fraudulent account. This has now impacted my credit score via a XXXX   derogatory remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Opened XXXX, credit card, it was discharged XX/XX/XXXX then it was repurchased 2 yrs later XXXX for monies and I had NO knowledge and then again transferred to CACH LLC XXXX. Even credit one supplied me with all the above information and had no knowledge that this charged off account was being bought by collection agencies. 
I notified XXXX XXXX XXXX XXXX DE, my bankruptcy attorney advised me that once this was charged off, it was not to be purchased two years later ( statue of limitations ) and then again in XXXX XXXX deleted this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc.
State: VA

Complaint narrative:
Was called not mailed a letter by collection agency about a XXXX debt. Sent letter of dispute as had set up payments with creditor XXXX for hospital bill. 
XXXX sent me a response saying they couldnt accept payments as it was part of a lawsuit and since my lawyer requested documents for an auto accident they couldnt talk to me. 
I explained the debt with the XXXX   was not related to the accident that I wanted to pay it off. I contacted sca and they told me it was sent back to XXXX and they didnt have an account in my name. I sent letter asking for validation of debt Never received validation. Never received any letter from XXXX saying debt was going to collections. 
I want this removed from all my credit reports ASAP and for XXXX to send me a validation letter and also sca to provide me with why they didnt send a validation letter and why they said they couldnt take payments since it was involved in a car accident when it was not. 
I made payments on the XXXX   account in XXXX before this all happened and was told once they received my payment they would reset the payments and start the billing over for me to get it paid off. Then I never heard back and got a call from sca. 

This is a violation of debt collection its a violation. Not validating the debt after request and its a violation of patient rights as my medical records were sent to a third party violating hippa I want this removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Items have been removed by other vendors. Transunion has been notified via certified mail ( see receipts ) and refuse action. Any assistants with this issue id greatly appreciated. 
Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation