vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I started a auto repair business and opened an account with Square to invoice and accept ACH payments and I invoiced my customer for {$1900.00} on XX/XX/XXXX and they paid that day through ACH it cleared on XX/XX/XXXX and once it did I went to transfer it to my bank account and then I received a message saying they needed more information so I resent my ID, Social security card and 3 months of bank statements along with my return policy and they said that was good and they just needed to review and confirm and in the meantime I can still accept payments etc. the next day I received a message saying that I can no longer use there services and my account is frozen and all money in my account will remain with them for 90 days. I tried to refund my customer and it wont allow me to even though the letter states I can. Im just starting my business and now I am unable to purchase materials needed to do the body work for a customer that has already paid.I have called repeatedly and they tell me there is nothing they can do and say someone higher up will call me and no one does. Now they have my phone number flagged so if I call I can only get a automated message so I have to call from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: MI

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$2100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} ), XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$40000.00} ), XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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:
I am disputing all inaccuracies on my credit report with Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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:
I am disputing all inaccuracies on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: LA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XXXX, XXXX, Balance : {$20000.00} ), XXXX XXXXXXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Balance : {$2500.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$520.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$440.00} ), XXXX ( Account Number : XXXX, Date Opened XXXX, XXXX, High Balance {$110.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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:
I am disputing all inaccuracies on my credit report with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX - XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX - XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-11-01 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: MN

Complaint narrative:
I have repeatedly submitted complaints and disputes with Equifax. I have submitted the necessary documents for my complaints and disputes. The response was the the information was " deleted '' this is FALSE. THE COMPANY HAS LIED. This has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Bought vehicle from person that had a loan at Truist Bank. My bank paid off his loan, but Truist will not send my bank the title. Myself and members of my bank have reached out to Truist several times, they will not respond and refuse to give my bank the title. They will only give my bank a letter saying that the loan was paid and they no longer have lien on the vehicle. It's been six months and I still can not get my vehicle registered in my state, with no registration, I can't use it. 
The title is currently registered in another state, we reached out to that state and they said truist bank is the only one that can release the title, the letter they gave us is no good.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : 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 2022-11-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got sick with XXXX and was out of work and missed one payment I called the creditor who agreed to take the 30 day late payment off of my credit report but it is still there which is harming my credit and making it so I am unable to get a loan to catch up on my bills from being out of work.if this is not corrected I will be homeless!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
CFPB I thought you created laws to protect consumers? I do not feel protected. Aidadvantage ( my student loan providers ) are allowed to disregard the consumer laws. I've asked them several times to removes transaction placed on my consumer report that I did not consent. I am writing to request the following information that appears on my XXXX, and XXXX report be removed from my consumer report : 1. XXXX  # XXXX 2. XXXX # XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX # XXXX These account are reporting multiple times on my consumer report, they can not report the same account multiple times on my consumer report, also these accounts have been deleted from my XXXX report however, when I have reached out to XXXX and XXXX I was told these accounts were verified. How when one CRA deleted the information. XXXX was supposed to contact the other 2 CRAs with a carbon copy on the deletion so they may remove the accounts to ensure accuracy of my consumer report. That was not done and in violation of my consumer rights. 
Aidadvantage has abused their billing practices and are in violation of my consumer rights. They are willfully non compliant to the consumers laws that are supposed to protect me this is discrimination and unlawful billing practices and they have caused damages to me and my families ' livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: CA

Complaint narrative:
I got sick with XXXX and was out of work and missed one payment I called the creditor who agreed to take the 30 day late payment off of my credit report but it is still there which is harming my credit and making it so I am unable to get a loan to catch up on my bills from being out of work.if this is not corrected I will be homeless!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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.
State: CA

Complaint narrative:
I got sick with XXXX  and was out of work and missed one payment I called the creditor who agreed to take the 30 day late payment off of my credit report but it is still there which is harming my credit and making it so I am unable to get a loan to catch up on my bills from being out of work.if this is not corrected I will be homeless!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: NJ

Complaint narrative:
CFPB I thought you created laws to protect consumers? I do not feel protected. XXXX ( my student loan providers ) are allowed to disregard the consumer laws. I've asked them several times to removes transaction placed on my consumer report that I did not consent. I am writing to request the following information that appears on my Transunion, and XXXX report be removed from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are reporting multiple times on my consumer report, they can not report the same account multiple times on my consumer report, also these accounts have been deleted from my XXXX report however, when I have reached out to Transunion and XXXX I was told these accounts were verified. How when one CRA deleted the information. XXXX was supposed to contact the other 2 CRAs with a carbon copy on the deletion so they may remove the accounts to ensure accuracy of my consumer report. That was not done and in violation of my consumer rights. 
XXXX has abused their billing practices and are in violation of my consumer rights. They are willfully non compliant to the consumers laws that are supposed to protect me this is discrimination and unlawful billing practices and they have caused damages to me and my families ' livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
CFPB I thought you created laws to protect consumers? I do not feel protected. XXXX ( my student loan providers ) are allowed to disregard the consumer laws. I've asked them several times to removes transaction placed on my consumer report that I did not consent. I am writing to request the following information that appears on my XXXX, and Experian report be removed from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These account are reporting multiple times on my consumer report, they can not report the same account multiple times on my consumer report, also these accounts have been deleted from my Experian report however, when I have reached out to XXXX and XXXX I was told these accounts were verified. How when one CRA deleted the information. Experian was supposed to contact the other 2 CRAs with a carbon copy on the deletion so they may remove the accounts to ensure accuracy of my consumer report. That was not done and in violation of my consumer rights. 
XXXX has abused their billing practices and are in violation of my consumer rights. They are willfully non compliant to the consumers laws that are supposed to protect me this is discrimination and unlawful billing practices and they have caused damages to me and my families ' livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: MI

Complaint narrative:
Sent in dispute letters to the Credit Reporting Agencies to have this account removed and nothing has changed since. I have not received any feed back on whether the Credit Reporting Agencies are working on the disputes or anything. This is very unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I did receive a unemployment retroactive payment over a year ago the fact that the account at venmo only allows for me to put a certain amount that caused my account to get locked due to the amount that was put in retroactive the amount was about {$9000.00} a total amount that has been put into my account is {$13000.00} they are not letting me access my account they have Frozen my account and continue to send me debit cards let me know that they will one day unfreeze my account and I will have access to my funds I have contacted unemployment and asks them if they were able to withdraw any of that money and referred it to my bank and they said that there's nothing they can do that is out of their hands because I gave them that bank account information and that is venmo there is no way to communicate with them as everything is done with a computer or by text messages or email they ask you to identify yourself with your driver 's license and go through obstacles and with that being said you don't even know who you're dealing with on the other end to further make the situation worse or delay they always ask you to please give them the last email they sent you some code number to identify yourself if by any chance you delete it or you spam it and don't have it they will make your issue even harder as they tell you to please try to find a way to retrieve it it's been very difficult dealing with them and to me it's just a typical scam and I do believe a lot of people are tied up just like I am and all they're doing is profiting and collecting money and interest on all the accounts that they have Frozen They're benefiting from it an issue that I had a long time ago was with PayPal and I know PayPal owns venmo I've did a job with someone and got paid {$4000.00} that person bounced my payment after a few days so I owe PayPal {$4000.00} the fact that I owe PayPal {$4000.00} for something that I had no control of I just got ripped off on my end doesn't mean that venmo has to take those actions and stiff me out of my money over something that had nothing to do with venmo but with a PayPal account I wish this matter can get resolved as I started to read online venmo is nothing but some wannabe financial institution that is pretty much locking everyone 's account and having everyone go through a financial burden I didn't need the money as much so I never focused on it but today I decided to contact a attorney and of course you guys and I am deciding it is time to put a end to this as I've been taking advantage of and it's going to be almost 2 years

Company response to consumer: Closed with non-monetary relief