vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-27 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 — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX I was emailed that my card was frozen due to the fact it was stolen or lost which it was not because I had the card on me the card company then put me thru various checks to verify if I was in fact the person who is authorized to have that card after I went thru that for several hours to prove I was in fact the cardholder I still was not allowed access to my account I could not understand why they failed to tell me that XXXX dollars was taken out of my account the only way I found out is because 2weeks prior I had to issue a new card to my wife and she received the new card on XXXX the XXXX had it activated check my account for me and found out I only had XXXX dollars left in the account I then called the card company in which they told me I could file a dispute we did go over my statement of my last transactions over the last 24hours and that's when they read to me that on the XXXX of XXXX I suppose to have transferred XXXX dollars out of my account I told them that is not true I never took any funds out nor did I authorized anyone else to do so currently at this time they have my dispute under investigation I have not submitted any letter yet because I'm a XXXX XXXXr on the road and it's difficult for me to get that done but I am going to get my roommate to do so for me I am also going to call them today which is XX/XX/XXXX and ask that extended credit be issued me someone took my money they seem to believe that I did THEY ARE WRONG I do need help I want my money back and those who stole it arrested

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 2019-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
i dont make money and cant afford to pay loan. they call and say im late when im not. they robo call way to much and harass me and my mom. just got phone call i was past due then they said it was a computer error. scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On XX/XX/2019 I disputed the ARS Account Resolutions account # XXXX with all 3 bureaus. ARS Account Resolution verified that this account was being reported 100 % legally and accurately. I know that this isn't true. So I sent a letter to ARS Account Resolutions via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting proof of the alleged debt, including the alleged contract or other instrument bearing my signature and complete account history, including any charges added for collection activity amongst other things. It has been past 30 days since the letter was delivered to ARS Account Resolutions. They have failed to provide me proof that this debt is valid. They have not removed the account from my credit reports. They are in violation of the FDCPA.

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 2019-07-27 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 a victim of identity theft

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 2019-07-27 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: NC

Complaint narrative:
I am very frustrated at this time, my concern was not properly handled by Equifax and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
I am very frustrated at this time, my concern was not properly handled by XXXX credit bureaus - Equifax, XXXX and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX, accounts payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
I am very frustrated at this time, my concern was not properly handled by 3 credit bureaus - XXXX, EXXXX and Transunion. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX, accounts payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

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 2019-07-27 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: GA

Complaint narrative:
I am very frustrated at this time, my concern was not properly handled by XXXX credit bureaus - XXXX, Experian  and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX, accounts payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

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 2019-07-27 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: GA

Complaint narrative:
I am very frustrated at this time, my concern was not properly handled by the XXXX credit bureaus - Equifax, XXXX, XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting laws and requisite standards. The accounts XXXX  XXXX BANK, XXXX XXXX BANK, XXXX XXXX XXXX history were not correct and is not a charge off. I PAID THE ACCOUNTS AND WERE SATISFIED AS AGREED. Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
I am very frustrated at this time, my concern was not properly handled by the 3 credit bureaus - XXXX, XXXX, Transunion. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting laws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX history were not correct and is not a charge off. I PAID THE ACCOUNTS AND WERE SATISFIED AS AGREED. Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

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 2019-07-27 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: GA

Complaint narrative:
I am very frustrated at this time, my concern was not properly handled by the XXXX credit bureaus - XXXX, Experian, XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting laws and requisite standards. The accounts XXXX  XXXX BANK, XXXX XXXX BANK, XXXX XXXX XXXX history were not correct and is not a charge off. I PAID THE ACCOUNTS AND WERE SATISFIED AS AGREED. Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

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 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to explain the circumstances of my chapter XXXX bankruptcy filing..Since credit bureaus wont hear me out I don't know the reason why, but they failed to cooperate..My husband had been laid off from work 7 months previously, which meant our financial situation was precarious. Mine was the only income in the household. I was just barely keeping up with the usual bills after the loss of my husband 's income. This led to our bankruptcy filing. .Things have improved since then..I have received annual raises and my husband have a job now.. Our credit history since the bankruptcy is relatively limited but all of our bill payments since the bankruptcy discharge have been on time.. CFPB reconsider, take care of my concern and fix the following accounts XXXX XXXX XXXX XXXX  -- this account is reported twice the other trade line is in good standing..Its really confusing. Take off the other account which is XXXX XXXX XXXX XXXX.. 
fix also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UNIVERSITY  XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX  ( reported duplicate on Equifax credit report ) .. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to explain the circumstances of my chapter XXXX bankruptcy filing..Since credit bureaus wont hear me out I don't know the reason why, but they failed to cooperate..My husband had been laid off from work 7 months previously, which meant our financial situation was precarious. Mine was the only income in the household. I was just barely keeping up with the usual bills after the loss of my husband 's income. This led to our bankruptcy filing. .Things have improved since then..I have received annual raises and my husband have a job now.. Our credit history since the bankruptcy is relatively limited but all of our bill payments since the bankruptcy discharge have been on time.. CFPB reconsider, take care of my concern and fix the following accounts XXXX XXXX XXXX XXXX -- this account is reported twice the other trade line is in good standing..Its really confusing. Take off the other account which is XXXX XXXX XXXX XXXX..

fix also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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
Consumer complaint received 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to explain the circumstances of my chapter XXXX bankruptcy filing..Since credit bureaus wont hear me out I don't know the reason why, but they failed to cooperate..My husband had been laid off from work 7 months previously, which meant our financial situation was precarious. Mine was the only income in the household. I was just barely keeping up with the usual bills after the loss of my husband 's income. This led to our bankruptcy filing. .Things have improved since then..I have received annual raises and my husband have a job now.. Our credit history since the bankruptcy is relatively limited but all of our bill payments since the bankruptcy discharge have been on time.. CFPB reconsider, take care of my concern and fix the following accounts XXXX XXXX XXXX XXXX -- this account is reported twice the other trade line is in good standing..Its really confusing. Take off the other account which is XXXX XXXX XXXX XXXX.. 
fix also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UNIVERSITY XXXX 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 non-monetary relief
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX XXXX XXXX ),  XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( reported duplicate on XXXX   credit report ) .. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is

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 2019-07-27 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: GA

Complaint narrative:
My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX (  ORIG CREDITOR : XXXX XXXX XXXX XXXX NA ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( reported duplicate on XXXX credit report ) .. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is

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 2019-07-27 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: GA

Complaint narrative:
The student loan from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in deferment and should not reflect a late payment on it.. This is a misunderstanding.. I am requesting that you please step up and take any appropriate regulatory action.. It is important that we put an end to these types of deceptive information

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 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information..Delete CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISCHARGED REFERENCE NUM XXXX

Company response to consumer: Closed with explanation