vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
A Girl On XXXX (XXXX XXXX) XXXX1 Claiming To Be A Branch Manager At A XXXX XXXX XXXX XXXX ... As You Will See If You Use The Link To See On Her Page It She Does This All The Time... I Was Told That She Can Help Make Me Money Of I Banked With XXXX Or Cash App To Check My Inbox For More Details I Was Told That If You Send A XXXX Dollar Fee To Start The Process I Ask Multiple Time Was She Legit Because I Heard About Scammers Targeting Banks But She Reassured Me That She Was Legit And Sent "Proof" Pf Other Transaction .. Etc And After I Sent The XXXX Dollars I Was Blocked On The Website So I Reported To The Banking System Multiple Times And Was Told It Was Nothing They Could Do And I Would Have To Ask The Person For A Refund Because The Transaction Was Already Confirmed So I Sent A Refund Request And My Account Was Then Blocked From Doing Money Transactions With The Person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureaus fell to comply with the law.. I sent out several dispute in regard to my credit concern.. They have not yet to provide me with my investigation results.. They are in violation of the law and I will like for my credit concerns be removed from my credit report.. 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 2020-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was looking over my credit report and I noticed that XXXX and 60 day late payments that were supposed to be removed ON MY CAPITAL ONE BANK CARD. The dates were XX/XX/2020, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the XXXX SHUT DOWN XXXXThe CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TN

Complaint narrative:
THE CREDIT REPORTING COMPANYS WILL NOT RECENT MY DISPUTES OF THE ACCOUNTS THAT ARE LISTED ON MY PROFILE I NEVER OPENED THESE ACCOUNTS

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TN

Complaint narrative:
I have to ask Discover to send proof of the account being opening by me and it's now 90 days all they will send is a letter full of accusation and a signed application or electronica application with IP address information. This is a violation of the Fair Debt Collection Practice Act. I am asking for proof of debt no a statement or letter of accusation. I am will take an Affidavit sworn by Discover that this account is mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: NM

Complaint narrative:
I am disputing inquiries on my credit report from XXXX  and Transunion. My list can go on with dates and CSR I've spoken with. For the past 6+ months I've done everything these 2 credit bureaus have asked. I was told I needed to contact the companies that " pulled these inquires '' I did, I was told with all the inquires that my information wasn't on file. I would call XXXX  and Transunion and then was prompted to place a " fraud alert '' on my account. XXXX  did and Transunion failed to until I called for the 100th time. I was then told I needed to file a " police report. '' I went to the local Police department and was turned away. I then called XXXX  and Transunion and was told that their was nothing the could do. Basically, I needed to leave them and let them fall off. I had NO ISSUES with XXXX  at all they placed the fraud alert and helped me dispute the inquires right away. I had 33 and was able to dispute all but 5. I then called again. I was told by a rep with Transunion to file a complaint through CFPB. I have many on both reports that are affecting my credit score. This is very exhausting and I feel I have no other choice but to file this complaint. Every time I speak to someone, we have such a language barrier and ask to be transferred to a US rep. I'm told that the US office is closed. I'm very frustrated.

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 2020-11-03 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: Conn's, Inc.
State: NM

Complaint narrative:
There is 2 CONNS accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TN

Complaint narrative:
THE CREDIT REPORTING COMPANYS WILL NOT RECENT MY DISPUTES OF THE ACCOUNTS THAT ARE LISTED ON MY PROFILE I NEVER OPENED THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TN

Complaint narrative:
THE CREDIT REPORTING COMPANYS WILL NOT RECENT MY DISPUTES OF THE ACCOUNTS THAT ARE LISTED ON MY PROFILE I NEVER OPENED THESE ACCOUNTS

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS MANY TIMES NOW I HAVE YET TO RECENT ANY PROOF THAT THESE ACCOUNTS BELONG TO ME THEY NEED TO BE REMOVE

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I called on XX/XX/XXXX to get information on Balance and transactions. I was told I had transactions that were charged that I was not aware of and informed that I would need to dispute the transactions and have to cancel my card and have a new one issued. The next day after reviewing the transactions history and bank statement I contacted the bank again and questioned the transactions in question and was informed that the transactions were not charges but pos holds that were normal that I ran the card as credit instead of debit. I have nothing to be disputed and canceled my card for nothing but the fact that it was over false information that I was provided by the representatives of the bank which is all I have received from the first call made. After my new card was received I had to call customer service to activate the card and was informed that I would have to send my identification verification by fax for activation to be able to get my account access. After sending my government issued identification card social security card tax documents birth certificate and address verification it has been almost 2 months now and now just informed that I now have to fax all information to another number and my documents were reviewed and verified but need to be processed again. This is unjustified that the amount of time i have been locked out with no resolution or contact with bank I have to call daily waiting on hold to get hung up on lies to or misled this is a big circle that just never ends. Always having another hoop or detail added. I informed the bank from day 1 my family with XXXX children are currently homeless and lost everything, we desperately need this resolved and access to my money. We have been approved for housing after 5 months homeless and are at RISK of losing the housing if cant connect utilities before XX/XX/2020. Please help me get answers and resolve the problem asap please.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have reached out several times attempting to have my personal information updated on my credit report as well as report fraudulent information listed on my credit report. I keep getting letters stating that the information is valid and verified as accurate but no one can tell me how the information is being verified. 

I have never been affiliated with the addresses that I have listen on the template attached with this complaint as well as I have never been late with any payments. I asked to that the fraudulent information that states included in bankruptcy be verified with my signature and I havent received that information yet.

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 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: TX

Complaint narrative:
This law firm is a debt collector who has been filing lawsuits and collecting on taxes during this pandemic. They are using tactics that are unethical. I paid my bill in XXXX and have the right to work out a payment plan with the water district for current year taxes. They filed a lawsuit on my mother 's property taxes for over {$9000.00} dollars. 

Greed and desperate for money against people who have lost jobs in a down economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS MANY TIMES NOW I HAVE YET TO RECENT ANY PROOF THAT THESE ACCOUNTS BELONG TO ME THEY NEED TO BE REMOVE

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS MANY TIMES NOW I HAVE YET TO RECENT ANY PROOF THAT THESE ACCOUNTS BELONG TO ME THEY NEED TO BE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureaus fell to comply with the law.. I sent out several dispute in regard to my credit concern.. They have not yet to provide me with my investigation results.. They are in violation of the law and I will like for my credit concerns be removed from my credit report.. immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus fell to comply with the law.. I sent out several dispute in regard to my credit concern.. They have not yet to provide me with my investigation results.. They are in violation of the law and I will like for my credit concerns be removed from my credit report.. 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 2020-11-03 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: TX

Complaint narrative:
I disputed a collection with Experian regarding ( XXXX XXXX XXXX ) several times. I even sent them documents directly from XXXX and they still updated the info. Every time I ask how they are able to update it, they just say the company stated that the debt is valid. The problem is I'm not disputing whether or not the debt is valid, I'm stating that failure to send the Rights to Cure before repo and the Notice of Sale post repo was a violation of my consumer rights.

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 2020-11-03 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: EQUIFAX, INC.
State: NM

Complaint narrative:
There is 2 XXXX  accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
There is 2 XXXX  accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.

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 2020-11-03 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: TX

Complaint narrative:
I disputed a collection with Transunion and XXXX  regarding XXXX XXXX XXXX XXXX XXXX several times. I even sent them documents directly from XXXX and they still updated the info. Every time I ask how they are able to update it, they just say the company stated that the debt is valid. The problem is I'm not disputing whether or not the debt is valid, I'm stating that they failed to send the Rights to Cure before repo and the Notice of Sale post repo which was a violation of my consumer rights. XXXX admitted to sending out notices to the wrong address and sent a letter per my request proving it.

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 2020-11-03 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 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. 

Credit collection acc # XXXX 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!

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 2020-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Ad astra is in violation of the FDCPA 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: IL

Complaint narrative:
THIS CAR LOAN HAS NOTHING TO DO WITH ME. IT'S ALL PAID FOR ... THIS FRAUD ON MY REPORT ON 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 explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I pulled credit report and notice fraud account from when my identify was stolen! I notice student loan accounts I was incarcerated at the time, so there is no way I could have attended college. These accounts need to be removed from my credit report and copy sent to my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
THIS CAR LOAN HAS NOTHING TO DO WITH ME. IT'S ALL PAID FOR ... THIS FRAUD ON MY REPORT ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I HAVE FOLLOWED ALL THE RULES OF WHAT TO DO MY INFORMATION WAS STOLEN OR MISUSED I HAVE GIVEN THE CREDIT COMPANYS ALL THE PROOF THEY NEEDED THEY STILL HAVE YET TO REMOVE THE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reached out to TransUnion in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.

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