vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
its been three or four months and I was told that in XXXX the funds will be transferred to my account and that the company would communicate with me via email although they have made no communication with me via email I have experienced a incredibly serious financial hardship due to the unwarranted freeze on my account this resulted in the company with holding over {$1100.00} The linked bank account that was associated with my account at Square is no longer active and I would like to update that information however Ive been unsuccessful at getting in touch with anyone who is willing to work with me to solve the issue every time I speak to someone there they tell me that somebody will email me Ive even provided them a secondary email address and Ive made about six calls regarding this with the same response promising an email that never comes. 

Square does this to lots of small business owners when they open an account and I have spoken to many people who have dealt with the same issue square is redlining and is unscrupulously operating without ethics and morals I am a small business owner who was a victim in a Ponzi scheme and I really would just like my money back as I cant even my bills and every dollar helps

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: IL

Complaint narrative:
Information was compromised due to XXXX  data breach in XXXX and also compromised due to covid-19 when I did not have a stationary address between XXXX and 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 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 at XXXX XXXX, I deposited a check at a Chase bank at XXXX XXXX, XXXX, NY. The sequence # XXXX and the Term ID : XXXX. AID # is XXXX. The amount that was supposed to be deposited was {$290.00} and the bank had an error which resulted in taking the check but not showing the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: PNC Bank N.A.
State: PA

Complaint narrative:
STILL REPORTING LATE PAYMENTS AND CHARGE OFF WITHOUT VALIDATION OF DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: DE

Complaint narrative:
I got lawsuit papers on XX/XX/2021. It said it was from Discovery Bank and is a card that I did had and did have a outstanding balance of {$10000.00} or a little less. Anyways I did not pay much attention because I was nervous and scared and honestly did not know what to do or how to even answer the documents I got. So I thought I should just accept the debt and then work with Discovery Bank to take care of it. Well I send a response to the Justice Court, accepting the debt I called the number on such file and it was from a Law Firm in XXXX Delaware named XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I called a few times on different days and no one picked up and sometimes the line would make the sound like we used dial-up back in the early days of the internet. I decided to call Discovery and they told me to deal with them and I told them I was not even able to reach them. Long story short, I got another lawsuit from the same Law Firm but from another unrecognizable name XXXX acquisitions. In the document, they mentioned an account with XXXX XXXX, which indeed I did have an account with but with a wrong balance something over {$40000.00} they claim. Then I looked at the attached documents and most of the information is wrong like they copy and paste any information and organize it a bit and make it look legit, same I noticed looking at the documents with Discovery Bank Lawsuit. 
So then after a quick search of this business, I found out all the complaints and illegal activities they do, and the pursuit of all types of debts so I decided to actually make a complaint to assure to protect any other customers they might be targeting because that is what I fell, they saw that I did not fight back the lawsuit, they got another of my debt and decided to pursuit too to target me for over {$14000.00}. I tried contacting them and no luck at all. I do not know why they have yet contacted me from the first lawsuit, today is XX/XX/XXXX so since XX/XX/XXXX I am yet to be contacted and now they have got me served again. Because of lack of funds, I did not know how to respond or defend myself and I find myself helpless and decided to consider bankruptcy because these people are vicious, I got offered at some point much ower amounts to settle each of those 2 mentioned debts, but I could not afford anything at that point, these people when straight up for everything I supposedly owned, and because I did not defend myself now they have a legal claim to that and is making my life a living XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: NJ

Complaint narrative:
I have sent out Notice after Notice. I startedXX/XX/XXXXanXX/XX/XXXX, and the last one was onXX/XX/XXXXto Experian. They are not responding to me at all, neither by mail or email. And I only to them they are listing a bankruptcy on my credit report, I was wondering what method they used to retrieve such information. I only want to know what methods they used to verify this information on my credit file. They will not respond back to me and its a fair simple question. I asked them to refrain from responding with a typical verified response I am not disputing such information. To no avail is it anyway you guys can help me out.Oh and one call they hung up on me after awhile..

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 2021-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capitol One Auto XX/XX/15 Account was Opened. Account has been paid in full, I had some late payments but again account has been paid off for sometime now. I would like this to be removed from my credit report, this is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: GA

Complaint narrative:
Equifax is reporting that my XXXX XXXX Account is reporting a 30-day late payment. Whereas XXXX XXXX mailed me a letter which is attached showing that their reporting was incorrect and all 3 credit bureaus were notified. This change has not been updated with Equifax as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: World Acceptance Corporation
State: SC

Complaint narrative:
I was unaware that late payments was reported to this account. I disputed it on XX/XX/2021. I thought it would be a quick fix being that I've never made a payment late. It was not! To my surprise an authorized representative of Local Loans reported to XXXX  that the late payments were correct. 
I mailed Local Loans 2 separate notices to properly validate their claim of actual late payments. 
I would like for Local Loans to provide proof of any late payments to assist with correcting this error, or remove their account if choosing not to correct the late payment error. 

I will upload proof of error also

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: IL

Complaint narrative:
Received a copy of my Equifax credit report and notice some inaccuracies, specifically a bankrupticy. Sent request for there method of verification and Equifax replied on XX/XX/XXXX with file # XXXX saying the account was verified by XXXX. Appalled by this, I went to XXXX directly to verify this information and during there investigation XXXX couldn't verify the information themselves as a result of there investigation has removed and deleted the inaccurate unverified bankruptcy on there files as of XX/XX/XXXX. As a result of the investigation XXXX disputed the information on my behalf to Equifax directly on XX/XX/XXXX and as of XX/XX/XXXX no response. So as a follow up I sent the results of the investigation XXXX letters enclosed XXXX  that the bankruptcy was unverified and has been removed from XXXX files received by Equifax on XX/XX/XXXX and responded on XX/XX/XXXX with file # XXXX stating the bankruptcy is VERIFIED as accurate and reporting correctly. How after XX/XX/XXXX can Equifax verify something that is not on XXXX files? Either they lied or never sent the information for verification to XXXX and just sent a computer generated response. Why hasn't Equifax responded to XXXX dispute on my behalf which has been over 30 days and why say something is verified when its can't be. Equifax is reporting unverified inaccurate bankruptcy on there report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TX

Complaint narrative:
Upon pulling my credit on XXXX XXXX I have come to a conclusion that my identity was tempered with for I am not familiar with previously reported errors on my credit profile. I have reached out to XXXX, TransUnion and XXXX. XXXX acted accordingly by deleting everything off my credit report including inquiries except that they are not reporting my score on my credit profile. TransUnion did get rid of some but left XXXX, XXXX and Inquiries. XXXX deleted all inquiries but left a XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. However, my biggest problem is with XXXX  and TransUnion who continue to ignore my request to delete Erroneous items that I am attaching on here for you to review and investigate further. I have filed a complaint with the FEDERAL TRADE COMMISSION and sent it to all three credit bureaus and attached it to this complaint as well. I am demanding that XXXX TRANSUNION, AND XXXX  remove all INQUIRIES, and listed attached so called collections and derogatory accounts off 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 2021-07-15 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: NJ

Complaint narrative:
I have sent out Notice after Notice. I started XX/XX/XXXX  and XXXX/XXXXXXXX and the last one was on XXXX/XXXX to XXXX. They are not responding to me at all, neither by mail or email. And I only to them they are listing a bankruptcy on my credit report, I was wondering what method they used to retrieve such information. I only want to know what methods they used to verify this information on my credit file. They will not respond back to me and its a fair simple question. I asked them to refrain from responding with a typical verified response I am not disputing such information. To no avail is it anyway you guys can help me out.Oh and one call they hung up on me after awhile..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin Collection Service has failed to provide proof that I indeed owe this debt. They still report it to the credit bureaus without proof that I asked for. They are violating my Fair Debt Collection rights. Please remove this debt because Im never going to pay it. I do not owe it. Plus I was affected by natural disaster Covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delivery Financial Services, LLC

Complaint narrative:
This company double dips. They bill the insurance and the customer for the same thing. If the customer doesn't pay, they instantly send them to collections regardless of any proof provided. There is a clear history of this. Look at their XXXX reviews. PLEASE investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collectibles Management Resources
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: KY

Complaint narrative:
I recently received a copy of my Transunion credit report and noticed that several inquires were made without permissible purpose, i contacted Transunion on XX/XX/XXXX and was told they would be removed, but they still remain. 



To whom this may concern, I am writing to request the removal of unauthorized credit inquiryXXXXinquiries on my Transuion credit report. I recently retrieved my credit report and it showed 5 credit inquiries that I have no knowledge of ever authorizing. 



I am writing to dispute the following inquiries and asking for their removal from my credit report. 


XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX VISA XX/XX/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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
this is my XXXX CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to XXXX XXXX and Transunion and they still have not been updated or removed. 

Transunion is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from XXXX XXXX and 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 explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this is my 2nd CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to XXXX, Experian and XXXX  and they still have not been updated or removed. 

XXXX  is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from Experian, XXXX and 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 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The debt Collector company by the name of : I.C System INC has be harassing My Credit and Damaging it out of Spite! They told me that they would purposely Ruin my credit Score. And now they are sure FLAGGING MY CREDIT 3 or 4 Times in less than a Month which I believed is illegal! Company phone number XXXX address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX. My name is XXXX XXXX, phone # XXXX i had to changed my number! Listed creditor : XXXX, XXXX XXXX XXXX Reference ID : XXXX. My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX. The last representative i spoke to i told him i did not have because Im struggling to pay my bills, i also told him that they are harassing me, and i need it to stop. He then told me that the are going to Damage my credit since am so rude telling him about harassment. I need my credit scores to be replaced asap! I.C System Inc FLAGGED MY CREDIT on XX/XX/21, XX/XX/21 & XX/XX/21. XXXX  times that i can show that the action is to damage my credit out of spite. I need help please. They are abusing there authority. Thank you, 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 2021-07-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A few years ago, I had two checking accounts with Wells Fargo. They were later closed and had accrued many overdraft fees. I have since paid one of them off, but have been unable to get the credit bureaus to remove the erroneous information. They continuously claim they've " verified '' the account. Clearly they haven't, as if they'd had, they'd know the account has been paid. I paid one of the accounts off with a XXXX XXXX money order # XXXX. It shows this money order has been cashed sometime in XXXX of 2020. Because it's been so long, and my rights under the FCRA have been violated multiple times, I would like both of the accounts removed from each credit report, or I will have no other option than to contact my attorney and file suit against all of these companies that continue to violate my 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 non-monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
Called ARS to pay debt from XXXX XXXX, last communication was with them in XX/XX/2020. While speaking to them they said they did not have record of my debt and could not find who they sold the debt to. They were unwilling to investigate or help at all and just keep saying we do not have or have ever had an account, im literally reading them their letter and account number, and I have no idea where to go from here as they should by law have the information of who bought the debt from them. 

I then called XXXX XXXX  who also could not find i ever had an account with them even though i know i have since they are listed on the debt collection letter as original creditor for my XXXX XXXX, they would not send me a letter confirming that they can not find an account for me or anything.

Company response to consumer: Closed with explanation