vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote XXXX XXXX and Experian to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail.

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 2021-05-05 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: NJ

Complaint narrative:
I had sent letters and called TransUnion many times and told them theres a error on my credit report they sent me letters stating it was Accurate when I Dispute many times about this account they come back with its accurate, TransUnion is reporting open account However XXXX is reporting closed account both can not be right this account is 5years old its a closed account its a XXXX account # XXXX date XXXX XXXX thats there report, I know this account is 5 years old, the error is they are reporting wrong information stating its a open account plus they are making the account look young its not.

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 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I am a XXXX  credit card that declines my poaches whenever they feel like it I have reached out movies times to customer service Web and manager with no spin nation I should be able to use my card that I am paying interest in payments on without being declined and not given a reason for being declined this has been a huge inconvenience for me my family have never been late on any payments I am angered standings And I am not receiving the help or answers that I should be from a credit card company reached out to pre approved down to me Baby put an accurate information as well I pay the invoice before the due date and data summit that payment into after I believe that this is a way of XXXX gaining interest on purchases have been paid for already Credit card companies times and sensitive to the needs of the people only taking about the bottom line in the $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote XXXX, TransUnion and XXXX to requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail. Its going on five months and I have yet to receive a response.

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App is encouraging fraud. On XXXX  XXXX I paid XXXX XXXX for weed. The original amount was {$40.00} but due to Cash App fees I ended up having to pay {$41.00}. When it was time to deliver what I had paid for, XXXX XXXX stopped responding to my texts. I then requested a refund of which he declined. When that happened I then filed a complaint with Cash App. The App took me around in circles ( in writing ), refusing me to file a complaint. This is encouraging fraudulent behavior on the App. I would like the refund of the amount paid to XXXX XXXX as I did not receive the goods. Attached is the reference number : ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: SC

Complaint narrative:
accounts not mine

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 2021-05-05 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: NY

Complaint narrative:
XXXX has listed XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX accounts can be removed from my credit history.

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 2021-05-05 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: SC

Complaint narrative:
incorrect 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 2021-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Student loans maxes out can't pay for math class destroyed financially. INVESTIGATE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NY

Complaint narrative:
TransUnion  has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX XXXX accounts can be removed from my credit history.

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 2021-05-05 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: WI

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX, The real XXXX XXXX validate that i am the original creditor. I attached my social security card # XXXX for identification verification purposes.I have the sole power and control over anything that involves MY CREDITOR because no credit can be created with me. I was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. Please understand that i attached my FTC REPORT # XXXX and I also attached an invoice for all the damages i received due to the violations that your company is guilty of. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, which is technically Identity Theft, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. Also I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. 
I demand that the following accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NY

Complaint narrative:
XXXX  has listed XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX accounts can be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Social Finance, Inc.
State: TX

Complaint narrative:
My debit card got stolen from my car and somebody went on a shopping spree after they hacked my PIN #. I called SoFi immediately after this and had my cards frozen / replaced. Even after multiple calls, a police report and evidence that I was not the person who made fraudulent purchases with my SoFi debit card, SoFi told me they think Im lying and refuse to reimburse me for the money I should be insured with under their banking name. 

Its obvious what happened, SoFi just doesnt want to give me my money that I worked hard to earn and had STOLEN fro me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I sent my schedule c in because I have an XXXX loan in my personal account. Now chase wants to cancel my account because of the loan. My account is frozen and I want it unfrozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs, Apple Card restricted my account usage, after speaking and confirming the charges were mine they removed the restrictions. After they removed the restriction I made a payment to be able to use the card again. Right after I made a payment, they restricted my account again. I called customer service and asked them why they did it the second time. I was told that they needed a TAX FORM 4506 T to be signed by me so they could review and remove the hold off the account. Since the account was restricted I asked for the payment to be cancelled so I could make a minimum payment. CC assured me that the payment was disputed and that I would get a check back shortly. I signed the for and sent it back to them but my account was under review permanently, so I asked for the payment, and each time I was lied to that the payment will be refunded shortly, another agent told me that it will not be refunded till after the review was completed. So every time I called I got a different answer at all the levels possible that I could speak to. 
The customer service is not relevant and one can never get an answer from them, just stories made up to their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear sir/madam My name is XXXX XXXXi have a checking account with chase.i got a XXXX  XXXX loan I'm a self employed.chase locked my account on XXXX stating that I need to provide my tax returns, a loan letter from XXXX and a Irs ein number.i did provided them all the documents and they opened my account and I used some money. But as on XXXX they have locked my account again saying that the ein needs to be before XX/XX/2020. According to law self employed don't need a EIN number to file taxes and to get XXXX  loan.i used my personal social security number when I applied for the XXXX loan.i got XXXX XXXX loan last year which was a higher amount into my same checking account .at that time chase didn't blocked my account and didn't send me any messages regarding EIN number.i f this is chase requirement than why wouldn't they ask me last year when I got my 1st loan from XXXX.i need a fair inquiry about my case. And if chase can't help me out than please send me a written letter explaining the reasons why my account was locked.you can contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I XXXX XXXX, The real XXXX XXXX validate that i am the original creditor. I attached my social security card # XXXX for identification verification purposes.I have the sole power and control over anything that involves MY CREDITOR because no credit can be created with me. I was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. Please understand that i attached my FTC REPORT # XXXX and I also attached an invoice for all the damages i received due to the violations that your company is guilty of. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, which is technically Identity Theft, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. Also I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX MO XXXX 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. 
I demand that the following accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NY

Complaint narrative:
XXXX  has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX  XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX  XXXX accounts can be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NY

Complaint narrative:
XXXX has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX  XXXX accounts can be removed from my credit history.

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 2021-05-05 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation