vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've sent in multiple disputes to Experian regarding account requesting in compliance with this method of investigation request, to provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

After 4 attempts XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. A Copy of the letters are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Sent a debt validation and verification letter to the XXXX main credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE BANK USA N IS REPORTING FRAUDULENTLY ONMY CREDIT REPORT. THE CHARGES ARE FRAUDULENT THEY WERE NEVER DONE BY ME. I HAVE NEVER AUTHORIZED THE CHARGES. I HAVE REACHED OUT TO THE CREDITOR AND TO THE BUREAUS TO HAVE THE ITEM REMOVED FROM MY CREDIT REPORT. 

PLEASE NOTE THE CAPITAL ONE BANK USA ACCOUNT IS FRAUDULENT AND THE CHARGES ARE FRAUDULENT. 
I HAVE REPORTED THIS TO THE LAW ENFORCEMENT AGENCY TO THE FAIR TRADE COMMISSION. NOT SURE WHO ELSE I CAN CONTACT TO HAVE THE FRAUDULENT ITEM REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This account is way older than this Portfolio Recovery says it is the last payment made was long before they state and they keep moving date up to make it look as though the account is still open and its not it was charged off there and XXXX XXXX XXXX  accounts that the date of last payment recieved by them is longer than 7 years ago so this should be long gone from my credit report Im already getting new credit from XXXX XXXX  thats how old it is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: MS

Complaint narrative:
I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 

The following accounts are fraudulent : XXXX. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Great American Finance Co
State: IN

Complaint narrative:
After my first complaint, XXXX ( Legal Manager ) from Great American Finance contacted me and tried to brush off the complaint. She let it slip that others are having just as much difficulty as I am understanding the account portal. I am still under the belief that they are violating 1026.7 Comment 7 ( b ) -1.ii of the truth in lending act regulation z. The account balances in the account portal are those with interest rates. I am on a deferred interest plan. Per the regulation above they must list the balance that the deferred interest is applied to. I, among others have submitted complaints against this company. I asked XXXX for statements. She said no. I asked for new coupon book, she refused. I asked for updated portal, the portal is still not updated. my 18th month is coming up and i should not have to over pay and get a refund 30 days later just because they don't want to list the deferred interest balance. How is this legally allowed to continue. I was told by CFPB that I since I refuse to accept their answer of not updating portal in timely manner, I can just keep making complaints. That is fine with me. If they are committing an illegal action above, I want them investigated. I attached what the portal looks like for me. The balance includes interest rates that I don't owe but there is a fine print statement that says the balance is accurate as long as good faith payments are made. That is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: MS

Complaint narrative:
I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 

The following accounts are fraudulent : 1. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 4. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 

5. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report 6. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
HELLO, PAYPAL TOLD ME THAT MY ACCOUNT IS READY FOR WITHDRAW MY FUNDS BUT THE SYSTEM JUST PLACE ANOTHER LIMITATION IN MY ACCOUNT AND BLOCKED ME THE OPTION FOR GET MY MONEY. 
THIS LIMITATION IS ASK ME ABOUT BUSSNEES DOCUMENT. 
I REPORTED THAT I NEVER HAD BUSSINESS ACCOUNT WITH PAYPAL, I DONT KNOW WHY IS ASK ME FOR DOCUMENT, MY ACCOUNT IS PERSONAL, AND IT WAS ALREDY LIMITED PERMANENT. 
I WOULD LIKE GET HELP FOR RESOLVE THE PROBLEM. 

MY EMAIL IS XXXX PayPal account. ( Ref ID XXXX ) THE LAST ONE ( Id. de XXXX : XXXX ) You can no longer do business with PayPal ( Ref ID XXXX XXXX ) YOU SHOULD FIX YOUR SYSTEM, IF THE ACCOUNT IS PEMANENT LIMITE, WHY STILL ADD MORE LIMITATION IN THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This just happened recently, just XXXX weeks ago, on XX/XX/2022. A server came to my house. I wasn't the one who physically opened the door ; my sister n law she walked into my room and handed me a summons. I hadn't used this credit card in years ; once I read it, the information on the summons was incorrect following improper serving when the server didn't physically hand me the summons in my possession ; I've already gone to court for this about XXXX years ago, and admitted guilty now apparently, I have to get this mediation for this. States I owe XXXX for capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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:
The banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( 1 ). As a result of your carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow you to furnish a report on my behalf. As a result, I'd like to officially terminate all business and services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WA

Complaint narrative:
I am the owner of XXXX and XXXX XXXX XXXX in XXXX, WA. As part of our provided services, we offer massage treatments with CBD oils and pain creams. We follow all state laws and regulations with these services ( i.e. 0 % THC ). I have used Square as our payment processor since opening the business in XXXX, XXXX. Square recently introduced a program, which approves business owners to sell CBD products through them as the credit card processer. Because we offer treatments with CBD and also sell a CBD skincare line in our boutique, I applied for this program. This would allow us to also sell our products through our website ( online store ). I completed the application in early XXXX, XXXX. Since applying for this program, they have asked me for additional information several times. I have provided all the information requested every time. They continue to email me requesting more info. I have called, emailed, and chatted with their customer service agents more than 10 times. Each time, they say they will send my issue to other customer service agents who can help me. I have received NOTHING in response to my issues. 

Meanwhile, they have suspended all my funds processed by square for the past six weeks ( more at this point ). I have almost {$3000.00} suspended, which is really hurting my business and being able to pay for my business expenses ( including employee wages ). I have nothing more to give them. 

I have requested to exit the CBD program over and over, and they continue to email me saying that I can not exit the program until I provide more information. They also have a check box that you must agree to not sell CBD products through any other credit card processor if the application is not approved. I have never been approved for the program, and they also won't let me exit the program. They are also dictating what my business can sell even if I don't use them as a processor. They are threatening to deactivate my account and keep all of my funds if I continue to sell CBD products. This is ridiculous! I would think I can sell whatever I want as long as it complies with laws in my state. I will use another processor if Square will not allow me. But they are saying that they will completely deactivate my account ( losing all of my data and over $ 17K in gift card purchases over the past 18 months that still must be redeemed!!! ). This will bankrupt me. 

This is not right. This is hurting me and my business. It's taking time from my family and work life. I have spent hours dealing with this issue and no one is helping me. No one responds. They refuse to provide any contact info for the supposed customer service agents that they keep transferring me to. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I tried to have it resolved but I have know idea about this account or know of it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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:
The banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( 1 ). As a result of your carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow you to furnish a report on my behalf. As a result, I'd like to officially terminate all business and services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
The banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( XXXX ). As a result of your carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow you to furnish a report on my behalf. As a result, I'd like to officially terminate all business and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: CA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: CA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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