vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: WI

Complaint narrative:
XXXX XXXX I did a purchase for XXXX for XXXX through cash app XXXX went back in and updated my payment method on XX/XX/2023 my remainder balance never went back to my card of XXXX after XXXX updated my transaction so I called and talk to multiple supervisor one told me to call on XXXX XXXX so my 7 day hold could be dropped because that was the 7 day period I call yesterday they tell me to call back on XXXX XXXX now I be emailing support at cash app because today was the day I supposed to called as I email cash app today XXXX XXXX at XXXX pm I wrote So why is no one replying to my cash support email? I wrote in there over 3 hours ago Cash app manager XXXX wrote back at XXXX XXXX saying Hi XXXX, We have provided as much information as possible to help you resolve your issue. Were unable to provide additional support and will be closing your case. 

To contact Cash App Support in the future, tap the profile icon on your Cash App home screen and select Support. 

Best Regards, XXXX Cash App Support Manager They closing my case and it never got resolved also on XXXX XXXX XXXX XXXX XXXX words were If the pending payment has not dropped off or completed within 7 days, let us know and we can take a closer look. However, right now we are waiting for this payment to finish processing. 
But when I reached out today XXXX XXXX XXXX stated Were unable to provide additional support and will be closing your case. 

To contact Cash App Support in the future, tap the profile icon on your Cash App home screen and select Support. 

Best Regards, XXXX Cash App Support Manager Without even seeing where my money is and no explanations I had XXXX of cash app workers hang up in my face because Im asking them where is my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion reported error on my credit report stating I'm in a XXXX  XXXX am I'm not i reached out and they wouldn't change it on my credit report now it show derogatory

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 2023-03-25 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: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InvestiNet LLC
State: RI

Complaint narrative:
I received a letter today stating I owe {$3300.00} from a company called XXXX XXXX XXXX XXXX in XXXX, South Carolina on XX/XX/XXXX. Its impossible i never went to XXXX, Sc in XX/XX/XXXX, the last time I was in south Carolina was back in XXXX and never made any outstanding bills from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MD

Complaint narrative:
Equifax is reporting inaccurate information intentionally after being made aware of errors. 
I have made them aware on multiple occasions that bankruptcy is excluded from a consumer report. 
Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report.

I have made them aware on multiple occasions that bankruptcies can not be verified nor validated. 
Per the FCRA, if the Credit reporting agency can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the U.S. Bankruptcy Courts. The U.S. Bankruptcy Court gave me a letter, which I have attached for your review, stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
XXXX has also confirmed that the bankruptcy information is unverifiable, and recorded as such in their system, yet Equifax is knowingly reporting this unverified information as if it were verified- that by law they are not supposed to report in the first place- to ruin my financial/credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: FL

Complaint narrative:
On XXXX XX/XX/2023 an unauthorized inquiry was made to my credit report from XXXX XXXX XXXX XXXX  that I didnt authorize. I called TransUnion to resolve this issue and they wouldnt help me get it resolved so now Im filing a complaint to remove this inquiry ASAP. 
Transunion XXXX XXXX  XXXX, XXXX, PA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a credit report email from my bank account, so I found out that on XX/XX/XXXX I had a new credit card account open in Bank of America, which I never did. So I reported it. Now I will call them too.

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 2023-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I visited the ER at Blue Diamond, a subdivision of XXXX XXXX XXXX in XXXX XXXX, Nevada on XX/XX/2021. I paid out of pocket with my own money over a XXXX dollars however my insurance XXXX ended up covering my entire bill for me a month after my visit. I have the explanation of benefits for this medical visit as well. I was never notified that this company sent my bill to collections and because of this my credit has dropped some points and I just found out that i had a bill in collections literally two days ago. I contacted both the hospital and was told that I was lying about paying it when they have literally already received money from my insurance and I have actual proof. I also contacted XXXX which is their collection agency and they are being very non-compliant and making me jump through hoops to get this removed when this is a filing error on their part. I need something done because this hospital notoriously over charges people and wants to take advantage of my credit and money when they have already been paid. My credit is very important to me and its not fair that my score is lower now because of them especially when I plan on taking out loans to pay for a home and schooling this next year or so.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, I froze my credit file with Experian Credit Bureau, and in XX/XX/XXXX, I attempted to create a free online account on their website in order to manage my credit file and temporary unfreeze it for a purchase. However, I was unable to create the account for some reason. I attempted to create the account several times afterward, but it still didn't work. 

Experian Credit Bureau wdbsite instructed me to call them to resolve the issue, but the phone number they provided and all the other numbers I could find online were answered by the same robot which refused to connect me to a real person or representative. I sent three letters ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to Experian Credit Bureau, requesting assistance, but 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 2023-03-25 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: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2023-03-25 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:
hello I XXXX XXXX is not a third party is depressed because transunion and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent transunion and XXXX my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with transunion and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.

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 2023-03-25 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:
hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The bank issued a credit for an online order which was placed and there was a problem with the order. At the time when the items were supposed to be delivered, the online account had an issue with the login and the email address because of identity theft issues in the past. Regardless that the items were not delivered, and the credit was processed on an old checking account, one of the bankers went ahead and reversed the credit amount. The date that was given in the most recent email from Chase was XX/XX/2023 and I was told that the bank and the merchant have resolved this issue and it is none of my business now. The reversed credit for items not received is not an accurate representation of what was or not delivered as a service for online shopping. After speaking with customer service today, the actual receipt and the problems with delivery are clearly noted by the XXXX XXXX. However, the amount which has been deducted from not the same checking, but a completely separate checking account differs from the final receipt. I have been billed and rebilled for more than the items which were delivered on my membership purchases. I am attaching the actual receipt and also a copy of the transaction the bank has charged me for twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I dispute your reporting of an alleged debt on my credit report. I deny the date of the alleged debt, and I am not admitting to it. Additionally, you are re-aging the debt on my credit report, and your accounting of the alleged debt is inaccurate. 

The alleged debt was sold to a third party and I successfully defended myself in court against the third party for lack of assignment and inaccurate accounting. Additionally, the statute of limitations ( SOL ) has passed, and the debt is no longer legally enforceable. 

Your continued reporting of the alleged debt is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my creditworthiness. The FCRA prohibits the reporting of inaccurate information and requires that accurate information be promptly updated or deleted. 

I demand that you immediately cease reporting the alleged debt on my credit report and remove any inaccurate or incomplete information associated with the debt. If you can not provide proof of the alleged debt or the accuracy of your reporting, I demand that you remove the account entirely. 

I also demand that you cease all communication with me and third parties. 

See 15 U.S. Code 1681 ; 15 U.S. Code 1681c ; 15 U.S. Code 1681s-2

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 2023-03-25 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: CA

Complaint narrative:
I AM LOOKING FOR SOME HELP GETTING ITEMS THAT APPEAR ON MY CREDIT REPORT REMOVED DUE TO FRAUD.

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 2023-03-25 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: CA

Complaint narrative:
I AM LOOKING FOR SOME HELP GETTING ITEMS THAT APPEAR ON MY CREDIT REPORT REMOVED DUE TO FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: IN

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX from XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have sent several dispute letters to the creditor asking proof and validation of the debt reported on my credit bureaus and no evidence has been provided. 
Tacking information of Certify mails are the following. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 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: CA

Complaint narrative:
I AM LOOKING FOR SOME HELP GETTING ITEMS THAT APPEAR ON MY CREDIT REPORT REMOVED DUE TO FRAUD.

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 2023-03-25 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JPMCB CARD Fraudulent pulled a credit inquiry on XX/XX/2022 that i did no know about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
A collection agent ( female ) identifying herself with XXXX XXXXXXXX XXXX  XXXX is calling on behalf of an Indigo CB for a debt that she claims I/we owe of {$25000.00}. She threatened to call the authorities and is using tactics that are below the belt ( " you and your wife are fraud and will be in prison for the rest of your life. '' ) Every-time I tried to pass my attorney 's information to her, she'd hang up. She'd purposefully not want to hear it. I did see that she was calling from a cell phone so I texted it to her instead, hoping she does get it. 

The numbers she's called me on are : XXXX and XXXX I've never heard of XXXX XXXXXXXX XXXX XXXXXXXX nor have I heard of Indigo. She asked me about our business- to which I answered it's been going slow, but I wasn't sure who she was at first. She excoriates the person who she's on the phone with. I understand collections is a tough job but she doesn't let anyone get a word in edgewise, doesn't answer my calls back, threatens to have the cops over today to arrest me, and yells on the phone. Beyond that, her remarks are beyond harassment, I've never been talked to with such offensive language used towards me in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Debt was transfered from one servicer to another and late payments due to deferment information not being sent to correct address because I moved to a different state still shows on new creditor

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