vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.

Complaint narrative:
I am writing to formally lodge a complaint against Square, a financial services company, regarding the sudden deactivation of my account and the withholding of funds without prior warning or adequate explanation. 

On XX/XX/2024, I received a notification from Square 's Account Services team stating that my account was deactivated and any funds in my account balance would be held for a period of 90 days. The notification further mentioned that the release of these funds is scheduled within two business days after XX/XX/2024, subject to potential changes based on factors such as additional chargebacks. 

I want to emphasize that I had communicated with Square, informing them of upcoming payments, and they were aware of the impending transactions. Despite this, the deactivation occurred without any prior warning or explanation, leading to significant disruptions in my financial operations. 

I would like to highlight also that I have diligently completed the account verification process and submitted all necessary documents for both myself and my business on two separate occasions, thereby ensuring compliance with all requirements set forth by Square.

Enclosed with this letter, please find a copy of the notification received from Square for your reference. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure a fair resolution, clear communication, and the timely release of my funds. I appreciate your attention to this urgent issue and look forward to a prompt investigation. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian closed 7 complaints all with different explanations bt all the same problem THE FTC is now requesting information and all these will be forwarded to 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: NH

Complaint narrative:
It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is Upstart the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see attached, document with proof of inaccurate information on my consumer report. I request that you promptly delete all late payments and inaccurate accounts and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. Per the FCRA, as a Federally Protected Consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
As a XXXX percent XXXX Veteran, I am tax Exempt for Municipal and state Homeowners taxes. This has been approved by My municipal government and all documentation sent to Freedom Mortgage. This exemption was also approved by Freedom Mortgage. I have sent documentation and correspondence of which I have proof of on the Freedom Mortgage website. Freedom Mortgage continues to make payments to the Municipal government which is an admitted error on their behalf. Instead of them fixing the error, they increase my payment and make me, the lender, seek the refund that was their mistake. This happened to me back in XX/XX/XXXX, XX/XX/XXXX and now again in XX/XX/XXXX. This has caused me great financial hardship as well as stress on my family. They offer no solutions or assistance. XXXX ID # XXXX as well as Customer Service rep 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 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I entered into a payment plan on XX/XX/15. Capital one offered a payment modification for my auto loan. I was told to make several smaller payments in a short amount of time to get the account caught up. I was relieved for the help and I have made the payments as indicated. Today, I was alerted to a delinquency for this loan and I was a bit confused. My wife and I called Capital One right away and found out that the arrangement they made has nothing to do with trying to keep the account from delinquency. They had a letter generated on the day of arrangement but cant share it with me so I cant confirm those details. In the first conversation in XXXX, it seemed as though the arrangement would protect us from delinquencies as long as the payments were made. If there was a possibility that it would be late over {$100.00} as reported today, I would have made that extra {$100.00} in the payments to keep it current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX, account number XXXX. I have no knowledge of this account and i have disputed it a number of times, ive asked them to validate this debt, and ask them to supply infomation on how they validate this item. doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This serves as my formal complaint to EQUIFAX. I am seeking the correction of late payment notations to accurately reflect my timely payments. I assert that the payments in question were made on schedule. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of late payments in my credit report is deemed a violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are hard requests on my consumer reports. That information was transferred, shared and, or sold without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/24 - I got a hard inquiry on my credit report from Wf Crd Svc ( XXXX ) XXXX. This is a fraudulent activity or identity theft On XX/XX/24 - I got another hard inquiry on my credit report from XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX. This is also a fraudulent activity or identity theft I have not been able to contact anyone at those banks since I am not a customer. I called XXXX and placed a freeze and fraud alert on my credit report.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I was alerted that my information was compromised in the XXXX Data Breach, Delete these off of my credit report immediately as I am a victim of the XXXX Data Breach.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX/ ACCOUNT Original creditor : SYNCHRONY BANK Balance : {$1100.00} Balance updated : XX/XX/year> OPENED : XX/XX/year> Debt Buyer Reporting late payments and inaccuracy that is NOT 100 % accurate. This account is illegal and in violation under 15 usc 1681i ( a ) ( b ). 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. THIS ACCOUNT IS NOT VALID OR HAVE ANY PERMISSIBLE PURPOSE 15 usc 1692g ( b ) and 15 usc 1692 ( 8 ) ( E ) ( J ) ( D ) ( 8 ). NOT VALID

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: NH

Complaint narrative:
It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is Kickoff Lending LLC the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see attached, document with proof of inaccurate information on my consumer report. I request that you promptly delete all late payments and inaccurate accounts and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. Per the FCRA, as a Federally Protected Consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This serves as my formal complaint to EXPERIAN. I am seeking the correction of late payment notations to accurately reflect my timely payments. I assert that the payments in question were made on schedule. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of late payments in my credit report is deemed a violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
One Main company continues to call personal phone and work phone about a debt I have no knowledge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX, account number XXXX. I have no knowledge of this account and i have disputed it a number of times, ive asked them to validate this debt, and ask them to supply infomation on how they validate this item. doesnt belong to me.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Year of XXXX  purchased a vehicle with Infiniti as the cobuyer, finance manager informed me my name would be taken off in 6 months, XXXX XXXX is the primary buyer, XXXX which is who the loan is with falsified my name as the primary owner because they could not find XXXX XXXX, they REPO the vehicle after it was stolen for 60 days, they did not contact me or XXXX XXXX to buy back, they waited 3 years to reach out and tell me i owe them around XXXX when they sold the vehicle and never given proof of sale or who they sold it too. This is all against the law, they been harrassing me making threats, reporting late payments on my credit when i do not even have the vehicle or loan with them. They first closed the account and reported it was resolved, then they sold the account to another creditor thats been harrassing me also making threats. Ive tried to resolve the issue by asking for proof but now its past the 3 year mark and they have to remove this off my credit. they are reporting late payments when they sold the vehicle on whatever date they sold it because again i do not even have that information. I reached out to XXXX XXXX and they have it on his credit too. So they are reporting late payments and also a debt on two persons credit, that is illegal in marland and they also did not contact XXXX XXXX about this. He has disputed it with XXXX and informed them that this is his loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: GA

Complaint narrative:
Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by ForexXXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I have been trying to request via email that they provided a monthly repayment plan since my financial situation has changed since I took out the loan. They are claiming I asked them for a cease and desist which I did not. I have repeatedly emailed them and received no response. I had a decrease in income and would like a monthly payment plan as once a month payment that would fit my current budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. [ XXXX XXXX Account Number : XXXX ] [ XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports 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 2024-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: E Mortgage Capital, Inc.
State: MO

Complaint narrative:
In XXXX XXXX I started the process of refinancing my mortgage debt consolidation knowing that my interest rate would go up. I explained the the mortgage expert several times, and was told over and over, my payment would be {$1800.00} and some change. When I got my first statement, I owed {$2300.00} and some change due to escrow charges such as insurance, taxes, etc. I was NEVER told that my payment would exceed {$1800.00}. I tried to call the company and after much time finally got a person. That was almost impossible. She explained that this is my payment every month for the life of my loan. I tried emailing the person who sold me this and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I submitted a complaint last year, XX/XX/XXXX requesting a resolution of this matter. The company responded : Company still working on your issue. It has been over six months and no resolution is in sight. Their response is dated XXXX under XXXX. If possible I am requesting the company to accept my settlement offer for {$1200.00} and to forward the title, lifting the current XXXX  of the property. Im aware of the companys notion that I forfeited the loan because I didnt want to pay which is untrue. The unforeseen circumstances of the deadly pandemic in XXXX  was the entire reason I could no longer make the payments. Placing consideration the loan is most likely written off, I am willing to settle and retrieve my title. At this time the company has made zero efforts at contacting me to discuss my options even after I submitted photos of the property damage which depreciated the value considerably.

Company response to consumer: Closed with explanation