vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NC

Complaint narrative:
MY SQUARE ACCOUNT WAS DEACTIVATED ON XX/XX/XXXX after 8 months now they are not releasing my funds When I complaint here first time after that square deleted my account and when I call them they just tell me that they esclate the issue and the accounts services will get back to you in 2 days Now they are not giving any exact date of releasing the funds there not any ongoing disputes on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: FL

Complaint narrative:
My attached Experian report of XX/XX/2022 shows 2 accounts which have inaccurate payment and other data as no data has been reported since XXXX and XX/XX/2022. Both accounts are CLOSED and I have made more than 6 monthly payments on each account after furnished stop reporting to Experian. Both accounts are inaccurate as furnisher failed to report the accounts as CLOSED by XXXX. One account still is inaccurately reported as XXXX in willful violation of the FCRA. Since my credit report does not reflect at least 12 monthly payments since reporting was abandoned going back to XXXX, I dispute the data in my credit reports. Experian and furnisher knew the data is incomplete and inaccurate but grossly failed to comply with the FCRA obligations and prohibitions by allowing inaccurate and stale data to remain and failing to mark the accounts as CLOSED By CONSUMER. Once a furnisher stops reporting, there is a presumption of inaccuracy and abandonment of a right to report and every CRA must automatically DELETE stale reporting files. My accounts must be Deleted and in the interim reported as Disputed and Closed by consumer.

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 2022-12-30 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: CA

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated but how is that possible if Date Of Last Activity, Date Opened, Account Status, and Dispute Status are INACCURATE. This is grounds for REMOVAL. 

They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate.

FDCPA 807 ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 605 ( c ) - " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

They also took well over 30 days to investigate and respond to my written disputes within 30 days which violates FCRA Section 611 Part ( A ) ( 1 ) My certified tracking number for Transunion ( Delivered on XX/XX/2022 ) is XXXX. My certified Experian ( Delivered on XX/XX/2022 ) tracking number is XXXX and my XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX. 

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2022-12-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-30 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-30 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I used XXXX XXXX to attempt to sell a sports product for {$350.00}. A potential buyer with the XXXX  account of XXXX XXXX reached out to me on XXXX XXXX and offered to purchase the product. He indicated his cousin would pick it up in the XXXX  but that he would pay me immediately via zelle. I said ok and provided my email that's connected to my zelle account. 

I received an email from what looked to be from zelle that someone tried to send me {$350.00} but that I was unable to receive it because I did not have a business account. The email suggested I pay an additional {$300.00} to upgrade or have the sender guarantee it with {$300.00} to cover the upgrade. He proposed putting up the {$300.00} so long as I sent him via zelle the {$300.00} right back after. I received another email that this person had upgraded my account to business. I paid him {$300.00} via zelle to the following address : XXXX XXXX XXXX as provided by him. Then I looked for my $ $ $ but instead got another email from what looked like zelle that I needed to pay an additional {$200.00} to certify or insure the money. 

The scammer claimed zelle was trying to protect both buyer and seller and to do it right away. He then gave me what he called a zelle agent and provided a new address and name for where to send the additional {$200.00}, ( XXXX XXXX XXXX XXXX. He got very aggressive with me via XXXX  and claimed that I now had {$650.00} of his money on hold because I refused to pay for the certification. 

I called my bank and learned that Zelle doesn't require a business account, that it's a scam, but that they don't cover losses for zelle scams. They indicated the person already has the {$300.00} and they can't get it back. 

Obviously, no cousin ever showed up to pick up the product and the {$650.00} never came to me. The scammer then went silent on XXXX  but the messages and his profile or purported profile remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had a previous complaint for the same company XXXX. The issue has NOT been fully resolved. When I log into my account on their app it says the current amount due is {$0.00}. However when I look at the paper statement it says XXXX different amounts. It says my regular payment of {$320.00} then below it says current amount due {$290.00}. They have several XXXX XXXX XXXX XXXX links that show a phone number to call but you can not reach a human. You literally have to send an online message, then wait for a response from them telling you to call a different number with an extension. It is completely inconvenient when I'm getting incorrect info from all areas. This company is a joke. It seems they are providing incorrect info so they can charge people fees and make their money that way.

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 2022-12-30 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: AR

Complaint narrative:
On XX/XX/22 I attempted to make a purchase from XXXX. I received a text message from Aspire asking if I authorized this transaction which I replied " Y ''. My payment declined so I reached out to the issuer. They said a temporary suspension was placed on my account to prevent fraud and had me verify my recent transactions to remove suspension. I did and suspension was removed but my card kept getting declined with XXXX. I reached back out to the issuer and was then told some transactions are systematically flagged and to try my card with a different merchant. I told them I was not interested in using the card somewhere else, that I had already approved this transaction several times now ( from the first text and through their chats with agents ) and they need to unflag this transaction I authorized. They told me there was nothing they could do but to use a different card with XXXX  or use my Aspire card with a different merchant. They verified I have available funds, but are restricting where I am able to use my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
I applied for this card. Services were never authorized or accepted. The card was fraudulently activated the company says. 

I have never used or activated this service. The company file a late payment to my credit bureau for an ever increasing amount. 
I have spent over three hours on several phone calls with the company. I have even been assured that the balance was settled and account was closed. Still, my credit score was damaged for false late fees. The company now wants {$90.00} for services never provided or accepted.

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 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MO

Complaint narrative:
I was the victim of an elaborate XXXX  XXXX  scam that started on XXXX XXXX of 2021. I hired an investigator who helped me track down my funds after I discovered it was a scam and they found that the scammers were keeping my funds in a Binance wallet. I tried to provide the information that Binance.com requested after I told them that I was scammed on Friday, XX/XX/XXXX ( today ) but they said that it was insufficient even though it shows the wallets that I sent money to ( the scammers ) and if you look at the XXXX, it gives the transactional details and shows the accounts where my funds are located. I asked them what they would do with the information that I provided, and they said they would not provide me a refund without a request from the police, even though they are still responsible for allowing criminals to commit crimes through their platform. Cryptocurrency platforms are obligated to abide by the Anti-Money Laundering Act just like other financial institutions. I lost {$19000.00} to the sophisticated scammers altogether and they need to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My attached XXXX report of XX/XX/2022 shows 2 accounts which have inaccurate payment and other data as no data has been reported since XXXX and XX/XX/2022. Both accounts are CLOSED and I have made more than 6 monthly payments on each account after furnished stop reporting to XXXX. Both accounts are inaccurate as furnisher failed to report the accounts as CLOSED by Consumer. One account still is inaccurately reported as XXXX in willful violation of the FCRA. Since my credit report does not reflect at least 12 monthly payments since reporting was abandoned going back to XXXX, I dispute the data in my credit reports. XXXX and furnisher knew the data is incomplete and inaccurate but grossly failed to comply with the FCRA obligations and prohibitions by allowing inaccurate and stale data to remain and failing to mark the accounts as CLOSED By CONSUMER. Once a furnisher stops reporting, there is a presumption of inaccuracy and abandonment of a right to report and every CRA must automatically DELETE stale reporting files. My accounts must be Deleted and in the interim reported as Disputed and Closed by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NC

Complaint narrative:
Received notification from collection agency advising that debt was owed by me. This company did not verify or validate the debt belonged to me. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
For a Comenity Jared store credit card account XXXX I received my statement for the month of XXXX. It states on the statement " WARNING : XXXX XXXX Ending SOON! YOU MUST PAY THE BALANCE {$870.00} OF YOUR PLAN XXXX XXXX XXXX INT XXXX XXXX IN FULL BY XX/XX/XXXX TO AVOID PAYING ACCRUED INTEREST CHARGES '' On XX/XX/XXXX my payment of {$870.00} was posted per an XXXX statement I received from Comenity ( and confirmed via phone call ). 

I have been receiving statements from Comenity ever since despite paying the balance they provided in XXXX. I have spent a large amount of time on the phone with them, speaking to their representitives in customer service whom I presume are overseas to no avail. I was hung up on after being on hold for about 45 minutes. Upon calling back I was again questioned and had to go over the entire situation again prior to being reconnected to the line where I was previously waiting for a senior account specialist.

Upon speaking to the senior account specialist he stated that I was still receiving statements because I did not pay the " minimum payment due '' on my XXXX statement which was in the amount of XXXX. He said he would create a case and submit it, but it would be unlikely to resolve in my favor. 

I told him I would pay the {$290.00}, but I can not pay any of these supposed " interest charges '' as that was not a part of the promotional plan and was my sole reason for choosing Jared to purchase an engagement ring. It is not made clear on any part of my paper statement that the " minimum balance due '' also needs to be paid. Logic would assume that the {$290.00} is included in the {$870.00}. 

There should have never been further attempt to collect any " debt '' as the {$870.00} has been paid on time, but I have received statements every month. I unfortunately assumed there was just a delay between promotional departments and their collections department. 

Every good faith effort by me to take care of this issue has been met with resistance and an attitude of ambivalence and disregard by Comenity staff. Which is why I have resorted to making this report. 

My case number with Comenity can be provided if necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Square merchant services ; XXXX XXXX XXXX XXXX was closed on XX/XX/2022 for non compliance activities which were not clear to me. Funds in excess of {$1800.00} was held up in my account and was supposed to be held between XXXX days. On XX/XX/XXXX, an aggrieved customer disputed a transaction of {$740.00} which after submitting documents to support the transaction, it was ruled in my favor by the disputing bank. After this clear satisfaction, I have asked Square to release this funds as there is no justification for a continuing hold unless there are trying to trade with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: IL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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