vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-14 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
A hard inquiry was made on my credit report that I do not recall authorizing, and to my knowledge, I did not apply for credit with your company at that time. Under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 604 ( a ), a company must have a permissible purpose and my explicit consent to access my credit report.

I am formally requesting the following actions to be taken : Provide proof of permissible purpose under FCRA 604 for conducting this hard inquiry. This includes providing documentation such as a signed application or other verifiable proof of my explicit consent for this inquiry.

If such documentation can not be provided, I request that this inquiry be immediately removed from my credit report, as it would otherwise be considered unauthorized under the FCRA.

Why it matters : Hard inquiries negatively affect a consumer 's credit score. If this inquiry was made without proper authorization, it is an unjustified action that violates my rights under the FCRA.

Timeline and Next Steps : This hard inquiry is scheduled to remain on my credit report for two years. Failure to provide documentation or remove the inquiry will leave me no choice but to escalate this matter, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for a violation of my rights under federal law.

Please provide written confirmation of the actions taken within 30 days, as required under FCRA 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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.
State: CA

Complaint narrative:
CFPB My name is XXXX XXXX and I am a customer of Square with email address XXXX I want to bring to your reputable attention that square is running a bad business full of criminality and holding of customer funds for years without refunding customers upon account closure. 

This is a breach of agreement from square, and their company needs to be shut down for such violations on how they treat customers as I believe that I am not the only one Square us doing this to On multiple occasions, I reached out to Square to escalate this issue for a resolution, but I never received any information. 

Please note that I have 100 % legal ownership of my business and I am entitled to my funds on my square account. 

I had continued to follow up but I have never received any resolution since XXXX  and this ongoing lack of resolution from Square is unacceptable.

And because of this, I am requesting XXXX assistance in resolving this matter as square keeps saying that they are not able to provide any information. The is unacceptable. 

I am attaching documents showing the balance I have on my Square in the amount of {$4400.00} which I have not been able to withdraw to my bank account since XXXX that Square closed my account. 

I do not have any pending dispute which could warrant square from holding my funds. 

I am also attaching a document showing that the last dispute I had on the account was finalized on XX/XX/year>. 

I am also attaching another screenshot proof showing the last day I did a transaction on my Square account which was on Wednesday XX/XX/year>. 

You could see that since XX/XX/year> after my Square account was deactivated, square has decided to withhold my funds for over 2 years now without releasing to me and without any justifiable reasons. 

I have 100 % legal ownership of my business and the funds I got into my square account on my name and I need my money released to me. 

Square is fraud and they are thieves.

I need Square to make my money available and remove the hold they placed on my funds since XX/XX/year>. 

Square recently told me that the reason they are holding my funds is because they are putting my money in reserve to cover chargeback. I will attach where they said so. 

They are thieves and their license should be revoked because I do not have my chargeback on my account and there is no open dispute since XXXXXXXX so why are they lying and holding my funds for over 2 years now? 

Please revoke their license because they are running a criminal organization. 

I will attach a response where square said they are putting my funds in reserve to cover chargeback. I do not have any chargeback on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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.
State: MD

Complaint narrative:
My business uses Square ( owned and operated by Block , Inc. ) to process credit card and online sales. In XX/XX/year>, Square wrongfully froze he finds in our accounts, which came from customer transactions processed via Square. Square requested compliance information from my company, which we immediately provided. Square promised a response within 2 business days. Despite this, Square held my company 's funds for more than one month, without explanation and without further communication. I sent multiple emails and used the support chat function, and received no response or explanation from Square. This appears to be a standard business practice for Square, and is a violation of its terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX balance {$400.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00}, and XXXX XXXX balance {$18.00}. Along with these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon examining my latest credit report, I found several accounts that I did not consent to, and they appear to be fraudulent. I request their immediate removal and blocking.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HALLMARK HOME MORTGAGE LLC
State: IN

Complaint narrative:
Under 15 U.S.C. 1692C, they have unlawfully communicated with me in violation of my rights. 
And I never gave them consent to run my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LUKE, JOHNSON & LEWIS LLC
State: SC

Complaint narrative:
I have received information regarding a debt that is being claimed against me. Through my rights due to 15 U.S. Code s1692, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within 30 days period allotted me under federal law.

If it is no evidence of this debt under my name then I demand it be gone or a compliant will be made to the local and federal agency.

Furthermore, I request that you cease and desist any future telephone communication shall be considered harassment in violation of 15 U.S. Code s1692 and shall be subject to federal and state penalties. 
I appreciate your efforts in this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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:
Hello and good day, please take this complaint seriously as this has caused me undue stress and XXXX  because I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Experian. I have sent in this report but this fraudulent item still remain.

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 2024-10-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found some inaccuracies on my credit report under 15 USC 16c-2. The inquiries mentioned were not authorized by me and are negatively affecting my credit. Please remove these unauthorized hard inquiries. Thank you!

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 2024-10-14 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: VA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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 2024-10-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: PA

Complaint narrative:
To my disbelief, inaccurate accounts appeared on my credit report out of nowhere today, and I can't understand why. Ive been diligent about checking my report, and suddenly, these discrepancies popped up. I thought maybe it was a browser issue, so I refreshed it, but nothing changed. Im beyond frustrated and need the documents Ive submitted to be properly reviewed, so this kind of mistake never causes me stress again.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXXXXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: NV

Complaint narrative:
I have not taken a school loan out ever. Whoever did either stolen my information or a very misfortune mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello and good day, please take this complaint seriously as this has caused me undue stress and XXXX  because I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Equifax. I have sent in this report but this fraudulent item still remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH
BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-14 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: VA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: WA

Complaint narrative:
This is part-2 of my Initial complaint for this credit card 'FIRST PROGRESS '. This is a secured credit card, meaning I had to fund this credit card with my own money when I first opened it over 5 years ago. This has helped me build my credit score to good standing. But it seems every 1-2 months something is going on with my account and either needs further investigating or causes a scenario where I can not use the card, nor pay my bill. 

And what does this do to a regular consumer like myself? - Well, when roadblocks are setup to hinder me from using this card or paying it off ( I pay 100 % every month ) and they continue to report this type of activity to the credit bureaus every month I get hit with negative points, this causes less of a credit score, shows misrepresentations of me actually paying my bill, and alters the activity on the card itself. 

I am only using the card every month, then paying it off at the end. Like you are supposed to. 

I am now receiving a random letter from no-where that is saying they need a copy of my bank statement to confirm the bank I am using to pay this card every month. While my whole account is on 'HOLD ' where i can not pay or use the card. My complaint is that I have never switched what bank I pay off this card with every month. Nothing has changed, and now I am receiving a letter that is threatening in nature and says if I don't come up with this they will close my account? This makes no sense. 

I have already previously verified and sent in bank statements that prove this is my other bank account a long time ago when I first signed up for the card, then when I added more funds to the card years ago to increase my limit ( again, my own money ). All of these delays and tactics are very disheartening and I can not believe I am the only one dealing with this company in the manner that I have. They have hung up on me, when I drill them for an answer on why this or that is happening on my account. All to never give me a solid answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: MS

Complaint narrative:
SENT DISPUTES OUT WEEKS AGO, DISPUTING THE ACCURACY OF ACCOUNTS REPORTING ON MY CONSUMER REPORT. THEY DID NOT GET DELETED. THE ACCOUNTS BEING DISPUUTED HAVE SEVERAL INACCURACIES AND MUST BE DELTED UNDER THE FCRA. UNVERIFIED, INACCURATE ACCOUNTS CAN NOT BE REPORTED ON A CONSUMER REPORT. AFTER YOUR REINVESTIGATION, DELETE AND BLOCK THESE ACCOUNTS THAT ARE REPORTING THE INFORMATION THAT IM DISPUTING. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I ALSO AN ACCOUNT THAT IS REPORTING LATE PAYMENTS IN THE PAYMENT HISTORY. THE ACCOUNT IS CREDIT ACCEPTANCE. I HAVE NOT BEEN LATE ON ANY PAYMENTS. YOU HAVE 30 DAYS TO SEND ME VERIFIEABLE PROOF THAT I WAS LATE. IF YOU CANT SEND THE INFORMATION OR PROVIDE ORIGINAL DOCUMENTION PROVING I DIDNT MAKE THE PAYMENT, THE YOU ARE REQUIRED UNDER THE FCRA TO UPDATE ANY LATE PAYMENT IN THE PAYMENT HISTORY TO " : PAID ON TIME, CUURENT, PAID, NEVER LATE. ''

Company response to consumer: Closed with non-monetary relief