vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have had a Square account for over XXXX years, which I have used for my business operations without any issues. On XX/XX/2023, without any prior warning or explanation, Square deactivated my account. This action has left {$800.00} inaccessible in my account. 
I have reached out to Square multiple times to understand the reason behind the deactivation and to resolve the issue, but I have not received any clear response or assistance. I have also requested to speak with supervisors, and while I was able to speak with one on one occasion, they did not provide any helpful information regarding the account deactivation. The others simply refuse to take my call, and the representatives proceed to disconnect the calls.

I find this situation completely unacceptable, as I have not violated any policies or engaged in any suspicious activities with my Square account. I have several accounts with Square, and this experience has left me extremely frustrated and disgusted with their lack of communication and assistance.

I believe that my funds should not be held hostage without a valid reason, and I request an urgent resolution to this matter. It is essential for me, as a business owner, to have access to my funds and to receive a clear explanation for the actions taken by Square.

Please investigate this issue promptly and ensure that I can regain access to my funds and continue using Square 's services without further disruptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: SC

Complaint narrative:
XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the U.S. Bankruptcy Court, which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the US BKPT SC XXXX which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

Equifax is reporting a bankruptcy on my credit report, and they have put in the data furnisher court as Federal which is false, I have attached a letter from the US Bankruptcy Court District of XXXX  XXXX  verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). Equifax is falsely stating this on my credit report and have yet to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: SC

Complaint narrative:
XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the U.S. Bankruptcy Court, which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX  verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

Experian is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the US BKPT SC XXXX which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). Experian is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher court as Federal which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX  verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from 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 explanation
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
I submitted a FTC report Fcra, 609 forms to XXXX, which they have not taken care of correctly.Fraud accounts I never used or owned because they were never mine they have not taken off. There are XXXXXXXX XXXX XXXX accounts and a XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXAlong with XXXX addresses on file that were never mine that I requested to be deleted and never were. The FTC report was delivered Tuesday XXXX XXXX I will attach a copy. I also called there fraud department at XXXX to let them know about the problem and nothing was ever resolved 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 2023-11-15 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: CA

Complaint narrative:
I submitted a FTC report Fcra, 609 forms to XXXX, which they have not taken care of correctly.Fraud accounts I never used or owned because they were never mine they have not taken off. There are XXXX XXXX XXXX accounts and a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXAlong with XXXX addresses on file that were never mine that I requested to be deleted and never were. The FTC report was delivered Tuesday XXXX XXXX I will attach a copy. I also called there fraud department at XXXX to let them know about the problem and nothing was ever resolved 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 2023-11-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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.

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 2023-11-15 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 a account without my written instructions 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 than records of convictions of crimes 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 a account without my written instructions 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 than records of convictions of crimes 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.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
There are several charge offs that are still on my account that needs to be removed permanently. 

Duty : A moral obligation Accurate : Correct in all details Prohibition : A law and regulation forbidding something As defined by the IRS Even if you didn't receive a tax 1099 c you must report cancelled debt and gross income The IRs clearly states a charge off as income, so the reporting of this account is inaccurate. Income does not get reported on a consumer report, which makes this report inaccurate. 

15 USC 1681 S-2 You are a furnisher of information to the reporting of this credit Bureau agencies . A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Therefore you are prohibited by law to furnish this information. I demand you cease and desist of this reporting. You are hereby put on notice that you have been reporting inaccurate information. 

15 US. Code section 1681 - 2, The responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after a notice and confirmation of errors, a person shall not furnish information relating to a consumer to any other consumer or any other 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 lender must file a 1099c and provide you a copy of the debt if the debt is more than {$600.00} and the lender is a federal institution, credit union, government agency.

Please send me a copy of the 1099c that they should of sent when they filed as cancelled debt. 

In conclusion, you are hereby notified and i have clearly shown the inaccuracies. This inaccurate reporting has caused harm to my family and a tremendous financial loss as I am unable to move on wit my life a life and livelihood while this reporting is blocking my growth. 

You have 10 calendrer days to remove these inaccuracies from my credit reports.

Again this is in regards to all charge offs You have listed as a charge off and as a charge off it should be a 1099 fee. If there was never sent a 1099 fee so then XXXX XXXX is trying to double dip because they are still trying to collect from me at the same time when they already received their money from the government as a charge off.

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 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CO

Complaint narrative:
Not my accoun, identitify theft victim. Stolen card an phone. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
On numerous occasions portfolio recovery has called me ( repeatedly like numerous times daily ) saying I owe them money and if I don't pay they will file a lawsuit against me as well as threatening jail time towards me. I have mailed a few letters to them since they said I ca dispute by mail and in my letters I ask for the original creditors that I owe along with amounts due but I never get anything in the mail! Just more phone calls and then I recently received a sketchy paper in the mail saying I will be sued from them. I've been trying to fight with companies as I believe my identity had been used for a few things but this portfolio recovery company is absolutely horrible! Mind you, this specified company has a ton of lawsuits against them already for threats made against tons of people and have been ordered to cease and desist numerous times, they wont stop! 
These threats need to stop please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I've never had an account with this company or XXXX XXXX who they're holding debt for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX hasn't done any investigation and has hurt my credit file keeping me from purchasing a home, because if a low XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My cell phone had been taken in the early morning hours or XX/XX/2023. Later that same morning my brother came by to let me know he had sent a transfer to me via XXXX XXXX. I dont have an extensive history in using XXXX XXXX  but my brother had helped me set it up and I knew I would receive the payments into my Capital One account automatically. Upon his leaving I began getting ready to head to work when I noticed my phone and wallet were missing. I went in to work a bit stressed at having neither of the items. I get to work and log into the Capital one site, only to see that what should have been a balance of {$1300.00} had in the course of a couple hours was showing a balance of NEGATIVE {$3600.00}! 

I got light headed and dig deeper into the transactions. I those couple of hours the person who had possession and control of my device had XXXX {$190.00} transactions to XXXX XXXX and XXXX {$190.00} transactions to XXXX XXXX, then processed to shuffle the money through various Third Party XXXX apps. In XXXX case even using my stolen identification to open accounts in my name to shuffle this money back and forth to create one of the most confusing digital trails Id ever seen. Lin a few instances even moving money back into my Capital One account then back out and even used the mobile app to pay my Capital One Credit card bill. At no time did internal bank controls block these transactions or notify me.

Capital One should make me while under the EFTA as I was defrauded. They will not.

Please help as I am only 1 person bs large bank who think they do t have to follow the law.

I am in dire financial straits as they not only want ME to bet this overdraft but have reversed LEGITIMATE transactions I made and never one of this aforementioned {$190.00} FRAUDULENT charges. This has made me have to not only repay merchants but also late fees and return payment fees. I followed Capital Ones dispute process only to have them deny my claim and provide me with a 1/2 page PDF document saying they were denying the claim.

I sit here tonite awaiting the reply to the rebuttal I had made to the first dispute. I must tell you that my hopes are not high. They dont want to admit that their internal controls failed me. And that they failed me. 

Please help me in forcing their hand into doing what is just and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It has been more than 60 days since I have mailed off a dispute regarding some accounts that are on my consumer reports and I have yet to receive a response from these companies which makes me wonder if they are even doing their job as described by the law. In my dispute is gave these agencies instructions to opt me out of reporting the following nonpublic information from my consumer reports. The accounts are ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Pursuant to 15 U.S. Code 6802 I am revoking any and all authorization I may have given you regarding the reporting of these accounts. This pertains to my right to privacy as a federally protected consumer and I am requesting that this information gets removed immediately as I do not want it there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 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 than records of convictions of crimes which antedates the report by more than XXXX 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.

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 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
On XXXX XXXX XXXX  I sent a bank wire transfer from my business account held with www.relayfi.com to my personal account held at XXXX When the money wasnt credited to my XXXX account on XX/XX/XXXX, I reached out to XXXX and was informed that due to a recent banking partner change those funds are now with XXXX 's old banking partner XXXX XXXX and trust and that i needd to contact Relay for them to issue a wire recall so the funds can get back to my Relay account. I immediately recahed out to Relay and requested a wire recall while speaking with ccustomer care rep XXXX. 

On XX/XX/XXXX, I was provided with a wire recall confimration number of XXXX by Relay and since that tiem i have called and emailed RELAY every day to get an update as the fudns are not back in my account. 

I recahed out to XXXX multiple times and they stated according to banking regulations it is up to RELAY to use the XXXX service to follow up on the recall and make sure it is credited back to my account as the money is currently sitting with XXXX 's old banking partner Evolve bank and this is a bank to bank process using fedwire and there is nothing I can do about it on my end. 

Relay ha sbeen an absolute disaster as they do not seem to have nay knowledge of how to get this done and my money is missing. As a small business owner it is extremely difficult to ddeaal with this situations as i have unpaid bills piling up incurring late fees and interest charges. Relay simply has failed to perform their fiduciary responsibilites as a custodian of my assets and keeps giving me a run around

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation