vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a square user with email address XXXX On XX/XX/XXXX, Square informed me that they could no longer continue processing payments for my business. 

They also informed me, in the same email, that deposits would be suspended and the release date and amount available for release were subject to change based on factors that include receiving additional chargebacks after the original notice of deactivation.

I know square Square is authorized to hold funds under sections 9, 12, 14, 19, and 36 of the Payment Terms.

In Section 12 specifically states, in pertinent part : We may defer payout or restrict access to your Proceeds if we need to conduct an investigation or resolve any pending dispute related to your use of the Services, or in accordance with our Terms.

b. Under Section 19 of the Payment Terms : ... if we reasonably believe that a Chargeback is likely with respect to any transaction, we may withhold the amount of the potential Chargeback from payments otherwise due to you until such time that ( a ) a Chargeback is assessed due to a customer complaint, in which case we will retain the funds, ( b ) the period of time under applicable law or regulation by which your customer may dispute that the transaction has expired, or ( c ) we determine that a Chargeback on the transaction will not occur. 


In my case, all the charges backs were completed and closed and the funds in my square account should be given to me because there is no additional since XXXX. 

As at the time writing this complaint, there are no chargebacks to determine that square has the right to put my funds on hold till this period.

Please note : I am not asking Square to still process payment for my business again. I am looking for the money that is in my square account. I am not asking Square to reactivate my account as I am not interested to use square again.

In the agreement of square with card networks, there is a stipulated time for disputes to be completed in which all disputes were completed in my account so there is no security concern attached to my case because I am not owing square. 

I need my money now to be made available for withdrawal. 

I have already complaint to square on the square website with case ID XXXX, but it seems the company has stolen my funds indefinitely because they always use the word " indefinitely ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: LA

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TN

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: TN

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. It is unacceptable that your bureau has reported these accounts without providing sufficient information to substantiate your authority. As a consumer, I have the right to accurate and verifiable information on my credit report, and the lack of such details raises serious concerns about the legitimacy of these accounts. I request that you immediately remove these accounts from my credit report if you are unable to provide comprehensive information supporting your bureau 's authority to include them. I also expect the results of your investigation within the mandated time frame. I demand a thorough investigation into the legitimacy of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove these fraudulent items on my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: IL

Complaint narrative:
By the provisions of the Fair CreditReporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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

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 2023-11-23 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX my XXXX file dropped from XXXX to XXXX an amount of XXXX points. When I read what happened on XXXX XXXX the reason was veg it did make any since the company is FNBO is used the card to buy breakfast but I paid the entire amount of in XXXX weeks, but this company reported negative on my file which made my score drop XXXX points. I will never used this company credit card every again, period! 

They also reported to XXXX which also had a negative effect, my score dropped XXXX points from XXXX to XXXX. 

I XXXX  in XXXX and this card credit limit was XXXX, it has dropped to XXXX and has never gone back up. They have asked me for my work history but other credit card company have provide me more credit. Like discover limit went from XXXX to XXXX, XXXX went from XXXX to XXXX and XXXX granted me another XXXX limited credit card, so overall have XXXX limited with XXXX. 

I never been late with FNBO I just thanks that they are an horrible company and it like im stuck with until I can get another credit card that has a higher limit.

As a comsumer I make and attempt to keep my credit under 10 % and I pay the entire amount every month I was showering my daughter but this happen which did make any since to me so I reporting them so XXXX will not be effective by this horrible company.

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 2023-11-23 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: OH

Complaint narrative:
I submitted documents to Experian stating that my accounts were compromised and used by someone pretending to be me and asked for the compromised accounts to be blocked I sent in a handwriting letter describing the facts police report and FTC reports staying which accounts were compromised and asked for the accounts to be blocked. Experian emailed me a a list of frivolous potential reasons why the accounts weren't blocked when in fact the list of reasons were totally bogus. Experian instead disputed the accounts as identity theft and now I have tons of useless mail stating that the accounts were opened by me because my address phone social was used at the time and in my FTC reports police report and handwritten letter definitely all state that my accounts were compromised I never said anything about most of my accounts being open fraudulently the ones that were though I stated in my FTC reports. XXXX XXXX  is in clear violation of consumer rights by not blocking the requested compromised accounts that I asked to be blocked. Iam a victim of identity theft and Experian is not following protocol when it comes to compromised accounts. It took me a while together all my documents and send to Experian XXXX and XXXX and all three credit bureaus denied my documents and disputed my compromised accounts the way they wanted to.

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 2023-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This company did NOT send me all the validating information that I requested, instead they decided to just send a bunch of statements to " prove '' that the debt is mine which is a clear violation of the fair debt collection reporting act. Additionally, I requested a specified cease of communication for the account # XXXX to which they also did not comply with. This further violates the FDCPA to which I am willing to take legal action. In my validation request I demanded that they show me proof that I had indorsed a contract/instrument with Transworld Systems Inc to which they did not provide. I also asked that they send me the entire purchase agreement, which they did not provide. I ask them to send more validating data pursuant to 12 CFR 1006.34 which again they did NOT provide. Furthermore, Transworld Systems Inc reported this information to consumer reporting agencies ( to whom they call business partners ) without validating the alleged debt first which is a complete violation of the fair credit reporting act. To be more specific 15 U.S. Code 1681s-2. It is clear that Transworld Systems Inc does not care about the federal laws set forth by congress and is willing to break the laws in order to make a financial gain. Instead of honoring my cease communication notice, they decided to just mark it as " disputed ''. This violates 15 U.S. Code 1692c ( c ) which states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ''. The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. These are unfair practices that they are using to clearly harass, oppress and abuse me. I will be submitting a complaint with my state attorney general in addition to this cfpb complaint. If this matter persists, I will seek litigation for damages.

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 2023-11-23 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: IL

Complaint narrative:
By the provisions of the Fair CreditReporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
Called up companies that are reporting negative activity on my credit profile requesting information on the accounts. I havent received documentation however when I dispute the accounts with the credit bureau it comes back as valid. These accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
When reviewing an alert on my credit report, I noticed that there was an attempted collection of a debt that does not belong to me. 
This collection company put on my report a series of addresses where I have never lived in order to collect a fraudulent debt. 
It is evident that they used my information to commit fraud. 

I have never requested these types of services and I have never resided at those addresses. I have never had an account with XXXX XXXX XXXX On several occasions I tried to call this collection company, but they did not answer. 

The information of this collection company is : SOUTHWEST RECOVERY SER XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX SOUTHWEST RECOVERY SER Original creditor : XXXX XXXX XXXX Balance {$590.00} Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$590.00} past due as of XX/XX/2023. 
Status updated. 
XX/XX/2023 Fraudulent address provided by this collection company : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I bought a truck with Toyota motor credit and they added optional packages to the loan without me knowing about it. When I found out, I wanted to cancel with them at the dealer and they didn't. I called and they didn't give me a solution and that affected my credit. 3 months I changed the car and they removed said packages adding them to a new loan from another car which they did not notify me of said products added to the loan which made my payments higher than unusual which affected my credit and increased the APR of the loan In XX/XX/XXXXXXXX  I changed the car again and they added said extended maintenance package which I had to call and canceled but they told me that my payment would not go down they only added the balance to the main balance of the loan which affected my credit score even more which continues to affect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the lack of progress in resolving inaccuracies on my credit report. Despite previous escalations and requests for updates, the reported inaccurate late payments still persist on my credit report. I am reaching out to demand that your bureau fulfill its responsibility and promptly rectify these errors. 
UPGRADE INC XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
The inaccurate late payments are adversely affecting my credit score and overall creditworthiness, hindering my ability to secure credit on fair terms. It is your bureau 's responsibility to ensure the accuracy and fairness of consumer credit reporting, and the prolonged presence of these errors is both unacceptable and damaging to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After filing my XXXX complaint with cfpb about inaccurate information on my credit report by TransUnion it still remains. Even after disputing with evidence from original creditor that it is incorrect TransUnion still places it on my report. Other bureaus have removed it but not TransUnion they are tampering with my report XXXX XXXX XXXX XXXX information. I feel now I am be retaliated against for filing a report on TransUnion. XXXX My account all of a sudden continues to get temporarily suspended. XXXX, the disputes I made online are now being mailed out to draw out the process of my disputes. I did not request anything to be mailed and where are they mailing it to? I did not confirm a mailing address with TransUnion. I did my dispute online like the rest of my disputes to get my results online, secure. This means someone will have all my personal information due to TransUnions negligence. My upcoming tentant screen will be rejected due to negligence of TransUnion.

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 2023-11-23 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: IL

Complaint narrative:
XXXX. XXXX XXXX, account number XXXX. XXXX. XXXXXXXX XXXX XXXX, account number XXXX. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX, I have sent certified letters to Equifax credit bureau requesting full break down of validity procedures due to these account being illegally reported to my equifax credit report. Ive also requested Equifax do a thorough investigation on these accounts and also to send me originally signed contracts between me and these companies, they havent provided them and its been legally past the statute and timely manner to do so. There are still no proof of these account being mine and there are still inaccuracies reporting on these accounts on my credit profile. Equifax is now part of the litigation including these reported account companies listed above due to clear violations of 15 United States Code 15 ; FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: FL

Complaint narrative:
I CHECKED THE DATA BREACH FROM XXXX AND MY NAME AND LAST XXXX WAS INCLUDED

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 2023-11-23 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: U.S. BANCORP
State: MD

Complaint narrative:
I noticed an inquiry on show up on my credit report that I didn't authorize or initiate. It seem to have taken place sometime XX/XX/2023.

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