vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Heres the draft for your CFPB complaint : -- - XXXXWhat happened? ** I started using Square for my new business, XXXX XXXX, a construction company, on XX/XX/year>. My account was approved on XX/XX/year>, and I invoiced my first client that same day. The client made a payment of {$12000.00} on XX/XX/year> through Square 's invoicing system. 

On XX/XX/year>, Square informed me that I needed to go through an identity verification process. I promptly provided the requested documentation, which included photos of myself and my ID. Despite this, on XX/XX/year>, Square froze my account without giving a clear explanation.

Since then, Ive made numerous attempts to contact Square through phone calls, but no one has been able to provide a reason for why my account is blocked or when I can expect to access my funds. 

The withholding of these funds has caused significant financial strain on my business. Ive incurred 10 % interest on credit card debt due to having to borrow money to keep my operations running. Im struggling to pay my employees and cover the costs of materials needed to continue my project.

I urgently request that Square release the withheld funds as soon as possible. 

-- - This complaint gives a clear timeline, outlines the issue, and explains how its affecting your business. Let me know if you'd like any revisions!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account is NOT mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account is NOT mine

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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover card decreased my credit limit from {$12000.00} to {$3000.00}. That is a significant credit line decrease. I have been making my payments on time and was never late. I have been a member since XXXX. I have used this card for moving and also after covid to be able to survive. Because of the decrease in credit line, my credit usage on this card increased to 78.77 %. Prior to that it was 19.24 %. That is a significant change. Does that sound fair? Especially since I have been making payments online. My score also decreased. Discover messed up my credit. My father passed away and needed to use this card but I could not since I am so close to my current limit. 

I'M INCLUDING THE LAST FOUR NUMBERS OF CARD. DO NOT WANT FULL NUMBER ON HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws under the FCRA ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically, the contract, note or other instrument bearing my signature, under FCRA Law. Failure to do so by XXXX, TRANSUNION, AND XXXX will result in my filing a lawsuit against you for a maximum amount of {$5000.00}. 

XXXX XXXX XXXX LATE PAYMENTS ON : XXXX AND XX/XX/XXXX Account number : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT TYPE : CREDIT CARD REASONING : I dont believe the status of this account is accurate. THis delinquency on my credit report should not be there. I demand proof that you went through all of the proper and logical steps that would have been lawfully necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report immediately. 

XXXX XXXX  BALANCE IS INCORRECT Account number : XXXX XXXX  : YOU MUST REPORT CORRECT BALANCE INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws under the FCRA ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically, the contract, note or other instrument bearing my signature, under FCRA Law. Failure to do so by XXXX, XXXX, AND EQUIFAX will result in my filing a lawsuit against you for a maximum amount of {$5000.00}. 

XXXX XXXX XXXX LATE PAYMENTS ON : XXXX AND XX/XX/XXXX Account number : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT TYPE : XXXX XXXX XXXX XXXX I dont believe the status of this account is accurate. THis delinquency on my credit report should not be there. I demand proof that you went through all of the proper and logical steps that would have been lawfully necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report immediately. 

XXXX XXXX  BALANCE IS INCORRECT Account number : XXXX XXXX  : YOU MUST REPORT CORRECT BALANCE INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to dispute an error on my credit report. The equifax the agency XXXX XXXX XXXX, put me in collection that reflects on my equifax credit report, stating that I owe them {$11.00}. I contacted them but they don't want to give me info whether this amount is from a credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft. But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /EDISON a proof of residency. My problem started when I purchased a home located in XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I never lived at this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I don't know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my fraudulent name, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Bank on XX/XX/XXXX under the account number ( XXXX ), an XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), First XXXX XXXX  XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-18 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: VA

Complaint narrative:
The accounts are counterfeit there is no lawful binding contract between me and either person in this report. Any contract that bears my signature was not signed with my own hands. No person can verify that I signed a credit agreement with them giving permission to use my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to resolve these issues directly with Experian, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : XXXX. Failure to Properly Investigate Disputed Information ( FCRA Section 623 ) : On XX/XX/2024, Experian conducted an investigation regarding account XXXX XXXX XXXX. They reported on XX/XX/2024 that my credit report was not changed as a result of their investigation. Experian claims that XXXX certified the information as accurate. However, Experian has failed to : a ) Provide me with the documentation used to verify the debt, as required by the FDCPA. 
b ) Conduct a proper investigation of the disputed information. 
c ) Report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete. 

XXXX. Failure to Verify Debt ( FDCPA Section 1629g ) : Experian has not provided proper verification of the debt as required by law, including : a ) Proof of my agreement to pay the original creditor. 
b ) A copy of the final account statement issued by the original creditor. 
c ) A detailed breakdown of the total amount due. 
d ) Documentation for each charge, including dates and bases for charges. 

XXXX. Reporting Disputed Information : Despite my formal dispute of this debt, Experian has continued to report it to credit reporting agencies without noting that it is disputed. This is a clear violation of both the FCRA and FDCPA. 

XXXX. Failure to Protect Consumer Information : Experian 's actions have exposed my private information and failed to protect my identity from fraudulent use. 

These violations have resulted in : - Inaccurate information on my credit report - Potential denial of credit or increased interest rates - Emotional distress and damage to my financial stability - Exposure of my personal and financial information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
Ive sent XXXX letters to this company asking for the original agreement and my signature stating it was my account and didnt receive any information back any letters anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ AFFIRM INC ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax- is reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA XXXX Which is false. I have attached a letter from the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. 
Verifying and stating that they do not furnish information over to the credit bereaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
Equifax is falsely stating this information on my credit report and have yet to remove it from my credit report. 
I contacted the court, and their response is enclosed. ( See attached letter ). 
I contacted the data furnisher XXXX and their response is enclosed. 
( See attached letter ). 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency delete the Bankruptcy and the potential negative accounts associated with the bankruptcy identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. 
I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ). 

It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate Your prompt attention to this matter is requested in order to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I want to dispute an error on my credit report. The Calvary the agency cavalry portfolio Service, put me in collection that reflects on my XXXX credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /XXXX a proof of residency. My problem started when I purchased a home located in XXXX XXXXXXXX XXXX XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my name fraudulent, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: GA

Complaint narrative:
On XX/XX/year> I reviewed my credit report. Upon review, I discovered XXXX accounts reinserted onto my credit report. According to the Fair Credit Reporting Act you are required to send me a written letter notifying me of any reinsertion within XXXX business days. You failed to do so. 
The items being reported to my credit report are harmful to my reputation and preventing me for acquiring credit to grow my business. 
The following accounts were illegally reinserted on to my credit report and should be removed immediately. 

Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to resolve these issues directly with Experian, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : XXXX. Failure to Properly Investigate Disputed Information ( FCRA Section 623 ) : On XX/XX/year>, Experian conducted an investigation regarding account XXXX XXXX XXXX. They reported on XX/XX/year> that my credit report was not changed as a result of their investigation. Experian claims that XXXX certified the information as accurate. However, Experian has failed to : a ) Provide me with the documentation used to verify the debt, as required by the FDCPA. 
b ) Conduct a proper investigation of the disputed information. 
c ) Report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete. 

XXXX. Failure to Verify Debt ( FDCPA Section 1629g ) : Experian has not provided proper verification of the debt as required by law, including : a ) Proof of my agreement to pay the original creditor. 
b ) A copy of the final account statement issued by the original creditor. 
c ) A detailed breakdown of the total amount due. 
d ) Documentation for each charge, including dates and bases for charges. 

XXXX. Reporting Disputed Information : Despite my formal dispute of this debt, Experian has continued to report it to credit reporting agencies without noting that it is disputed. This is a clear violation of both the FCRA and FDCPA. 

XXXX. Failure to Protect Consumer Information : Experian 's actions have exposed my private information and failed to protect my identity from fraudulent use. 

These violations have resulted in : - Inaccurate information on my credit report - Potential denial of credit or increased interest rates - Emotional distress and damage to my financial stability - Exposure of my personal and financial information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation