vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/year> Cashapp suddenly closed my account claiming I had violated terms. I immediately appealed this, as I know I did not violate terms nor have I done anything fraudulent, illegal, or unusual. They advised it may take up to 30 days for the appeal to be resolved. 

I waited over 30 days with no update, and asked for an escalation on XX/XX/year>. This was refused so I requested to speak with a supervisor and was told one will reach out to me. On XX/XX/XXXX I received an email that my issue was still being worked and it may be 30 days for resolution. I replied that I had already waited 30 days. They replied that my appeal was denied and my account closed because I violated terms. 

Suddenly after 33 days my appeal was resolved within the hour? Funny. So I requested the specific terms violated, and date and time of the violation. 

I was refused, as I have been numerous times, of any information or proof that I committed any violation of any term. 

This is an unfair and discriminatory way to do business and I intend to file a complaint with every regulatory agency possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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 recently reviewed my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-22 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CITI, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Information Practices Act, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020. 

It has come to my attention that CITI has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the Missouri Information Practices Act, provides protections for consumers against unauthorized disclosure of personal information. Furthermore, identity fraud laws, such as Missouri Revised Statutes Section XXXX, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CITI to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CITI immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Information Practices Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CITI will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear CFPB, I am writing to express the profound impact that negative items on my credit report have had on my life. These derogatory marks are preventing me from finding stable housing, as I face repeated rejections due to my low credit score. Despite my efforts to rebuild my financial standing, these issues continue to hold me back.

The constant denials have left me feeling hopeless and increasingly XXXX. I fear that without intervention, I will remain trapped in this cycle with no way forward. I kindly request your assistance in investigating these items, as I believe some may be inaccurate or outdated.

Thank you for your time and attention. I appreciate any help you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear CFPB, I am writing to express the profound impact that negative items on my credit report have had on my life. These derogatory marks are preventing me from finding stable housing, as I face repeated rejections due to my low credit score. Despite my efforts to rebuild my financial standing, these issues continue to hold me back. 

The constant denials have left me feeling hopeless and increasingly depressed. I fear that without intervention, I will remain trapped in this cycle with no way forward. I kindly request your assistance in investigating these items, as I believe some may be inaccurate or outdated.

Thank you for your time and attention. I appreciate any help you can provide.

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 2024-08-22 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: TX

Complaint narrative:
I sent in the letter from the debt collector stating they would no longer collect on the debt, and I also sent the validation letter I provided to the debt collector. Each time, the collection comes back as verified instead of being removed. I am very interested to learn how your XXXX ( XXXX ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX  because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, XXXX, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: TX

Complaint narrative:
I sent in the letter from the debt collector stating they would no longer collect on the debt, and I also sent the validation letter I provided to the debt collector. Each time, the collection comes back as verified instead of being removed. I am very interested to learn how your XXXX ( XXXX ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, XXXX, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately!

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 2024-08-22 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My XXXX  was satisfied then sold without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Square Inc., a credit card processing company, regarding their decision to disable my account and withhold my funds without adequate justification or communication. 
On XX/XX/XXXX, I set up an account with Square after a customer requested to pay via credit card for services rendered. I processed a payment of {$3800.00} after completing the installation of an XXXX XXXX at the customer 's residence. However, when I attempted to transfer the funds to my bank account, I was unsuccessful. 
Shortly after, I received an email from Square requesting additional information. In response, I promptly provided the requested business documents, including my federal tax ID number, the invoice for the transaction, personal identification, and photos of my ID. The only requirement I was unable to fulfill was providing a business website, as my business operates primarily through word of mouth and does not utilize online advertising. I communicated this to Square.

Despite my efforts, Square sent me an email stating that they were disabling my account and holding my funds for 90 days, with no option for appeal. This decision was made without any further explanation or consideration of the documentation I provided.

Since then, I have made numerous attempts to contact Square 's customer service. Unfortunately, because my phone number is linked to the deactivated account, my calls are screened and do not go through. I have also tried reaching out via email but have yet to receive a response or speak with a representative. 
As a small business owner, this situation is severely impacting my ability to operate. I believe I have provided sufficient proof of the legitimacy of my business and transaction, and I do not believe Square has the right to withhold the funds my business earned.

I am seeking the immediate release of the withheld funds or at the very least, a fair and transparent review of my case. I am willing to provide any additional information that Square may require to resolve this matter promptly.

Thank you for your time and consideration. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My aspire was satisfied then sold without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear MIDLANDCRE, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Information Practices Act, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020. 

It has come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the Missouri Information Practices Act, provides protections for consumers against unauthorized disclosure of personal information. Furthermore, identity fraud laws, such as Missouri Revised Statutes Section 570.020, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Information Practices Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Despite having an extended security freeze between XXXX and XXXX, XXXX XXXX XXXX acted in a predatory manner by ignoring the freeze on my account and allowing an unknown person to take out a loan in my name. The company never contacted me to obtain my consent or requested a copy of my identification, something even libraries typically require. I contacted XXXX XXXX XXXX and, following guidance from the Federal Trade Commission, asked them to close or remove me from the fraudulent account. On Wednesday, XX/XX/XXXX, I spoke with a representative named XXXX. She was combative and refused to assist me. When I asked to speak with her supervisor, she claimed the supervisor was in a meeting, took my number, and stated that I would receive a call back within XXXX hours. I never heard back.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Despite having an extended security freeze between XXXX and XXXX, XXXX XXXX XXXX acted in a predatory manner by ignoring the freeze on my account and allowing an unknown person to take out a loan in my name. The company never contacted me to obtain my consent or requested a copy of my identification, something even libraries typically require. I contacted XXXX XXXX XXXX and, following guidance from the Federal Trade Commission, asked them to close or remove me from the fraudulent account. On Wednesday, XX/XX/XXXX, I spoke with a representative named XXXX. She was combative and refused to assist me. When I asked to speak with her supervisor, she claimed the supervisor was in a meeting, took my number, and stated that I would receive a call back within XXXX hours. I never heard back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2024 Huntington Bank ( XXXX ) locked my online access due to suspected fraud and is refusing to validate my identity, and unlock this access, without me physically going to a branch. I will not be closer than XXXX miles to a branch in the next XXXX  days. Huntington should be able to use tools to validate my identity with out of wallet questions XXXX XXXX names from childhood, total amount of a car payment etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> Experian had remove the XXXX accounts from my credit bureau via blocking and then XX/XX/year> the added the XXXX accounts back to my credit file causing financial and emotional stress. I was in the process of purchasing a home which is now in jeopardy by Experian 's unethical move. The following accounts where added back : XXXX. XXXX XXXX Acct # XXXX ( {$17000.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( {$9400.00} )

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 2024-08-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

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 2024-08-22 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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