vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with XXXX law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. 
it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you XXXX  days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/2023 Attention : Square XXXX Department & Customer Service : Square has misappropriated over {$20000.00} in my funds by locking my account XXXX and then refusing to further engage with me via my account service contact ( likely because it has been using a bot to respond rather than a person ). This is severely damaging my business, which relies upon access to those funds. Those funds are held in trust, and Square is both in breach of its contract and has committed unjust enrichment, as well as a failure to meet the duty of good faith and fair dealing. 

I am continuing to try and resolve this in good faith and through direct communication. Please have an account representative correct this matter promptly and restore my access. If an account representative is unable to act, please forward this to your legal department, as they should, at a minimum, recognize the wrongful conduct committed by Square and act promptly to avoid legal costs. 

My professional photography business, XXXX XXXX XXXX XXXX, operates seasonally. My business is licensed by the XXXX XXXX XXXX. I have been utilizing Square to receive payments for my photography services, and Square held a substantial balance of my funds as of XX/XX/2023. Without making any attempt to contact me about any concerns, Square suddenly deactivated my account. Square then claimed it did so because my account could not be verified, and refused to further engage with me. All while keeping all of my funds. This is significantly impacting my ability to operate my business and to pay contractors for their services. 

Either this is a simple mistake that has not been brought to the attention of the right people, or a deliberate policy of theft. Based on a cursory review of online complaints, many others have been forced to deal with the same issue. If this is a deliberate policy action, it may be that a class action is the only recourse to obtaining justice for both myself and to ensure that others like me dont have to suffer the same issue. But I do hope this is just an oversight and not a policy issue, and that it is resolved promptly and fairly once this notice has your attention. 

Please release the amount of {$20000.00} from my account. You may contact me at XXXX or by phone at XXXX. This is my final attempt to resolve this through direct discussion. I hope you act accordingly. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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: MO

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

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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:
Fraudulent charge off account on my credit report : XXXX XXXX XXXX XXXXXXXX - 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 2023-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My Citibank Credit Card Number was stolen and used to fraudulently sign up for a XXXX account on XX/XX/XXXX for {$84.00}. XXXX  additional charges were made for {$58.00} each, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in all, totalling {$250.00}. I noticed the fraudulent activity on XX/XX/XXXX and I immediately reported the card and stolen and marked these charges ( as well as some others ) as fraudulent. 

Citibank initially reversed all fraudulent charges, but XXXX disputed all XXXX  credit card chargebacks. Citibank sent XXXX  messages containing different documents provided by XXXX claiming the charge was legitimate [ ATTM : We-need-more-infoXXXX [ XXXX ] .pdf ]. The XXXX  messages included a document requesting confirmation of the XXXX XXXX charge, however the 4 messages all included the same document referencing the XXXX XXXX charge. No document was requested nor mention made for the charges on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I responded with the requested signed document on XX/XX/XXXX [ ATTM : XXXX XXXX dispute.eml ]. 

These documents showed the purchaser as a XXXX in the XXXX area, whom I have never met nor have any affiliation with. I used the information obtained from these documents to report the fraud to FTC [ XXXX : XXXX ]. I also reported this account information as fraudulent directly to XXXX under Claim ID : XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX  XXXX responded saying they could not confirm any fraudulent activity. [ ATTM : Unauthorized purchase claim complete - XXXX Payments.eml ] On XX/XX/XXXX, I received XXXX messages saying that the merchant provided documentation confirming this is a valid charge [ ATTM : dispute-update-XXXX [ XXXX ] .pdf ]. The charges from XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX were reinstated ( for a total of {$200.00} ). The XXXX messages all referenced the same charge, this time the XXXX made on XXXX XXXX for {$84.00}. No mention of the charges for {$58.00} on XX/XX/XXXX or XX/XX/XXXX were ever made, besides now showing on my statement.

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 monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc
State: WA

Complaint narrative:
Hello, I have been able to contact someone at NCS back in XXXX of 2022. I have informed them that I would like to make an offer of settlement of already made payments. The person who has been in charge at NCS XXXX XXXX refused to share my request with the client XXXX XXXX XXXX. 
I then asked again why would he not share my email or request to settle with them. We have gone back and forth many times and he has refused to share my offer with his client and for whatever has said he would if I made an offer and when I told him I did, he says it is an acceptable. I then asked what is acceptable for the client XXXX XXXX XXXX and he keeps telling me to make an offer or a better offer. 
At this point I dont know if the client actually exists and he is refusing to take my offer to the client or there is no client and he is using a fake client. 
I then asked to speak with his boss and he has refused to provide that information as well and said he is the only person I will be dealing with and no one else. 
At this point I dont know what else to do. 
1- I made an offer per XXXX XXXX XXXX but he is refusing to take it to his client XXXX XXXX XXXX 
2- I asked him to ask his client what they think is a fair offer to close this settlement and he is refusing to provide that as well. 
3- I asked to communicate with the client and he has refused to provide that information. 
4- I asked to communicate with his superior since I dont believe he is being honest in his dealings, he has refused that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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: MO

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

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Act. # XXXX, XXXX, Act. # 1903 XXXX XXXX XXXX XXXX XXXX XXXX Act. # XXXXXXXX XXXX Act. # XXXXXXXX XXXX XXXX  Act. # XXXX, has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN XXXX DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A XXXX PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i was affected by the Equifax Data Breach. This is a unauthorized account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent multiple letters to National Credit Adjust for validation of this debt and I also sent letters to XXXX, XXXX, and XXXX and I haven't received a response from any of them. The dates that I sent the letters are XX/XX/23, XX/XX/23 and XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Fraudulent charge off account on my credit report : XXXXXXXX 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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Fraudulent charge off account on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the fair credit reporting act. XXXX XXXX. account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 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 non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act. XXXX XXXX. account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act. XXXX XXXX. account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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 2023-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
I sent a letter out to XXXX, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc
State: WA

Complaint narrative:
Hello, I have been able to contact someone at NCS back in XXXX of 2022. I have informed them that I would like to make an offer of settlement of already made payments. The person who has been in charge at NCS XXXX XXXX refused to share my request with the client XXXX XXXX XXXX. 
I then asked again why would he not share my email or request to settle with them. We have gone back and forth many times and he has refused to share my offer with his client and for whatever has said he would if I made an offer and when I told him I did, he says it is an acceptable. I then asked what is acceptable for the client XXXX XXXX XXXX and he keeps telling me to make an offer or a better offer. 
At this point I dont know if the client actually exists and he is refusing to take my offer to the client or there is no client and he is using a fake client. 
I then asked to speak with his boss and he has refused to provide that information as well and said he is the only person I will be dealing with and no one else. 
At this point I dont know what else to do.

1- I made an offer per XXXX XXXX instructions but he is refusing to take it to his client XXXX XXXX XXXX. 
2- I asked him to ask his client what they think is a fair offer to close this settlement and he is refusing to provide that as well.

3- I asked to communicate with the client and he has refused to provide that information. 
4- I asked to communicate with his superior since I dont believe he is being honest in his dealings, he has refused that as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation