vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX, XXXX CARD XXXX Balance : {$4800.00} Date Opened : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CA

Complaint narrative:
This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XXXX XXXX XXXX NA XX/XX/2022

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 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX I signed up with Block Inc. dba Square so I could take card payments for my business goods and services. Ever since my first transaction, Square has claimed there was a problem with it and I would need to refund it to my client. Even though there was nothing wrong with it even to this day, they still claim I need to refund this transaction to my client, even though I've already delivered goods and would essentially be taking a direct loss to my business if I did such an idiotic refund. They subsequently put a hold on my account and kept all of my processed card transactions until I issued the refund. In XXXX I had gross sales totaling {$26000.00}. For facilitating these transactions, I paid Square {$940.00}, leaving {$25000.00} in my Square account, owed to me. On XXXX I was informed my account would be closed and that any " outstanding Square balance will be reserved for up to 180 days ( but no less than 90 days ), unless circumstances require that we extend this reserve period. '' I was again given the false choice of refunding my very first transaction if I didn't want to wait for my funds to be disbursed, or waiting an indefinite period for my funds. I tried contacting my client about issuing such a refund and taking their payment again, but received no response. I have inquired with my client several times over the last 4 months. During these past 4 months, Square has also allowed a dishonest customer to file false claims against me. Even though I provided transaction receipts, proof of delivery, and client communication, among other things, Square has allowed over {$5000.00} to be stolen from me. My Square account now has {$20000.00} in it. 

Since the initial minimum of 90 days has passed, in fact closer to 120 days now ( and still no dispute nor chargeback nor any problem whatsoever with my first transaction that Square claims I must refund ), I've inquired with Square as to when I will be getting the remainder of my money they continue to hold. Instead of being told anything useful, I am told the most infuriating of things that, starting from XX/XX/XXXX, my outstanding balance " will be reserved for up to 180 days ( but no less than 90 days ), unless circumstances require that we extend this reserve period. '' So now I am being told that I can't have my funds for another minimum of 90 days, which, if you add to the 120 days that have already passed, means Square has chosen to hold my funds for a minimum of 210 days. But that's not all, they claim they can hold it up to 180 more days, or longer if " circumstances require '' which I suppose can be any reason they come up with. Essentially they are saying they can hold my money forever, turning them into de facto thieves and criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im writing this letter to inform your department that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have XXXX business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2013 Balance : {$2900.00}

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 non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is the third time this have happen and I need it to stop. 

I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First Middle & Last Name XXXX. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. 

Delete any and all other phone numbers listed. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section Thanks in Advance

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 2022-08-30 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: AR

Complaint narrative:
Incorrect/ Wrong Name, Address, and Work History Personal Information NAMES REPORTED XXXX XXXX XXXX INFO XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-30 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: AR

Complaint narrative:
Incorrect/ Wrong Name, Address, and Work History Personal Information NAMES REPORTED XXXX XXXX XXXX INFO XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-30 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 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 2022-08-30 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 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 2022-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
XXXX had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after XXXX yrs and any debts were passed statue of limitations and were considered time barred debts and in after XXXX yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past XXXX yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am writing to request the investigation and correction of a medical bill that appears on my credit report. The credit report number is XXXX and XXXX. 

The medical bill is listed under account number First Federal Credit C, and the account was opened on XX/XX/2020, and XX/XX/2020, by XXXX XXXX XXXX and XXXX. 

The amounts are {$940.00} and {$450.00}. 

This medical collection is inaccurate because I have emailed and sent certified mail to the company to verify and requested to send me a copy of my debt and I have received no reply. 

Please reinvestigate this medical collection and delete it as soon as possible. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently started looking into my credit more and noticed a fraudulent account appearing on my Experian report # XXXX. The fraudulent info is listed below : XXXX  BANK XXXX Account numberXXXX This account was closed after I contacted XXXX bank and let them know the account is not mine. I have also filed a report with the FTC Report # XXXX. 
I submitted a dispute with Experian to remove the negative info and they have verified it twice. My personal information was included in the data breach of XXXX with XXXX and I was notified by mail about this. This account was opened within that timeframe. 
I would like to exercise my rights under the ( FCRA ), 15 U.S.C. 1681.

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 2022-08-30 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This account is paid twice a month to XXXX. They have been contacted repeatedly and refuse to report payments accurately. They respond that a depreciating balance is sufficient enough to reflect twice monthly payments. The account status is not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I recently disputed inaccuracies with the CB. The credit reporting agencies stated that my accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requested to know all the steps your agency took to insure the items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

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 2022-08-30 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: CA

Complaint narrative:
Hello, I recently disputed inaccuracies with the CB. The credit reporting agencies stated that my accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requested to know all the steps your agency took to insure the items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

Credit Inquiries INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX by XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX Bank DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME BAnk XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XX/XX/XXXXXXXX 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 2022-08-30 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: CA

Complaint narrative:
I have been disputing Fraudulent Information on my credit report since XX/XX/2022. And I have been waiting for the Credit Bureaus ' response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, section 605b and continuedreporting the disputed items without providing me copies of documents as proof of verification. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00}

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 non-monetary relief