vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding hired Hide and Seek recovery to repossess my XXXX XXXX XXXX XXXX. The repo took place on XX/XX/XXXX. I reached out to LVNV Funding to obtain the contact information to the tow company which is Hide and Seek Recovery, and did not receive the correct contact info until XX/XX/XXXX. I connected with Hide and Seek and was informed to submit a request online to retrieve my belongings. I submit the request on XX/XX/XXXX for a pick up date of XX/XX/XXXX. I received confirmation of my appointment at XX/XX/XXXX at XXXX via text message and email. My appointment was scheduled for XX/XX/XXXX @ XXXX am. On XX/XX/XXXX @ XXXX I received a cancellation of my appointment and reasoning being a " harmless hold ''. I attempt to reach out to the tow company but was unsuccessful. I reached to LVNV Funding on XX/XX/XXXX @ XXXX regarding this matter and was initially told they did not know why my appointment was declined and they would attempt to call the tow company and give me a call back. By XX/XX/XXXX I had not received a call back so I reached out to LVNV Funding again. I was than told that my vehicle was sent to auction on XX/XX/XXXX and at that time they did not know where my belongings were. I reached out to Hide and Seek XXXX that same day and they advised me that LVNV Funding ordered my vehicle to be sent to auction with my personal belongings in the vehicle. Once again I reached back out to LVNV Funding and at that time was advised to contact XXXX XXXX XXXX to retrieve my belongings. I reached out to XXXX XXXX XXXX to schedule appointment for pick up of my belongings an was told that the vehicle had arrived on XX/XX/XXXX and they had not yet received the release for my personal belongings. Once more I reached out to LVNV funding and was advised to wait XXXX - XXXX hours and if there are any additional fees I would have to pay them to receive my personal belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a victim of XXXX XXXX  / identity theft and as a result adverse accounts are reporting on my credit which were not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX was issued on XX/XX/year> for {$XXXX} ( see attached ) Bank XXXX debt

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
XXXX : XXXX XXXX XXXX - NEGATIVE *ACCOUNT PAID, NEVER LATE XXXX XXXX XXXX XXXX NEGATIVE *No knowledge of this account XXXX XXXX - NEGATIVE *No knowledge of this account Self XXXX/XXXX  XXXX  - NEGATIVE *Account paid, closed Self XXXX/XXXX  XXXX  - NEGATIVE *Account paid, closed XXXX  XXXX XXXX  XXXX  - NEGATIVE *No Knowledge of this account Credence Resource Management COLLECTION - NEGATIVE *Account not mine, reached out to company to remove and has been delete from other credit bureaus Inquiries : XXXX/XXXX  - NEGATIVE *Ive previously disputed this XXXX XXXX XXXX - NEGATIVE XXXXIve previously disputed this XXXX XXXX - NEGATIVE *Ive previously disputed this XXXX XXXX XXXX - NEGATIVE *Ive previously disputed this XXXX XXXX - NEGATIVE *Ive previously disputed this XXXX  XXXX- NEGATIVE *Ive previously disputed this XXXX XXXX XXXX - NEGATIVE XXXX XXXX XXXX/XXXX  - NEGATIVE Ascend XXXX/XXXX  - NEGATIVE XXXX  - NEGATIVE XXXX/XXXX  XXXX  - NEGATIVE XXXX XXXX XXXX XXXX NEGATIVE *Ive previously disputed this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
in accordance with the fair credit reporting act # numbers US bank 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 states a consumer reporting agency can not furnish a account without my written instructions. I have informed the credit bureaus to remove this but I keep getting a generic letter. I demand a proper investigation or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
in accordance with the fair credit reporting act # numbers US bank 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 states a consumer reporting agency can not furnish a account without my written instructions. I have informed the credit bureaus to remove this but I keep getting a generic letter. I demand a proper investigation or I will take legal action.

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 2025-02-04 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: KY

Complaint narrative:
I was reviewing my credit report and I noticed that I have XXXX medical debt collections on my XXXX and XXXX credit report. 

The collection was reported to the credit bureau on XX/XX/XXXX. 

My date of service at the hospital was XX/XX/XXXX - XX/XX/XXXX. 

That is a direct violation of XXXX and the

No Surprises Act. This is also a direct violation of the FCRA as the credit bureau 's are inaccurately reporting a medical collection debt that cle
arly violates XXXX and No Surprises Act. 

According to the XXXX XXXXXXXX XXXX XXXX, medical debts can not be reported to credit bureaus until they are at least XXXX  days past the date of first delinquency/service. With date of service being XX/XX/XXXX, and the collection being reported on XX/XX/XXXX, that is less than 180 days and is a direct violation of XXXX. 

According to the No Surprises Act, providers must give patients an opportunity to resolve billing disputes before sending them to collections. I disputed the hospital charges as they were excessive with my insurance company and my insurance company was working that out with the hospital when I received a collection letter in the mail. 

I have attached my medical bill from the hospital showing the dates of service. I also attached proof of the payments I was making while I was waiting on my insurance company to resolve the dispute. I also attached the certified letter and mail receipts I sent to the secondary reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CORELOGIC INC
State: KY

Complaint narrative:
I was reviewing my credit report and I noticed that I have XXXX medical debt collections on my XXXX and XXXX credit report. 

The collection was reported to the credit bureau on XX/XX/XXXX. 

My date of service at the hospital was XX/XX/XXXX - XX/XX/XXXX. 

That is a direct violation of XXXX and the No Surprises Act. 

This is also a direct violation of the XXXX  as the credit bureau 's are inaccurately reporting a medical collection debt that clearly violates XXXX and No Surprises Act. 

According to the XXXX XXXX XXXX  XXXX, medical debts can not be reported to credit bureaus until they are at least XXXX  days past the date of first delinquency/service. With date of service being XX/XX/XXXX, and the collection being reported on XX/XX/XXXX, that is less than XXXX  days and is a direct violation of XXXX. 

According to the No Surprises Act, providers must give patients an opportunity to resolve billing disputes before sending them to collections. I disputed the hospital charges as they were excessive with my insurance company and my insurance company was working that out with the hospital when I received a collection letter in the mail. 

I have attached my medical bill from the hospital showing the dates of service. I also attached proof of the payments I was making while I was waiting on my insurance company to resolve the dispute. I also attached the certified letter and mail receipts I sent to the secondary reporting agencies.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-04 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filling a complaint against Cash app due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to timely and effectively use measures to prevent and address fraud on their platform. I believe in a victim of a data leak, in which Ive been receiving unsolicited calls and emails around the clock since last issue with Cash App. They left my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. Im seeking appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I would like to request the immediate removal of the security freeze on my credit report. I am in the process of applying for that requires access to my credit information, and I need my credit file to be unfrozen as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
On Monday XXXX around XXXX, in the course of exploring loan options, I called Experian and unfroze my credit report. I immediately received two emails from XXXX XXXX. The first one indicated that I had just opened a checking account with them, and the second confirmed that I had changed my notification preferences for two different accounts to " online '' rather than paper. 

The emails were sent to " XXXX ''. My actual email address is " XXXX '', but I understand from a bit of search that XXXX regularly consider " dotted '' versions of one 's email as belonging to that same individual. So the account was opened under an email in my name, which technically doesn't exist, but routes to my similar email address. Also, one email is addressed to " XXXX '', which is my father 's name, so perhaps they are using some of his information. 

I immediately called XXXX XXXX and reported the issue. They confirmed to me that there are no XXXX XXXX accounts associated with my social security number. I was still concerned about why the account have been opened immediately after my credit unfreeze, and asked them to look into these individual accounts and close them or at least confirm that they were not affecting my credit score, and they were unable to provide any confirmation. I did provide them with the ending four digits of the two account numbers, which did appear in the email regarding notification preferences. 

I'm aware that in the past XXXX XXXX had major issues with fraudulent accounts being opened in peoples ' names against their will, and it affecting their credit score. I think that what I'm seeing is exactly that. It should be investigated and handled immediately if there are departments creating or allowing the creation of fake bank accounts. I do not believe XXXX XXXX is going to take any action based on my report, nor did they promise to, but instead need to be held accountable from the outside.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/year> - XX/XX/year> tried numerous times ( at least 30 ) to contact Experian by phone and email to get my credit report freeze lifted inorder to complete reverse mortgage. I have tried 6 different numbers, customer support, and online avenues but with no succcess. 
With XXXX XXXX XXXX, the freeze was lifted immediately. Less than 1 minute of time expended. I have tried for hours with Experian to no avail.

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 2025-02-04 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: DE

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Request for Removal of Inaccurate Name and Provision of Correct Original Contract Dear Sir/Madam, I am writing to formally request the removal of an inaccurate name listed on my credit report. Upon reviewing my credit report, I noticed that my name is listed incorrectly. The name appearing is [ incorrect name ], while my correct legal name is [ correct name ]. 
As per the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute any information on my credit report that is inaccurate or incomplete. I request that you thoroughly investigate and remove the incorrect name from my credit file, as it does not reflect the accurate and legal name by which I am identified. 
Additionally, I request that you provide me with a copy of the original contract or account documentation that contains my correct name. If the original agreement contains any discrepancy in the name, I ask that you provide documentation that verifies the error and reflects the proper name associated with the account. 
Please treat this matter with urgency, as inaccurate information can have a significant impact on my creditworthiness. If this issue is not rectified within the 30-day period allowed under the FCRA, I will consider pursuing further legal action, including but not limited to a lawsuit for violations of the Fair Credit Reporting Act, which provides for damages, attorneys fees, and court costs under 15 U.S.C. 1681n and 1681o.

I appreciate your prompt attention to this matter and request a written response once this issue has been resolved. Please update me on your findings and any actions taken to correct my credit file. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation