vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
We scheduled an appointment to open a business account for our company ( XXXX Entertainment/Publishing ) on or about XX/XX/year>. Upon entering the bank we informed employees that we had a scheduled appointment with manager. After about 7 minutes the bank manager requested we enter his office. Upon entering office manager asked how can he help us, which we had already stated prior to coming that we wanted to open a business account. We then provided the manager with the very same documents we used to open our accounts with XXXX XXXX and XXXX. He then proceeded to search for our business on the internet at which he was able to pull it up and saw that it had been activated by Legal Zoom. The banker then told us the documents we had wasn't enough and that he needed an our company agreement. We then questioned what does our company agreement have to do with opening a business account. XXXX then stated he could not open an account without our company agreement. We left the bank went home obtained the agreement and returned within 30 minutes. I ( XXXX XXXX XXXX ) asked him why does he need personal information concerning our company. He then stated his legal team needs to know who will take over and be authorized to make changes to account should someone die. Upon reviewing our company agreement, he stated this is not enough information. He then stated who's the beneficiary of the company. POD has nothing to do with opening a business account. As stated above we provided everything we provided to other institutions upon opening accounts with those institutions. We further showed him the documents provided by XXXX XXXX and XXXX to us after opening accounts with them, to prove that we do in fact have accounts with them and they saw no problem with the documents we presented. We also showed him how the beneficiary owners of the company were documented by both institutions based on what we provided. We provided a duns number along with ein number and see no reason for him to tell us he could not open the account due to us not providing what everyones job/ position is at the company which has nothing to do with opening an account. He looked at us with disdain and an obvious biases. Told us he would contact us after his legal team reviewed our paper work but for now he would not open an account because it was more than likely gon na be closed after a review.. This is in our opinion discrimination and prejudgmental actions. We wish not to open a business account with PNC after this experience, and only seek to have this matter addressed so that potential future customers of our ethnicity will not have to experience such actions from the manager at that bank. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Willful Noncompliance : Experian didn't properly validate the disputed accounts

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint narrative:
This company felled to send me a 1099 when they filed a 1099 on my account.

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: 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.

Complaint narrative:
This company felled to send me a 1099 when they filed a 1099 on my account.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint narrative:
This company felled to send me a 1099 when they filed a 1099 on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Unknown Collections XX/XX/year> Fair Collections & Out Fair Credit Reporting Act 15 u.s.c & 1681 15 u.s.c & 1692 I am requesting the original agreements Collection with my authorize signiture too purchase my personal information is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX 2. XXXX - XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX - XXXX 5. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
Leased on XX/XX/year> a XXXX XXXX from XXXX of XXXX, XXXX dealership. XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX. 
The vehicle is a fully electric, no hybrid SUV. I specifically purchased/leased the vehicle because of the discounts applied and the IRS government rebates for the EV vehicle ; {$7500.00} from Fed and {$5000.00} from State. The sale representative, XXXX XXXX, said multiple times that she was excited for us to lease versus purchase because of the rebates that would be provided to us for the vehicle. Further, nothing in the lease agreement or disclosures stated we would not qualify for the tax EV rebates. Now, when I try to contact the dealership, they will not return my calls. If I was informed about the disqualification of the EV rebates, I would have kept my other XXXX as I was expecting {$12000.00} of discount against the lease and the ability to possibly later purchase the vehicle using the rebate money.

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: AZ

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates is using deceptive tactics to collect bad debit. The account was initially opened by XXXX XXXX XXXX back in XX/XX/XXXX, and it was written off/closed once it was settled with XXXX XXXX XXXX since XX/XX/XXXX. They had attempted to collect the full amount claimed by the original lender ( XXXX XXXX XXXX ) continuously with the intent to annoy, abuse and harass into paying after providing contact number and attorney in the XXXX XXXX XXXX program. Now, this has being reflecting in all XXXX credit bureaus and under debt -collection.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Willful noncompliance : I file a complaint, and Equifax didn't properly validate the debt

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
These are the Hard inquiries that needs to be removed immediately because it's fraudulent and inaccurate information XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EQUIFAX credit reporting ^r agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I ^r request that all written confirmation regarding CFPB complaint be sent to me via email to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I have been trying to pay down credit cards. I have automatic payments set up. I looked at my Chase account app and it says my account is closed. I called to find out what happened and was told that they mailed me something, but I have not received anything. They wont give me the information over the phone and said that they will mail me another letter. I live in XXXX XXXX, XXXX  and the mail is unreliable.

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: UPGRADE, INC.
State: FL

Complaint narrative:
I thought I had resolved this issue with Upgrade Inc Credit Card XXXX, I had gotten legal assistance to resolve this issue, it was removed then reinserted on my credit reports which has been nightmare and I am trying to get employment, etc. I made the mistake of requesting monetary compensation from them and I told the attorney that represents them that I still want this RESOLVED and REMOVED from all reports. They continue to LIE about the being sold, it was before but the third XXXX XXXX XXXX XXXX released the account back to them and the attorney for Upgrade had me sign an agreement with them to remove the accounts FROM any and ALL credit reports along with any records.

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

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

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: IN

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Global Tel*Link Corporation

Complaint narrative:
My son is a prisoner at the Indiana department of corrections south bend re entry center. 
Someone hacked his account and moved funds in his account from his regular account and on to his phone and TV accounts. On XX/XX/XXXX they moved {$XXXX} total. 
The facility did an investigation and found the responsible party, this person has since been sent back to a different facility. XXXX has not refunded his money back to his regular account yet. 
They know it was transferred fraudulently but have not done anything about fixing the problem.

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 a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX check not deposited. Company lied to me multiple times. No one has helped me resolve my issue. A letter arrived today with the reason it didnt clear. No one will return my overdraft fees. It is not my responsibility to pay them as its not my fault my good check didnt clear. I have contacted several employees the sherrifs office the legal office etc. please help.

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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I had a vehicle loan, that I voluntarily let them repossess, upon checking my credit recently I noticed that Wells Fargo is reporting I'm late on payments on an account that's been closed for over a year. Neither Wells Fargo nor XXXX will change this. XXXX even admitted they knew it was incorrect but are leaving it on my 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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Company is reporting to credit agency excessively with changed balances not the standard practice for reporting debts did not even know that debt was bought by this company midland credit. As an example updates to credit report were as follows and this is just from the end of XX/XX/XXXX. 

between XXXX balance increased {$XXXX} from {$XXXX} to {$XXXX} between XXXX balance increased by {$XXXX} from {$XXXX} to {$XXXX} between XX/XX/XXXX and XX/XX/XXXX balance increased by {$XXXX} from {$XXXX} to {$XXXX} between XXXX balance increased by {$XXXX} from {$XXXX} to {$XXXX} between XXXX balance decreased by {$XXXX} from {$XXXX} to {$XXXX} between XX/XX/XXXX and XX/XX/XXXX balance increased by {$XXXX} from {$XXXX} to {$XXXX} between XX/XX/XXXX and XX/XX/XXXX balance increased by {$XXXX} from {$XXXX} to {$XXXX} between XX/XX/XXXX and XX/XX/XXXX balance increased by {$XXXX} from XXXX to {$XXXX} This is a blatant attempt to ruin my credit and have dings continuously more than once in a month and none of these increases and decreases even make sense or are based on anything and is just for the sole purpose of decreasing XXXX XXXX.

Company response to consumer: Closed with non-monetary relief