vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
( 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 2025-01-28 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: NJ

Complaint narrative:
I have been trying to fix my credit and log on for 5 months talking to countless representatives. I have submitted the requested documents proving who I am, all have all gone unanswered to resolve the problem. The verification of who I am is wrong so I can't set up an account to see my credit info or freeze or unfreeze 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 2025-01-28 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: IL

Complaint narrative:
XXXX XXXX, as of XX/XX/XXXX has been reported as charged off/never late with XXXX ( XXXX ) separate dates. Charge offs were dated for both XX/XX/XXXX as well as XX/XX/XXXX in the various amounts of {$5900.00}, {$6500.00}, and {$7600.00} labeled as Profit and Loss Write Off. 

XXXX XXXX, as of XX/XX/XXXX has been reported as Paid / Closed on XX/XX/XXXX. 

XXXX XXXX has been reported as of XX/XX/XXXX Closed/ Charged Off on XX/XX/XXXX in the amounts of {$5100.00}, {$6700.00}, and {$7300.00}. 

XXXX XXXX has been reported as of XX/XX/XXXX as Charged Off in the amount of {$1100.00}. 

XXXX XXXX XXXX has been reported as of XX/XX/XXXX as being reported for no amount shown, sold to Collections. 

XXXX XXXX has been reported as Paid / Closed as of XX/XX/XXXXXXXX XXXX XXXX acct beginning in XXXX has been reported as of XX/XX/XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reported as Sold to XXXX  XXXX XXXX  has been reported closed as of XX/XX/XXXX as the age of the account has also been reported as account age 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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is showing the same assumed debt on my credit report twice by XXXX and XXXX. This assumed debt is showing up as XXXX separate collections and has greatly impacted my credit score and credit profile. This same assumed debt is showing as XXXX separate derogatory marks and has caused my credit score to drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX, NY XXXX XXXX FAX XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - LEGAL VIOLATED FEDERAL LAW AS PER XXXX AND XXXX ( XXXX ) XXXX XX/XX/XXXX - SENT A LETTER TO THE LAWYER WITH LVNV FUNDING LLC XXXX XXXX XXXX AS PER THE ADVICE OF LEGAL XX/XX/XXXX - SENT LETTER TO NEW YORK XXXX XXXX REQUESTING THEY DISBAR UNDER THE FAIR CREDIT REPORTING ACCT AS THIS WAS COMPLETED AND PAID IN FULL AT OR PRIOR TO XX/XX/XXXX # XXXX - LEGAL ADVISE -WANT A PERSONAL AND PUBLIC APOLOGY IN LEUI OF {$50000.00} FOR XXXX AND OTHER XXXX XXXX WITH ISSUE DATING TO XXXX XXXX lender is in violation of federal and state law CONSUMER PROTECTION - FAIR CREDIT REPORTING ACT and was admitted to the bar in XXXX as per XXXX XXXX -Called in XX/XX/XXXX and requested the lawyer who sent letter to return call - this did not happen -Spoke with ID and XXXX on this issue and legal advised to file a civil and criminal charge if this is not resolved before end of XXXX signed electronically, XXXX via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
The XXXX XXXX XXXX, Portfolio Recovery and XXXX Funding have reported, called and sent letters to addresses I dont live or ever lived at. They have violated my rights based on - 15 U.S. Code 1692c - Communication in connection with debt collection states, this title, without the prior consent of the consumer given directly to thedebt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate. Also the inaccuracy reporting by XXXX and XXXX affects these challenges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: CA

Complaint narrative:
I did not receive any correspondence from the collection company about their ownership of this account!!! 
XXXX communication. 
It just popped up in XXXXXXXX XXXX XXXX on all my credit reporting agencies as collection account from Vance and Huffman for more than {$4000.00} ... .... 
I had no idea who they were and whom did they represent. I started to dispute this collection account with all the bureaus ... ... XXXX, XXXX and XXXX. 
Vance & Huffman kept replying to all the bureaus that debt is verified and legit. 
I have filed over 12 disputes and they were all rejected without any explanation. 
I finally called them not too long ago and was told who the original creditor was. 
Original creditor was XXXX XXXX, I received Pay Day Loan from them in XXXXXXXX XXXX XXXX 
I suffered XXXX XXXXXXXX XXXX next month and became XXXX XXXX. I have reached out to XXXX back in XXXXXXXX XXXX XXXXXXXX and explained my situation. They refused to cooperate with me or help me. They Charged Off this debt on XX/XX/XXXXXXXX  ( see attached email ) and I NEVER heard from either them or anybody else in regard to this matter, until this collection account showed up on my credit in XXXX XXXX XXXXXXXX from Vance & Huffman. 
which was more than 4 years after charge-off by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-28 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: MS

Complaint narrative:
According to the FCRA medical bills can no longer report on my credit report. This is a violation of my privacy and a violation of HIPAA. Account number XXXX should be removed from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
I applied for a XXXX XXXX XXXXXXXX XXXX card on XX/XX/XXXX. 2025. I was denied XXXX days later when I called to check on my card application. I called them again to see the reason for the denial. They provided vague answers. Other accosted stated they could not provide me with information and that Id have to await a letter. Did not receive that letter and after repeatedly calling, I kept getting transferred to a customer service line that seemingly does not operate because I have never been able to reach someone there.

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 2025-01-28 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: I.C. System, Inc.
State: GA

Complaint narrative:
As of today XXXX, of XXXX, my accounts and or transactions on my credit reports with XXXX, XXXX, and XXXX are not accurate and most have not been consented to pull hard inquiring and soft inquiring on my credit backing to the dates of XX/XX/year>. XXXX XXXX XXXX is stated to be open on XXXX XXXX with accreditable line limit of {$750.00} us dollars, with an {$55.00} us dollars balance, untrue, needs to be removed. XXXX XXXX XXXX XXXX, who is this company they need to provide consent signatures of contract to this debt of {$720.00} us dollars. XXXX XXXX XXXX has a {$28000.00} that I stated to a be a lease agreement on XXXX XXXX. This account was originally open with another financial agency, leaving to believe the contract was XXXX or nor voided. XXXX XXXX only reported half of the money given and received from this lease contract. I find that this is not consist or accurate the information and document I withhold pertaining to tis contract. Yes, will be reaching out via mail and online portals to clear matter. Due to inaccurate information disclosed on my reports misleading transactions has to lead to denial of applications and credit score to decline. All the reporting of address is wrong inaccurate and misleading to believe those are my residents. Reported cell numbers are in correct. Misspelling of my name is wrong and in correct. Is has led me to believe someone could have used my credit without my knowledge or consent due to denial of banks account openings. If the student loan is closed, there shouldn't be seen and reported to the bureaus.

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 2025-01-28 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: Kikoff Inc.
State: GA

Complaint narrative:
As of today XXXX, of XXXX, my accounts and or transactions on my credit reports with XXXX, XXXX, and XXXX are not accurate and most have not been consented to pull hard inquiring and soft inquiring on my credit backing to the dates of XX/XX/year>. KIKOFF Lending LLC is stated to be open on XXXX XXXX with accreditable line limit of {$750.00} us dollars, with an {$55.00} us dollars balance, untrue, needs to be removed. XXXX XXXX XXXX XXXX, who is this company they need to provide consent signatures of contract to this debt of {$720.00} us dollars. XXXX XXXX XXXX has a {$28000.00} that I stated to a be a lease agreement on XXXX XXXX. This account was originally open with another financial agency, leaving to believe the contract was XXXX or nor voided. XXXX XXXX only reported half of the money given and received from this lease contract. I find that this is not consist or accurate the information and document I withhold pertaining to tis contract. Yes, will be reaching out via mail and online portals to clear matter. Due to inaccurate information disclosed on my reports misleading transactions has to lead to denial of applications and credit score to decline. All the reporting of address is wrong inaccurate and misleading to believe those are my residents. Reported cell numbers are in correct. Misspelling of my name is wrong and in correct. Is has led me to believe someone could have used my credit without my knowledge or consent due to denial of banks account openings. If the student loan is closed, there shouldn't be seen and reported to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I was the victim of a identity theft case. I actually got all of my information stolen. All of my personal information was stolen and sold on the XXXX market. This happened XXXX, XXXX. I did not know this was going on until now which is XX/XX/XXXX. I had a terrible XXXX years. Which I am trying to recover from. I do not know who used my personal information... but I suddenly decided to check my credit report and found all of this negative stuff in it. I did a credit freeze to my account. Made a FTC REPORT and contacted the companies to help me! 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I took a loan amount of {$15000.00} on XX/XX/year> and it's for 0 % due to an offer from chase on my freedom unlimited credit card after that neither the bank nor the bank mobile application ever informed me that I SHOULDN'T make any transactions APART THE LOAN on that card as you can never pay the higher XXXX  % XXXX transactions either through the bank app on apple app store or the going to the near by bank itself which is making customers like me force pay the either the whole amount on the credit card or making me pay force pay interest to bank in the increasing fashion although I am ready to pay off the card transactions & interest that has higher XXXX  % XXXX. This is like forcing me to quit many things in real life early like pay towards my rent or utilities and making life 's of customers like me a living XXXX forcefully. They are by default applying the payments towards XXXX  % APR loan than applying it smartly over the higher XXXX payments or applying the payments with out taking my consent towards where it should go. 

This actually is financially impacting me as it's making me miss a earnest money and down payment towards purchasing a potential home for myself. It ruined my life in a way simply to say.

Here the financial organization is JP Morgan chase bank and most likely other banks in XXXX are also following the same process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I used Venmo to send money to and from my wife and friends for rent payments and other activities. My account was hacked and someone tried to purchase items through XXXX using my XXXX  account. I Put in a dispute with XXXX  as well as my financial institution. After my Financial institution resolved the situation, I closed that checking account since we believed it was compromised and opened a new one. After that instance I no longer wanted to be asscoiated with XXXX since they are prone to fraudlent activity like this. I opened the account in XXXX and used it until this incident in XXXX of XXXX. XXXX  will not close the account and remove my information without giving them personal identifiable information such as my ID as well as a selfie. They have no use for this as I can verify all numbers listed on the account if needed. They have no data that would help by sending them an ID. I messaged with Venmo representitives through email since that is the only way of communicating with account specialists. They Refused to close the account and stopped communicating with me without resolving the issue. I also asked to speak with a manager and a phone call which they refused to do. I used venmo without ever having to submit a photo ID and you can transfer money back and forth as long as you do not hold any account balance with venmo. I have kept reciving account statements from venmo even though my account is suspended. I would like my account closed to prevent my information being in a future venmo data breach, since that is what they do best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am formally writing this letter because of my concerns on how Zelle handles there disputes.I have put multiple disputes in for unauthorized transactions and every time they fail to actually properly investigate my claims. I have lost out on so much money due to this inquiry so Im tired and I dont know where to go to be heard. If I could be reimbursed for all my funds that would be great too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am the executor of my Fathers 's account that he has with PNC Bank. I visited the branch in XXXX on XXXX XXXX XXXX, PA to be able to access the account and its funds. The woman told me that I needed the death certificate and a copy of the funeral expenses ONLY. I came back a few days later with that information only to be told I was not able to get the funds because the receipt I have doesn't state that the funeral was paid in full. I have a few worrying takeaways from this besides being frustrated with the experience : XXXX. Why is it that anyone can walk into this branch with the death certificate and a copy of the funeral expenses and receive the money from a deceased account? The law states that only the joint account holder or executor can access accounts. 
XXXX. An executor does not need to use any funds for the funeral. They can use it to pay off debts or handle probate proceedings. Why am I not able to access these funds without the very specific funeral expense receipt? 
XXXX. When I called customer service they clearly stated that I would need a court document stating I am the executor to be able to access the account but when I walked into the branch they didn't even care to see it. Who is PNC hiring to work at their branches? 
XXXX. The only way they said I could access the funds was to open an estate account with them. There is no law stating that I am required to do my estate handling with the same bank as the deceased. 

The frustration is for me but also for anyone else who could be going through a really difficult time. This type of negligence is simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
I am a victim of identity theft. I have included the proper documentation with my report. There are inaccuracies with both inquiries and a XXXX  XXXX account that need to be removed from all XXXX credit reports Equifax XXXX and XXXX

Company response to consumer: Closed with non-monetary relief