vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My XXXX XXXX XXXX mother buys gift cards for our family at XXXX, all must be registered through prepaidgiftbalance.com before they can be used. 
When I went to activate the cards on line an error is reflected. I then tried to get help on line. The company for assistance on line makes customers provide the below information : XXXX barcode on the back of the card, the XXXX card number and XXXX security code ; Front and back photo of gift card ; Receipt of gift card purchase ; Valid Photo Identification ; Cardholder name ; Cardholder address. 
We wanted to use the cards that day so I called the number provided on the website, XXXX. The customer representative told me the cards had been locked out and to XXXX my Social Security XXXX and ID to them with a picture of the card. 
We now have XXXX gift cards in the amounts of {$50.00}, {$100.00}, {$150.00} and an unknown amount that an XXXX XXXX XXXX spent her limited income on that are worthless! Disgusting! 
All cards purchased at XXXX 's, XXXX XXXX, XXXX CA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
The primary issue here is the need for clarification with the other institution, not the {$200.00} refund. I can not proceed with the other institution without them receiving confirmation from Affirm. 

This situation arises from Affirm 's improper closure of my Money account, which has caused significant issues. As a result, XXXX is unable to return the {$1000.00} to Affirm or XXXX XXXX XXXX, and they are currently withholding my XXXX funds because of this {$1000.00}. It is Affirm 's responsibility to clarify this transaction with XXXX. 

I kindly request Affirm to take one of the following actions : Option XXXX : Request the {$1000.00} withdrawal from XXXX and deduct it from the associated XXXX bank account.

Option 2 : Contact XXXX and confirm that Affirm/XXXX  XXXX XXXX  will not request the {$1000.00} directly from XXXX, but instead will seek it directly from the customer. 

Either way, Affirm needs to clarify these transactions with XXXX promptly, as XXXX has already attempted to contact Affirm and requires a response with the necessary clarifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Tired of being ignored month after month about inaccurate information which has never been verified to me after asking for proof of the reporting. I am yet to receive proof but still this inaccurate information keeps reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I went to my bank and ask them can I get a loan. They gave me paperwork. I got the loan then they stopped my account and card and return the loan to lending usa. The bank says I have to pay XXXX dollars. I thought I would have the loan I didn't get the loan so why do I have to pay XXXX dollars.

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 2024-05-28 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: FL

Complaint narrative:
BY 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. XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX, and XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX A Account Number : 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING 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 non-monetary relief
Consumer complaint received 2024-05-28 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:
BY 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. XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, and XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cascade Collections, Inc.
State: OR

Complaint narrative:
Cascade Collection Service contacted my husband 's ex-wife about my debt. He has not been married to her for over 12 years. She does not live with us or in the same town. There was no reason for them to reach out to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-29 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: FL

Complaint narrative:
Delete these inquiries. I am not informed about them, and the company did this without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Mortgage lender has tried over a dozen times to pull my report and keeps running into a bureau remark that states ''Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery ''. I've called XXXX numerous of times and they keep stating that the information enter is correct and there isn't nothing stopping the lender from getting the report. I've seen online that there has been many cases with people that have had this same issue with just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
Dispute is with Marcus, an online bank of Marcus Sachs.

Several months ago I had a CD mature. The money rolled into a Marcus savings account. When I tried to transfer the funds to my local WESTconsin branch I was told the transfer could not be made. Initially they wouldnt give me a reason. After calling numerous times over several weeks I was told my phone was not registered in my name. Instead the phone came up as registered to a DECEASED PERSON!?! Therefore they were unable to send a verification text to my phone.. ( Because it wasnt mine I suppose.. ) I provided everything they asked for : last 4 digits of SS, birthdate, and secret word. Nothing! I was left with providing the same information over and over and receiving nothing but phone script in reply. Finally a person on the second or third tier gave me the info about a deceased persons phone. He sent me a form to be notarized verifying my identity. The form was filled out and notarized and returned to Marcus. That was at least two weeks ago. Since then bupkus. Nothing, zilch, nada. Not a word of explanation. Please note this is not about a bounced check, or phony deposit. This is my money from a mature CD that they refuse to release. And really crummy customer service I might add. Nobody offering phone calls or any explanation or making any attempt at resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
I am not liable for this depth with XXXX XXXX XXXX. I do not have any account with XXXX XXXX, the collection agency that is trying to collect on this debt. I have never entered into any contract or done any business with XXXX XXXX. 
Account # 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 2024-05-28 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: BTH Management
State: WA

Complaint narrative:
I had a loan with a payday loan place that I paid back but then i got notice that i hadn't paid everything. Not i see that there is a collection on my credit report for the full amount. I have tried asking the compnay for a debt verification and recieved nothing in return. Please help me to have this company stop attempting to collect a debt twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX XXXX XXXX, and upon reviewing my credit report from XXXX, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XX/XX/2024 I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted XXXX to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX XXXX XXXX, and upon reviewing my credit report from XXXX, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted XXXX to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,

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 2024-05-28 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: ID

Complaint narrative:
I am a consumer by law. My credit report has false and unfair reporting that is damaging my ability to get an apartment for my kids. Of course I am upset about this so I ask that this false information get removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: MD

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I am currently involved in a bankruptcy, XXXX XXXX. My loan was recently transferred to Aidvantage & they are trying to collect payments from me. I was under the impression that as long as the bankruptcy was active I did not have to make payments. I reached out to the company & they told me because the loans were taken after I filed bankruptcy I have to make monthly payments. My previous loan service was XXXX & I was never contacted about making payments of any kind. I do not remember the exact date the bankruptcy began but I believe I was already in school when we filed. They are also charging me monthly interest on the student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: Credit Systems International, Inc.
State: AL

Complaint narrative:
THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH XXXX, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS XXXX XXXX {$1100.00}, CREDIT SYSTEMS {$92.00}, XXXX. XXXX XXXX {$180.00}, XXXX XXXX {$820.00}, XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Documentation was sent to XXXX to remove the XXXX late day posted in XX/XX/XXXX. At that time I was on the SAVE program and was not required to make any payments. Also my student ; oans were forgiven in XXXXXXXX XXXX XXXXXXXX by the government so there should have been no late payments posted to XXXX at all and they will not remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CL Holdings LLC
State: AL

Complaint narrative:
THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH XXXX, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS JEFFERSON CAPITAL {$1100.00}, AND XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I deposited {$1700.00} in cash at ATM machine from Bank of America. The machine took the money and started counting and all of the sudden stopped the screen when Black in the machine completely stopped there was no noise and no action on the screen. I never had this happened before, I waited after a minute or two I dont know how long the screen started to show some letters and names like labels of the company think like that. Eventually, the machine started making noise again like it was processing something. The screen came on the Bank of America screen, and it gave me my debit card back, I was able to log out and I went back in to see if the transaction went through to my amazement there was no money in the account except for a - {$20.00} balanced. I tried to talk to the bankers inside the office and nobody opened. Eventually employee came out that was leaving for work and I explained the situation he looked at the machine, but he said he couldnt do anything because it was a temporary assignment. This happen on XX/XX/XXXX between XXXX and XXXXXXXX XXXX. This happened at XXXX XXXX XXXX XXXX, XXXX. Boa Claim # 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 monetary relief