vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I requested for my refund check for a gift card dispute which I won, but prior to requesting I applied for a name correction which was approved so when I got to XXXX I could not cash it because they said an alphabet is missing XXXX XXXX is on the check but my new ID now has XXXX XXXX ( receipt attached ) I sent an email to XXXX on XXXX XXXX / XXXX  to inform them of the name change from XXXX XXXX XXXX XXXX XXXX and I submitted my ID to back it up, ( XXXX ) in the email I also informed XXXX XXXX void the check, I never got a response so I called XXXX XXXX on XX/XX/2024 to get an update, XXXX XXXX few days later that my check was cashed on XX/XX/2024! I requested for a cleared copy of the check which XXXX refused to produce, I checked the waste and saw the check signed on another name entirely, so definitely the fraudster used a mobile deposit, and that should make it easy for XXXX because theres meta data, location, time stamp and all but XXXX are enabling and protecting. Fraudster also how did XXXX XXXX cashed a check for the scammer when it was clearly written at the back of the check that POSITIVE ID REQUIRED AND THIRD PARTY ENDORSEMENT IS PROHIBITED? ( IMAGE ATTACHED ) I DO NOT KNOW ANY XXXX XXXX XXXX that is the name signed on the back of the check I WILL NOT BE RESPONSIBLE FOR A LOST OR STOLEN CHECK I WANT MY {$500.00} CHECK ON MY CORRECTED NAME XXXX XXXX AND I WANT IT EXPEDITED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX sent me the document stating that the information provided in the documents is a valid digital signature giving permission on the date reported start date of account. I requested that all of the information in the documents me verified as % 100 Accurate and complete without withholding information. 

XXXX XXXX refused to identify that they are not withholding information and didn't provide a clear statement identifying that the proof of digital signature provided in document with contract is infact % 100 accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/year>, NOTIFYING THEM OF THE FRAUDULENT INQURIES. I SPOKE WITH REPRESENATITIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02 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: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX Colorado. As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by The Art Institutes, the Biden administration has just announced a blanket discharge for anyone enrolled at The Art Institutes from XX/XX/XXXX to XX/XX/XXXX. 

My Federal loans in the amount of {$70000.00} were discharged and my credit repaired. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XXXX  months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 

After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance?

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices?

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved.

This application is a sham.

Why do we need to prove anything?

Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! 

It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: PA

Complaint narrative:
Unauthorized Hard Inquiries!!! Information Researc
h XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Frontier Airlines delayed XXXX XXXX  or more on XX/XX/XXXX for the XXXX XXXX ( below ) flight, and they are not providing the refund while asserting falsely that I cancelled my flight. I indicated this matter to Barclays Credit Card, but they did not have a complete investigation but they are charging my credit account stading on the side of Frontier Airlines after providing me a temporary credit. Even though it was non-refundable ticket, the frontier airlines should have allowed a partial refund to my credit card or give a flight voucher to fly on the future fligh since it was their flight operation fault, not by weather or natural disaster. It was the return trip that they delayed for more than XXXX hours, and I already agreed to pay one-way trip. 

They also have this commitment to the passengers : Alternatively, if your flight is canceled or delayed in excess of XXXX hours, we'll provide you, upon request, a full refund of any unused portion of your ticket. 

FRONTIER SCHEDULE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Take-off XX/XX/XXXX, XXXX Landing XX/XX/XXXX, XXXX Flight duration XXXX XXXX XXXX XXXX  Confirmation Code : XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Passengers XXXX XXXX XXXX DEPARTING FLIGHT Flight Details Flight : XXXX Departure : XXXXXXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  Arrival : XXXX, FL ( XXXX ) - XX/XX/XXXX XXXX XXXX {$190.00} Purchase Date : XX/XX/XXXX Payment : XXXX XXXX | Exp. Date : XX/XX/XXXX XXXX 'S CHARGES AFTER TEMPORARY CREDIT FRONTIER XX/XX/XXXX {$96.00} XXXX XXXX  Miles XXXX XX/XX/XXXX {$48.00} XXXX 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 2024-05-02 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have disputed several accounts with XXXX, most of the accounts stem from the Comenity Creditor. A lot of these accounts were charged off and paid via XXXX XXXX XXXX. I have disputed them several times with XXXX and their updates yield no results after their investigation. They say that they have updated the accounts, but there is actually no exchange, except maybe the wording that says I disputed it. These accounts say there are closed and written off, when they are in fact paid in full or settled. Also, some have payment amounts that appear to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-02 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-02 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: NC

Complaint narrative:
I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/year>, NOTIFYING THEM OF THE FRAUDULENT INQURIES. I SPOKE WITH REPRESENATITIVES IN THE XXXX DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-02 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 RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024, NOTIFYING THEM OF THE FRAUDULENT INQURIES. I SPOKE WITH REPRESENATITIVES IN THE XXXX DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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:
PLEASE BLOCKED AND REMOVED This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Every time I try to transfer money from Marcus to an account I own at another bank, different problems happen. It is almost impossible to get my money out. Searching XXXX, it is clear I am not the only one Example problems : 1/ Transfer reversed due to suspected fraud ( no phone calls to check anything, just a full reversal I happened to notice ) 2/ Phone rep telling me my birthday or social is wrong 3/ Supervisor hanging up during the handoff from the phone rep 4/ Waiting 20min for a phone rep to get approval just to send me an OTP over text to validate me ( why do they need approval? ) 5/ The bank requiring a three-way phone call with the destination bank to validate my account, despite me already doing that at the website using Plaid 6/ The bank needing a second three-way phone call because they forgot to write down the account number after confirmation 7/ The bank rejecting a second transfer to an approved account even after all of the above 8/ Pull transfers from other banks also being rejected I really feel like my money is being held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I never received XXXX stimulus refund. I then called to receive a new card and found out the card was empty since someone had used all the funds. I filed a dispute last year ( XXXX ) around XXXX. It's been over a year and my dispute hasn't been settled and Everytime I call they give me a different answer on what's happening with my case.

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 2024-05-02 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: OK

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: OK

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-02 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: OK

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-02 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:
To the honorable CFPB regarding the unlawful inaccuracies reporting on my credit reports from all XXXX major credit bureaus Experian, XXXX and XXXX. 
I have tried to call and mail, and dispute online but these XXXX credit bureaus have not provided to me any official documentation that would suggest that these inaccuracies are in fact my own. 

Furthermore, by law there should not be any collections, charge offs late payments, hard inquiries or incorrect addresses on my credit file credit report. Currently those items are showing on my credit report. 

I would like to have these removed from my credit reports in all XXXX credit bureaus please. 

Here are the legal provisions that prove my honest request is valid : XXXX XXXXXX/XX/XXXXXXXX pertains to collections, XXXX XXXXXX/XX/XXXXXXXX addresses charge offs & repossessions, XXXX XX/XX/XXXXXXXX relates to late payments, XXXX XXXX Code XXXX deals with hard inquiries. 

My credit reports have at least XXXX of each of these negative items. Please Grant my request. Thank you.

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