vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: IN

Complaint narrative:
We were given a gift card as a gift. We went to spend the card inside a store ( XXXX ) and the card was declined. I contacted the company ( XXXX  ) and asked why it was declined and how to get it to work. 
- I was first told it was declined because it was not registered. I explained that I never had to register a card before in order to use it in a store. But, I tried registering it and could not get it to submit. 
- I called back and was told that was bad information. They told me there has been a lot of fraud lately, but did not explain how that connected to the card I was given. 
- They told me that they did see the card was activated correctly, but would not give me any more details. 
- I was instructed to go online and click a button titled " Card not working '' When I do, I get a " your request can not be completed at this time. '' - I called back and was told I needed to fax in a copy of the card and my drivers license. I was not comfortable faxing in my driver 's license. And, I don't have a fax machine. 
- They are also requesting the receipt for the card. It was given as a gift and I don't have that receipt. However, they have said they could see that it was activated.

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 2024-06-10 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX have incorrectly reported to LexisNexis that I had a lapse in insurance coverage on XX/XX/XXXX for tenant/property/umbrella/inland XXXX coverage and on XX/XX/XXXX for auto coverage. I contacted LexisNexis and opened a dispute for the case to be reviewed. I also provided LexisNexis via their document upload facility with proof that I did not have any lapse in insurance coverage. LexisNexis mailed me a letter dated XX/XX/XXXX stating that they reinvestigated the case and checked with XXXX XXXX and believe that the information they have is corrected. This is notwithstanding me providing them with copies of the policies and a letter from the underwriter at XXXX that I received via my insurance broker confirming that there was no lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
Purchased doll on XXXX using paypal for payment in the amount of {$1300.00}. The doll was received in terrible condition not as described. Filed return with XXXX whose customer service person told me to also file a claim with paypal. When I did that XXXX closed their claim. Claim was filed with paypal on XX/XX/year> case ID XXXX XXXX XX/XX/XXXX provided photos. XX/XX/year> shipped doll back to address provided by paypal according to paypal instructions. Tracking # XXXX with signature required. It was delivered XX/XX/XXXX, XXXX to seller. I was assured I would receive my refund by XX/XX/XXXX via site notification. I called on XX/XX/XXXX and was told by paypal customer service the refund would be done that evening. Today is XX/XX/XXXX and I received another notice via paypal site that they would get back to me on XX/XX/year>. The refund has not been made to me. I keep being told they will get back to me. The seller has the doll and I have received nothing. Paypal has all photos and information they asked me to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: IN

Complaint narrative:
I have tried to reach out to these companies to let them know that i do not owe them, but i am unable to get anything processed. I do not have any payment arrangement with these collectors. 

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 2024-06-10 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: IN

Complaint narrative:
I have tried to reach out to these companies to let them know that i do not owe them, but i am unable to get anything processed. I do not have any payment arrangement with these collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account 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 2024-06-10 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXXXXXX - XXXX {$370.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX - XXXX {$2100.00} XXXX  - XXXX {$3400.00} Accounts : XXXX - XXXX {$0.00} XXXX XXXX  XXXX - XXXX {$540.00} XXXX XXXXXXXX XXXX XXXX - XXXX {$0.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXXXXXX - XXXX {$370.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX - XXXX {$2100.00} XXXX XXXX XXXXXXXX {$3400.00} Accounts : XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX - XXXX {$540.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2024-06-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-06-10 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I made a {$200.00} payment to my XXXX account on XX/XX/year> online ( XXXX XXXX XXXX ) via an XXXX from my bank account, which in fact cleared and posted to my account. On XX/XX/year> I logged in to make a purchase and noticed my recent payment was not reflected in my available balance. I immediately called the number on the back of the card at XXXX XXXX. I was told because i am a new member it can take 21 days, but she said she didn't see an end date. I was also told if i want payments to reflect sooner to go into a store and make it in person with cash or debit. I've made payments in the same manner and this has not been an issue. I also have never heard of this type of policy in my many years of being XXXX at a financial institution for over 17 years as well as having many different department store cards. 

If this is how you treat new members I am afraid of how tenured members are treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
SYNERGETIC COMMUNICATIONS is a debt collector who is trying to collect a disputed debt that XXXX XXXX and ir says is mine. They are trying to bill me for repairs to an air conditioning system that is 1. Under Warranty and 2. Has faulty XXXX parts that they chose to install. We are disputing the validity of this debt and demanding that our credit rating be corrected. FURTHERMORE, SYNERGETIC COMMUNICATIONS has negatively affected our credit rating without any written or telephone communications to try to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: PR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
One XX/XX/year>, I contacted American Express about a late payment. I had a payment due for one of my cards on XX/XX/year>. I had forgotten to pay, but I have had 100 % perfect payment history for about 3 years. 

Amex initially told me they could not wave the fee, and they had no power to do so. I asked for a supervisor, and they waved it. I think it's unfair that they can charge a fee, and then be dishonest about not being able to take it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX and credit XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All stated previous page and all included in my credit files as I do not have a way to print these and too much hassle to try to find someone to print info out for me to relay direct to you. This is easily verified in my credit reports.

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 2024-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TN

Complaint narrative:
My student loans are handled by EdFinancial. I have been making automatic payments since the payments started back up in XXXX of XXXX. 
In XX/XX/XXXX, I signed up for the XXXX program, and had to submit another request for autopay. Which, I was later told it wouldnt be until XXXX that the autopay will kick in and Ill have to manually make the payments ( from XX/XX/XXXX to XX/XX/XXXX ). No worries, Ill do it until XXXX. 

I started receiving over due payment notices for XXXX via email. So, I called EdFinancial and was told that the payment wasnt applied and that a request was sent to apply my XX/XX/XXXX payment. 

I have checked my EdFinancial account weekly since XXXX to make sure the payment was applied. I also would call them to make sure the request is still in process. This has gone on from the end of XXXX to XXXX, and no resolve. 

Rather, XX/XX/XXXX, I go to make my XXXX payment, and not only do I notice that the XXXX payment has yet to be applied, but EdFinancial reversed all my payments from XX/XX/XXXX to XX/XX/XXXX. Resulting in a past due balance of over {$600.00} ( this total adds up from all the reversals that I have paid ). I called customer service and the representative alluded that I have not made payments. I reassured him that I have made all payments on time and that all payments have been withdrawn from my bank account with no refund at all. So, where is the money?! 
I have not received any refunds from them from the reversal. Also, I have checked my EdFinancial account weekly since XXXX, and the reversal was just done in XXXX. Otherwise, I would have called sooner. 

I called my banking institution for proof of payments and to confirm there hasnt been any reversal of payments on their end. They were able to confirm all payments dating back to XX/XX/XXXX have been withdrawn with no credits/refunds back to my account from EdFinancial. I submitted my bank statements dating back to XX/XX/XXXX to EdFinancial via fax and uploaded to me account. 

Another request was submitted to review my account to correct and apply payments. But the XXXX payment has yet to be resolved. 

Where is my money going? Because its not in my bank account. Id like this resolved by applying all the reversal payments on my account, and bringing my account back to current. Its the only fair thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had transferred money from my checking account to my XXXX account, which totaled out to be {$330.00}, that same day I went to a local store to make a purchase for {$32.00}, once I put my card Iin the machine it said declined, I couldn't understand why, so I did it again, it said declined again, I was totally confused and frustrated, so I XXXX searched for XXXX XXXX phone number, the person I was on the phone with said that there was suspicious activity on my account therefore they were going to proceed to find out why that was, well after few minutes verifying my with them. they said everything was fine, I guess it was because they took every dime out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 non-monetary relief