vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I recently purchased 5 x {$100.00} XXXX gift cards, and 3 x {$500.00} XXXX XXXX gift cards, locally at a XXXX affiliate XXXX 's XXXX. Each of these gift cards were tampered with and compromised- which was immediately obvious only after purchasing and opening the packaging, as the cards were dirty and covered in glue and tape. None of the cards contained any value whatsoever, even though I scanned them at the register and paid for them, and the receipt shows that they were activated. Since the store policy is that all gift card sales are final, they advised me to contact XXXX corporate and submit claims to XXXX. I subsequently filed cases and they have refused to return my money, stating Blackhawk has denied the claim. Please reference the following XXXX case numbers : XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This complaint serves as my FINAL opportunity to cure and request for XXXX relief. In my previous complaints, I informed you of the laws and rights that you have violated. I informed you that failure to DELETE these accounts would be construed as willful non-compliance. 
To date some accounts have been closed but are still on my credit report, I am requesting that you DELETE ALL closed accounts immediately. 
None of the inquires have been deleted, PLEASE DELETE IMMEDIATELY As I am always willing to learn, if I am wrong and do not have the authority to make these requests, please provide the law that states so. Id also like for you to provide the contract you have between us authorizing you to have authority over me as it pertains to the information that is furnished on MY consumer report. As stated in the FCRA ; Congress makes it clear that Credit Reporting Agencies are to act in the best interests of the Consumer.

You are defaming my character and Violating my God-given right to privacy You have violated 15 USC 1681n Civil Liability for Willful non-compliance.

Because you failed to delete the accounts and inquiries as instructed, I am entitled to {$1000.00} per closed account that remains on my consumer report and {$1000.00} for failure to delete inquiries. Please be advised that your failure to remove the accounts/inquiries and pay the attached invoice will leave me no choice but to take legal action and sue for personal damages, punitive damages, plus attorney and filing fees. I am giving you the opportunity to avoid legal action by correcting your errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted, and the apartments underwent 3-4 changes in property management companies. When I got closer to my lease term, I decided to re-establish my credit to purchase a home. When my credit was pulled by a loan officer, the apartments filed three erroneous judgments against me with the XXXX XXXX Magistrate Court. 

The current manager at that time, XXXX XXXX, said he received many complaints about previous management and was informed they were illegally filing judgments from tenants after collecting rent. He drafted and filed a letter with the Court showing that I was in good standing and that the judgments needed to be satisfied. However, I have attempted to apply for a rental home and apartment, and the judgment remains on my public record : XXXX XXXX. XXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. 

I called the magistrate court, and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of Judgment. XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone : XXXX. Every third party, the apartment or property management company for a rental home, denies me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX Magistrate Court, or XXXX XXXX XXXX should resolve this matter. I checked XXXX, XXXX, and XXXX, and the judgment is not listed. This must be on a third-party tenant database. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/XXXX, and the apartment is under new management again. I spoke with the Asst Mgr, and he stated he has no digital or physical files that I ever resided at XXXX XXXX XXXX. He suggested that I contact XXXX XXXX. I looked up the company, and their number is no longer working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to remove me from being lates on XX/XX/2021 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXXXXXX Balance : {$38000.00}

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$4.00}

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$4.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
These Accounts don't belong to me. Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX # XXXX, Account XXXX  XXXX XXXX XXXX  XXXX, Account XXXX XXXX  XXXX XXXX and Account 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 2022-07-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Finance
State: CA

Complaint narrative:
I recently purchased XXXX x {$100.00} XXXX gift cards, and XXXX x {$500.00} XXXX XXXX gift cards, locally at a XXXX affiliate XXXX 's store. Each of these gift cards were tampered with and compromised- which was immediately obvious only after purchasing and opening the packaging, as the cards were dirty and covered in glue and tape. None of the cards contained any value whatsoever, even though I scanned them at the register and paid for them, and the receipt shows that they were activated. Since the store policy is that all gift card sales are final, they advised me to contact XXXX corporate and submit claims to Blackhawk. I subsequently filed cases and they have refused to return my money, stating Blackhawk has denied the claim. Please reference the following XXXX case numbers : XXXX, XXXX, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX  XXXX XXXX Balance : {$5100.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my XXXX XXXX? Through a written letters sent on XX/XX/2022, I requested the Credit Bureaus for the investigation and correction of these accounts and yet upon reviewing an updated copy of my Credit report, it is clear that they have done nothing. Let me remind the Credit Bureaus that they are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that the Credit bureaus take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. 
1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT ED/XXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my XXXX XXXX? Through a written letters sent on XX/XX/2022, I requested the Credit Bureaus for the investigation and correction of these accounts and yet upon reviewing an updated copy of my Credit report, it is clear that they have done nothing. Let me remind the Credit Bureaus that they are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that the Credit bureaus take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. 
1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT ED/XXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT ED/XXXX XXXX Balance Owed : {$1700.00} 11. DPT ED/XXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I financed with Westlake Financial Services for my first car. The first payment was XX/XX/XXXX, and it was denied for insufficient funds ( I did not have overdraft protection and because of pending charges, I was - {$40.00} after the payment came out. ) I asked for an extension to XX/XX/XXXX, and they granted the extension. They told me to make the payment with the late fee. I made the payment, and was unaware they took another one out the same day. I saw that they took it out after my first payment went through, so I asked for them to refund one. They said they would, then refunded both. Afterwards, it said that I was about 2 weeks late on my payment and I was not allowed to make automatic payments or manual online payments anymore because I had been refunded too many times. They called the dealership and said that if the dealership themselves didnt pay my balance, they would repossess my car before the 30 day timeframe, and that I defaulted on my loan.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently sent the XXXX credit bureaus a request to CORRECT the account from the " In Dispute '' status. I just reviewed my credit report and this request was NOT handled properly. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies Here is the account that needs to be corrected. 

XXXX XXXX XXXX XXXX Late Date XX/XX/21

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently sent the XXXX credit bureaus a request to CORRECT the account from the " In Dispute '' status. I just reviewed my credit report and this request was NOT handled properly. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies Here is the account that needs to be corrected. 

XXXX XXXX XXXX XXXX Late Date XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently sent the XXXX credit bureaus a request to CORRECT the account from the " In Dispute '' status. I just reviewed my credit report and this request was NOT handled properly. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies Here is the account that needs to be corrected. 

XXXX XXXX XXXX XXXX Late Date XX/XX/21

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Applied to Wells Fargo for a active cash card which has a cash refund plus has a cash back for charges. Was approved immediately. When I received the card it was a reflect card which has no benefits. Called Wells Fargo many times but was always transferred with no results. This is a bait and switch scam. I do not want anything further from Wells Fargo, I am now only reporting this scam.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, account XXXX XXXX XXXX acct # XXXX, Dept of EdXXXX account XXXX XXXX, Dept of Ed/XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX Dept of Ed/XXXX  account XXXX XXXX , violated my rights 15 U.S.C. 1681 Section 602 A states I have a 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 written instructions.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, account XXXX XXXX XXXX acct # XXXX, Dept of EdXXXX account # XXXX, Dept of EdXXXX account # XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Ed/XXXX  account XXXX XXXX , violated my rights 15 U.S.C. 1681 Section 602 A states I have a 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I financed a car from creditacceptance and they are not reporting my payments to the credit burea, I purchased the car in XXXX and they have not reported one payment yet, and that makes my credit look bad.

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