vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
I purchased a debit card. I asked the vendor if I could activate it later. She said yes. I called the credit card company, XXXX, on their help line if I could activate it later without any fees. They confirmed I could activate the card and inactivity would not begin until after I opened the product, dialed the number, and activated the card. However, that was not the case. I opened the product 90 days after the purchase and activated the card. It had fined me over {$100.00} in inactivity fees. That's XXXX XXXX XXXX dollars. I called to reconcile the matter. I explained the extenuating circumstances and requested additional information about registration, inactivity, theft, fees, activation, and possible solutions. The customer service representative was in an awkward position, I recognized. I empathize. I suggested a call back from someone more knowledgeable about the legal aspects of the matter, in addition to fiduciary obligations, and possible regulations that XXXX steamrolls if unnoticed by the prodigious CFPB. I have been in a similar situation responding to calls that were outside my scope and required further documentation. So the CSR rightly escalated the call to his supervisor, who refused to answer any of my questions. Instead he informed me that the call was being recorded, which might be perceived as a warning. Rather addressing even clarification questions, the supervisor corrected my bad behavior as a consumer. I listened for another five more minutes before I gave in and politely thanked him for his corrections. Perhaps the third call will improved results. However, there is the serious matter of punishing the victim. Since I had recently recovered the physical card, XXXX privileged to add these predatory fees the day I activated the card. I have so many more questions. What is the difference between registration and activation? Why would the vendor have different rules from the loan shark, the official issuing abdorbidant fees? How do I prove it was lost/stolen? Finally, what is their log of transactions from registration to complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permission purposes. I also attached evidence 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 XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These inquiry has no permission purpose of being on my report XXXX Delete this inquiry due to violation of 15USC 1681b.

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 2024-11-05 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: NJ

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permission purposes. I also attached evidence 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  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiry has no permission purpose of being on my report XXXX Delete this inquiry due to violation of 15USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts on my credit report as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items blocked and removed from my credit file. 
The specific accounts that need to be blocked and deleted are as follows : 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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was not able to withdraw funds at two different in-network ATMs. Both XXXX and XXXX  ATM transaction receipts referred me to the card issuer. ALLY Bank Customer Service agents XXXX and XXXX tried to help. They provided me with ATM withdrawal limits that did not match my written bank contract. BUT, the limits were greater than the amount of my withdrawal. They both informed me that there were no limits or restrictions on my ATM card that would have prevented my withdrawals of under {$2000.00} USD. I asked for escalation and was put in contact with XXXX XXXX XXXX XXXX. He provided the same erroneous ATM withdrawal info and admitted he was also unsure as to exact details. No one could help me with any assurance that I could access my ALLY Bank funds in any way keeping in mind that ALLY Bank has no physical branch locations. I consider this incident retaliation for having filed CFPB Complaint XXXX on XXXX for similar breach of contract and denying me access to my ALLY Bank funds. I am requesting you help in gain access to my funds from these thieves as well as keeping ALLY Bank from assaulting me with any further retaliation as I suspect is the case in the matter I am complaining about.

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 2024-11-04 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: MO

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-04 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: MO

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request assistance regarding the ongoing dispute and reinvestigation of a debt reported by XXXX XXXX XXXX. The original creditor for this debt is XXXX, with a balance of {$2900.00}. Despite my previous efforts to resolve this matter, I have not received an appropriate update on the status of my dispute. 

Background of the Dispute : I contacted XXXX XXXX XXXX directly to address and clear the alleged debt and requested that they update their records accordingly. 
Despite these actions, there has been no confirmation of the resolution or a change in the status of my debt. 
To date, XXXX XXXX XXXX has not provided the requested documentation or an update on the reinvestigation related to this matter. 
Request for Validation and Investigation : Proof of Debt and Reinvestigation Findings : I am requesting full documentation related to the reinvestigation of this debt, including : The outcome and findings from the investigation conducted by XXXX XXXX XXXX. 
Any communication records or documentation confirming that the reinvestigation was completed. 
Assignment Contract and Proof of Collection Rights : I request a copy of the original assignment contract or any agreements that demonstrate XXXX XXXX XXXX has the right to collect on this debt. This should include : Details proving the assignment of the debt from XXXX to XXXX XXXX XXXX. 
A clear chain of title, if applicable, that outlines how the debt was transferred. 
Updated Account Status : I request an update on the current status of this debt, including any changes that should reflect the resolution following my direct communication and dispute. 

Legal Basis for My Request : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, consumers are entitled to request validation of a debt and detailed information ensuring the debt is accurate and enforceable. Additionally, any delays or failures to respond to such a reinvestigation request violate consumer protection laws, which I am entitled to under federal regulation. 

Action Required : I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX provides the requested documentation or updates the status of my debt in compliance with the FDCPA. 
If discrepancies are found, I request that XXXX XXXX XXXX cease reporting this debt to credit bureaus until the issue is resolved. 
Conclusion : This request is urgent, and I expect a response within 30 days of receipt of this letter. Please notify me of any developments or if any additional information is needed to assist with this matter. 

Thank you for your prompt attention to this issue.

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 2024-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Complaint Against Equifax for Non-Compliance with FCRA Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for its ongoing and blatant disregard of the Fair Credit Reporting Act ( FCRA ) guidelines, specifically concerning identity theft protection and accurate credit reporting requirements. Despite providing Equifax with a validated Federal Trade Commission Identity Theft Report ( # XXXX ), police documentation, and verification of my identity on XX/XX/ 2024, Equifax has failed to comply with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This provision mandates that credit reporting agencies block fraudulent information from credit reports within four business days upon receiving appropriate documentation.

Equifaxs failure to remove this fraudulent account has caused significant financial and emotional harm, including denied credit applications and damage to my creditworthiness. This ongoing non-compliance demonstrates Equifax 's unwillingness to adhere to consumer protection laws, and I am requesting the CFPB to take enforcement action against Equifax to ensure compliance and accountability.

Attached is the demand letter I sent to Equifax, which provides detailed evidence of their non-compliance. I am seeking the CFPBs intervention to compel Equifax to follow the law, remove the fraudulent account promptly, and address the damages caused by their negligence.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: NY

Complaint narrative:
My credit report currently contains items resulting from fraudulent activity, from which I received no benefit and to which I did not consent. I have formally reported these fraudulent entries to the Federal Trade Commission, yet they remain on my report. Their continued presence is causing unnecessary damage to my credit standing and personal reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I mailed a Identity theft report from the Federal Trade Commission to Experian regarding fraudulent accounts showing on my credit report. Which are XXXX XXXX Account XXXX Balance {$990.00} XXXX XXXX Account XXXX Balance {$320.00}. 

On XXXX Experian sent me an email regarding the outcome of the dispute. 

Stating that the Identity theft was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. 

But Experian failed to understand that Indeed ( The Federal Trade Commission ( FTC ) functions primarily as a law enforcement agency. ) Experian Also stated that the accounts were VERIFIED AS ACCURATE. 

I have provided Email Experian sent and also the dispute results!!

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
15 U.S.C. 1692g, I would like for you guys to verify my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Dear TD BANK Sir/Madam, I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : XXXX. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the doctrine of estoppel by silence ( XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I had a check deposited from a customer of mine who endorsed it to me ( third party ) into my account I had a contract available with my customer, and her father and also had copies of the contract signed by both of them. The dad filed a dispute with their bank after the check had cleared which led to my account being closed after willingly signing the check and providing consent. I have provided all documents requested including consent/contract from the account owner and signed by both parties in front of a notary. Their bank is refusing to pay funds even though it had already cleared and my bank is refusing to return the remaining balance of my account after closing after ensuring they would release the funds and remove the hold if I provided them with the contract. I bank with USAA.

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 2024-11-05 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed unauthorized information regarding inquiries to be in lister. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. I have not authorized access to my credit report.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: ID

Complaint narrative:
I activated the offer for XXXX XXXX XXXX on my Ace Elite Netspend account. The terms stated that I would get {$40.00} back for making a wireless plan purchase of {$65.00} or more. The offer was good for all of XXXX and I made the purchase on XXXX. I should have received the cashback within 5 business days but I haven't. XXXX XXXX is refusing to pay out the cashback.

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 2024-11-05 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: TX

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

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 2024-11-05 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: TX

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

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 2024-11-05 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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

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