vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 00:00:00
Product: 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: MI

Complaint narrative:
XX/XX/year> I tried to use my balance of {$40.00} on a purchase from XXXX XXXX. The online site told me the card was not good. I called the number for balance and found there was {$40.00} on card. 
I then called the number to reach an live agent to place the purchase and they too could not place the order. They too called to check balance and were told it was active and had {$40.00} cents available. This went on for 90 minutes. I numerous times asked to speak to " leadership '' and was never granted that request. The agent told me there was nothing he could do and leadership told him for me to put it on my credit card. I asked why i would do that when i had their gift card with {$40.00} that i wanted to us. At than time while on one telephone line with XXXX i called the customer service line from my other line, i was on the phone with XXXX for XXXX minutes They were unwilling to replace the card. They said i could make the purchase and that would leave {$12.00} on the card but could not tell me i would not have the same problem when i went to use it again. I said that was not acceptable and wanted a replacement card for the full amount. 
After XXXX hours of trying to purchase a {$19.00} item i just gave up. 
My husband heard the whole conversation and sent me your link. 
Nothing was resolved, they have {$40.00} cents of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax and XXXX. XXXX, Equifax and XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NM

Complaint narrative:
I am dispute inaccuracies on my credit report concerning an account reported by XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) mandates accurate, complete, and verifiable reporting, but this account violates several provisions of the FCRA. Below, I outline the specific issues : 1. Discrepancies in Reporting Comments Across Credit Bureaus : XXXX : Dispute resolved; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Consumer disputes after resolution.

These inconsistent comments suggest that the dispute status was not updated or resolved uniformly.

2. Late Payment Reporting on a Closed, Paid Account : The account is marked as Closed and has a {$0.00} balance, but there are repeated 30-day late payment marks in the payment history. Late payments should not appear on a closed, paid account if they are inaccurate or unverifiable. 3. Failure to Update or Remove Dispute Comments Afte
r Resolution : The comments imply that the dispute was either not properly resolved or updated across all credit bureaus. This can mislead potential creditors.

4. Inconsistent Reporting Dates : The last reported date varies between XXXX ( XX/XX/year> ) and Equifax ( XX/XX/year> ), which creates inconsistency. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to maintain accurate and consistent reporting. The discrepancies in comments and dates violate this provision.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the dispute was resolved, the credit bureaus and the creditor failed to update the account and remove dispute comments, which is a violation. 3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate or Misleading Information : The creditor may be reporting unresolved or incorrect dispute informati
on, as well as late payments on a paid, closed account.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Late payments reported inaccurately or beyond the permissible time frame violate this section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( s ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( s ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account XXXX. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amounts -Past-due amount -Account status -Charge-off amount The specific account ( s ) in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, a charge of {$740.00} was made to my Cash App card, which I did not authorize. Upon noticing the charge, I immediately reported it to Cash App and ordered a replacement card because mine was missing. 

Cash App investigated the matter and denied my claim, stating that I made the transaction. They provided a list of charges I made that day but failed to realize those transactions were completed using XXXX XXXXy or digital transfersnot with the physical card. The disputed charge was made while I was at work, and I can provide proof of my attendance to verify this. 

This has caused significant financial hardship, especially during the holiday season. I paid for a service I didnt receive, and the denial of my claim is unjust. I have taken all the appropriate steps to report the issue, but Cash App continues to deny my claim despite the evidence. 

I am seeking a full refund of {$740.00} for the unauthorized transaction and a detailed explanation of why my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts from my report. they are hurting my ability to obtain credit.

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 2024-11-29 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under the trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted. Please delete the following accounts : XXXX XXXX XXXX XXXX Balance {$34000.00}, XXXX XXXX XXXX XXXX ( loan ) Balance {$3000.00}, XXXX XXXX Balance {$710.00}, XXXX  Balance {$1000.00}, XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance {$740.00}, XXXX  XXXX XXXX XXXX XXXX XXXX {$1300.00}. I would also like the removal of the following inquiries ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-29 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: FL

Complaint narrative:
Equifax received a dispute from me along with identity theft report to verify. They removed all accounts. One of the lenders then resends information and they say due to the fact they are a database they are obligated to put it back on my report even though they have my identity theft report in their database as well. They claim the only thing I can do is dispute again as I have and it has been 5 disputes and removals, but they put it back on every time. This is seriously effecting my credit score and has disabled me from buying almost anything with my credit for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven. 15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report. 15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX, I reviewed my credit reports from Experian, XXXX, and XXXX and identified several inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These include the reporting of late payments, charge-offs, and derogatory accounts without proper validation or investigation. The inaccuracies involve accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX among others. 

For example : A XXXX XXXX account, opened XX/XX/XXXX, shows a {$230.00} past-due balance as of XX/XX/XXXX, despite disputes about its accuracy. 

An XXXX XXXX account, opened XX/XX/XXXX, reflects {$100.00} written off despite being paid and closed. 

A XXXX XXXX XXXX XXXX account, opened XX/XX/XXXX, inaccurately reports a {$360.00} past-due balance as of XX/XX/XXXX. 

I have submitted disputes and requested validation under 15 U

.S.C. 1692g, but the companies failed to correct or validate these debts. This inaccurate reporting has caused harm to my credit profile, violated the FCRAs reinvestigation requirements under 15 U.S.C. 1681i, and included practices that violate FDCPA provisions, such as harassment ( 15 U.S.C. 1692d ) and false representation ( 15 U.S.C. 1692e ).

I seek the removal of all inaccurate and unverifiable information, proper validation of debts, and compliance with federal laws.

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 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> my wife mailed a check to XXXX  XXXX XXXX XXXX  for {$1900.00}. We received an assessment notice for demand of XXXX  due dated XX/XX/year>. Upon review of our account online, we saw the check had been manually altered with a person 's name written above XXXX XXXX XXXX XXXX on the 'pay to ' with information on the memo line scribbled out. The same person 's name was the endorsement on the back of the check and XXXX  Mobile  deposit was also printed with account and transaction numbers. We notified our bank of this check fraud and instead of coming to our aid, they required us to provide documentation that we had a tax bill to pay, suggesting that we were somehow involved in the scheme! We have reluctantly supplied the information requested, but I fail to see how that solves the larger problem of how did this check clear through our account? Does this mean there are no safeguards in place for mobile deposits made by fraudsters bank-to-bank? If this check were presented to a teller I would not be dealing with this now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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 2024-11-29 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: HI

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my 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 2024-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Aidvantage has my loans that I need to make payments on however they keep reversing the payments back to my account. This is causing me more interest that should not be added because I am paying on time. I bank with XXXX  XXXX. Aidvantage is stating it's the bank reversing it but bank says they don't see any attempts to take the funds. This has been happening for last few months now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NM

Complaint narrative:
I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all reported information is accurate, complete, and verifiable. Below, I have detailed the specific inaccuracies and the relevant legal violations : 1. Inconsistent Account Details Across Bureaus : The Account Type Detail varies across bureaus, with TransUnion and XXXX reporting Auto Loan, while XXXX incorrectly reports Recreational Merchandise. This inconsistency violates 15 U.S.C. 1681e ( b ).

2. Incorrect Loan Terms : The number of months ( terms ) is reported as XXXX  by TransUnion and XXXX but as XXXX by XXXX. This inaccuracy misrepresents the account. 
3. Late Payment Reporting on a Closed Account : Late payments ( 30-day ) are reported on a closed account with a {$0.00} balance. If these marks are inaccurate or unverifiable, they must be removed as required by 15 U.S.C. 1681i ( a ).

4. Misleading Comments : The comments differ across bureaus, with XXXX including Closed or paid account/zero balance while the others state Closed. This creates confusion and may mislead potential creditors.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit reporting agencies ( CRAs ) must follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies in terms and account details violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If these issues have been previously disputed and not corrected, the CRAs may have failed their duty to conduct a proper investigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting incorrect details or failing to update resolved disputes.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Derogatory marks ( e.g., 30-day late payments ) should not appear if they are inaccurate, improperly validated, or reported past their permissible timeframe.

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