vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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 XXXX Account # XXXX, has violated my rights. This repossession has been handled fraudulent, and has many inaccuracies. 
15 U.S.C 1681 section 605A. States A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency. 

15 U.S.C 1681 section 602 A. States I have the 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. This repossession has been handled fraudulent, and has many inaccuracies. 
15 U.S.C 1681 section 605A. States A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency.

15 U.S.C 1681 section 602 A. States I have the 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 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 non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act inquiries done by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  have all violated my rights.

I do not recognize these inquiries. Never been in contact with any of these companies there forth these are fraudulent and are inaccurately reported to my credit profile.

15 U.S.C 1681 section 602 A. States I have the 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 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 non-monetary relief
Consumer complaint received 2022-06-27 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: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I have contacted Acima XXXX FKA Simple regarding an account that is listed on my credit report that was opened fraudulently. Account number XXXX original balance XXXX. I have advised Acima that this account was opened fraudulently and have requested a deletion off my credit report. I explained that an ex roommate XXXX XXXX stole my information and opened this account. She had access to all my personal information, drivers license ect. I have filed a FTC report regarding this issue. I have not heard anything back from Acima regarding this issue. 

Your assistance is greatly appreciated regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Acct XXXX XXXX Bank ( Acct.Number Unknown ) Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-06-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unknown Acct XXXX XXXX Bank ( Acct.Number Unknown ) Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have a checking and savings account with Ally Bank. 
I received a large check from the County in which I live, a check from a government fund that was provided to me for the purposes of housing relocation Before depositing it with Ally, I verified with them via telephone that I could submit the check to them via mobile / echeck deposit, and that {$300.00} of the funds would be available the next business day, and the remainder on the XXXX business day. 
The first {$300.00} was made available as promised. 
Exactly XXXX hour before the remainder of the funds were to be made available, they froze my account and all of the funds and transferred my account to their " Loss Prevention / Fraud Department ''. 
I have spoken to XXXX different people in that department who have been beyond rude, accusatory, arrogant, and condescending, and on a power trip because I am at their mercy I have been told : -Send proof of the validity of the funds and they will be released to you immediately. I did this and the funds were still not made available. 
-Then I was told that the first rep was incorrect, it will take XXXX days to review this " suspicious '' check I had deposited. 
-Then I was told that providing the proof I provided would not have any effect on their review of my account and the check, that it will take a solid XXXX business days for these funds to become available. 
-Then I was told to call back the next business day and speak to a rep and just ask them to call the bank the check was drawn on to verify the funds and the money would be released to me. 
Nobody there knows what the proper procedure is, ALL of them have accused me of trying to deposit a fraudulent check, ALL of them have been rude and argumentative and a couple were even threatening. ALL of them refused to let me speak to a supervisor. 
They have also blocked all access to my account, I can no longer log into my account online or through the app to at least monitor the progress of my account and they are holding {$16000.00} of my money. 
Because of this I lost the housing I was supposed to put a deposit on using these funds.

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 2022-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bankruptcy : Bankruptcy Account # XXXX has violated my rights. 15 usc 1681 section 602 A states I have a right to privacy. 15 usc 1681, section 602 A, section 2, also states a consumer reorting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
The attorney of record for the plaintiff XXXX XXXX XXXX XXXX of Ragan & Ragan falsely mislead and misrepresented himself and his client XXXX XXXX XXXX as having a lawful contract/agreement with me pursuant to 15 USC 1692e . In addition Attorney XXXX XXXX XXXX, XXXX of Ragan & Ragan furnished to the clerk court deceptive forms pursuant to 15 USC 1692j and place a false claim in order to have the court grant a default judgment against me. 

Attorney XXXX XXXX XXXX, XXXX either knew 1st hand the contract he presented to the court clearly showed the contract had an Arbitration clause and was covered under The Federal Arbitration Act or he being a licensed bar card attorney should had known he was violating the law by misleading the court into believing it had jurisdiction when it lawfully did not. In dishonor and with unclean hands attorney XXXX XXXX XXXX XXXX or his law firm purposely withheld sharing the case had an Arbitration clause, he did not share that information with the clerk court and placed a claim he knew the court did not have jurisdiction over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've been trying to pay my credit card balance but the company 's website says it's being updated and directs you to a quick pay site. 
That site doesn't work either. 
I've called numerous times to pay by phone, which costs money, but the recording says " due to unseen circumstances, we are closed ''. 
I'm being charged a late fee even though I wanted to pay on time. 
This is unacceptable. 
I want a call back from Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo XXXX Account was never late. I never received payment invoices for the moths they are claiming. As soon as I realized what had happed, I called them and made both payments the same day. They said it would not affect the credit report. I also sold that car in XXXX, as you can see in my credit report. I purchased a new car from XXXX in XXXX. XXXX sent wells Fargo the payoff but they show me being 30 days late then also. 

This Paid account is having a negative impact on my 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 explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: MA

Complaint narrative:
on XX/XX/22 I deposited a money order given to me for Sec. Deposit & 1st month rent ( loan ) via my mobile deposit app through Keybank, the following day I receive an email stating it was placed on hold for reasons of doubt of collectivity but that my funds would be available to me on XX/XX/22. I called on XX/XX/22 to confirm the money order cleared I was told the funds were available and that nothing was pending before I went to the bank in person since my account, debit card got restricted. On XX/XX/22 around XXXX I went to Keybank on XXXX XXXX XXXX MA XXXX was told by the teller ( XXXX XXXX ) after she spoke to the fraud dept. for Keybank that they said my account was still on hold until further investigation but no time frame was given and I had no access to my funds. I called the fraud line to see what I needed to do on my end to expedite this matter and get access to my funds, I told them I would go with the person who issued me the money order to clarify that it was legitimate and after he verified with his issuing bank that the funds were deducted and sent to Keybank & that we would bring proof of it, I also brought the money order in-person to the bank twice so they can see it is not counterfeit/fraudulent and was told there was nothing i could provide to them to just wait. I called again today XX/XX/22 at XXXX spoke to XXXX XXXX Fraud Dept ) since it has been 8 business days on hold with no explanation as to why I have no access to my funds or how long it will take and because I have not received any further letters/emails on how long or when my funds will be available or explanation I continue to be given different reasons as to the hold and that I need to go to the bank in-person but every time i go nothing gets resolved and I get the different reasons why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover bank took our initial deposit, upon trying to make a withdrawal their security team locked our account. 

They provide a phone number to call, but no one answers. We have made dozens of calls, waiting up to 3 hours on hold. No one ever answers. 

At the 3 hour and 5 minute mark the call is disconnected. There is no other way to access your account, unlock it, or have access to the funds. 

This has been going on for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am the cosigner for my daughter 's loan. Here are my issues : 1. In XX/XX/XXXX, I discovered on my credit report that she was behind on her payments. Navient never contacted me. I have been making monthly payments since then. 2. Every month with my payment I request relief, eg lower interest, forgiveness, etc. they always reply in the negative. 3. Between XXXX and XX/XX/XXXX through borrowing from family and tightening my belt, I was able to make a number of payments that totaled {$2600.00}, but almost all was applied to interest, not principal. 
4. On XX/XX/XXXX and XX/XX/XXXX I sent them checks, but neither one has been cashed. I think this is yet another way to get additional interest. I am wondering if other people are having problems with Navient cashing their checks on time. They have been slow cashing checks on other occasions, but not this long. 
5. When I talk to their representatives about any of these issue they are not helpful. I have also asked about the lawsuits against them to see if any would apply to her loans, especially since we lived in XXXX when she borrowed and I cosigned, and I have also asked if her military XXXX would qualify her for any assistance or relief. 
I am retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bankruptcy : Bankruptcy Account # XXXX has violated my rights. 15 usc 1681 section 602 A states I have a right to privacy. 15 usc 1681, section 602 A, section 2, also states a consumer reorting agency can not furnish an 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 2022-06-27 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: Affirm Holdings, Inc
State: LA

Complaint narrative:
I contacted Affirm on XX/XX/XXXX regarding two account opened fraudenlty in my name and have not received a response regarding this matter. I explained how my ex roommate XXXX XXXX, opened these account in my name using my information. She had access to my cell phone, and all of my personal information. I tries to file a police repot however due to the amount of the debt I was advised to file a FTC report which I did regarding this issue and provided Affirm with a copy of the report. 

Affirm : Acct # XXXX Original balance {$550.00} Affirm : Acct # XXXX Original balance {$620.00} It look like both account was opened on the same day XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Caine & Weiner XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Reference : C & W Account # XXXX I am writing in reference to the letter that you sent to me dated XXXX XXXX. 

I first made use of XXXX services to form a company and use their Registered Agent services on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX to cancel my services and my ongoing renewal as I was moving my Registered Agent services to XXXX XXXX XXXX XXXX due to excessive price gouging from XXXX. I received an acknowledgement of my request and was provided with a Case Number of XXXX. XXXX XXXX XXXX took over RA services for my business in XX/XX/XXXX. 

I have never used XXXX services with the exception of 1 year from XX/XX/XXXX and these services were cancelled with XXXX in advance of the renewal. 

Caine & Weiner emailed me on XX/XX/XXXX. I replied to Caine & Weiner on XX/XX/XXXX informing you that I owed no debt to XXXX. I did not receive a reply and my email was ignored. I received another email from Caine & Weiner on XX/XX/XXXX which did not acknowledge any of my previous correspondence. 

I received your written letter dated XX/XX/XXXX which did not acknowledge any of my previous correspondence or provide any details of the fictional debt attributed to me. 

Please cease and desist sending notices and attempting to collect this debt which I do not owe to XXXX or Caine & Weiner. Due to your repeated notices and lack of acknowledgement of my correspondence, I am also submitting a complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: VA

Complaint narrative:
I was subject to fraud via XXXX. The person who filed in my name requested a debit card. The debit card came and I am not able to reach anyone with the company to report fraud. This company does not have a way to contact them and make you activate the card. This is no good. Consumers have no way of feeling safe. 
Way2Go Card is the name of the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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