vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I have been a customer of XXXX for a number of years. During that period Ally has consistently added cookies from outside organizations, trackers, and cross-trackers. I have refused to allow the use of these cookies and trackers to access my personal banking activities and they have consistently refused to bring this situation under control. 

Over this weekend Ally refused me access to my Bill Pay function and continues to do so putting me in the position of either allowing access to their cookies and trackers, or not being able to pay my legitimate bills from my available funds. 

Attached is both a copy of Ally 's statement of refusal of access, and a copy of search results from The XXXX 's XXXX search that indicates the number of cookies, trackers and other forms of intrusive spyware on Ally 's web site that are far in excess of the average number of such found on other websites.

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 2022-10-19 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, I was charged for {$29000.00} from XXXX XXXX XXXX. I called discover immediately because charge was only supposed to be {$20000.00}. They issued me a provisional credit of {$20000.00} when they investigated the issue. On XX/XX/XXXX, they reversed provisional credit. They provided me documents that were " support documents '' from XXXX. The support documents had my signature on a bill of lading which just list my detailed goods. This was the only document they had that had a signature. None of the documents had my signature on an authorization to charge card or authorize any payment amount. I called discover on XX/XX/XXXX and the representative didn't understand why it rejected either and escalated it to her " XXXX ''. I called again on XX/XX/XXXX and they said no one ever put another case in so they did it again at that time. I called on XX/XX/XXXX to check status and they had no explanation why they were accepting the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have been disputing this account for months, late payments are illegal, I have been stressing this factual law with Nelnet. They have been in violation. In exhibit " A '' Nelnet have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and Nelnet keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. Nelnet also violated my right to privacy as pursuant to 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: SC

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
Consumer complaint received 2022-10-19 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: CO

Complaint narrative:
On XX/XX/XXXX, XXXX I sent a letter to Equifax to correct an account that they are reporting inaccurately, and it is effecting my ability to purchase a home. 
They have done nothing with the investigation. 

This account is closed and paid in full and they are reporting a payment status as " at least 120 days or more than four payments past due '' which is completely inaccurate considering they clearly show in the XXXX year history that XXXX XXXX XX/XX/XXXX there was all on time payments. This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I paid my balance in full using my XXXX  XXXX checking account for my Express ( clothing store ) Credit Card governed by Comenity Bank. This payment was a scheduled payment placed many days prior to the due date. The scheduled payment in the amount of {$46.00} was received by Comenity Bank and subsequently withdrawn from my bank account on XX/XX/2022. On XX/XX/2022, I reviewed my account using comenitys express credit card website. The website stated that my account was PAST DUE and showed no evidence of the XX/XX/2022 payment. My account stated that my last payment was XX/XX/2022. I called my bank, XXXX XXXX, and they confirmed the XXXX payment was sent and received by XXXX and officially withdrawn from my account on XX/XX/2022. I called Express Credit Card customer service ( comenity bank express credit card division ) and spoke to a representative named XXXX on XX/XX/2022 from XXXX XXXX  EST. He informed me that Comenitys system is untrustworthy, unethical, has many bugs and is flawed, never the less he assured me that although he has no record of the payment, it will reflect eventually. As I write this on XX/XX/2022, my account does not reflect the {$46.00} payment. I authorized this payment with the intended purpose of paying my credit card bill. Suffocate it to say, the money is missing and is not being used for the intended purpose. I sent Comenity Bank a secure message with a screenshot of my XXXX  XXXX checking account showing the {$46.00} payment. I have not heard anything since. Comenity Bank has now also unjustifiably charged me a {$2.00} finance fee, thus bringing my total loss to {$48.00}. Comenity bank has unethical trade practices. They received my money, lied and said my account was past due, charged me a {$2.00} fee ( and more most likely to come ) and has given no explanation as to where my money is. I cant imagine how many other people they have done this to. This bank should not be in business if they can not adequately process, record and reflect payments. It is irresponsible and reckless, not to mention unethical. My credit is on the line and so is my hard earned money. They need to be investigated for unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: IL

Complaint narrative:
Before I started, I would like to let you know that this is my first complaint and I'm not using any third party for this matter, I represent myself by myself. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
Please note, that account has been posted only by Transunion Credit Bureau, I have obtained my report from all XXXX Credit Bureau, XXXX and XXXX has removed this fraud account from my report, but Transunion keep posting and completely neglecting my rights. HOW THEY CAN saying to me VERIFIED OR VALID OR UPDATED WHILE OTHERS AFTER RECIVING MY PROOF OF STATMENT HAVE BEEN DELETED THAT ACCOUNT IMMEDIATELY.

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 2022-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TX

Complaint narrative:
Call from " Discover '' from XXXX on XX/XX/2022, followed by repeated calls from " Discover '' from XXXX asking for a " XXXX XXXX '' who is not at my number. Calls and voicemails on weekdays from XX/XX/XXXX to today. Internet search mentioned debt collection scam from this number so calls have not been returned. I have never had a Discover card or account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: FL

Complaint narrative:
XXXX credit monitoring alerted me that there was a hard pull on my credit report via Transunion. I set up an account with Transunion hoping to dispute it but unfortunately you can not dispute an inquiry online. It suggest that you call that business, well guess what, that phone number is not valid. The hard inquiry was done on XX/XX/22 by XXXX XXXX via XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX phone XXXX individual inquiry type and the permissible purpose is credit transaction. I called the phone number multiple times and it just hangs up on you. I alerted Transunion about this and they haven't done anything about it and it's still on my credit report. This is fraud written all over it. Please help.

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 2022-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Hello Digit, LLC
State: TN

Complaint narrative:
Over the course of XXXX, I signed up for the waitlist to join XXXX XXXX ( now partnered with XXXX ) to open an account. This account would have included a Bills account, Spending account, and Saving account. After normal processing, I held the account, but I wasn't using the account as actively as I thought I would have. So in XXXX of 2022, I decided to close the account. I have included supporting email records to show this. 

Almost 6 months later, I was looking to re-open an account with XXXX  and fully transition to them from XXXX XXXX. I started the process over since it had been a while since the previous account was closed. I followed the instructions to create a new account, but after entering my SSN, I received a message stating that " Something went wrong '' and the " Bills & Spending '' account can't be opened for me right now. 

I then reached out to support to find out why and was told " I took a look, and I'm seeing that you previously had a XXXX account and then signed back up to XXXX. Because of that, you are not able to change your XXXX  account back to a XXXX account. I'm really sorry for the inconvenience, but there are some technical limitations with our system that prevent more than one switch between the two account types. '' I asked if there was an override for this. I was thinking that it was something I needed to do on my end to fix the issue and get the account opened, Instead I was told " You're asking a great question. I can definitely see how this could have been beneficial, but unfortunately it's not something we can offer right now. '' I was, however, allowed to open another account type, which is their saving feature account, but not the other. Also, considering her language about more than one switch between the two account types, this would have been my first and only switch. 

This feels unfair and unclear. There's nothing I could do to resolve the issue with them. There is no number I can call. Nothing. Just going the extra mile, I requested my consumer records from XXXX to see if there was anything I could be at fault for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: SC

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
Consumer complaint received 2022-10-19 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: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Select Management Resources, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX, I asked my brother to take a payment to the title loan company and the representative XXXX XXXX XXXX at the counter disclosed my entire account information with him even though he is not on any loan contract which I have with them. I have made calls to the corporare office to lodge a complaint and I was told that I had to speak with someone at the office where the offense occurred. The store manager said that " I told her not to talk to the relative but she did it anyway '' as a store manager she should have stopped this immediately. They are not taking responsibility for the error in judgment. I want the satisfaction of knowing that no other customer has to endure this unethical behavior. I take pride in my privacy and they have completely violated that by disclosure of financial information to a third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Extra : 10351, XXXX XXXX XXXX :10351 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-19 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written ainstructons 1 U.s.C 1681c. ( ax ) section States : no consumer reportina agency mav make anv consumer report containing anv of the followinc Items or information Any oter adverse item or information, oter than recoras or convictions or crimes wnich antedates the report by more man seven years 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-19 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
To Whom it may Concern : In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrucions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX late postings XXXX XXXX, XXXX, XXXX and XXXX XXXX late postings XXXX XXXX XXXX  late postings XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.

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