vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: Self Financial Inc.
State: NJ

Complaint narrative:
I never had a self account I disputed it also spoke to people N the matter still there its holding me up from getting apartment cause so much bad reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: TX

Complaint narrative:
They checked my XXXX credit report Without my Authorization.

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 2022-10-07 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX  # 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 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 2022-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/2022 I started a consolidation application with XXXX XXXX. They have reached out several times ( now 4 since XX/XX/2022 ) to American Education Services ( my current holder ) for my loan payoff information and AES will not respond with what they need. This is almost 30 days later and time is of the essence. 

Also I asked that AES update my file to show that in that forbearance period due to consolidation and they have failed to do so. 

AES should be sanctioned and made to follow through with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Good morning, back on back on XX/XX/XXXX i submitted a complaint to XXXX about a debt not owed. The company did respond back and say that they had got with there client and that a deletion of the account was processed on XX/XX/XXXX to remove the collection from all 3 credit bureau 's which they did. i get an alert that the collection has been added back to my credit for the same issue. Guys i need this to stop happening and not trying to keep adding this to my credit. This issue has to stop as it's already been decided that this is something i do not owe. Please kindly remove this ASAP This is the company 's response back on XX/XX/XXXX XXXXompany 's Response Good day, After thorough review of your complaint, please be advised that we have reached out to our client in regards to your claim. A deletion of our account was processed on XX/XX/XXXX to remove the account information from your credit file. Please note, once we submit the request to the credit agencies, it may take up to 60 days to reflect the update to your credit. On behalf of Sequium Asset Solutions , LLC I would like to apologize for any inconvenience this may have caused. Thanks, XXXX XXXX XXXX XXXX Sequium Asset Solutions , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I honestly do not understand what is happening. I have not owned a vehicle since I sold my XXXX XXXX approximately 4 years ago so I have not been required to carry auto insurance obviously. I'm trying to insure a car now and my rate is through the roof and XXXX XXXX, for instance, is saying that I filed some sort of claim XXXX of last year. That is absolutely false!! I need this removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 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 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 2022-10-07 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: VA

Complaint narrative:
In accordance with the XXXXir Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My aXXXX suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In late XXXX I was alerted that on XXXX there was a hard inquiry on my credit report from XXXX XXXX BXXXX. I did not apply for any lines of credit so I immediately called the bank and informed them that this was not me. They confirmed that this line of credit was not applied for in error, so therefore it must be fraud. They cancelled the application and line of credit. 

I am now in the process of trying to get this hard inquiry removed from my credit report and XXXX XXXX XXXX  has asked me to file this complaint with the FTC / CFPB.

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 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
XX/XX/2022, I had XXXX different transactions that equals up too XXXX dollars locked in my google pay account and I am a XXXX tXXXX and when someone sends me payment and I release there XXXX to them and those XXXX transactions were from me XXXX  I released peoples XXXX and then received the payment but there not letting me transfer my money out my account and they have locked my account or made it too where I cant verify my account that way I cant receive my money. Meaning my money is locked in my google pay account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 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 an account without my written instructions under 15 USC 's 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.

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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CT

Complaint narrative:
I opened a checking acct online with key Bank on XX/XX/XXXX with the understanding it was a bank promotion of earning {$200.00} after 90 days. The requirement was that I needed to have a direct deposit of {$550.00} or more. I have had numerous direct deposits since then. I was expecting the {$200.00} around the end of XXXX. I called them and stopped in the bank and they seem to be giving me the run around. I did misplace the online code that I used to open the acct but they should be able to verify it. They are still offering the promotion as of today. How hard can it be to see I opened the acct online in XXXX. We are talking about {$200.00} not {$2000.00} or {$20000.00}. I feel like they should have deposited the {$200.00} within a reasonable time of investigating it. 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I opened a Citibank XXXX Checking account on XX/XX/22. Since then I have connected my direct deposit to the account, and have used the account to pay various bills and make any transfers needed for an upcoming move. As far as I am aware, I have not violated any terms of service with Citibank. Today I received an email stating that my account will be automatically closed within 60 days due to violated terms, however the violation itself was not stated. My account is now locked, and I have zero access to my funds. I have spoken with multiple reps across different teams and no one will tell me anything. As expected, I am rightfully XXXX, and need my account reopened expeditiously. Please assist, if possible.

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 2022-10-07 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: VA

Complaint narrative:
In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My XXXX suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: VA

Complaint narrative:
In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I recently submitted a request for investigation which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than use your XXXX XXXX  you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the XXXX XXXX that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter.

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 2022-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: OK

Complaint narrative:
On XXXX XXXXXXXX XXXX XXXX charges were made to my account with US Direct Bank which I use to get social security payments. The amount was approximately {$530.00} as discovered by a customer service agent and myself. Also, XX/XX/2022, my card was used fraudently, again which was over {$1200.00}. I contacted customer service again, after being on hold for over an hour. The customer service agent gave me a list of charges and the dates. I was asked to submit a letter to US Direct Bank Fraud Dept. by XX/XX/2022 which I did, by fax to the number provided by the customer service agent. The letter included the dates given for the fraudulent charges and the amounts. I was given a case number. I contacted US Direct Bank the same day as I faxed the information to make sure the documents were received and they were. I was told by the customer service agent the process could take between 30-90 days for the investigation to be completed and I would be contacted by US Direct Bank by phone or mail. 
To this date I have not received either! Fast forward to XX/XX/2022, I was to receive my regular social security deposit. It was deposited and taken out which left me a negative {$450.00}!! I do not know what is going on. I've attempted to contact US Direct Bank again and no call rolls to a busy signal and hangs up!!!! I've been trying to call them since XX/XX/2022 and the hold times are ridicilous!! I finally got through on XX/XX/2022 and was hung up on by an agent. I am seeking the return of my money from XXXX, XXXX and XXXX. This has caused a lot of un-needed stress because US Direct Bank does not uphold their agreement. I've contacted social security agency and no one can do anything because US Direct Bank is a third party agency. I filed a complaint with the XXXX XXXX XXXX  XX/XX/2022 and discovered a list of over 100 complaints by others using this company. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I was paying for service to repair my credit once a month. Do to our last landlord lying about rent not paid and or late. Do to that we lost our belongings and the things that I was making payments on. I could not finish paying and they charged everything off. I had to pay extra money for me and my family to have a place to live. I was paying also for about XXXX year and XXXX months for credit repair to rent or own a home. It's been XXXX to XXXX years now and we are still homeless looking for assistance. We are currently checking out of a holtle now and to check in another one. With three days to move from our last house and no where to go we lost everything important to use. My mom is XXXX and my kids was XXXX  me a single parent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
On XX/XX/2022 I was served in XXXX, XXXX by a XXXX being sued by Roosen Varchetti & Oliver, on behalf of XXXX XXXX XXXX XXXX XXXX. I called and explained that XXXX 's owes me for the payments that I had for a year on the furnature and broken TV that they delivered to me that was of course torn up, broken, and infested with bed bugs and XXXX cockroaches, which was an absolute nightmare to get rid of, XXXX 's gave me a 36 month warranty on anything covering the products I got from them but upon calling numerous times with complaints of total dissatisfaction and demanding replacements and remediation for the bug infestation that they had inflicted upon my family and my house, and the damage they did to my house upon delivery, they continuously gave me excuse after excuse of how they were taking care of it, which never happened. I paid for an entire year for items I couldn't use and finally spoke to a store manager after my last payment and he told me to stop paying on the stuff, that he wouldn't put up with it and if there was something he could do to remedy the situation, he would do it for me. Back to the law firm/Deb collector XXXX, they tell me the account is not with them, they transfered it back to XXXX 's XXXX even though I never heard from or of the lawyer until my summons on XX/XX/2022. I called XXXX 's and they told me that another third party collector had the account, so I called them and they told me XXXX 's had the account, so I called XXXX 's again and they told me that XXXX had the account. So I called XXXX again and spoke to yet another foreigner rep and they told me they didn't have to account and I told them yes they do because I just got served by the XXXX being sued by them, they transfered me around 5 times and finally I spoke to yet another foreigner that said yes, my account is with them and I can settle with them for a slightly reduced amount, and I told them I refuse to pay anything, that I have pictures, bills, and no product from XXXX 's after paying for a whole year for @ {$6000.00} worth of damage. I told them I was going to counter sue for the damages, the destruction of my once great credit, and for the breach of contract by XXXX 's for not adhering to their no hassle 36 month warranty. What do I do from here, I really don't have time or patience to deal with these " XXXX XXXX '' artists anymore or their bottom feeding collection/lawyer agencies. I gave them a year of payments and chances to fix the situation, of which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regional Acceptance car loan appears twice on my credit report. One in good standing and the other is not. 
I have one account with Regional Acceptance the account that have a balance of {$20000.00} need to be removed. 

Thank you.

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