vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I am filing a complaint against Ally Bank for refusing to reimburse penalties and damages caused by their actions. They froze all my bank accounts on XX/XX/XXXX without warning due to a security error, and the assigned investigator failed to resolve the issue promptly, resulting in a week-long ordeal. This led to rejected withdrawals by institutions like the IRS and my internet provider, resulting in penalties for late payments and rejected transactions. These incidents have permanently damaged my account statuses, affecting my creditworthiness. 

Although Ally Bank reimbursed the IRS penalties, they unjustly refuse to reimburse the penalties from my internet company. During a lengthy phone call, their representatives repeatedly dismissed my concerns and cited a refund issued within the last 12 months as a reason for being unable to provide further reimbursement. This selective approach is unacceptable. Ally Bank can not freeze my funds, incur several penalties, and selectively address damages from only one institution while disregarding others. 

I urge the CFPB to hold Ally Bank accountable for their negligence. I am seeking fair compensation for financial losses, penalties, and the lasting negative impact on my account status caused by Ally Bank 's actions.

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 2023-07-11 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: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/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 explanation
Consumer complaint received 2023-07-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am reporting negligence in reporting and investigations of disputes for all 3 bureaus. I have written XXXX, XXXX, and Transunion on XX/XX/2023, XX/XX/2023, and XX/XX/2023 in regards to verifying information that is being reported for public records and accounts included in this record. These accounts and public records have yet to be even placed in dispute status. Instead of receiving updates of disputing and reporting errors, I continuously received a mass amount of accusations of credit repair letters. This is unacceptable. This negligence is ground for deletions of these items. After XX/XX/2023, XXXX finally launched 1 investigation out of 3 times requested, and verified information as correct and verified. I do not agree with such results as XXXX is in lawsuits for not verifying accounts and accurately conducting investigations. No information was provided as far as method of verification and information on who verified this information to the credit bureaus. I demand that this inaccurate information be deleted from my credit report. I have been more than generous with reporting times and investigation periods. The screenshots of accounts below are inaccurately reporting inconsistencies across bureaus. Under Section 623 ( a ) of the FCRA, this act prohibits a person from furnishing inaccurate information to a credit reporting agency. EVERY SINGLE ACCOUNT showing has inconsistencies on their last date of activity. This is a very clear inconsistency that has yet to be verified. These bureaus have blatantly ignored my request. This inaccurate information is hurting my credit. It is well beyond the 30 day investigation period allowed, and I have been ignored. These accounts and public record should be deleted as soon as possible. Please mail me an updated report showing these changes.

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 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My name is XXXX XXXX my LOAN NUMBER ARE XXXX MY Loan before wiith XXXX but they take over they wana make money forcefully doing aplly loan modification just giving me excuse shortage of escrow amount they doing everything sudden forfully ccharge me extra monthly payment threat for my credit score sending bad info to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: NJ

Complaint narrative:
Hi i have been wrongfully charged for an unknown debt from XXXX bank which is in the amount of {$810.00} on the XXXX of XXXX through Mail I received. I have no connection with the said debt and would like to dispute it immediately. Also I request the company desist from sending me Mails or Emails or even Phone calls regarding the so-called debt which is wrongfully in my name. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: NC

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I was scammed by an individual claiming to be a landlord / property manager. 

We initiated our conversation on XX/XX/23. 

After much conversation, I filled out a rental application, which he approved. [ also XXXX ]. I told him I wanted to move around XXXX. 

He indicated that he would forward the keys to me, as he was living out of state, after I transferred the deposit to him. 

I went and looked at the place ( without access and from the outside ). There was someone living there, whom I did not bother. The place was as described. [ XXXX ] I told him that I needed to wait until my following payday, but that I would pay the deposit on the XXXX. He said that would be fine. [ XXXX ] * transferred {$900.00} directly to his routing/account number through XXXX, using my financial institution BECU [ XXXX ] He then forwarded a ( signed ) lease for me to sign and return, which I did. [ XXXX ] He later informed me that his lawyer was requiring him to receive the 1st months rent before he could give me the keys. [ the first glaring red flag ] [ XXXX ] We came to an agreement that I would transfer the rent on my next payday, and that he would overnight the keys so that I could move in on the following weekend. 

* transfered {$1000.00}, again directly to his routing/account number with XXXX @ BECU [ XXXX ] After hem-hawing about how he hadn't received the funds because the transaction was pending, the morning that I had arranged to move he informed me that he was going to need another months rent up front. [ XXXX ] This was when I finally woke up to the fact that I had been scammed. 

I contacted BECU to notify them of the scam ( and of course, attempt to get a reversal on the transfers ). They informed me that they couldn't do anything, since it was 'a scam and not fraud '. They took my story and filed a report with XXXX [ XXXX ] A personal note -- I have conducted several similar transactions in the past, as I have conducted a few interstate relocations, and have successfully made arrangements with people that I never met. I was also under pressure to move, and was panicking a bit. There were red flags ( such as the fact that there is a dominant property management company in the area I was moving to that operated under this individual 's name -- this guy should have been more experienced and wouldn't have been changing our agreement like he did ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( Georgia Student Finance ) Account # XXXX, has violated my rights on XX/XX/2023. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Please remove the negative payment history and update the account to positive and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 explanation
Consumer complaint received 2023-07-11 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX US DEPT ED XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; XXXX XXXX  XX/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 2023-07-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX US DEPT ED XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & Bankruptcy 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 2023-07-11 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: TX

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditoXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 2023-07-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove all fraudulent inquires as I have no knowledge of any of these inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
My name is XXXX XXXX i am using BETHPAGE secured CREDIT CARD XXXX when i open account they promise to me after year my card will be regular card automatic even i have proof of flyer advertisment which is fake advertisment some thime show double charges same trasaction charge payment twice my bill amount many time if i ask issue me refund no anyone take action only make me fool or provide diffrent phone number call there trasfer cals more then hour then finish they are small poor credit unioun greedy of money simply fraud with people now i understand why people like big brand banks they not respect of customer

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