vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Bank account account deleted and frozen. Called Ally Bank and requested why. They said that it was due to a XXXX that I had received being reported as fraudulent by the person who sent it. 

1. I was not aware of the XXXX. 
2. Never have spoken or communicated with the person. 
3. Can not access anything with my banking. 
4. After being explained this I realized I had received a weird voicemail a few days prior and it was what I think may have sent it. Person called themself XXXX  and was talking about having sent a XXXX to a person named XXXX I explained this to the bank and they have done nothing and still are refusing me access to my funds. 

The amount that the bank says the XXXX was for was {$150.00} Attached to this is a screenshot of the voicemail transcribed by my phone. 

Along with a file of the voicemail. 

Additionally the companies doing harm is XXXX and Ally Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am experiencing a severe issue with my Equifax credit report, where my score has plummeted from XXXX to just XXXX, with no prior correspondence or explanation from Equifax. 

I am in the middle of applying for a home mortgage. As of XX/XX/XXXX, my Equifax score was XXXX. After a hard inquiry on XX/XX/XXXX, it dropped slightly to XXXX, and additional inquiries on XX/XX/XXXX and XXXX had no further impact. However, on XX/XX/XXXX, a bank I applied with informed me that my Equifax credit request had failed. Checking XXXX XXXX on XX/XX/XXXX, I saw that my score had inexplicably dropped by XXXX points, leaving me with a score of only XXXX. 

Today, XX/XX/XXXX, I contacted Equifax, speaking with four different agents who claimed that there was no record of any bank or credit account in my name and that no credit information could be found associated with me. Despite me conveying my recent healthy score and willingness to share evidence, the agents refused to provide an explanation or any immediate solution. Furthermore, when I attempted to raise a dispute on XXXX platform, I found that the dispute option for my account was disabled ( Screenshot No. 5 ), and agents refused to reopen it and gave no rationale. 

Equifax has instructed me to send a copy of my SSN and drivers license by mail to their office, a process that Equifax Agents claim will take at least 7 business days upon receipt of documents. This delay will prevent me from proceeding with my mortgage application, causing serious financial and emotional distress and risking the loss of our long-awaited opportunity to purchase a home we have been pursuing for over six months. 

I respectfully request urgent assistance from the CFPB to resolve this issue with Equifax as soon as possible. 

Attaching Screenshots for : 1. Credit Report on XX/XX/XXXX ( Source XXXX XXXX  XXXX XXXX  ) 2. Successful Hard Inquiries XX/XX/XXXX & XXXX ( Source XXXX XXXX XXXX XXXX ) 3. Rating History from XX/XX/XXXX to XX/XX/XXXX ( Source XXXX XXXX XXXX XXXX ) 4. Current Equifax Credit Report ( Source my Equifax web portal ) 5. Disable Dispute option ( Source my Equifax web portal ) All screenshots taken on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : Provide Physical Proof of Verification credit acceptance account number XXXX XXXX account number XXXX XXXX  account number 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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is serious, I am worried regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: MOHELA
State: AZ

Complaint narrative:
I have had XXXX Student loans since I XXXX XXXX XXXX I XXXX from a school who had been on the list of schools that were in trouble for not being able to use the degree. XXXX XXXX is a school on the list. XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX were all on the list of schools misconduct. I filed a misconduct complaint with navient waited 60 days haven't heard back and they now moved my loans to a new servicer. They keep telling me to refinance them. I shouldn't have to keep paying for these loans. My degree means nothing. It doesn't help me in my position at work. It hasn't gotten me anywhere. XXXX XXXX XXXX XXXXXXXX I never went to more then a week. They wouldn't work with my work schedule so I could attend there. Still stuck with a payment. I have been paying them too long, I can't stop or my credit suffers. I have teenagers I can't help through college because I am still paying on mine. Interest rates along are XXXX %. This is outrageous that XXXX can get away with this. My federal loans were forgiven because of the lawsuit XXXXXXXX XXXX XXXX Why am I stuck with these because they are private??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern at the CFPB, I am filing a complaint against Toyota Motor Credit for their failure to validate a debt listed on my credit report. This debt, reported as a closed charge-off with a balance of {$4200.00}, is negatively impacting my credit. 

Account Information : Creditor : ** Toyota Motor Credit Account Number : ** XXXX Balance Owed : ** {$4200.00} Status : Closed Charge-Off with a Past Due Amount of {$4200.00} Address : XXXX XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX Summary of Issue : On XX/XX/year>, I sent a debt validation request to Toyota Motor Credit , asking for verification of the debt and proof of my liability. To date, Toyota Motor Credit has failed to respond with any validation or documentation. This lack of response is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which mandates that they provide verification when requested. 

Requested Resolution : Due to Toyota Motor Credit 's failure to validate this debt, I request the following : 1. Immediate removal of this charge-off from my credit reports with XXXX, XXXX, and XXXX. 
2. Cessation of any future collection attempts, as no verification of this debt has been provided. 

Thank you for your assistance in addressing this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was taken to court by XXXX XXXX XXXX  and I have no recollection of this card. Im not the one that opened this card so I am reporting fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the bureaus. Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my credit profiles. The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. This account was deleted across XXXX and Equifax due to identity theft and this is only in XXXX. Additionally, there are fraudulent inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for XXXX XXXX XXXX XXXX - XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the bureaus. Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my credit profiles. The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. This account was deleted across Experian and XXXX due to identity theft and this is only in XXXX. Additionally, there are fraudulent inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for XXXX XXXX XXXX XXXX - XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
Earlier this year I received correspondence from Stillman Law Office, attempting to collect a debt for the amount of {$4800.00}, ( reference # XXXX ). A notice of Dispute and Demand for Validation and Proof of Claim per [ 15 USC sec. 1692 ] was sent to XXXX XXXX XXXX, XXXX XXXX. Included in the correspondence was a request to respond within 30 days of receipt. That correspondence was never answered, but I continue to receive more correspondences from said entity attempting to collect the debt. On XX/XX/year> a Conditional Acceptance Letter was sent to said individual ( Registered Mail No. XXXX XXXX XXXX XXXX ) which was received by Stillman Law Office on XX/XX/year> at XXXX XXXX. This correspondence also stipulated to be answer within 30 day of receipt, but was also ignored. Once again after failing to responded within specify time, I continue to receive additional correspondences attempting to collect said debt. On XX/XX/year> a Cease and Desist Letter was sent ( Registered Mail No. XXXX XXXX XXXX XXXX XXXX ) and was received by XX/XX/year> at XXXX XXXX. This correspondence also stipulated to be answered within 30 days of receipt, but no response was ever received. On XX/XX/year>, I receive yet another correspondence still attempting collect said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently noticed late payment errors on my credit report, which are inconsistent with my payment history. Please make the necessary corrections and update my account. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attn XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX Paid Balance To Whom It XXXX Concern, I am writing to formally dispute inaccurate information on my XXXX report regarding an account with Bank of America. Below are the details related to the account in question : Bank Name : Bank of America Account XXXX : {$XXXX} ( Paid ) Account Closure Date : XX/XX/XXXX According to my records, the balance of {$XXXX} was fully paid, and the account was closed on XX/XX/XXXX. I believe this account should not be negatively impacting my XXXX report, as the balance has been cleared and all obligations fulfilled. Please investigate this matter, and I would appreciate if you could remove any negative reporting related to this closed account, as it inaccurately reflects my financial standing. Enclosed, you will find supporting documentation, including proof of payment and account closure confirmation. Thank you for your prompt attention to this matter. Please inform me of the outcome of your investigation at your earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is serious, I am worried regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There's a credit card that shows was open and currently shows delinquent by me that I never opened. I never opened that credit card and need it removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
As part of negotiating seller credits during my home purchase I arranged for credits to be used towards repairs of the foundation and roof of the house. I asked Navy Federal the best way to handle the seller credits and they said we can add them to the closing statement to pay the contractors after we close. During the closing process, Navy Federal said they found that we had extra seller credit and that we could use it towards something else - buying down the interest rate. I didn't think to question where this came from because we had already had numerous conversations about the credits intended for repairs. We decided to use the " extra '' funds to buy down our rate. As it turns out this was a mistake. Navy Federal admitted they made an error in recording the amounts and relaying incorrect information to us. They refuse to give me any solution to remedy their mistake. It seems predatory and fraudulent from my perspective. They sliced off the credits needed for the repairs of my house to bait me into spending money on their rate buy down. If it's not predatory/fraudulent then its gross incompetence. Either way, I will never trust them again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying
that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed 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