vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Second Follow up Request called several times no response containing delays Awaiting Respone from Executive Customer Respone team I am responding to your letter dated XX/XX/XXXX. 



In all my previous communications with you, I have not stated that I have retained legal counsel. Now, I am being told that I need to provide the details of an attorney when what I have requested is meditation and a proposed settlement for amount owed, after incorrect dues have been corrected, and the release of my title and once again this has not been addressed. 



Once again, I have not retained nor previously communicated that I have retained an attorney. I am further resubmitting my dispute. 

Please see dispute and details furthering from XXXX transaction details. I confirmed with my financial institution as directed that the {$870.00} was not in fact NSF as the answer I received in XXXX differs from the information and in XXXX. 



As a final resolution, I am requesting grounds of dispute based on the following : File : XXXX sent XX/XX/XXXX XXXX ) {$870.00} started additional fee accumulation from payment dated XX/XX/XXXX, for which Ally has stated " customer cancelled payment ', I have requested proof of this after confirming with XXXX XXXX, and it was confirmed that no such request was made by me, furthermore. I would like details regarding a request from me that I requested this payment to be returned. 

2 ) Payment history is illegible by printout XXXX ) Harassment from billing collectors, internationally and locally up to 5-6 daily from all different numbers, this is not allowed and borderline abusive to this extent. 

After multiple requests of stopping these calls, yet again today on XX/XX/XXXX, I received a call from XXXX XXXX ID XXXX. 

4 ) Delays of response per request via phone /supervisor XXXX ) Many months were spent since XXXX to request reply from supervisor, approximately two months ago I also requested Online Blog support to assist with rectification of this matter & this is when I finally got a reply as of XX/XX/XXXX from Executive Customer Relations Dept . 

6 ) Mediation total amount paid per contract My dispute is regarding outstanding fees accrued from multiple incidents over the duration of this auto loan. I am requesting a refund of fees from XX/XX/XXXX fees accrued, the additional fees charged after towing vehicle once payment terms had been negotiated, paid and in current payment plan and also if there is a preposition to settlement amount of TRUE outstanding balance once I have received a ledger that is clear and legible. The full research and exploration starting from the initial fee of {$870.00} needs to be conducted to clarify and justify the findings for the last 6 years outstanding which as a consumer is unacceptable. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA.

I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ]. Therefore, I expect that my dispute will be properly investigated within the timeframe mandated by the FCRA.

FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics. 
Please ensure that this matter is handled swiftly and in compliance with federal regulations. If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-11-17 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I have been a customer with PNC Bank for over XXXX, I noticed an ACH debit of {$250.00} going on for the past XXXX yrs totalling {$6000.00} I have filed dispute with them and it is under investigation. 
How did this bank allow these withdrawals without any approved merchant ID # I hope you can help me with this FRAUDULANCE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS 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 2024-11-17 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
The accounts listed below are reporting on my file and was found in my reports with Equifax and XXXX credit reporting agency. These accounts 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 regards 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 accounts removed from my file. XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: UT

Complaint narrative:
My XXXX  loans were discharged through my XXXX  XXXX Bankruptcy. I had to prove undue hardship at the onset of the XXXX process for these loans to be included in the XXXX. Nelnet will not acknowledge that these loans were discharged. Nelnet continues to bill me for these loans, adding interest each month. 
I have written to Nelnet and the DOE twice regarding the discharge. Nelnet has responded with a letter telling me that my XXXX filing does not automatically discharge my obligation to repay these loans. 
I have filed two disputes with XXXX Credit Bureau over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n alignment with my rights under the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

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

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 than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I disputed directly with the bureaus on XXXX & XXXX about the inaccuracies of the late payments. On XX/XX/year> I sent a letter directly to Shellpoint Mortgage ... ... XXXX asking for verification and to update the status of my credit report to current/paid on time, but it's still reporting as late which 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 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : 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 2024-11-17 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: NC

Complaint narrative:
XXXX XXXX for Department of Education showing incorrect account information on credit bureau reports with XXXX, Transunion and XXXX. XXXX is know longer the servicer on the account and the current servicer of the Account is XXXX for the Department of Education and XXXX is the Servicer for Department of Education Loans.

Credit Reports with TransUnion, XXXX and XXXX reflects the loan repayment status and payment due when the Department of Education has granted relief under the Student Defense forebearance.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX for Department of Education showing incorrect account information on credit bureau reports with Equifax, XXXX and XXXX. XXXX is know longer the servicer on the account and the current servicer of the Account is XXXX for the Department of Education and XXXX is the Servicer for Department of Education Loans.

Credit Reports with XXXX, Equifax and XXXX reflects the loan repayment status and payment due when the Department of Education has granted relief under the Student Defense forebearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX for Department of Education showing incorrect account information on credit bureau reports with XXXX, XXXX and Experian. XXXX is know longer the servicer on the account and the current servicer of the Account is XXXX for the Department of Education and XXXX is the Servicer for Department of Education Loans. 
Credit Reports with XXXX, XXXX and Experian reflects the loan repayment status and payment due when the Department of Education has granted relief under the Student Defense forebearance.

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 2024-11-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These are the accounts that I have ask Experian, XXXX, and XXXX to remove from my report because they do not belong to me. Ever since all XXXX bureaus has had a data breach to where my information that they are supposed to keep safe and not let anyone pull my credit or place anything on my credit has been hack and now everyone has my information. These accounts and inquiries need to be validated if not validate correctly it needs to be removed as soon as possible from my credit. I need the original purchase agreement for debt, Insurance claim of the debt, the XXXX with the original creditor, and the statute of limitations and last payment missed on the debt if this was my debt. These are the Collection : 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 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 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a lady name XXXX XXXX posted a message that she was moving and needed to sell a Lovesac Sectional for {$600.00} with delivery possible. I responded to her ad and the additional {$30.00} she said she would deliver the sectional by noon. She said she was in at church currently and would get back with me. I used XXXX from Truist to transfer her the {$630.00} to deliver the sectional. Her husband 's name supposedly is XXXX XXXX XXXX. The phone number listed is where I had the XXXX money sent. No delivery and now no profile later.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Around XXXX, I was able to pay off all of the debits I encurred taking care of my mother with XXXX. I payed everyone back, some accounts were settled for less than the amounts owed. Chase was a company I settled through another company whom bought the account. I continued to receive collections call from another company on their behalf. I explained mutiple times and sent the documentation to show I had payed the account, which was {$500.00} in full for the XXXX and the extra fees charged were supposed to be null because that was the actual credit limit and at the time I defaulted the card was not maxed out, and the collections agency said that would be the best they could do to settle the account. So I payed them over the phone. For about six months the calls stopped. Then they started again with Chase saying I owed just {$500.00}. Again, I said I did not owe the money, and that the account had beeen settled and gave the information. A few months later another collections agency contacted me saying the bought the account from chase and that I could pay them. My credit report is still showing the original creditor, being chase. When I called them they said that they never received payment for the account. I alerted them that they sold the account and the collections agency had recieved the money. They told me they bought the account back and that I now owed them the money for the account. While disputing this with them, I and my children had to flee our home due to XXXX  XXXX, my life was basically thrown away as revenge and what calls that were being recieved, I was unaware that my phone had been cloned. My x had his sister and niece calling/answering certain calls and making promises to pay this bill again. I again called and explained that I already sent the information and that they were not talking to me. They began calling me non stop three and four times a day. I ended up blocking them enough times to have mental peace, however its been 9 years and they are still reselling the account and not only are the new owners marking my credit report, Chase the original owner is making bad marks on my credit report. I dont know how to get them to stop, and I havent answered a call from them in over 4 years, three of those years I was homeless with no address. Im not sure what else to do, I tried to go to the police, but my problems are not monatry enough for them to get involved. I tried to show the accounts that were payed the same time to show I payed everybody and some were more than XXXX, why would I skip the one account. Now they dont call as my number has never changed, but they continue to negatively report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi my name is XXXX XXXX. 

I am writing to formally request the removal of a duplicate credit inquiry from my credit history. Upon reviewing my credit report, I noticed that a credit inquiry was made twice in error by company XXXX XXXX. This duplication is negatively impacting my credit score. 

I believe this was a mistake, and I kindly ask that you investigate this matter and have the second, duplicate inquiry removed from my credit history. This action would help ensure that my credit report reflects accurate and fair information. 

Below are the details of the inquiries : Bank XXXX XXXX Hard Inquiry XXXX : XX/XX/2023 Hard Inquiry XXXX : XX/XX/2023 Hard Inquiry XXXX XX/XX/2023 XXXX XXXX XXXX Hard Inquiry XXXX XX/XX/2023 Hard Inquiry XXXX XX/XX/2023 Hard Inquiry XXXX XX/XX/2023 My full name : XXXX XXXX My date of birth : XXXX The last XXXX digits of my XXXX XXXX I appreciate your prompt attention to this matter and look forward to hearing from you soon. Please let me know if you require any further information or documentation to resolve this issue. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company response to consumer: Closed with explanation