vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing this complaint against Ally Bank due to their failure to respond to multiple goodwill adjustment requests regarding late payments reported on my credit report. 

I have written Ally Bank three separate times and have called their customer service department twice in an effort to request a goodwill adjustment for the removal of late payment notations. These requests were made respectfully and with the hope that Ally Bank would consider my history as a customer and my effort to maintain good financial standing. 

Despite my repeated attempts, Ally Bank has failed to respond to any of my written or verbal correspondence. This complete lack of communication is not only unprofessional but also unfair, as I have made every effort to address the matter directly and amicably. 

I am filing this complaint with the Consumer Financial Protection Bureau due to Ally Banks failure to respond or acknowledge my requests regarding this matter. 

I respectfully ask that the CFPB assist in compelling Ally Bank to respond to my goodwill request and review the possibility of removing the reported late payments from my credit history. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My property was sold on XXXX XXXX It was to My understanding that the company was still working on the XXXX  that was submitted and received and Bank of America was asking for more time.We assumed and were led to believe that the sale of the property has been closed.I looked up the date and the data said property auction had been cancelled.Within a weeks time a negative news came through XXXX XXXX XXXX XXXX XXXX that the property was sold for XXXX. 
We then received another notice statement saying Bank of America has sold the property for XXXX bank had also sent a letter stating that a person was assigned to work on the XXXX. I'm assuming that XXXX was given authorization to sale the property for Title but Bank of America had to be the company to make the purchase of Title in order to forclose.The XXXX  drafted by The XXXX XXXX XXXX has never been completed and the audit is a request that has not been answered or fulfilled.

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 2025-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage with SPS Servicing ( Loan # XXXX ) was fully paid off on XX/XX/year>. According to their online portal, my escrow balance of {$19000.00} was cleared shortly afterward and I received a notice in XXXX stating that the refund had been processed. 

However, as of XX/XX/year>, I have not received the refund check. I contacted customer service on XX/XX/XXXX and again on XX/XX/XXXX. I was initially told a ticket would be created to reissue the check, but later learned that no check had been reissued, and no confirmation could be given as to whether a check was ever sent at all. The agents could not provide any clear updates, tracking information, or mailing details. 

This delay has now extended well beyond the reasonable timeframe ( 30 days ), and I believe SPS is failing in its obligation to return escrow funds in a timely and transparent manner. 

I am requesting immediate reissuance of the refund check and interest compensation for the extended delay. I also request that CFPB investigates SPS Servicings escrow refund process, as it appears to be inconsistent and unaccountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian

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 2025-04-26 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: MO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NV

Complaint narrative:
I am submitting this formal request to update my personal information and remove incorrect addresses associated with my credit file. I have noticed that certain addresses listed on my report are inaccurate and should not be linked to my profile. These incorrect addresses could result in my personal mail and sensitive information being sent to the wrong location, posing a risk to my security. 
The incorrect addresses I request to be removed are : - XXXX XXXX XXXX XXXX, XXXX  XXXX These addresses do not belong to me, and I have never resided at or used them for any official purposes. The only correct address that should be associated with my profile is : - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX For the accuracy and integrity of my credit file, please remove these incorrect addresses immediately. Additionally, I request a confirmation letter once these changes have been made. 
If my request is not honored in a timely manner, I will escalate this matter under the Fair Credit Reporting Act ( FCRA ) Section 1681i ( a ) to ensure maximum possible accuracy in 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 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX and signed a Retail Installment Sale Contract. The dealership represented that financing had been secured through XXXX  XXXX XXXX ( XXXX ). I later confirmed directly with XXXX that no loan was ever finalized and no account exists in my name. 

Despite this, approximately 60 days after the original purchase on XX/XX/XXXX an unauthorized hard credit inquiry from Ally Financial appeared on my credit report. I did not authorize XXXX XXXX or Ally Financial to perform this second inquiry after such a significant delay. 

I contacted the dealership to request information regarding the financing and the credit inquiry. They failed to provide any written documentation proving I authorized a second credit pull or that financing had been properly completed. 

I am requesting removal of the unauthorized Ally Financial inquiry from my credit report and a full investigation into XXXX XXXX 's and Ally Financials handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is inaccurately reporting the following charge-off accounts that are unverified, misleading, and causing serious harm to my credit profile : XXXX  XXXX * * * * {$6700.00}, XXXX XXXX  XXXX XXXX * * * * {$9200.00}, and XXXX XXXXXXXX * * * * {$1600.00}. These accounts have been previously disputed, yet TransUnion has failed to provide legally mandated documentation to verify the accuracy of these entries. There is no signed agreement, payment history, or account-level documentation confirming the legitimacy of these alleged debts. Under XXXX XXXX XXXX, TransUnion is required to conduct a proper reinvestigation and delete any account that can not be fully verified. Their ongoing reporting of unverifiable and damaging derogatory data is a direct violation of the Fair Credit Reporting Act and constitutes willful noncompliance under 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 2025-04-26 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: NC

Complaint narrative:
I had contacted several departments regarding the new rule with taking all medical debt off of my credit report in accordance with the new rule passed on XX/XX/XXXX. I was told to file a dispute which I did. After filing the dispute, I was told on XX/XX/XXXX that it would remain on my report until XXXX. They have not verified that the debt is in fact mine. They are refusing to take it off of my credit report. XXXX XXXX has medical debt and that debt collector has never verified nor proved that debt belongs to me.

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 2025-04-26 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I attempted to open a Credit Karma XXXX XXXX  account. Despite having a Credit Karma account and offering to verify my identity securely, Credit Karma refused to provide reasonable alternative methods of verification. Their system failed to verify my information automatically, and they placed the burden on me rather than offering a solution. Support chat offered no real assistance, relied on copy-pasted responses, and ultimately blamed their system without making good faith efforts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-26 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account XXXX XXXX XXXX & Account Number XXXX as shown on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account XXXX XXXX XXXX & Account Number XXXX as shown on my 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 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Independence Capital Recovery, LLC
State: AR

Complaint narrative:
On XX/XX/year> I had a relative text me stating they received a phone call from Independence Capital about my payment declining so I need to contact them. When I contacted Independence Capital I spoke with XXXX, I asked him why are my relatives receiving phone calls about my debt and its being discussed. He stated they have XXXX # XXXX for me. I informed him that Ive only ever provided XXXX phone number so no other number should be contacted and if they are my debt should not be discussed. At this point he became angry stating, well I called you and left voicemails and sent emails and you have not responded this week. Are you just ignoring me? I informed him that again its still unlawful to speak with third parties and others debt. He ignored me and asked for payment. This is the XXXX time XXXX has contacted this relative about this debt. He called this relative on XX/XX/XXXX and informed him that he was trying to collect payment about a debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
XXXX am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information  on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes  which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 2025-04-26 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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