vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
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: GA

Complaint narrative:
Issue : Unauthorized loan extension processed without my or my co-signers consent. Ally Financial is refusing to provide fraud documentation, delaying the investigation, and giving inconsistent responses. Additionally, Ally refuses to add extra security measures to my account despite this fraud incident. 


What Happened : XX/XX/year> : - My co-signer ( father ) received a letter from Ally Financial regarding a loan extension that neither of us requested. The letter did not state the reason for the request. 

XX/XX/year> : - I called Ally to dispute the extension. 
- I was told they would investigate and call me back in 2 business days but refused to provide a fraud case number or written confirmation of my fraud report. 

XX/XX/year> : - After not receiving a callback, I contacted Ally again. 
- I was told their " internal investigation '' actually takes 3-5 business days, contradicting what I was originally told.

- It took 2 hours of repeated questioning just to get any information, and their responses were unclear and inconsistent.

- They also said the request was made in SpanishI do not speak Spanish, and my co-signer ( father ) does not speak Spanish and neither of us authorized this extension. 
- Ally could not verify the phone number used for the fraudulent request. 
- Ally stated that before I could file a fraud claim, they had to conduct an " internal call review '' to verify the request. 
- Ally also informed me that they can not add extra security measures to my account because of this incident. 
- I was not given any fraud case number or written confirmation of the investigation because they claimed " that's a different department ''. 
- Ally refused to confirm whether my personal data was part of a data breach. 
- Ally knowingly misled me by directing me to the fraud department after hours, despite their website stating fraud support is available 24/7.

Attempts to Resolve : - I have made multiple attempts to get documentation, fraud case confirmation, and investigation details, but Ally refuses to cooperate. 
- Ally has delayed my fraud claim, failed to return calls, and provided conflicting information about investigation timelines. 
- Because Ally required an internal call review before allowing me to file a fraud claim, they prevented me from disputing the fraudulent activity immediately. 
- Ally refuses to add extra security to my account despite this fraud incident, putting my financial security at further risk. 
- Because Ally has blocked my ability to report fraud and refuses to acknowledge my case properly, I was forced to file an FTC complaint for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX  XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy poli

cies regarding how consumer data is shared. 18 U.S. Code 102
8A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences. 
The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes. 

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes. 

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am writing to formally submit a complaint regarding NewRez concerning their failure to process the assumption of my mortgage loan and their unauthorized withdrawal of funds from my account. 

Details of the Complaint : Company Name : NewRez Date of Home Sale Closing : XX/XX/year> Unauthorized Withdrawal Amount : {$2300.00} Nature of the Issue : My home sale was finalized on XX/XX/year>, and as part of the closing process, the new homebuyers were approved to assume my loan with NewRez. 
Despite this approval, NewRez did not process the loan assumption and instead withdrew {$2300.00} from my account after I had legally signed away my financial liability. 
I have made multiple attempts to resolve this issue, including numerous phone calls and emails. However, I have been unable to reach anyone in the assumptions department, and customer service agents refuse to transfer me, insisting I can only contact them via email. 
Despite multiple emails, I have not received any response. NewRez representatives claim they have no record of the assumption approval, yet I have confirmation from the title company that processed the closing that the assumption was properly authorized. 

Attempts to Resolve : Calls to customer service have resulted in no resolution, as representatives refuse to transfer me to the assumptions division. 
Emails sent to NewRez regarding this issue have gone unanswered. 
Documentation from the title company confirms that the loan assumption was approved and should have been processed correctly.

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 2025-02-13 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: IL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experians complies with federal law and provides consumers with the necessary proof of investigation. these are the accounts I found inaccurate - FETTI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-13 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: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2025-02-13 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: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2025-02-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has allowed rocket mortgage and capital one make a hard inquiry. Rocket mortgage agreed to remove the inquiry. Experian will not remove it. XXXX XXXX didn't have authorization to Inquire about 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously held a personal loan with XXXX XXXX, which was formerly known as XXXX XXXX. In XXXX, I encountered significant financial difficulties, making it challenging to negotiate a reduction in the interest rate with the company. Consequently, I sought assistance from a debt consolidation firm, XXXX XXXX, which facilitated the consolidation of my outstanding debts. XXXX XXXX accepted the settlement, and I fulfilled the payment agreement. Following this, I received a Form XXXX for the portion of the debt that was deemed taxable income, for which I duly paid the corresponding taxes. The debt was subsequently reported as settled on my credit report ; however, I have recently observed that the debt has reappeared on my credit report, indicating that the portion of the debt previously written off is now marked as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I was never late on the paid off account ALLY FINANCIAL, please show me documentation showing proof of transactions, showing I was late 4 times, to support your inaccurate reporting on my credit report. If you can not provide, please delete the late payments from my credit report. These are invalid late payments. The FCRA allows 30 days for this to be rectified. I have written the company three times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information.

The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter.

If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 

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 XXXXXX/XX/XXXX Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. 
Sincerely, 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 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased an insurance policy from XXXX XXXX, through one of their third party insurance agents. I purchased their XXXX XXXX plan, and was insured that it covered road debris, by their agent. I wanted this plan, as there has been a lot of construction in my area and I was worried about damage to my car. XXXX 's website states, " If the damage is considered preventable, then collision car insurance generally applies. If damage is considered unavoidable and unexpected, then comprehensive car insurance coverage applies. '' On XX/XX/XXXX I hit a log that was in the road, that seems to have fallen off a landscaping truck, and it was a completely unavoidable accident. This crushed my car 's oil pan and caused the engine to blow, shortly after. I had to have my car towed back home and contacted my insurance, immediately after arriving home. They stated that my insurance didn't cover that, and that it stated it in my contract. This contract they cited was something from XXXX, that I was not provided when I paid for my insurance plan, nor signed by me. XXXX 's claims adjuster and their supervisor, both stated, that even though my accident was unavoidable and unexpected, that my policy doesn't cover it, despite what their website states. I tried to work things out with XXXX, but they refused, so I cancelled my policy. As XXXX refused to provide the insurance I paid for, my bank determined they defaulted on the policy and were not owed the money paid, as a result. 

XXXX didn't like this and contacted a collections agency. I provided the collections agency with all of the information, but they are still constantly harassing me about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: UT

Complaint narrative:
I am submitting a formal dispute concerning Experians failure to properly handle my previous disputes, as well as its noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). My experience aligns with the systemic issues outlined in the recent CFPB lawsuit against Experian, which highlights significant flaws in their dispute resolution processes. 
I previously disputed the following items on my Experian credit report : Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX  XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX - XXXX - Unverified XXXX - XXXX - Unverified XXXX - XXXX - Unverified XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified Although I provided evidence supporting my dispute, Experian did not conduct a proper investigation.

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 2025-02-13 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 have sent several letters and emails trying to get information removed from my report. I have also called and paid professionals also try to have information corrected on my report. I have already submitted identity theft reports. I have opted out of prescreens and all other inquiries. I have also added a fraud alert and freeze to my account. Despite doing all of this, Experian is still allowing companies to submit invalid information on my account. Whenever I dispute the information, they reply back that the information has been validated. Well how did they validate it? What documents show that the information is supposed to be on MY consumer report? I know that I didn't authorize the info to be reported. I've opted out of everything. What exactly proves that the info should be there? What process did you use to make sure the information was supposed to be on my report before adding it to my report. Did you check with me first before adding information to MY consumer report? No one has permission to access my account or report. Experian is using my personal information for their benefit while using that same information to cause damage to my report, financial wellbeing, business, and life overall. I'm tired of asking them to do the right thing. They pretend to review, validate, and remove disputes, but they don't and could care less about how they're impacting the very same people who they make a profit from with their personal information. Then they send a general response stating that my request was illegible like they can't read typed writing at size XXXX font. This is abuse and they're forcing me into peonage. That's a violation of Human Rights. Their power of attorney and right to use my information has been revoked. FCRA states that you're supposed to have accurate information meaning that every credit bureau should have the same exact information with companies, amounts, and dates matching. That is not the case. Remove the information.

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