vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
This complaint is about Ally Bank On XX/XX/2023, i logged into my account to do a XXXX transaction, this was my first time using XXXX  with Ally. The Ally app notified me that something went wrong and that i should call in to verify some information before i can proceed with XXXX. I called in at XXXX XXXX and talked to an associate that said that i would not be able to use XXXX  because they can not verify my number. 
After about an hour or so, i tried to log into the app again and this time there was different notification. It stated that i was locked out of my account because of 'fraud '. I called in again and they mentioned that, the bank is locking my account even though i had provided all the information needed to verify my identification. The customer rep for Ally bank said that the account will be frozen for 30 DAYS as they carry out the investigation. 
I am in need of the funds in the account since im currently traveling and that is my only source of income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found on my credit report, and I would like to bring to your attention that these items are in violation of the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. I have noticed the following inaccuracies and unauthorized credit inquiries that need to be removed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Account Number : XXXX The information reported on this account may be incorrect, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you remove these negative items and unauthorized credit inquiries from my credit report, in accordance with the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. Additionally, I would like to receive a written explanation of the steps taken to correct these inaccuracies and an updated copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found on my credit report, and I would like to bring to your attention that these items are in violation of the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. I have noticed the following inaccuracies and unauthorized credit inquiries that need to be removed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Account Number : XXXX The information reported on this account may be incorrect, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you remove these negative items and unauthorized credit inquiries from my credit report, in accordance with the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. Additionally, I would like to receive a written explanation of the steps taken to correct these inaccuracies and an updated copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found on my credit report, and I would like to bring to your attention that these items are in violation of the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. I have noticed the following inaccuracies and unauthorized credit inquiries that need to be removed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Account Number : XXXX The information reported on this account may be incorrect, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXXK XXXX  XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you remove these negative items and unauthorized credit inquiries from my credit report, in accordance with the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. Additionally, I would like to receive a written explanation of the steps taken to correct these inaccuracies and an updated copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I voluntarily closed my XXXX account but it has failed to report my account as Closed By Consumer to every CRA, especially XXXX. Moreover, I attach a XX/XX/2023 XXXX screenshot of an account information change notice stating that Between XXXX. XXXX, XXXX  and XX/XX/2023, the account number was changed on this account. My account number was not changed. Please investigate and correct or delete the inaccurate account number change and the continued false reporting my closed account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I voluntarily closed my XXXX account but it has failed to report my account as Closed By Consumer to every CRA, especially XXXX. Moreover, I attach a XX/XX/2023 XXXX screenshot of an account information change notice stating that Between XXXX. XXXX, XXXX  and XX/XX/2023, the account number was changed on this account. My account number was not changed. Please investigate and correct or delete the inaccurate account number change and the continued false reporting my closed account as open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC
State: CT

Complaint narrative:
My Wife niece which is XXXX XXXX was going to the XXXX XXXXXXXX XXXX but needed a adult to sign a paper stating that she lived with me in the absence of her parents. 
Nothing was discussed with XXXX XXXX or the University about anything Financial or I will cosign any loan. 
I have discussed with XXXX about me not cosigning any loan for her. 
XXXX assured me the me signing any document have nothing to do with any school loan. 
To my surprise I got documents from creditors stating that I owed money for cosigning loan for XXXX which the document have a wrong Social Security on it. 
I have no idea who submitted that cosign document with any of my information but I assure you it's not me. 
XXXX assured me that I'm not responsible for any cosign loan and I never sign any document pertaining to loan. 
XXXX Rock Creek Captital Lender XXXX XXXX {$24000.00} Date of burrow XX/XX/2017 Loan amount {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have not lived at these addresses which are on my credit report. This was reported last year in a report to correct my address. The proof was submitted and nothing was done about it. I have submitted my ID and passport. These addresses have never been on my other reports. I'm trying to get my errors corrected on my Experian 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 2023-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Companies involved : Great Lakes Borrower Services and Nelnet. 

XX/XX/XXXX - This is related to another complaint against Great Lakes. Their reply was that this matter was out of their hands since it's Nelnet 's debt. 

XX/XX/XXXX - I received a paid in full email from Great Lakes. It was a XXXX XXXX. XXXX ref number : XXXX. XX/XX/XXXX - With the Biden loan forgiveness program, I called Great Lakes to look into getting a refund on the below amounts. Refunded Refund ID Reason for Refund {$5300.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. {$2000.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. The Great Lakes customer service representative stated that they can refund the account that made the payment, and I would be receiving a " balance '' for that amount, but that was just normal protocol, and I would not have to pay that amount back. XX/XX/XXXX - I received an email which stated that my debt was being sold to Nelnet and the email requested that I setup an account so I could service my debt through Nelnet. I ignored the email since Great Lakes told me that the debt amount was essentially a placeholder, and I did not have to pay it back. XX/XX/XXXX - I received a phone call from Nelnet saying I must sign up for a new account in order to service the debt. I asked why I need an account for a placeholder amount that I don't need to pay back. Nelnet replied and said I have an outstanding balance of {$7300.00} that I would need to pay back pending the outcome of the legislation/appeal related to Biden loan forgiveness plan and the supreme court ruling . I called Great Lakes to clarify, and they confirmed the above from Nelnet. I explained that on XX/XX/XXXX, the customer service representative said the amount does not need to be paid back, to which they replied " we're sorry that they incorrectly explained that to you. '' I would like to have that debt alleviated, if I had known this was the case, I would have just left the debt paid in full and not pursue any type of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I received a notice in the mail from Bull City Financial Solutions , Inc stating I owe XXXX XXXX {$1000.00} and that {$450.00} has already been paid and {$620.00} is still owed and that I have until XX/XX/XXXX to call in to dispute the debt. I called on XX/XX/XXXX and spoke to a man claiming his name is XXXX and I filed my dispute stating I don't owe the money and what I do owe from my hospital visit on XX/XX/XXXX both hospital and physician bill is on a monthly payment plan of {$50.00} that is paid through the billing service used by the hospital and physicians. To this day I still haven't received the itemized bill with list of charges, insurance payments, direct payments, etc from Bull City Financial Solutions , Inc. pertaining to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: RI

Complaint narrative:
In XXXX, I cancelled my XXXX services, at which time they ( XXXX ) indicated that I had to pay a termination fee of {$430.00}, which I disputed. I told them ( XXXX ) at that time that there were NOT authorized to charge my card for this. XXXX charged me anyway. Subsequently, I spoke with Discover and set up a dispute, at which time, I informed Discover that they were not authorized to post the XXXX charge and that I would deal with XXXX collections separately. I noticed on my current statement, that Discover went ahead and reposted the charge. This dispute is between XXXX and me and I will handle it outside of my credit card. The issue here is that I have informed both parties that they do NOT have my authorization to complete this charge and my wishes are being ignored. I want the {$430.00} removed from my credit card bill immediately as, as I have previously stated, XXXX can start collections for the money and I will handle that with an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been getting charged for late payment 's which are suppose to be {$20.00} if payment is late. On time payments have accrued late charge fee 's without my knowledge. There are statements that do not add up correctly. Last payment amount should have brought my account up to date with late charges. Wells fargo states I owe an additional {$240.00} odd dollars for this current payment which was payed the beginning of this month on XX/XX/23. Waiting on XX/XX/23 statement to be accounted for on my account which I made a payment of {$260.00} on XX/XX/23 to bring my account up to date. There should not be an additional {$240.00} still owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello I am filing this complaint because the band XXXX XXXX XXXX that I was paying my monthly payment. I applied for and natural disaster forbearance because of the Covid pandemic. Unfortunetly the pandemic affected our house hold income because my wife lost her hair salon business because of the pandemic. We had no other choice but to apply for this help because income was affected. We eventually sold the home in XXXX of 2022 I informed XXXX XXXX XXXX of this. And they said ok no problem and not to worry. So we closed and XXXX XXXX XXXX was paid in full I even received a letter stating that. At no point in time did they say thye will report a late payment when they had no reason or right to do so. They did this after they received full payment without notifying us. And they knew that my spouse lost her business because of Covid. So this report of late payment has affected my score and my spouse score and now is making shopping for a new mortgage very difficult because the lower score we can only get bad interest rates. I have contacted the bank nuerous times and I just get the run around i had 2 supervisers tell me thye didnt report anything and then I have another superviser saying they did. Very rude and not caring at all. All I want is this late payment which shoulf not be there removed off my report and my spouse please. 
Thank you for your time XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation