vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Balance : {$0.00}.

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 2023-12-30 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: PA

Complaint narrative:
Nelnet have taken over XXXX months period to my deferment, at this point interest been accrued over 200 % as it been XXXX months WITHOUT ANY progress done by Nelnet. Payment processing taking over 5 days to complete yet interest accrued EVERYDAY. Have called them MULTIPLE time to address this issue regarding my application for SAVE plan and IDR processing time without any adequate respond. Why am I bother paying taxes for these kind of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX needs to be removed and deleted from my credit report due to the Statue of Limitations it has been XXXX years and XXXX months I have spoken to the company and they repeatedly re-age but never delete please delete and remove immediately from 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 2023-12-30 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: LA

Complaint narrative:
XXXX XXXX needs to be removed and deleted from my credit report due to the Statue of Limitations it has been XXXX years and XXXX months I have spoken to the company and they repeatedly re-age but never delete please delete and remove immediately from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
Our loan originated on XX/XX/2017 with OneMain Financial. When we first applied for this loan, the company did not explain that we were taking out a title loan. We just assumed that we were putting our car up for collateral, but were young and naive and didn't understand what that meant. The company did nothing to explain it to us, and therefore, we ended up owing {$17000.00} on a car that was worth less than {$5000.00}. Since that original loan, we have had to " extend '' our loan several times, especially through covid. There was even an additional life insurance premium added to our contract that we were told we were required to purchase. So, we have been paying 18 % interest on a {$1300.00} now for XXXX years. Currently, when you login to our account, it shows that they total owed is around {$9400.00} but when we call to get a pay off amount, they tell us we owe upwards of {$11000.00} due to the extensions on our account. Again, no one told us about this. Most recently, I found out that a family member of mine went to a local branch of OneMain, the employee ( s ) there gave them ALL of our account information including the interest, amount owed, original amount financed. This seems like a major breach of contract. There are so many issues here that I don't even know where to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open account entry on my credit report, despite multiple attempts to correct this discrepancy. As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open account entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from XXXX Credit Bureaus. Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open account from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct thIs late open account in my credit file XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 Balance : {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: NY

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: NY

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Balance : {$6100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: TX

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX  Balance Owed : XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX  Balance Owed : {$3600.00} XXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2023-12-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
XX/XX/XXXX : My aunt bought this gift card at XXXX XXXX NY for me XX/XX/XXXX I received the card as a gift for my graduation Days after I tried to use it in several ways, XXXX, XXXX XXXX, XXXX etc I think this is gon na be important Gift card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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: AR

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to XXXX Credit Bureaus. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. It is my expectation that XXXX Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : 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 Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : 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 2023-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I took a loan out with One Main Financial, to consolidate my student loans, car notes, and other debt, back in XXXX or XXXX XXXX XXXX 

They promised that the consolidation would pay off student debt ( which it did not do ) cover my car note and other expenses. My student loans still exists. XXXX XXXX XXXX, I went to a car dealer to discuss the possibility of another car - my XXXX XXXX was on its last leg- the car dealer reviewed the terms set by the loan made by XXXX XXXX, and said that this was not how car loans worked, and they took advantage of me. Both he and his colleagues explained that the interest rates they are charging are unethical. From my research, I saw where he was right. I felt pressured to sign up for extra chargers that were unnecessary such as GAP insurance ( one of many ) that only upcharged my interest rates. I would like reimbursement and a separation from them. I had an accountant do the math. I pay XXXX monthly since XXXX, and they have literally only applied XXXX to the principle, the rest they've collected in interest. A true loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hi my names XXXX and I live in Georgia. Recently I received an AMEX gift card, but Ive been disappointed for the last few days because I am constantly trying to use this card and no where is allowing me to make purchases. Even online! Ive called American Express but they are useless and tell me to make sure information is right..Nothing has worked. I dont know what else to do. I would hate to throw the card away even though I know theres a significant amount of money on the card. Help me please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX  Balance Owed : XXXX XXXX XXXX  Balance Owed : {$740.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2023-12-30 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: TX

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX CHILD SU XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  Balance Owed : XXXX XXXX XXXX Balance Owed : {$740.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: CT

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
The company constantly contacted me asking for an extremely higher amount and force me to send them a XXXX XXXX for a paid off account that was not originally theres before the payment was posted to the account a refund was requested. Instead processing refund company said they would put they will not contact me on the file and hung up. This is illegal and i was scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: AL

Complaint narrative:
XX/XX/2023 Company-XXXX  XXXX Amount- {$1600.00} Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, un written, verbal and non verbal per 15USC6802.

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 2023-12-30 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:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 response to consumer: Closed with explanation