vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In XXXX I leased my XXXX XXXX through XXXX XXXX. In XXXX I decided that I wanted to keep my XXXX and took a loan with Ally financial. At that point they should have had the title transferred from XXXX to them Ally Financial and they never did. They were also responsible for sending the Virginia Dept of Motor Vehicles the sales tax in the amount of {$1000.00} which they did not. In the loan contract attached you will see that my loan with Ally was satisfied and that the taxes in the amount of {$1000.00} were included in the loan but DMV has informed me that they never received the transfer of title from XXXX to Ally or the taxes. I have spent numerous hours on the phone talking to every department. On XX/XX/XXXX, I spent the entire day being transferred from department to department only to continue to not have no resolution. They are telling me I have to go after the car dealer for the taxes but my loan is between me and Ally. There is no other Seller on the sales contract but Ally. Ally is the Seller and lender of the loan which clearly makes Ally responsible to pay the taxes. I just want to sell my vehicle and am unable to do so because of this. I feel as though they have stole money from me at this point. If they will just look through their records to find this check that may help in some way but I can't even get that far with them because they keep telling me they are not responsible when its clear that they are. I really hope that you can help me with this situation because I am getting no where with Ally financial. They are not helping me and this money was paid and satisfied in my loan so they should be the responsible party to pay it but they are telling me that they are not responsible and the only way I can get the title to my vehicle is if they pay the taxes which are owed by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NY

Complaint narrative:
In XXXX Nelnet became the servicer of my loans, which were previously being serviced by Great Lakes. I received monthly statement emails from Nelnet during the last few months of XXXX. Receiving monthly statements is very important to me because ( a ) I need to keep track of my dues and ( b ) I make immediate payments without relying on autopsy. 

Nelnet stopped emailing me monthly statements in XX/XX/XXXX. This resulted in a missed payment in XXXX. I called Nelnet on XX/XX/XXXX, to find out why I am not receiving monthly statement emails from Nelnet. Nelnet stated it did not have my email address. I confirmed with Nelnet that ( a ) my email address has remained unchanged, ( b ) provided Nelnet with my pre-existing email address that it had on its files, ( c ) ensured that no email from Nelnet was being filtered by XXXX, and ( d ) I had enabled such that emails from Nelnet will be considered as trusted contacts such that it will be less likely to be marked as spam. 

During my lengthy call with Nelnet in XXXX, I was assured multiple times that I would begin to receive monthly statement emails from Nelnet. I still do not receive monthly statement emails from Nelnet. 

As I had mentioned before, I missed my XX/XX/XXXX payment because Nelnet did not send the XX/XX/XXXX statement email. I made both XX/XX/XXXX and XX/XX/XXXX payments during the phone call with Nelnet in XXXX. Note that after making these payments, I did not receive payment confirmation emails from Nelnet. 

Despite Nelnet 's assurances, I did not receive the February 2023 monthly statement from Nelnet. This resulted in a missed payment in XXXX. 

It appears that Nelnet is not taking matters seriously when it comes to alerting accounts of bills. Nelnet phone representatives are less than enthusiastic when it comes to taking complaints and resolving complaints. Please step in and make Nelnet send monthly statement emails such that I and other account holders at Nelnet do not end up paying late fees due to Nelnet 's incompetence and/or negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sold two items on PayPal. The purchaser filed a dispute with the items. He most likely purchased another one before he received the item I sold him so he no longer needed it. PayPal allows him to ship back one of the two items I sold him. They determined that item is worth {$800.00} where it is actually worth XXXX. This process has been going on since XXXX of XXXX. Now the purchaser has shipped an item back but apparently has shipped it to the wrong address and I have not received it. This was 3 days ago. PayPal is not giving me answers. Not trying to help with this resolution at all. I'm very disappointed with the help I have received from PayPal and it is very concerning that this is the only thing that I can do to help with the situation. All I can do is send an email to you guys. Which is most likely probably not going to help. It's most likely going to take weeks and months. I just want my money from PayPal or my items back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: MN

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 explanation
Consumer complaint received 2024-03-22 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: MN

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 explanation
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Figure Technologies, Inc
State: MI

Complaint narrative:
I received a {$22000.00} HELOC from Figure Lending XX/XX/XXXX. XX/XX/XXXX Figure Lending supposedly sold my loan to XXXX XXXX XXXX XXXX. Then in XX/XX/XXXX the loan was sold again to XXXX XXXX XXXX. But the loan was NEVER sold. In XX/XX/XXXX Figure Lending assigned my mortgage to XXXX XXXX XXXX XXXX as recorded with the XXXX XXXX XXXX of deeds. Then again in XX/XX/XXXX transferred it back from XXXX XXXX XXXX XXXX to Figure Lending. Figure Lending is the current owner of my mortgage despite claiming to have sold it. I have filed bankruptcy and even the court documents show Figure Lending as my lienholder. XX/XX/XXXX Figure Lending LLC filed an objection to my XXXX XXXX plan despite claims of selling my loan and no longer having an account for me or collecting payments on my loan. Figure Lending is still listed as my creditor. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
see attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
It has come to my attention that on my credit report you have an open collection for the amount of {$260.00} as of XX/XX/2024. Its also showing that there is {$260.00} past due. 
I do not owe this money. This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. 
IRS Documents such as 1099a, 1099XXXX and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule XXXX XXXX XXXX can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
It has come to my attention that on my credit report you have an open collection for the amount of {$260.00} as of XX/XX/2024. Its also showing that there is {$260.00} past due. 
I do not owe this money. This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge.

Full accounting ledger.

All legal documents.

An explanation showing me how you have computed the amount.

Copies of any documents that prove I agreed to pay the alleged amount.

The identity of the original creditor.

Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule XXXX XXXX XXXX can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following XXXX5 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information 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 explanation
Consumer complaint received 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are many inquires on my credit report that I do not recognize. Last year I had someone open an account on my name. I think all these inquires was from that situation. Here is a list of all the inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2024 I got a forensic audit done by way of XXXX XXXX. In the report it shows Capital One, securitizing my application in their trust account. Then after it was securitized they began to trade it and make money off my account without my consent. This is a violation of the SEC.

Company response to consumer: Closed with explanation