vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: GA

Complaint narrative:
XXXX, Equifax, and XXXX ignored my opt notice on XX/XX/XXXX. XXXX, Equifax, and XXXX have refused to remove unauthorized inquiries, collections, and late payments from my credit report. All credit/consumer reports are to be uniform and accurate in reporting. My consumer reports for XXXX, Equifax, and XXXX are neither. 

The Privacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; LATE PAYMENTS and CREDIT UTILIZATION AMOUNTS AND PERCENTAGES, AND BANKRUPTCIES are all, in fact, transactions and experiences between the consumer and the person making the report as explained in the US Code provided above, and are, therefore are being inaccurately and unlawfully reported within my consumer report.

This complaint is also a notice of arbitration. I am only submitting this complaint as the arbitration instructions state I must resolve my issue before moving forward with arbitration. I've attempted to resolve these issues on multiple occasions. Im ready, willing, and fully prepared to move forward with the arbitration process against XXXX, Equifax, and XXXX. 

I've uploaded all relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: NC

Complaint narrative:
This serves as one of my many grievances regarding being a victim of identity theft. I am writing to contest certain accounts listed in my file that stem from this criminal activity. The account in question has no connection to any transactions for goods, services, or money that I have authorized or made. It is entirely unfamiliar to me. Additionally, discrepancies exist in the information provided on certain accounts, as they have been removed from other bureaus, casting doubt on their accuracy. The reported payment history on some accounts is also unclear to me. I request that any information in my credit file resulting from alleged identity theft be blocked from reporting.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 non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
To whom it may concern : I would like file a complaint regarding my XXXX Credit Card. OneMain As of XX/XX/XXXX I logged into the portal of XXXX to make my credit card payment- in which I found my credit card over the limit. In which my credit has never been over the limit. I investigated the transactions, in which charges reflect on my credit card that I didnt approve. On the same day XX/XX/XXXX I called in to file a dispute in which the dispute department was closed at that time. I then went through the process to freeze my account, and close out the current credit card and send me a new card, On XX/XX/XXXX I called XXXX to speak to the dispute department to advise of these charges that were on my account, The young lady advised she processed the dispute and here back soon. 

I then advised the young lady I need to make my payment in which is due on the XXXX - and the portal is not allowing me to make payment due to the freeze on account. She then advised I would need to speak to customer service, I said, okay, she then transferred me over to customer service, I spoke with a gentleman provided all my information to advise he was unable to locate my account? I advised sir! I just spoke with disputes and they were able to verify my account information, he said that he is unable to verify my account and no resolution. 

I then on XX/XX/XXXX tried to make a payment on the portal again, in which after 4 times it was successful. 

After making payment - I go back and look at my transactions, and come to my surprise another charge was approved on my card from the same merchant. I said how is this possible.? I froze my account and XXXX is sending me and her card. 

Well, on XX/XX/XXXX I called customer yet again in which this a process calling to obtain a representative I spoke with another gentleman, he couldnt answer why this happened, and she then said he is sorry, I then said could I speak to a supervisor? He said yes .. he then tried to get a supervisor on the phone, after 2 attempts to no success.. he then advised he would put a call back form in and the supervisor would call me back within the hour. Well, that didnt happen. 

Its now XX/XX/XXXX - no call back - Charges still reflect on card My credit is over the limit Its now reflecting on my credit report showing card over limit and my credit score was impacted. 

Charges in the amount of XXXX XXXX OneMain customer service is absolutely atrocious- the card is great! 
No resolution to the madness In hopes of me doing this I will have expedited resolution to the madness. I do not like file complaints, but this is beyond my comprehension, yet its impacted my credit, and also my money, Please assist if you are able XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-24 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: NC

Complaint narrative:
Despite numerous written requests, the unverified accounts listed below persist on my credit report, contravening federal law. The Transunion Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe, and continues to report unconfirmed information. Given all my efforts to rectify this matter directly with the creditor, this now amounts to willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-24 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: NC

Complaint narrative:
Despite numerous written requests, the unverified accounts listed below persist on my credit report, contravening federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe, and continues to report unconfirmed information. Given all my efforts to rectify this matter directly with the creditor, this now amounts to willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-24 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: NC

Complaint narrative:
This serves as one of my many grievances regarding being a victim of identity theft. I am writing to contest certain accounts listed in my file that stem from this criminal activity. The account in question has no connection to any transactions for goods, services, or money that I have authorized or made. It is entirely unfamiliar to me. Additionally, discrepancies exist in the information provided on certain accounts, as they have been removed from other bureaus, casting doubt on their accuracy. The reported payment history on some accounts is also unclear to me. I request that any information in my credit file resulting from alleged identity theft be blocked from reporting.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
The amount that they are reporting is more then what the original amount that I was suppose to pay back. The loan was only XXXX. But they are reporting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It has been several months since I last reviewed my credit report, and I have discovered that some information is still inaccurate. The three credit bureaus are obligated to verify these items as per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to consider these reported items as unverified without providing evidence within the lawful timeframe. Pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I request an immediate investigation into the unverifiable items and their prompt update in my report.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 2024-03-24 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: TX

Complaint narrative:
I received my credit reports and noticed an address that does not belong to me for an apartment complex.I called and was told they didnt see my name, but someone is using my ssn without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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 received my credit reports and noticed an address that does not belong to me for an apartment complex.I called and was told they didnt see my name, but someone is using my ssn without my permission.

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 2024-03-24 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: CA

Complaint narrative:
For the credit report XXXX XXXX XXXX XXXXXXXX, there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/23, I asked for certification of this account belonging to me from the 3 credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my XXXX and Experian accounts for this violation.

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 2024-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: FL

Complaint narrative:
WORST experience EVER. 
Have never had such a damaging experience in my 50 years of buying or leasing a car. 
Leased an XXXX XXXX XXXX from XXXX Audi. Paid XXXX on the lease over 3 years. Returned the car to XXXX Audi at end of lease to ground the car. 3 months later woke up to my credit score being destroyed from XXXX to XXXX due to a debt filed by Audi Financial for a {$39000.00}.

DEBT IN COLLECTIONS.

Appears my car was never grounded nor reported to Audi financial as returned at end of lease. It's has been over a year since XXXX Audi has my car and still has not been returned at end of lease. Called this dealership over 20 times just to be ignored. Yesterday, tried a different approach. Called their service department and asked if my car is ready to be picked up, and was advised they have my key and once locate care will call me. This is one year since car was returned and they have still not reported to Audi financial lease was returned. This experience has literally been the single worse commercial transaction of my life. I paid XXXX on the 3 year lease, retuned car and my credit was destroyed as a result of the experience. Worst part! 
Since advised XXXX Audi of the situation, they have completely ignored and lied about the situation with no remorse for their damaging unprofessional actions. 
Disgusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CA

Complaint narrative:
told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am a One Main Financial customer and I am a victim of their deceptive sale practices. These option products are on my current loan as well as the previous loan in which I paid off. I was told each time that I would not be able to receive the loan unless I add the options products.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the credit account XXXX XXXXXXXX , there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/23, I asked for certification of this account belonging to me from the 3 credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my Transunion and XXXX accounts for this violation.

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 2024-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
This company shall provide proof I received the a 5 day notice of this alleged debt before it was placed on my Credit report.

Delete this account if you cant prove I got the notification which I never did. The FCRA says I have the right to dispute any alleged debt by responding to a 5-day notice prior to it being placed on a consumer 's report.

AGAIN DELETE This ACCOUNT OR IM BE MORE THEN HAPPY TO SUE YOUR COMPANY, in court proof is required, I'll ask how can you prove I received the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Erase all debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: NC

Complaint narrative:
Despite numerous written requests, the unverified accounts listed below persist on my credit report, contravening federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe, and continues to report unconfirmed information. Given all my efforts to rectify this matter directly with the creditor, this now amounts to willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-24 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: GA

Complaint narrative:
Attached is a copy of my identity theft report. XXXX XXXX  was opened fraudulently without my consent the creditor agreed to remove this fraudulent account. It is against consumer law for Experian to report a fraudulent account. 

Fraudulent Account on Experian XXXX XXXX  {$1100.00} Account # 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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX XXXX ( ends in XXXX ). In XXXX XXXX, I paid off all purchases, and decided to cancel the card because of the high annual fee ( {$95.00} ). When I spoke with a XXXX rep ( early XXXX ), I was assured that the fee would be credited. It was not. I called again in early XXXX, and was again told that the fee would be credited, including the late fee XXXX charged ( for an item that should have been credited ). Apparently, that did not work either, because on XX/XX/XXXX, I got messages that my credit score changed ( it is typically between XXXX and XXXX ). 
I called XXXX on the same day ; spoke with a supervisor ; and had my concerns validated. XXXX had not only no credited the fee ( which is forward-looking ) as promised, but then sent derogatory reports to credit agencies regarding the non-payment ( for a card that had been cancelled ). When I spoke with the supervisor, she said that the fee would be credited, but the reports would not be withdrawn. 
This is not only going against the promises XXXX reps made, but is an entirely illogical outcome. 
Please, request that the XXXX customer service dept. credit the fees, as promised, and retract any and all derogatory reports the bank may have sent to the credit bureaus. Thank 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 non-monetary relief
Consumer complaint received 2024-03-24 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: CA

Complaint narrative:
For the credit account XXXX XXXX  , there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/23, I asked for certification of this account belonging to me from the 3 credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my XXXX and Experian accounts for this violation.

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