vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
In XX/XX/XXXX, I became the victim of a fire while I was XXXX XXXX months XXXX. This fire resulted in the total loss of my home, which I shared with my husband and XXXX children. Shortly afterward, the pandemic hit in XXXX. 

In XXXX, I hired a contractor to help with repairs, but he quit and ran off with {$80000.00} two months later. Having just returned from the hospital after a XXXX XXXX and dealing with the loss of my XXXX XXXX, I was lost and desperate for help. 

I began searching online for loans and came across OneMain Financial. I applied for a personal loan and was initially approved for {$20000.00}. However, when I arrived at the office to sign the loan documents, I was informed that the online information was incorrect, and the only way to secure a loan was to put my vehicle up as collateral. 

I then put my XXXX XXXX XXXX up for a title loan and received {$25000.00} as a loan in XXXX. Since that time, I have paid OneMain roughly {$43000.00} in monthly payments. The interest on this loan is so high that when I make my payment of {$840.00} a month, only {$54.00} goes toward the principal amount. The remaining {$790.00} goes to interest. At the time of signing, I was not aware that this was the arrangement I was entering into. 

I have requested renegotiations multiple times to lower my payments and interest rates but have been denied each time. When I asked for the payoff amount, I was told that I still owe {$17000.00}, which would ultimately mean I pay them over XXXX XXXXmore than double the original loan amount. I am seeking help regarding this situation, as I can not afford to make any further payments.
Additionally, my vehicle was involved in an accident and is now damaged, making it worth significantly less than what they are charging me. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
I spoke with XXXX your representative and notified her that I was in the state on XXXX  entering the year XXXX. I was not aware I needed to be released from any lease now I am wondering if the parking permit that I turned in was not removed either. The XXXX tenants stated they would submit information which they clearly failed to do. XXXX suggested I get a Notarized document stating that I was in the state of XXXX  beginning XXXX  ( which I am able to do if needed ) in order to be released from debt. I did some research that stated that as long as I had both parties sign a formal document agreeing that they would 100 % take responsibility of debt that I would be removed from collections thus why I submitted formal document. I am also aware that I can not go back in time and remove myself from lease now so what would be the next step you suggest I do? XXXX  years passed and the XXXX XXXX was not in contact with me regarding outstanding bill why not? That doesn't sit right with me. I appreciate you taking the time to help me with resolving such matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$580.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$640.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX 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 2025-02-27 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:
Im reaching out to ask for help with an identity theft issue Ive been trying to resolve. An account with XXXX XXXX ( account number : XXXX XXXX XXXX ) was opened in my name on XX/XX/year>, but I never authorized any transactions on this account, nor do I even know what was bought. 

Despite my attempts to get this resolved with XXXX ( XXXX XXXX XXXX  ) and Experian, I continue to be told that the account is verified as mine. Ive even provided evidence to a debt collection agency that is harassing me about this debt, but I am still being pursued for something that is not my responsibility. 

I am asking for your help in getting this account closed and removed from my credit report. Ive tried everything on my own, and Im getting nowhere. The stress of this situation, especially with the collection harassment, is overwhelming, and I just want this issue resolved. 

Thank you for your time and assistance. I would greatly appreciate your help in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have found fraudulent hard inquiry on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
On XXXX XXXX attempted to make a purchase and discovered numerous unauthorized charges from XXXX XXXX XXXX  which am not an account holder yet payments were taken out of account beginning XX/XX/XXXX ; notified XXXX attempted to get new card issued but was told I needed to sent a copy of utility bill with new address which I sent via email provided ; called backed and was told they needed bank statements, and XXXX copy of my social security card ( red flag ) because a need a refund to pay bill I am thinking of sending a redacted version and wait for a response. My impression of the company is more like customer service representatives are acting as if they are a identity paper mill. The card has no risk for the company it is a prepaid debt card that I have had since XXXX. 
Sent XXXX a complaint however goggle could not find an active account in play store. 
Sent XXXX XXXX complaint no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2025-02-27 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Im reaching out to ask for help with an identity theft issue Ive been trying to resolve. An account with XXXX XXXX ( account number : XXXX XXXXXXXX XXXX ) was opened in my name on XX/XX/year>, but I never authorized any transactions on this account, nor do I even know what was bought. 

Despite my attempts to get this resolved with CBNA ( Best Buys creditor ) and XXXX, I continue to be told that the account is verified as mine. Ive even provided evidence to a debt collection agency that is harassing me about this debt, but I am still being pursued for something that is not my responsibility. 

I am asking for your help in getting this account closed and removed from my credit report. Ive tried everything on my own, and Im getting nowhere. The stress of this situation, especially with the collection harassment, is overwhelming, and I just want this issue resolved. 

Thank you for your time and assistance. I would greatly appreciate your help in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: SC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 XXXX XXXX XXXX XXXXXX/XX/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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash App closed my account due to illegal gambling transactions when I reached out to Cash App about this they said they could not send me the transactions that I requested that were flagged gambling because I used my Cash App to send funds to my son and a friend of mine that is a long haul truck driver and they also did this to his account as well. I was not informed of any transactions being suspicious until they closed my account due to these gambling transactions but they would not produce these to me when requested. 
I have dealt with Cash App for over five days on this issue and all they can is we investigated and determine that this was the truth and however, you might not agree with our decisions we stand by it.

I have emails between myself and a corporate manager if you shall need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
I am XXXX XXXX a victim of identity theft DOB is XX/XX/1989 last XXXX of XXXX is XXXX I have mailed a identity theft dispute for fraudulent personal information and inquiries to be removed from my credit report and file according to XXXX XXXX XXXX within XXXX  days, the companies have not provided this information i have requested and have neglected my disputes as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
I am XXXX XXXX a victim of identity theft DOB is XX/XX/1989 last XXXX of XXXX is XXXX I have mailed a identity theft dispute for fraudulent personal information and inquiries to be removed from my credit report and file according to XXXX XXXX XXXX within XXXX  days, the companies have not provided this information i have requested and have neglected my disputes as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicing Solutions, LLC
State: MA

Complaint narrative:
Service soluntion company get the account from XXXX XXXX  they contact me via email and my secretary give them my number they never call me but payments was being make to the account the last payment was on XX/XX/XXXX from the amount of XXXX and the second payment was due on XXXX the account is not late for 45 days like they claim they also send me a statement and the statement claim I owe XXXX but when I call then they say XXXX claiming that I have late payments with XXXX I make a payment on XXXX, XXXX and XXXX XXXX I didnt make a payment I put the account current on XXXX but they just put me a 30 Days late payment wich is incorrect also trying to collect a amount of money that I dont owe then I make a agreement with XXXX not service solution but I still making payments they are reporting wrong info on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: ADP Inc.
State: NJ

Complaint narrative:
on XX/XX/year> i went to an atm locate in a XXXX, i had XXXX on my card i made 6 separate withdraws and left XXXX when i checked on my wisely app i saw XXXX withdrew were deducted from my account of XXXX each instead of the 6 times that i made. i called them to dispute they never reply or call or return the money they put account at XXXX they owe me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally dispute the late payment reported on my XXXX as reflected in my credit report. Based on my records, this late payment was caused by a system issue on Capital Ones end, which you acknowledged in an email sent to me on XX/XX/year>. This email confirms that a technical issue with a third-party service provider delayed the processing of electronic payments and transfers, which directly impacted customers ability to complete their payments on time. Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 7 ) of the FCRA, Capital One was required to provide me with a written notice within 30 days of reporting the late payment to the credit bureaus. This notification must include : The name of the consumer reporting agency to which the negative information was reported, A statement of my rights to dispute the accuracy of the reported information, and Contact information for resolving disputes.

I never received this legally required notice from Capital One, which means you failed to follow federal protocol when furnishing this negative information to the credit bureaus. This violation further supports my demand for the immediate removal of the inaccurate late payment entry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Student loans are doubled on credit report - My student loans are with Nelnet and today I noticed that my student loans were listed as default twice on my credit report. Significantly adversely affecting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX My name is XXXX XXXX. I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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