vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 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 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XX/XX/XXXX, I paid XXXX {$3300.00} plus fees to send {$3300.00} to my relatives who are XXXX XXXX  living in XXXX, to be paid out to my nephew, XXXX XXXX. When he arrived at his usual bank in XXXX XXXX XXXXXXXX to receive the money on XX/XX/XXXX, he was told that it had been received on XX/XX/XXXX. I filed a complaint with Moneygram and they opened an investigation - Case XXXX. On XXXX, they concluded that the money had indeed been picked up by XXXX. I requested that they send me copies of the signed receipt, the identity document, and photo or video of the individual receiving the remittance. They only sent me a receipt, signed by " XXXX. '' I replied that XXXX speakers always sign by surname only, so it should have read " XXXX '' and been in the XXXX alphabet. At the very least, it should have read " XXXX. '' I also translated parts of the receipt and discovered that the money was disbursed in a suburb of XXXX on the XXXX side, over XXXX miles by plane. I pointed out that this cash infusion was urgently needed since they were out of money for food and needed most of the money to renew their residency and family medical insurance in advance of an impending deadline, so XXXX certainly did not have money to travel to and from XXXX in one day. XXXX also does not speak XXXX so he lacks the ability to travel independently. Moneygram has not replied since then, nor have they supplied the rest of the evidence that they must have assembled in order to reach a conclusion on this case. This leads me to suspect that a Moneygram agent hacked into their system and obtained the transaction information and used it to receive the money himself or herself. Otherwise, Moneygram would have sent me the evidence by now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 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: AZ

Complaint narrative:
Disputes have been sent multiple times to all three credit bureaus, requesting that the credit record be adjusted for the XXXX XXXX XXXX account XXXX, this account provides false information, instead of correcting it or deleting it, the credit agencies do not bother to conduct a full investigation.

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 2023-10-11 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: AZ

Complaint narrative:
Disputes have been sent multiple times to all three credit bureaus, requesting that the credit record be adjusted for the XXXX XXXX XXXX account XXXX, this account provides false information, instead of correcting it or deleting it, the credit agencies do not bother to conduct a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
On XX/XX/2023, I applied for an IDR/ICR payment plan, including authorization for IRS to include my tax returns. According to studentaid.gov, It was reviewed, processed, and completed by Nelnet on XXXX XXXX XXXX I received no updates or email communication regarding the application. I called them twice to find out that they required additional proof of income even though they received my tax returns directly from the IRS. I uploaded the requested documents on XX/XX/2023 that they should have requested weeks prior via email - again, they sent zero email communication regarding my IDR/ICR application. Nelnet claims that they send updates every 10 days via email as well as requests for supporting documents. However, as of today ( XX/XX/2023 ), I have received zero emails from them regarding my IDR/ICR application. I had to call Nelnet to find out that they need those documents. As of today, Nelnet has yet to update my payment plan, still showing the traditional payback amount for monthly payments on my loan dashboard, and has not created a payment schedule. Student loan payments are restarting this month, and Nelnet appears to be in complete chaos.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: FL

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-10-11 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: FL

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-10-11 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: UPGRADE, INC.
State: NJ

Complaint narrative:
IN ACCORDANCE WITH FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: FL

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted/correct from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/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 explanation
Consumer complaint received 2023-10-11 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: VA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 non-monetary relief
Consumer complaint received 2023-10-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
I signed up for XXXX in XX/XX/2022. I took my family one time. It was a dirty facility with very little staff. My daughter was unable to attend due to her XXXX, my son is XXXX  and was unable to use this facility safely without an aide due to his XXXX as well. My payments were set up on autopay. In XXXX XXXX contacted me and said that my account was delinquent. She sent me a membership agreement riddled with typos and then I sent XXXX XXXX an email stating my children had XXXX and could not go to the facility ; per their agreement. I also let her know I had a XXXX patient at home so coming up to the facility and signing documents would be difficult for me. I called and left her a message as well. I did not hear back from her for a month and at that time she stated I needed to pay the entire contract whether we were able to go to the facility or not. I asked her for clarification on why I couldn't just pay the past due and maybe try and bring my son. At that point she told me I needed to pay new fees that she had come up with like a re-enrollment fee and some other stuff. I mailed her a check for half of what she said was due and I again asked for clarification. I did not hear from her again. I clearly stated that we needed to cancel this membership for medical reasons and XXXX XXXX did not honor her own membership agreement, she treated me extremely unprofessionally and disregarded every request for clarification that I had. In XXXX when she sent me an account history she had the contract amounts wrong and said the amount sent to collections was wrong in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TN

Complaint narrative:
I have reached out about the reporting of my credit report on the inaccurate information reporting on multiple accounts for TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN DEPT OF HUMAN SVCS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: TN

Complaint narrative:
I have reached out about the reporting of my credit report on the inaccurate information reporting on multiple accounts for TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN DEPT OF HUMAN SVCS CS

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 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
The company claims that my account was closed and the company wrote off a {$20000.00} loss, the corresponding entry appears on my credit report, which is completely false information, I have been arguing with this company for two years, which refuses to change these false statements. They are false due to the fact that the car was sold at auction and the company received a payment from GAP insurance. In addition to this, I gave up the car voluntarily, if the company doesnt think so, then let them provide an invoice for ordering a tow truck, of course there was none. That is, my rights were violated due to the fact that it was not indicated that this was a voluntary repository.Also, the company sold the debt to a collection agency, with which I had an agreement to pay and delete both the collection record and the record of the original creditor. I paid the debt, I demand that this information be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: WA

Complaint narrative:
My payment schedule with Mosaic began on XX/XX/2023, with payments of {$640.00} withdrawn every month on the XXXX. From the first payment, Mosaic has claimed the payments were late even though they were on time and the company confirmed that the payments were not late. Despite that, I have been harassed by them every month between 8-10 days after the payment processed with claims of late payments. The latest incident involved a letter I received dated 2 days AFTER I called and they confirmed the payment was not late. It's now been three months and their excuse is " we escalated it ''. It's now been " escalated '' 8 times and still they claim every payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: NV

Complaint narrative:
My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. This unjust refusal has left me not only frustrated but also deeply distressed. The toll this ordeal has taken on my financial well-being and emotional stability can not be overstated. It is disheartening and exasperating to think that after following your guidelines to the letter, I am met with such resistance. Here is the account that needs to be removed from my credit file : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX. Please remove this account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
Good afternoon Ive reached out to each bureau directly to inform them of Mis information on my credit report. I have requested the original contracts fr the debt collector but they are refusing to follow the guidelines of the fcra accounts XXXX, XXXX, XXXX, XXXX these accounts are not mines and belong tho another consumer I have been affected by the XXXX XXXX breach, I have reached out several times and feel Im being ignored can you please help these inaccuracies are affecting my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TX

Complaint narrative:
I have several inquiries that was placed on my credit report from XXXX, equifax, & XXXX. I have contacted all 3 agencies to let them know that I did not apply for credit at any of these places. I have been ignored by one of them and the test explained that they did verify which Isa lie because I never authorized nor signed any statements giving permission to pull my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
These XXXX Accounts have violated my rights According to the FCRA. 
1. Conns Appliances Inc # XXXX 2. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Be advise this is a Notice sent pursuant to the Fair Credit Collection Practices Act ( FRCA ) [ 15 USC 1692g ] stating stating your claim is disputed and validation is requested.

This is not a request for " verification '' or proof of my mailing address, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you.

At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws.

1. DEFAMATION OF CHARACTER ( per se ) 2.Negligent ENABLEMENT OF IDENTITY.

3. Fair Debt Collections Practices Act 15 USC 1692g VIOLATIONS 4. Fair Credit Reporting Act 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 USC 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All incorrect items and discrepancies listed in letter attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
Rented a car for a week and was charged outrageous fees was told a total price of XXXX not including what I already paid or the XXXX deposit but instead was charged over XXXX dollars by XXXX XXXX XXXX 

This was charged to a secured card via forced charge and current which is the bank allowed it and authorized this charge I never authorized this. And will fight tooth and nail over this. I want my money back and compensation.

Company response to consumer: Closed with explanation