vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to r

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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681.

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Manufactures & Traders Trust Company absorbed XXXX XXXX XXXX XXXX  which was my bank for 20 years. I receive many messages that the changeover to M & T Bank would be a smooth an easy transition. When the change actually occurred, I was locked out of my account. I tried calling the bank many times and the wait was over XXXX hours on the phone. I went to a local branch, where an employee tried to help me by sending me a temporary password, so that I could try signing in. What I finally found out after several visits to the bank is that M & T did not probably prepare for customers to have a special character in the online usernames, even though XXXX XXXX  required that. I was told that it take several days to a week for them to resolve this issue. What eventually occurred is that I was locked out of my account from XX/XX/XXXX to XX/XX/XXXX. What I finally learned after another phone call is that M & T Bank changed my username without telling or notifying me. If I knew this, I could have had access to my account. I feel that the way that they handled this merger and change over from XXXX XXXX  was extremely unprofessional and lacked the service and care that was needed at this crucial time. How a large bank can take over another bank and not know that many customers would have special characters in their usernames is extremely shocking to me.

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 2022-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Mercari, Inc.
State: FL

Complaint narrative:
Mercari wont let me open an account, according to their system there is one with my information. I have never opened an account with any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.

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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been dealing with a discrepancy on my Equifax credit report since XXXX. My birthdate is wrong on only my Equifax report and I have disputed it a dozen times. Every time I speak to them I get a different story about what needs to be done and why it hasn't been resolved. Multiple times the dispute has come back as " verified as reported '' and Equifax is refusing to give the information on who is reporting the wrong information. This should be a simple fix and has been nothing but simple. 

Here are dispute dates along with case numbers just from the past XXXX years. 

XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # unknown Disputed via phone employee said he could do it right there and then since it had not been changed after prior disputes. After seeing supporting documents, he fixed it and I verified it by logging in. Upon logging in two weeks later it was back to being wrong again. 

XXXX dispute not initiated called again and employee refused to give company that is supplying the wrong birthdate, I ended up asking for supervisor and was put on hold and came back multiple times to ask if I was sure i wanted to speak to a supervisor and each time advised yes and then after XXXX min of being on hold the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My old loan servicer was XXXX, they transferred my loans to Nelnet on XX/XX/XXXX. 

Before the loans were transferred to Nelnet, I was on the REPAYE payment plan, my income was below a certain threshold, and my monthly payments were set a {$0.00}. 

Through XXXX, I opted out of the covid XXXX pandemic payment pause/forbearance program when the federal government announced the program in XXXX. The first attachment is a bill from XXXX to prove that I was being billed monthly, and opted out of the pandemic payment pause. I opted out because my payments were $ XXXX and I am working towards loan forgiveness after a certain number of satisfactory payments have been recorded. I wanted to opt out the pandemic payment pause so that my payments would continue to accrue towards my loan forgiveness. 

On XX/XX/XXXX, Nelnet took over as my loan servicer. They REMOVED my opt out request previously made with XXXX, and they also REMOVED the satisfactory monthly payments made to XXXX during the pandemic payment pause that I had opted out of. I believe this is illegal. They certainly don't have the right to remove payments that made progress towards my loans ' forgiveness, regardless of the monthly payment amount. 

I contacted Nelnet over 3 times in writing asking them to amend and fix this matter. They have refused to complete my request. They did, however, finally, after the third complaint email, put my loans back into the opt out ( of the pandemic payment pause ) status, and my payments have resumed at $ XXXX. 

I have asked Nelnet to amend my account to reflect that I made satifactory payments THROUGHOUT the entire pandemic payment pause, including the satisfatory payments made to FSL that Nelnet removed when they took over as my loan servicer. They have refused my request at least 3 times, and refuse to directly answer my questions regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
Car loan on my credit. The car was repo 'd and sold for over $ XXXX with over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
Amount {$1300.00} To Whom : XXXX XXXX Collections agency : Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This debt is not mine. I contacted Sunrise Credit when I noticed my score was suddenly severely reduced and we established the email associated with the debt is not mine. 

They have simply ASSIGNED the debt to me. 

This resultant action has reduced my credit score from XXXX to XXXX currently, from this one and only negative entry.

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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on these accounts I listed in my letter. I also attached the letter I sent out. 

According to the FCRA term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts is still not reporting 100 % accurate. according to the FCRA 15 USC 1681, everyhting has to be 100 % accurate. It is not fair that these credit bureaus can keep inaccurate information on your credit report and not be held accountable.

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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXXXXXX

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 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I have XXXX home internet .... one modem one line one bill ... XXXX has submitted another account in my name to a collection agency and to a lawfirm trying desperately to get me to pay {$350.00} on a account that doesn't belong to me. They also have the absolute worst customer service department on the face of the planet. They have refused to resolve this issue. When I first got the home internet I had to send one modem back because they sent me one and I got one from the XXXX store. I spent one hour on the phone with XXXX customer service in the ups store trying to get a return label for the extra modem. They couldn't get into my account because the pin on the account wasn't set up .... and they couldn't set it up. So I drove over to the XXXX XXXX and asked them to send it back. They said they usually don't do that but since I had an issue with customer service they gladly sent it back for me. Then a few months later I had problems with my modem. I diagnosed the problem myself to be a faulty power cord. I spent over an hour trying to explain that to XXXX customer service and they said they would send me another cord. That was the most successful call this whole time I've had XXXX ... .. so I thought. When the box came in and I opened it, it was a XXXX phone battery. I had to contact customer service yet again and to resolve the issue they just sent me a new updated modem and had me send back the old modem and XXXX battery. Then I received a letter saying I owed money on a bill when all my bills were paid. I noticed the letter had a different account number but had my name. I went to the tmobile store so they could assist me in figuring out what has happened. They found that there were 5 different accounts in my name and were unaware of how this could happen. We spent a good amount of time on the phone with customer service, again. The customer service rep stated she was gon na delete all accounts except my actual account and credit my account $ XXXX thought everything was fixed and internet was great and bills were paid and everyone was happy. Then, I received a letter in the mail from a collections agency stating that the account that I thought was deleted was turned into them and I needed to pay {$350.00}. I disputed the claim and XXXX said their information was correct. Then I received a phone call and a letter from a law office attempting to collect the dept.To this day. The issue is still not resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This company is impossible to deal with. 
I have tried to reach out and unable to receive assistance in resolving my issues. 
Secondly they send me a paid in full letter and report that my account is past due when its paid in full. This company has poor standards and reguard for their consumers. 
I will not use them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I hope you are having a good day! This is XXXX XXXX submitting this CFPB complaint to the Credit Reporting Agencies today to inform the Credit Bureaus that I was the victim of identity theft. I made a research on how to remove the fraudulent information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation