vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 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:
n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 US.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX Account Open Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
i have received my disclosure from XXXX and pacer, experian said it comes back verified as accurate when the issue is XXXX doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ XXXX XXXX and they all said they cant verify the information as none of them share with XXXX parties so experian lied.

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 2023-11-25 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:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX, account ending in XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Dont respond with validated because I'm not asking for anything to be validated or verified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 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: AL

Complaint narrative:
To Whom It May Concern : I recently sent your organization a letter requesting the investigation and removal of inaccurate information from my credit report. I received your response and the accounts below are still reporting on my credit file. 
Furthermore, in accordance with the FCRA, I am requesting proof that the information was verified. 
XXXX XXXX XXXX I believe that the dates and late payments are reporting inaccurately. Here is the case # XXXXXXXX XXXX XXXX XXXX  I believe that that the dates and the amount owed is reporting inaccurately. Here is the case # 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 2023-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
AMSHER COLLECTIONS IS ATTEMPTING TO COLLECT A DEBT NOT OWED TO THEM AND HAS FRAUDULENTLY REPORTED THIS TO MY CREDIT REPORT. THIS REPORTING HAS NOT ONLY NEGATIVELY IMPACTED MY CREDIT RATING BUT ALSO IS A GROSS VIOLATION OF MY RIGHT TO PRIVACY. I DID NOT GIVE ANY CONSENT FOR THIS COMPANY TO ACCESS OR DISTRIBUTE MY PERSONAL INFORMATION. 15USC 1681 ( a ) ( 4 ) You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. 

NO WRITTEN INSTRUCTION WAS GIVEN TO REPORT THIS ALLEDGED ACCOUNT ON MY CONSUMER REPORT. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I have not done or agreed to do any business with AMSHER nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. This is another direct violation of my rights 15 USC 1681. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FDCPA 813 [ 15 USC 1692k ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent a dispute package to the credit bureau where the account is listed and XXXX has refused to remove the account from my report. I sent multiple pieces of evidence in support that the account was not created by me and XXXX refuses to take action. Additionally, I have called the XXXX " customer support '' team multiple times and they are incredibly unhelpful. I would not consider them " support '' as they have not supported me whatsoever.

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 2023-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
Hello, I am a young professional beginning to process of repaying federal student loans after the repayment pause from the era of the COVID19 pandemic. I applied for the XXXX repayment plan on XX/XX/2023 through the service provider XXXX and was approved. I then began applying for XXXX XXXX XXXX XXXX ( PSLF ) on XX/XX/2023 and was transferred to the service provider MOHELA. My PSLF payments were approved. 

Currently, my loans are under a mystery repayment plan called " SAVE-Alternative '' that does not reflect the payment amount promised in my approved application from XXXX or XXXX my account with the federal government. All attempts to contact MOHELA via phone and portal messaging to gain more information about this payment plan have failed thus far. Additionally, my new application ( submitted XX/XX/2023 ) to correct my repayment plan to SAVE have been met with significant and unreasonable delays of up to 90 days, and my loans are still showing as being due on XX/XX/2023 despite the fact that they should be in forbearance while my application is being processed. 

Please help me come to a reasonable resolution with an unreasonable institution called MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: AL

Complaint narrative:
To Whom It May Concern : I recently sent your organization a letter requesting the investigation and removal of inaccurate information from my credit report. I received your response and the accounts below are still reporting on my credit file. 
Furthermore, in accordance with the FCRA, I am requesting proof that the information was verified. 
XXXX XXXX XXXX I believe that the dates and late payments are reporting inaccurately. Here is the case # XXXXXXXX XXXX XXXX XXXXXXXX I believe that that the dates and the amount owed is reporting inaccurately. Here is the case # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
I recently received a copy of my consumer reports. I was shocked to learn that I have been a victim of identity theft. I was found numerous accounts on my consumer reports that were not opened by me. This has been hurting me as I am in the process of buying a new vehicle for my Family.

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 2023-11-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am highly upset the credit bureaus have responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. I am authorizing this investigation this is not a third party company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TX

Complaint narrative:
first off let me inform you that throughout this whole process ive been in the hospital having XXXX XXXX XXXX and im unable to get out of bed and have no access to the info required. i gave my debit card to my brother inlaw and asked him to go get me something to eat he came back and told me that the card had insufficiant funds so i called the automated number to check the balance and all it let me inter is the last 4 on my card and it sent me straight to customer service when they asked me to verify the card info they told me i had the wrong phone number the wrong address the wrong pin number and the wrong email address and in order to fix it i would have to go in person with my id to the social security office after a few days i was able to talk my sister into going there in my behalf and she got them to talk to me on the phone and they changed the info back on my card and in the mean time i had ia direct deposit added to my account and i had already called the bank to dispute the original transaction of {$250.00} on my card the very next morning i tried to use the card to pay my copay at the hospital and the card was declined i called the bank and my credentials had been changed agin and {$1600.00} had been removed from my account so i had to dispute all charges made and none were made by me the bank says they sent me a letter requesting more info that i never recieved some of the money was put back into my account i had allready got a new card today i got a letter saying that a claim for {$650.00} was denied and they had closed the dispute i have to have that money and they dont want to give it to me i still have 6 unpaid disputes that have not been paid back to me only 3 disputes were paid out of 9

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 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: GA

Complaint narrative:
Sworn Statement Affidavit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Method of Verification To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. 
On XX/XX/XXXX your agency sent a letter stating that you had completed your investigation and that the items were not deleted, as was originally requested. This is an issue that concerns me, as I do not understand how you arrived at this conclusion since this information is incorrect. 
This letter is a formal request under FCRA 611 ( a ) ( 7 ) for a detailed description of the procedure that was used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/XXXX To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with the information used in your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please respond within 15 days or delete each of the items, as originally requested. 
I am listing all of the items below that you continue to list erroneously. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX  and account # XXXX  also with XXXX XXXX XXXX, 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 an account without my written instructions. 

again XXXX XXXX XXXX Account # XXXX  And 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 explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CO

Complaint narrative:
Recent dispute with Discover to removed charges that do not belong to account holder. Please remove all fraudlent charges Discover Card account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: MI

Complaint narrative:
Over the past month I have filed several CFPB complaints for an XXXX XXXX account in my Equifax credit file. That account ends XXXX. I provide twenty ( 20 ) to over one-hundred ( 100 ) pages of documentation with each complaint. On the very first page of each dispute I provide the information needed to identify the appropriate account/tradeline to dispute. In many cases it is the page from a recent credit report for the account/tradeline. Moreover, I provide the account number " ending in '' and/or the full account number with corresponding instructions in the desired resolution section for each complaint. Equifax does not examine the accompanying documentation, not even to obtain the information necessary to identify the appropriate account on the credit report. Equifax does not appear to even read the resolution section before filing a dispute. Instead Equifax blindly disputes any and all accounts reported by the same firm, independent of the account/tradeline. For example, with each CFPB complaint filing for XXXX XXXX, Equifax disputes XXXX and XXXX. There is now years of payment history for account ending XXXX that is missig. Essentially, Equifax " XXXX XXXX XXXX  at the wall to see what sticks. '' It shows Equifax has XXXX ( XXXX ) interest in actually conducting ( re ) investigations and often times will have their employees haphazardly process disputes and/or CFPB complaints. As consequence, I have observed XXXX, and another XXXX XXXX, scheduled to report until mid XXXX disappear intermittently from my Equifax credit files, or have years of payment history wiped, causing fluctuations in credit scores. When Equifax then seeks an update for the account I did not dispute, the fraction of relacement payment history returned by XXXX for the XXXX account trade is less. In contrast, it appears Equifax makes every effort to persist the false/misleading/inaccurate ( AND ) defamatory information for account XXXX. There is nothing reasonable about Equifax operating in this capacity and it can cause significant errors it credit files and/or swings in credit scores. That is, Equifax thier XXXX practices are likely to cause harm to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I took a cab from XXXX XXXX XXXX XXXX to the XXXX XXXX. I was quoted {$75.00} USD and charged an amount reflecting this amount via a card reader. I was not provided a receipt even though the merchant said it would be sent to me. When I looked on my credit card statement I had a charge of {$1700.00} from a merchant titled XXXX XXXX XXXX XXXX XXXX. 

I have been unable to locate or contact this merchant but disputed it immediately. Citibank denied my dispute. I called and asked them to provide documentation supporting their denial as well as a receipt for the purchase or any communication from the merchant. They refused all of the above. I never agreed to pay this amount. I do not recognize this merchant and there is no contact information available.

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 2023-11-26 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I have sent a dispute package to the credit bureau where the account is listed and Affirm has refused to remove the account from my report. I sent multiple pieces of evidence in support that the account was not created by me and Affirm refuses to take action. Additionally, I have called the Affirm " customer support '' team multiple times and they are incredibly unhelpful. I would not consider them " support '' as they have not supported me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MN

Complaint narrative:
I was sent a collections letter for a debt that isn't mine. I contacted XXXX directly, but they didn't have any accounts associated with me. I sent ACI a letter ( ACI response letter ) informing them this is not by debt. They returned a letter with purchases I did not make and an email account that is not mine. I contacted XXXX collections again with the information and informed them this is not my account and I have reported the identity theft. ACI has again sent another collections letter trying to collect an increased amount.

Company response to consumer: Closed with explanation