vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: AL

Complaint narrative:
Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked Experian, XXXX, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.

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 2022-03-18 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: Capio Partners, LLC
State: OH

Complaint narrative:
Company ( Assetcare ) keeps rebucketing the same account ( multiple times per month and it is negatively impacting my score. This is in direct violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: Sunbit, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$22.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX {$1000.00} balance Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX {$2500.00} limit {$2400.00} balance Opened XXXX XXXX Sunbit, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$2000.00} limit {$0.00} balance Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Balance {$220.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$0.00} balance Highest balance {$1600.00} Opened XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$0.00} balance Highest balance {$1600.00} Opened XX/XX/XXXX Closed And then a ton of Hard inquiries are also not from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, Transunion, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.

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 2022-03-18 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: AL

Complaint narrative:
Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, XXXX, and Equifax to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX have doubled the account numbers and showing late payments when I have stated they were never late. So I get late payments times 2 showing incorrect all around. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

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 2022-03-18 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: TX

Complaint narrative:
Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX have doubled the account numbers and showing late payments when I have stated they were never late. So I get late payments times 2 showing incorrect all around. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
I have disputed the inaccuracy of my XXXX XXXX account several times. I have explained in great detail that the late payments being reported are inaccurate. The credit agencies cited in this complaint have each stated the information was verified but have not responded to my numerous requests sent via certified mail for a method of verification as required under Section 611 ( a ) ( 7 ). Lastly, I provided copies to each bureau highlighting the discrepancies with the account in question and how each bureau is reporting conflicting information, and subsequently, both are inaccurate. I have also attached it to this complaint so it can be reviewed.

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 2022-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
in XX/XX/2021 called to make a late payment to honda cause of covid asked to be late was supposed to be ok -- paid XXXX dollars a month later to get caught up now they have gone back and added 30 day late payment after they said i would be ok it was recorded i am the co signer of this lease and i was never notified cause i would have paid this before any late charges very deceptive on hondas part

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

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 2022-03-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

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 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed the inaccuracy of my XXXX XXXX account several times. I have explained in great detail that the late payments being reported are inaccurate. The credit agencies cited in this complaint have each stated the information was verified but have not responded to my numerous requests sent via certified mail for a method of verification as required under Section 611 ( a ) ( 7 ). Lastly, I provided copies to each bureau highlighting the discrepancies with the account in question and how each bureau is reporting conflicting information, and subsequently, both are inaccurate. I have also attached it to this complaint so it can be reviewed.

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 2022-03-18 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: NY

Complaint narrative:
I have disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Recertified for lower payments based on income, new monthly amount owed went up to {$500.00} from {$390.00}. All federal loans are on pause until XX/XX/2022, they deemed it essential to shift payments to 10 days from submission - XX/XX/2022. That wont be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: LEXISNEXIS
State: NY

Complaint narrative:
I have disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
XXXX was removed which caused a XXXX point drop in credit score. And want XXXX added back. XXXX had a good reporting on my report. The online information is inaccurate to the actual physical report & am disputing things that are a positive on my credit. Experian refusing to address late payments on my account due to illness & when I try to call Experian I am given a difficult the to get through to dispute then when I do, am refused & sent a credit report, or given inaccurate information on my credit report. Not updating such as XX/XX/2021, Experian will not remove soft inquiries I did not authorize

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 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I am on an Income Driven Repayment ( IDR ) plan. I recently learned that due to the forbearance I was not required to recertify my income information to Fedloan. I received emails from Fedloan asking me to recertify my IDR, so I did, causing my payment to increase. I need this to be revoked as I can not afford the new calculated payment. Contacted fedloan on XX/XX/18 and was told that they couldn't revoke my last IDR certification but would put in a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to Experian regarding several inquires on my credit report. I notified the Bureau that several of these inquires I did NOT authorize! Instead of them removing them from my file they IGNORED my complaint. As a consumer I deserve a credit report that is 100 % accurate. On my credit report I have notified them about 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 In the dispute process the Bureau are supposed to verify items that are on my credit report. They have not. I have notified them that I didn't give these people my permission to access my credit report at anytime. However Experian still has not removed these items from my credit file.

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 2022-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fifth Third Bank is in possession of my loan ending in XXXX. I have not received calls on the delinquency ( the Bank stated they called on XX/XX/XXXX but no voicemail was left ) and have not received an email from this company since XX/XX/XXXX. I tried logging onto my online account to make a payment yesterday evening and this morning and couldn't log in. When I tried to call the bank this morning they were still closed and my account information wouldn't be accepted to make a payment. Shortly after trying to make a payment this morning my car was repossessed. I am only two payments past due ( 63 days ) and the last notification I received in the mail was XX/XX/XXXX, which did not state anything about the repossession of my vehicle if I didn't make a payment. When I called the bank for assistance this morning, letting them know I could make two payments today, and another next week, they refused to take the payment. They stated I must pay {$770.00} by certified funds in order to get the car back within 10 days. When I inquired about hardship assistance due to my partner being out of work due to XXXX, just having a child, and I was out of work due to an XXXX, they stated unfortunately I have to be current and made consistent payments for 90 days to even get assistance. This makes no sense and seems predatory when I am literally telling the bank we are experiencing a hardship. When I asked to speak with a manager this morning I was told they were having " computer '' problems and that I could leave a message. I would like this banks predatory and deceptive collection practices investigated. I would also like to point out that at no time was I informed on my billing statement or over the phone that Fifth Third is attempting to collect a debt ( aka they didn't provide the collection mini miranda ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: GA

Complaint narrative:
As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXXoriginal creditor XXXX XXXX XXXX which I disputed this account with the Bureau back in XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!

Company response to consumer: Closed with explanation