vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: NJ

Complaint narrative:
On XX/XX/22, I Wrote to you ( Transunion ) requesting a re-investigation and deletion of ACCOUNTS ( listed below, with account number ). Due to there being inaccurate information on them, and because you ( TRANSUNION ) are violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S. Code 1681b ( a ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

I HAVE NOT GIVEN YOU WRITTEN INSTRUCTION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT.

15 U.S. Code 1681c ( a ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 15 U.S. Code 1681c ( a ) ( 5 ) : Any other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( ADVERSE : preventing success or development ; harmful ; unfavorable ) I AM NOT ABLE TO DEVELOP OR PROSPER MY FINANCIAL STATUS DUE TO THESE ILLEGALY FURNISHED ACCOUNTS ON MY CREDIT REPORT. 

1. Acc : XXXX Acc # XXXX 2. Acc : XXXX XXXX Acc # XXXX 3. Acc XXXX XXXX XXXX XXXXXXXX Acc # XXXX REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY I Dont understand why Transunion blatantly continues to violate my rights. Especially with something so serious as my reputation.

Transunion says they completed investigations on these accounts and VERIFIED them as ACCURATE.

I am in disagreement with the investigations of the items listed above. I am 100 % certain that there were and still are ( after their INVESTIGATION ) inaccuracies in these accounts. These accounts had inaccurate information on them and Transunion UPDATED THE INFORMATION Instead of deleting them like I requested. I was never provided the proof of the alleged items ( Specifically the contract or any other instrument bearing my signature ). Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
I HAVE NOT HEARD FROM TRANSUNION REGARDING THIS MATTER. 
Together with the complaint letter I sent by mail to Transunion ( which is attached to this complaint ) I attached copy of my ID, Birth Certificate, Social Security Card and Bank Statement to Verify my identity.

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 2022-06-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, Credit reporting agency showing incorrect delinquency on my mortgage account with fifth third bank. 
My payments have been deferred forbearance till XX/XX/XXXX due to covid. Fifth third bank and I agreed mid XXXX that we accepted fifth third bank offer which is to open a balloon payment. 
Then fifth third bank deferred payments till XX/XX/XXXX. 

I reinstated auto pay account with fifth third bank on XX/XX/XXXX and continued to pay regular monthly payments from XX/XX/XXXX as agreed. 

I have all supporting letters from fifth third bank which I submitted to XXXX and they are not removing incorrect information. They reported that I was delinquent 180 days in XX/XX/XXXX. 

Supporting doc. 

Leter from fifth third bank that my payments have been deferred to XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-06-28 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: CA

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. 

account name : XXXX  account number : XXXX account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number:XXXX account name : XXXX  account number : XXXX account name : XXXX account number : XXXX account name : XXXX  account number : XXXX account name : XXXX  account number : XXXX account name : XXXX XXXX  XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX account number : XXXX 15 u.s code 1681 section 602.a. states i have the right to privacy 15 u.s code 1681 section 604 section 2. also states a consumer reporting agency can not furnish a account without my written instructions ( in which i have given no instructions to do so ) 15 u.s code 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s code 1681 s-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 ( which i have printed my credit report and found many inaccurate items, which violates my rights over and over throughout the report. ) i sent out an investigation letter to all 3 credit bureaus XX/XX/2022 as of XX/XX/2022 i have not received results from experian nor did none of the bureau send me a letter within 5 days stating they started the investigation i also specifically asked withing the letter to be notified of whom access to my credit report which has failed to be provided

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 2022-06-28 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: CA

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. 

account name : XXXX account number : XXXX account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account numberXXXX account name : XXXX  account number : XXXX account name : XXXX  account number : XXXX account name : XXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXXXXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX  account number : XXXX 15 u.s code 1681 section 602.a. states i have the right to privacy 15 u.s code 1681 section 604 section 2. also states a consumer reporting agency can not furnish a account without my written instructions ( in which i have given no instructions to do so ) 15 u.s code 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 
15 u.s code 1681 s-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 ( which i have printed my credit report and found many inaccurate items, which violates my rights over and over throughout the report. ) i sent out an investigation letter to all 3 credit bureaus XX/XX/2022 as of XX/XX/2022 i have not received results from experian nor did none of the bureau send me a letter within 5 days stating they started the investigation i also specifically asked withing the letter to be notified of whom access to my credit report which has failed to be provided

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 2022-06-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Equifax, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has violated by rights by not having complete and accurate information for : XXXX XXXX XXXX account number ending XXXX. The 'Date of Last Activity ' is INCOMPLETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NY

Complaint narrative:
Problem having with Experian, XXXX and XXXX they are reporting these Two Fraudulent accounts on my credit report listed below : XXXX  XXXX XXXX Account : XXXX and XXXX XXXX XXXX XXXX  Account : XXXX Also Name Reporting on my credit report is also wrong My legal Name is XXXX XXXX I do not want any other names reporting on my 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 explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have continuously tried to pay my bill online and by phone. The website statement that pops up is We're sorry. A technical glitch occurred and your request could not be completed. Please try again. 
When you call there is a recording and then hangs up - there is no options to even speak to an operator.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX I contacted Sallie Mae. I was out of the country and am at a new job where I was having payroll issues. I contacted them asking for advice. I was informed that there was no help online and that I needed to contact repayment center by phone. I didnt do this as I was able to sort my payroll out before being charged any fees. A couple of days later I was informed that my forbearance was rejected. I never applied for one and do not feel comfortable being applied for forbearance without my consent as this could damage my record when it comes to releasing my co-signers. I asked for them to rectify the situation and send me a letter taking back my forbearance request. My co-signers were very angry as they thought I applied without their consent. I was supposed to receive a letter. I asked when I would know the status and the agent then informed me it would be sent no matter what. After 2 weeks I contacted them to be informed my letter was rejected, the customer service rep was very unhelpful and kept telling me that since I wasnt on forbearance it didnt matter. I asked her to escalate the situation and instead she just kept saying that I didnt contact them to get forbearance. Overall it seems like the company does not care about any of their shady practices because they are just too big to fail. I want a letter of apology to be sent out and any mention of me applying for forbearance to be erased from XX/XX/XXXX because it is a lie.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
After previous identity theft in XXXX, put a credit freeze in place with all three credit reporting bureaus. On XX/XX/XXXX I found out that XXXX Bank had pulled a credit report on my through Experian. I was surprised by this, as I had not requested credit, and I had not lifted my credit freeze. 

I attempted to log in to my Experian account to verify the status of my credit freeze, and found that I could not login, and that the account was now associated with an email I did not recognize and had never used. I inferred that my credit at Experian was no longer frozen, and that someone had hacked in to my Experian profile to unfreeze it and then apply for credit. 

Experian has been of no help to me in resolving this issue. It is impossible to reach a live person on the phone. All options on their voice mail menu lead in circles, and a recorded message even says that " I'm only able to transfer people in limited circumstances '' if you ask for an operator or representative. 

Although I was able to stop the unauthorized accounts at XXXX from being opened by contacting XXXX, I believe that my credit information is not secure with Experian, and that this can and will happen again. I also believe that Experian does not have enough safeguards in place to prevent an unauthorized person from taking over/hacking an Experian profile. A quick search online shows that exactly this has started happening to many people -- they find their Experian accounts have been taken over and are now associated with someone else 's email, and that person now can remove credit freezes and fraud alerts. 

Experian needs to fix this problem quickly, and they need to answer their phones instead of referring people to prerecorded messages and their website.

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 2022-06-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: MT

Complaint narrative:
I leased a new BMW from BMW of XXXX. My lease was assigned to BMW Financial Services. My lease allows me to pay off my car early. I exercised this right. BMW Financial Services is now refusing the payoff of my lease because it has placed a litigation hold on my account. This violates the terms of my lease. I attempted to contact BMW Financial Services to discuss this problem. They would not speak to me and referred me to BMW of XXXX XXXX. I filed a previous complaint about this issue. BMW Financial Services responded to that complaint by saying they could not talk to me about the car. I have never contacted BMW Financial Services about my car or its mechanics or warranty. I had attempted to contact BMW Financial Services about the payoff on my lease, to which BMW of XXXX XXXX is not a party. So, maybe, instead of BMW Financial Services lying and misrepresenting this problem to cover up the unlawful violation of my rights under my lease, they could FIX this problem and let me pay of the lease. Then I will go away. 

Until then, I will file this complaint every single day until they fix it or the government takes some action. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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 wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION 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

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