vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX  XXXX XXXX XXXX XXXX XXXX 4. ) Contract Callers # XXXX 5. ) XXXX XXXX # XXXX XXXX 6. ) XXXX XXXX XXXX # XXXX 7. ) XXXX XXXX XXXX  XXXX # XXXX 8. ) XXXX XXXX XXXX  # XXXX 9. ) XXXX  XXXX # XXXX 10. ) XXXX XXXX  # XXXX 11. ) XXXX XXXX XXXX XXXX # XXXX 12. ) XXXX XXXX XXXX # XXXX 13. ) XXXX XXXX # XXXX 14. ) XXXX XXXX XXXX # XXXX 15. ) XXXX XXXX XXXX # XXXX 16. ) XXXX XXXX. # XXXX17. ) XXXX XXXX XXXX # XXXX have violated my rights. 1

5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction.. Also, there is hard inquiries on my credit files that I did not authorize. I attempted to resolve this wi
th the Credit Reporting Agency and with each company that pulled my report to no avail. They have both refused to remove these inquiries that I did not authorize and it it negatively affecting my credit. The following are the companies that have illegally pulled hard credit reports on me. 
1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. ) XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX 3. ) XXXX XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 6. ) XXXX XXXX XXXX XX/XX/XXXX 7. ) XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. ) XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11. ) XXXX XXXX XX/XX/XXXX 12. ) XXXX XXXX XXXX XX/XX/XXXX 13. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 14. ) XXXX XXXX XXXX XX/XX/XXXX 15. ) XXXX XXXX XXXX  XX/XX/XXXX 16. ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 17. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 18. ) XXXX XXXX XX/XX/XXXX,. XXXX 19. ) XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
I sent my letter off XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts. Because I have noticed inaccuracies and can provide screenshots. I also never opened these accounts and some of them been opened on my credit report for over 2 years. I am a victim of identity theft. I have a FTC report I can also provide. Thank you. 
I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX. 

According to the FRCA The term " investigative consumer report '' means a cosnumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactersistics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reporter on or with others with wom he is acquainted 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 law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
Accounts : # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
I sent my letter off XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts. Because I have noticed inaccuracies and can provide screenshots. I also never opened these accounts and some of them been opened on my credit report for over 2 years. I am a victim of identity theft. I have a FTC report I can also provide. Thank you. 
I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX. 

According to the FRCA The term " investigative consumer report '' means a cosnumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactersistics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reporter on or with others with wom he is acquainted 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 law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
Accounts : # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK SELF

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 2022-05-29 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX and # XXXX ; XXXX  XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX? Account # 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 is also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-05-29 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX and # XXXX ; XXXX  XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX? Account # 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 is also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: Nelnet, Inc.
State: MI

Complaint narrative:
My student loan repayment was supposed to start in XX/XX/2022 after graduating according to the Nelnet representative Ive spoken to on the phone. However I learned the loans were added to my credit since XX/XX/2022 prematurely, which consequently dropped my credit score by XXXX points. I was in the process of consolidating my loans prior to the start of the repayments as we have limited income and need it be affordable. I was not expecting to start repayment until XXXX but Nelnet had reported me as 90/120 days late by XX/XX/2022 which is inaccurate. I disputed this issue immediately but they did not remove it, in fact they added another 30 days late to my credit report which dropped my score even more ( again I filed the dispute in XX/XX/XXXX, and they added another 30 day late UPDATE to credit file on XX/XX/2022 which is accelerated ). My husband and I are looking to buy a home since being displaced during Covid ( loss of income ) and this derogatory credit reporting of an inaccurate student loan repayment agreement has obliterated any chance of that happening. I have always planned to repay the loans after graduating but Nelnet has caused a huge issue unnecessarily and has halted any chance to thrive with this act of inconsistent reporting and in the midst of a pandemic. It seems that they have grouped me inaccurately since the dates that I have are different from the dates that they acted upon ( XX/XX/2022 was never discussed to be the start of my repayment plan, when in fact, I was on IBR plan which didnt expire until months after this, perhaps XX/XX/2022 ). I would like all derogatory credit reports from Nelnet to be removed as soon as possible, so that I may put an actual plan in place while still regaining a quality of life during a stressful financial time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX Account # XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX 4. ) XXXX XXXX # XXXX 5. ) XXXX XXXX # XXXX XXXX 6. ) XXXX XXXX XXXX # XXXX 7. ) XXXX XXXX XXXX  XXXX # XXXX 8. ) XXXX XXXX XXXX  # XXXX 9. ) XXXX  XXXX  # XXXX 10. ) XXXX/XXXX  XXXX  # XXXX 11. ) XXXX XXXX XXXX XXXX # XXXX 12. ) XXXX XXXX XXXX # XXXX 13. ) XXXX XXXX # XXXX 14. ) XXXX XXXX XXXX # XXXX 15. ) XXXX XXXX XXXX # XXXX 16. ) XXXX XXXX. # 514731****17. ) XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction..

Also, there is hard inquiries on my credit files that I did not authorize. I attempted to resolve this with the Credit Reporting Agency and with each company that pulled my report to no avail. They have both refused to remove these inquiries that I did not authorize and it it negatively affecting my credit. The following are the companies that have illegally pulled hard credit reports on me. 
1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 3. ) XXXX XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 6. ) XXXX XXXX XXXX XX/XX/XXXX 7. ) XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. ) XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11. ) XXXX XXXX XX/XX/XXXX 12. ) XXXX XXXX XXXX XX/XX/XXXX 13. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 14. ) XXXX XXXX XXXX XX/XX/XXXX 15. ) XXXX XXXX XXXX XX/XX/XXXX 16. ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 17. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 18. ) XXXX XXXX XX/XX/XXXX,. XXXX 19. ) XXXX XXXX XXXX XX/XX/XXXX Also, my Personal Information has erroneous information. There are variations of my name which I have never used showimg on my credit files as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX XXXX Erroneous address where I have never lived as follows : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 2. ) XXXX XXXX XXXX XXXX, Ohio XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 5. ) XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 6. ) XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 7. ) XXXX XXXX XXXX XXXX, Ohio XXXX Erroneous phone numbers : 1. ) XXXX 2. ) XXXX 3. ) XXXX 4. ) XXXX 5. ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: IN

Complaint narrative:
My problem is with Comenity, the company that offers the XXXX XXXX credit card XXXX XXXX XXXX XXXX  is the URL for XXXX XXXX credit card XXXX XXXX When a purchase is made, it is " interest free '', as long as the " plan '' for that purchase is paid off by a certain date. I have 2 such plans : One for the engagement ring I purchased for my fianc ( who, sadly, passed away at the end of XXXX ) and the other plan was for another ring I purchased for her. 

On XX/XX/2022, I made a {$120.00} payment on my account. There was nothing owed on the account at the time, so I know the payment would not have been applied to any outstanding fees or charges. I requested that the payment be applied to my plan XXXX ( the plan for the second ring I mentioned ), as my intent was to pay this plan off before XX/XX/2022, at which time interest will be charged for the plan. 

As of XX/XX/2022, the payment has not been applied to the requested plan, nor has the payment been applied to my account at all as far as I can tell from my account page. The prior balance on plan XXXX was {$200.00}, and the balance of that plan remains the same at this time, according to my account page. The total amount owed on my account ( {$1000.00} ) has not changed since making the payment either. It seems to me that their intent is to run out the clock on this plan ( probably both plans, but I wont know that until I start paying on the engagement ring ) so they can start charging interest on the unpaid balance. 

I have sent 2 messages to them through their Secure Message Center ( which I have used successfully several times in the past for other matters ), but neither message was sent due to technical difficulties. So, basically, they declined to accept my inquiry into this matter. The last message I sent stated that I would be filing a complaint with the FTC against them if I did not receive a satisfactory explanation from them before midnight last night. Again, they declined to accept the message, so I am left with no option other than to file a complaint. 

I would like a full accounting/audit of my account from them, as well as an audit of each plan individually, so I can examine their accounting and payment application practices, at which time I will make a decision about pursuing legal remedies. 

I appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. Section 1 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 In accordance with the Fair Credit Reporting act 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 XXXX accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
This complaint is about Aidvantage. I have tried 3 times to have my loan payments reduced and have sent in all of the documentation. I was able to have the payment reduced last year and understand that I have to re-apply every year. Since splitting from XXXX, who reduced my payments using the same documentation ), Aidvantage finds fault with the same paperwork and denied my request for reduced payments. I talked to them about three weeks ago, around XXXX or so, and asked them what more can I do. I also asked the agent to have her supervisor actually look at the document which is a monthly statement from the company that sends my pension payments each month. They promised to look into it, however, I received an email this morning XX/XX/29, that never mentions the reduced payment request. They also have incorrect information regarding the covid-19 relief measures which have been extended, however, I never stopped making paymenst on my loan. This reduced payment option will expire soon and as of XX/XX/XXXX, they expect me to pay over {$700.00} per month. I am retired now because of a layoff and certainly can not pay that much and they are aware of the fact because I have sent them the information that confirms that I do not have enough income. When I was working making triple what I receive on a monthly basis, I never had to pay that much. I need help because I am not getting anywhere with them. I'm out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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:
I have no knowledge as to who the companies are or why they are even on my credit report i want them taken off my credit report period and permantly.

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 2022-05-29 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: MI

Complaint narrative:
My student loan repayment was supposed to start in XX/XX/2022 after graduating according to the XXXX representative Ive spoken to on the phone. However I learned the loans were added to my credit since XX/XX/2022 prematurely, which consequently dropped my credit score by XXXX points. I was in the process of consolidating my loans prior to the start of the repayments as we have limited income and need it be affordable. I was not expecting to start repayment until XXXX but XXXX had reported me as 90/120 days late by XX/XX/2022 which is inaccurate. I disputed this issue immediately but they did not remove it, in fact they added another 30 days late to my credit report which dropped my score even more ( again I filed the dispute in XX/XX/XXXX, and they added another 30 day late UPDATE to credit file on XX/XX/2022 which is accelerated ). My husband and I are looking to buy a home since being displaced during Covid ( loss of income ) and this derogatory credit reporting of an inaccurate student loan repayment agreement has obliterated any chance of that happening. I have always planned to repay the loans after graduating but XXXX has caused a huge issue unnecessarily and has halted any chance to thrive with this act of inconsistent reporting and in the midst of a pandemic. It seems that they have grouped me inaccurately since the dates that I have are different from the dates that they acted upon ( XX/XX/2022 was never discussed to be the start of my repayment plan, when in fact, I was on IBR plan which didnt expire until months after this, perhaps XX/XX/2022 ). I would like all derogatory credit reports from XXXX to be removed as soon as possible, so that I may put an actual plan in place while still regaining a quality of life during a stressful financial time. 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 2022-05-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXt, the following have violated my rights ; XXXX # XXXX, XXXX XXXXXXXX # XXXX, CXXXX's # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXXr # XXXXXXXX XXXX XXXXt XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I wrote a check and put it in the US mail, the check was made out to City of XXXX for {$51.00}, the following day I looked at my banking app and I was negative {$2600.00}, I looked at the transactions and saw the check I wrote for {$51.00} had been altered to {$4000.00} and deposited into another checking account with XXXX  XXXX XXXX. I went to Fifth Third bank in person because no one could help via phone. They closed the account and I opened a new account, they told me that it will take 180 days to get my {$4000.00} money back after they investigate the situation, I said that seems unreasonable since I alerted them within 24 hours of this fraud. This happen on XXXX and Fifth Third has not communicated anything to me as of yet, I keep going into the bank branch and they tell me I have to be patient with the process. I understand that but no communication from the bank in regards to even acknowledging the investigation is even happening. Feel free to reach out directly to me. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation