vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : 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.

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 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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.

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 2022-05-12 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received an alert that negative information had been reported on my credit bureaus. Upon investigation, I see an entry listed for one Transworld Systems possibly related to a creditor named " XXXX XXXX. '' I have never done business with any company by the name of XXXX XXXX or Transworld Systems. 

I have disputed the reporting with Transworld Systems and requested verification of the debt, but have not received a response. 

I have received no letters, phone calls, or other requests for payment from anyone related to this matter. 

I mailed the dispute and request for verification to : Transworld Systems XXXX XXXX XXXX XXXX, DE XXXX I want this negative reporting removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: CT

Complaint narrative:
I have disputed the same problem with all 3 credit reporting agencies. XXXX XXXX XXXX has corrected my credit report for XXXX XXXXXXXX XXXX. Please help me ask Experian to make the correction as soon as possible as they are causing great stress to my financing of my first home purchase. Thank you very much.

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 2022-05-12 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: KS

Complaint narrative:
On XX/XX/XXXX I was alerted to a credit inquiry by third party monitoring company called XXXX. 

I called XXXX and the inquiry did not display any additional information other than the Inquiry was being reported by Transunion. The XXXX representative said that it was likely a glitch since there were no details with the inquiry and said to check back in a couple days as it would likely " just go away ''. 

On XX/XX/XXXX I was alerted again, this time by XXXX, that there was an inquiry on my credit via Transunion. This time I created an account with Transunion and immediately froze my credit. I also froze my credit with XXXX. All XXXX bureaus are now frozen and a fraud alert has been placed. 

I then called Transunion ( who were not very helpful ) but was able to determine that a company called " XXXX XXXX XXXX '' pulled a hard credit inquiry against my credit. I am not seeking credit, applied for credit or have done anything that would facilitate a inquiry. 

Now knowing the source of the inquiry, I called XXXX XXXX XXXX in an attempt tp get more details. I was placed on hold indefinitely, hung up on and basically no one could or would try to assist. 

At this point Transunion says I need a report from the FTC which states that this inquiry was indeed fraud, which then starts a process to where the financial institution ( XXXX XXXX ) will be " officially '' notified of the fraud. In the meantime, XXXX is likely processing the credit application and will approve credit for the criminals who started this whole thing. The process is so slow, that the damage is done before you can even get started to ty to stop it. 

I am asking for help here, to stop this in real-time and hopefully stop a criminal from getting a free payday. Transunion says I need a report from the FTC, but didn't/could n't tell me, nor can I find what type of report I need to get from the FTC. After I get a report from the FTC, I then need to send the report to Transunion with an Authorization letter to remove the inquiry from my report? How does this stop the end-criminal, what are the next steps? Very frustrating. 

I would sincerely appreciate any help you can provide with this issue.

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 2022-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a letter by Comenity Capital Bank that my limit was decreased. I have been a loyal customer to this card for over four years. They have done this to me twice. I have been good with my payments and haven't missed one in years. I pay more than the minimum limit and again they have done this to me twice. My score is low due to my wife being sick and our limits going up on my cards. However these people lowered my limit which means they are basically kicking me when I am down. I called today and they give me XXXX  number... basically " shooing '' me away. I have not been neglectful to this bill and I have been on time with my payments. I just want to be treated fairly and this is the only card that has done this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/XXXX I was alerted to a credit inquiry by third party monitoring company called XXXX. 

I called XXXX and the inquiry did not display any additional information other than the Inquiry was being reported by XXXX. The XXXX representative said that it was likely a glitch since there were no details with the inquiry and said to check back in a couple days as it would likely " just go away ''. 

On XX/XX/XXXX I was alerted again, this time by XXXX, that there was an inquiry on my credit via XXXX. This time I created an account with XXXX and immediately froze my credit. I also froze my credit with XXXX. All XXXX bureaus are now frozen and a fraud alert has been placed. 

I then called XXXX ( who were not very helpful ) but was able to determine that a company called " ELAN Financial Services '' pulled a hard credit inquiry against my credit. I am not seeking credit, applied for credit or have done anything that would facilitate a inquiry. 

Now knowing the source of the inquiry, I called ELAN Financial Services in an attempt tp get more details. I was placed on hold indefinitely, hung up on and basically no one could or would try to assist. 

At this point XXXX says I need a report from the FTC which states that this inquiry was indeed fraud, which then starts a process to where the financial institution ( ELAN services ) will be " officially '' notified of the fraud. In the meantime, ELAN is likely processing the credit application and will approve credit for the criminals who started this whole thing. The process is so slow, that the damage is done before you can even get started to ty to stop it. 

I am asking for help here, to stop this in real-time and hopefully stop a criminal from getting a free payday. XXXX says I need a report from the FTC, but didn't/could n't tell me, nor can I find what type of report I need to get from the FTC. After I get a report from the FTC, I then need to send the report to XXXX with an Authorization letter to remove the inquiry from my report? How does this stop the end-criminal, what are the next steps? Very frustrating. 

I would sincerely appreciate any help you can provide with this issue.

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 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : 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.

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 2022-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have 4 private student loans with Navient, went to XXXX XXXX, XXXX, XXXX - XXXX. The loans I took out were Sallie Mae loans, I thought at the time they were government loans. First loan, I took out was for {$12000.00} doubled to {$25000.00} within several years ; the other were small loans {$9000.00}, and ( 2 ) {$5000.00} loans. I started paying back the loans under income repayment in XXXX with monthly allotments to present. Iam now on Social Security and spousal military retirement ; main income. XXXX  to my XXXX XXXX mother with multifaceted illnesses. Pay present monthly amount of {$240.00} to Navient. Have to renew loan every 6 months with higher and higher interest rates. Two weeks ago tried to renew loan repayment with Navient will go up to {$300.00} monthly. I recently learned from my credit report Navient has filed contradictory information that I have continuously missed payments. How can I miss so many payments when I set monthly allotments??? The problem I noticed with Navient when you set up the allotments on your credit card/debit card, the first month you start taking out the allotments always dont process with the bank. Thats the only way I figure I could have missed payments??? I need help from a pro bono lawyer to help clear my credit report. Navient is the only company on my credit report with destructive information. Iam XXXX years of age, I have intention to pay on my student debt but not beyond my means. I have to pay rent, car insurance, XXXX insurance I just need help lowering the debt some.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I called PNC to try to pay my full balance. I asked if there was interest on the account and if I could get a full payoff total. I was told the system would not allow me to pay anything over my balance that is listed in balance due section. I spoke with XXXX and asked if I paid my full balance on XX/XX/2022 would interest be assessed on my next bill. XXXX told me if I paid my full balance on XX/XX/2022 there would be XXXX dollars of interest on my next bill. Later that day I called back to verify that my payment went through, and I asked once again about the if interest would be charged to my account, once again I was told no. On Saturday XX/XX/2022 I saw my online statement and there was interest charged for {$12.00}. I immediately called customer service, I explained to the rep what took place, and he went to speak with his manager, he returned to tell me his manager said the interest would have to stay and would not be removed. I requested to speak to the manager and that was XXXX. I explained over again to XXXX the situation, though he seemed reluctant eventually XXXX told me the interest of {$12.00} would be reversed and I should see the credit on my account in a few days. I have checked my account all week and saw no changes, the interest fee was still there. I called today XX/XX/2022 only to find out somehow the request to reverse the interest was denied, no one called or email to tell.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a Sam 's club credit card via Synchrony Bank online in XXXX when placing an order. Because of a prior fraud alert on my credit file, it could not be processed automatically b/c Synchrony could not access my credit file without verifying my identity. A few days after that, I removed the fraud alerts as that issue had long been resolved. However, I never received any follow up from Sam 's Club or from Synchrony regarding this application. 

In late XXXX, while in a Sam 's Club store, I received a preapproved credit card offer at checkout, so I agreed to apply again. This time they said the application was stopped because of the earlier application and I would hear something via a letter. 

I received a letter last week dated XX/XX/XXXX that my application was denied because " prior application submitted too recently. '' I never received anything regarding that original application, now almost 2 months ago. 

I contacted Synchrony and all they would tell me is that both applications were declined and I would receive a letter explaining. I tried to explain that I did receive a letter ( dated XX/XX/XXXX ), but it was for the 2nd application. I wanted to know what happened with the 1st application and why it apparently was declined. That employee could not provide any additional information, so I left a message on Synchrony 's facebook page. 

In response, another employee called me and she was able to explain that after my 2nd application, she did see that they were able to pull my credit to process the first application, but it was showing as declined. Again she said that there was a letter sent explaining, and it was dated XX/XX/XXXX. ( 3 days earlier than the one I already received ). 

It has now been over 10 mailing days, and this letter never arrived. My XXXX  score is XXXX as of last week. I have no late pays, no judgments, no collection accounts. I have absolutely no derogatory items in my credit file, so why did they decline me? How do I know they even pulled the right credit file? Aren't they supposed to inform me in writing why I was declined as per the FCRA requirements? 

Further, please note that I have at least 3 other active Synchrony accounts, all with perfect records and have had at least 2 of those accounts for over 10 years. I never carry a credit balance ; while I use credit cards for the rewards, I pay them in full every month. 

I have attached a copy of the one and only letter I've received.

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 2022-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: MECHANICS BANK
State: CA

Complaint narrative:
Mechanics Bank Auto Finance claims an installment contract with my alleged signature was purchased by them. This installment contract contained a questionable VIN number. I requested validation, investigation, and reinvestigation, but Mechanics Bank failed to provide actual proof of their claim. As they have failed to produce results time and time again, I have been left with ruined credit and financial turmoil. 

After I revealed to Mechanics Bank that the VIN number was indeed inaccurate, Mechanics just updated their account information to reflect the correct VIN description as : XXXX, to match the contract. 

I called the DMV several times and requested a lookup of this VIN and my suspicion was confirmed that the number is not registered. My next question naturally is how could they have allegedly sold me a vehicle if the VIN isn't registered? Please see the attached documents from the DMV of XXXX. 

The attached form provides a description of the vehicle ( VIN ) that XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) and Mechanics Bank Auto Finance have claimed to be correct. The DMV has verified my suspicion that this VIN is in fact not real and XXXX XXXX and Mechanics are tying me to a FRAUDULENT contract. 

I wished for this to be removed from my consumer report numerous times. My credit was ruined along with my reputation so no reputable credit card company will approve my applications. I've been denied the benefits of my own credit for almost three years due to Mechanics Bank Auto Finance lack of thorough investigation. This has directly the degree in which I'm able to my provide for myself and my family. Unable to access the benefits of my credit is financially devastating and continues. I have provided more than enough information to Mechanics and wish for this issue to be resolved as soon as possible. I wish for Mechanics to provide relief for this huge inconvenience to me and my family. 

I will be entering a motion to litigate if my wishes are not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-05-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation