vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: KY

Complaint narrative:
Im not sure if the CFPB is who I should contact regarding this, if not could you please tell me who I should contact in regards to this. On the night of XX/XX/2022 I received an alert on my XXXX XXXX account that I had a new hard inquiry from XXXX  XXXX showing up on TransUnion. The next day XX/XX/2022, I called XXXX XXXX to ask them what the inquiry was about because I do have a credit card with them but nothing had changed so they shouldnt have ran my credit. I have had this card for years. The guy put me on hold and went and spoke with his supervisor and then told me that they didnt see that they ran a hard inquiry on their end. He suggested that I call TransUnion and see if they could give me some more details regarding this, he claimed they could tell me exactly what the hard inquiry was. I then immediately called TransUnion, who didnt listen to my problem and just insisted they send me a free credit report by mail. Later the same day I called the ID Theft Bereau? Who told me that I needed to call XXXX XXXX and tell them that I didnt apply for anything and that XXXX XXXX should be able to easily take the inquiry off my report. On XX/XX/2022, I called XXXX XXXX again and told them what the ID theft people told me. They told me they couldnt do anything to help me, that I needed to call the credit company that they hadnt ran my credit. On XX/XX/2022, both myself and my mother received a phone call from a number whose caller ID said XXXX XXXX who left a voice mail on both our phones about my recent application ( again, I have not applied for anything ) On XX/XX/2022, I called XXXX XXXX and ask what the voice mail was about, they said they couldnt help me and I needed to call the application department to check on my application, they basically refused to help me. Sometime during the following week I received my free credit report from TransUnion in the mail. The hard inquiry is most definitely on there and under the inquiry analysis the identifying information they provided is not my address or phone number it is someone elses. I dont know what to do about this and I keep getting sent in circles. It is now appearing across all credit bureaus reports.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My n ame is XXXX XXXX, and you all have received the complaints that I had from all XXXX credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.

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 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX financed alarm equipment for my business. 

They were deducting payments from our debit account as agreed. I dispute the late payments on my credit report. 

They report the account as closed when it is actually open and we are still making payments. The account is open. I am attaching the most recent statement. 

I reached out to XXXX and they were very difficult and refused to make changes to the credit bureau reporting.

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 2022-07-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX financed alarm equipment for my business. 

They were deducting payments from our debit account as agreed. I dispute the late payments on my credit report. 

They report the account as closed when it is actually open and we are still making payments. The account is open. I am attaching the most recent statement. 

I reached out to XXXX and they were very difficult and refused to make changes to the credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is in violation for reporting inaccurate information on my credit report and not following the law specifically 15USC 1681b ( a ) ( 2 ) In regards to these hard inquiries by XXXX XXXX XXXX XXXX. 
XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXXXX/XX/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 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I applied for a free XXXX card that isnt even a credit card it links to your debit card i was denied this card for no resin and have a hard inquiry on my report which is ruining my credit i want it REMOVED ASAP! and want my credit adjusted and the point are added to my score

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 2022-07-08 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: CA

Complaint narrative:
I am in receipt of the results of the investigation which I have attached regarding the XXXX XXXX XXXX XXXX account appearing on my credit report per Equifax says on investigation results they claimed the account is not appearing on my report however I just pulled my report and XXXX XXXXXXXX XXXX XXXX XXXX account is still appearing on my report and still doing damage to my reputation. I ask that you please remove the account as soon as possible from my report and send me a confirmation after doing so please stop stalling and claiming account is not on my report when it clearly is reporting. That is a clear violation of the FCRA if not play misrepresentation of the facts. Remove a XXXX XXXX XXXX XXXXXXXX for my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NC

Complaint narrative:
The account XXXX XXXX XXXX  was opened fraudulently and needs to be removed from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
An account was opened at Discover under my name fraudulently. All 3 credit bureaus are locked as well. Not sure how this could have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My n ame is XXXX XXXX, and you all have received the complaints that I had from all 3 credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My XXXX ame is XXXX XXXX, and you all have received the complaints that I had from all 3 credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) originated our loan on XXXX XX/XX/2022. They then sold the loan to Specialized Loan Servicing ( SLS ) on XXXX XX/XX/2022. In the notification letter XXXX XXXX provided, they gave me an old and new account number. 

I have not received any information or communication from SLS and have been unable to contact them. The loan number is incorrect, they have a complete communication firewall unless I have my account information, SSN, or phone number. All 3 options do not register with their system. The first mortgage payment was due 1 XX/XX/2022, and it is currently XXXX XX/XX/2022. XXXX XXXX XXXX  has communicated they they can not contact the new servicer or receive any account information on my behalf, meanwhile, I have no way to contact the new servicer ( seems to be by malicious design ) in order to make my mortgage payment. I have no issues with paying the mortgage, I simply have no method to do so. I'm concerned this new company intends to force the mortgage to be late past the grace period simply to make money on a late fee and am extremely frustrated.

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 2022-07-08 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I have multiple unauthorized hard inquiries on my credit report. 

I dont know if my information is being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 : 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 2022-07-08 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: LEXISNEXIS
State: AR

Complaint narrative:
I disputed a bankruptcy that was reported to the credit bureaus on my credit report by LexisNexis. I reached out to the bureau and they said Lexis nexis verified this bankruptcy belonged to me. I in turn reached out to Lexis nexis to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for LexisNexis to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a BJ 's Mastercard issued by Comenity Bank. Comenity Bank has been having issues with their website and they are not taking calls. Approximately 2 weeks ago I tried accessing my account and the website was down. I called and the automated system said they're having problems from an upgrade and to call back later. My call was disconnected. Earlier today I was able to log into my account and wanted to see my XXXX statement which should have closed approximately 2 weeks ago but the last statement available on the website is the XXXX statement. Again I called. The automated system said my statement was mailed to me on XX/XX/19. I never received it and I turned off paper statements 2 years ago. Again I tried to talk to customer service and got the same message and was hung up on as previously described. The internet has many reports of others having similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Department of education/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 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 2022-07-08 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Department of education/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 also states a consumer reporting agency can not Furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NC

Complaint narrative:
The account XXXX XXXXXXXX XXXX  was opened fraudulently and needs to be removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: MO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.

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 2022-07-08 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: FL

Complaint narrative:
I received alerts on my credit report. When I check my report I don't recognize the listed inquiries. XXXX XXXX XXXX XXXX XX/XX/22, XXXX  XXXX XXXX XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXXXXXX XX/XX/22, XXXX XX/XX/22, XXXX XXXX  XX/XX/22 XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX  XXXX XX/XX/22

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 2022-07-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I believe I was discriminated against based on national origin, in violation of the " federal equal credit opportunity act violation '', by Synchrony bank when requesting an credit limit increase on my amazon store card. They refused to increase the limit past {$450.00}, and the reason they gave in their letter is " Insufficient experience at your current credit limit '', which doesn't make sense as I've had plenty of experience ( had the card for 3 years almost ), and all my other credit cards from other issuers have credit limits in the thousands. I've never had a late payment in any of my credit cards. My credit score is very good ( XXXX ), and my annual income is over {$150000.00} before taxes. A {$450.00} limit makes no sense and I believe it is because when I first came to the US for work, I had no credit score and the amazon store card was a secured card with a {$100.00} limit. There's some weird legacy in their system that I think does not allow them to give higher limits to people that started off with a {$100.00} limit, but I believe that is disciminatory towards people from other nations who come to the US without a credit score.

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 2022-07-08 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Please help all my Consumer Rights has been Violated. 

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Im not sure if the CFPB is who I should contact regarding this, if not could you please tell me who I should contact in regards to this. On the night of XX/XX/2022 I received an alert on my XXXX XXXX account that I had a new hard inquiry from Capital One showing up on XXXX. The next day XX/XX/2022, I called Capital One to ask them what the inquiry was about because I do have a credit card with them but nothing had changed so they shouldnt have ran my credit. I have had this card for years. The guy put me on hold and went and spoke with his supervisor and then told me that they didnt see that they ran a hard inquiry on their end. He suggested that I call XXXX and see if they could give me some more details regarding this, he claimed they could tell me exactly what the hard inquiry was. I then immediately called XXXX, who didnt listen to my problem and just insisted they send me a free credit report by mail. Later the same day I called the ID Theft Bereau? Who told me that I needed to call Capital One and tell them that I didnt apply for anything and that Capital One should be able to easily take the inquiry off my report. On XX/XX/2022, I called Capital One again and told them what the ID theft people told me. They told me they couldnt do anything to help me, that I needed to call the credit company that they hadnt ran my credit. On XX/XX/2022, both myself and my mother received a phone call from a number whose caller ID said Capital One who left a voice mail on both our phones about my recent application ( again, I have not applied for anything ) On XX/XX/2022, I called Capital One and ask what the voice mail was about, they said they couldnt help me and I needed to call the application department to check on my application, they basically refused to help me. Sometime during the following week I received my free credit report from XXXX in the mail. The hard inquiry is most definitely on there and under the inquiry analysis the identifying information they provided is not my address or phone number it is someone elses. I dont know what to do about this and I keep getting sent in circles. It is now appearing across all credit bureaus reports.

Company response to consumer: Closed with non-monetary relief