vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was issued a Synchrony Bank Sams Club credit card in XXXX and they closed it on XX/XX/XXXX, even though I was not delinquent and had no balance on the card. 

I was told they randomly check credit on their customer and they felt my credit was no longer good enough to have their card, so they closed it. I have never heard of a credit card company continuing to check their users credit every few months to see if they still deserve the card. 

They did not have my permission to check my credit more than once ( when I initially applied ). They accessed my credit report without my knowledge or my permission, and when they decided to close my account it had a negative impact on my credit score - even though the card was paid in full. 

I dont think they should be allowed to secretly check customers credit reports every few months and close accounts that are paid in full. 

When I called and asked them to reopen the account they said they cant do that. They told me to reapply - but now I have a lower score because of their actions. And I dont want to do business with them anymore anyway. 

They should not be allowed to treat customers this way!

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 2023-04-19 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 a letter requesting last XX/XX/2023, that you reinvestigate the disputed Accounts from my credit report as well as update/correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The account are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXXXXXX XXXX Balance : {$440.00}

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 2023-04-19 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:
Ive been a victim of identity theft. I have numerous accounts on my credit that wasnt opened by me, please remove these fraudulent accounts.

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 2023-04-19 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: GA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reviewed by credit report its some fraudulent accounts appearing on my credit report that are incorrect and inconsistent. I will put the accounts below. 
XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX : Act # XXXX XXXX XXXX XXXX : Act # 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$0.00}

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 2023-04-19 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: PA

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 XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

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 2023-04-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-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.

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 2023-04-19 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
In XXXX, XXXX XXXX XXXX sold my loan to Westlake Financial without informing me a day after I paid my car payment. They informed via letter 2 weeks after I demanded written notice of my account being sold. Westlake harassed me for a week, daily, telling me if I didnt pay my late car note that they would send it to collections. They had not even received any of my account information from XXXX XXXX XXXX yet per THEIR WORDS. I kept telling them I had paid it right before they sold it to them, but they kept calling me. Finally, after a week, they got in contact with XXXX XXXX XXXX to verify I had made the payment. I have made XXXX payments so far on the car and NONE of those payments have been reported to the credit bureau, and every time I call and ask why they have not been, they tell me its XXXX responsibility to report the first 6 months, and then when I call XXXX, they tell me they no longer have my information and that it is Westlakes responsibility. When I tell Westlake what XXXX said, Westlake tells me that they do not even have the first 6 months payment history and again, it is XXXX responsibility. Regarding the 2 months Ive been with Westlake, they have not reported those either even after I have filed 2 complaints to them and they said We report to the credit bureau the first week of every month. I have a strong feeling my account will be sold once again and I will go through this problem once more just so my credit continues to stay the same. I have worked very hard to keep a 100 % payment history and I have nothing to show for. To make sure I can not refinance my car and keep me with a high interest rate and loan balance that has yet to decrease by the way!

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 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank acquired my home mortgage from XXXX XXXX XXXX  in XX/XX/XXXX. In XX/XX/XXXX, PNC sent me notice of their intent to withhold a 2 month cushion in my voluntary escrow account for property taxes. My original morgage documents agreed on {$0.00} cushion and terms that my escrow payments could only increase if actual property taxes increased. Homeowners insurance is not a factor as I pay that outside of escrow as originally agreed to. Further, my property taxes are frozen regardless of appraised value due to my over XXXX homestead exemption in Texas. I sent all of this documentation to PNC and received a response that the 2 month cushion is their policy with no regard to the terms of the loan they acquired. I then asked PNC to close my escrow account, which was voluntary for concvenience on my part, and return all my escrow deposits to me. PNC then resonded with an outragious fee of {$680.00} to close the account which currently contains about {$1500.00}. I am not receiving any interest on these escrow funds and I don't beleive PNC has the right to charge any fee, let alone this rediculous amount. All of the documents reference here are attached for review. PNC customer service address and phone : PNC Bank, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-19 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: MO

Complaint narrative:
XXXX XXXX XXXX -- -- attached from courts to delete off credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My rights were violated with all these companies reporting in my credit report in collections Paperwork attached in file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reviewed by credit report its some fraudulent accounts appearing on my credit report that are incorrect and inconsistent. I will put the accounts below. 
XXXX XXXX : Act # XXXXXXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX : Act # XXXX XXXX  : Act # XXXX XXXX XXXX : Act # XXXX XXXX  : Act # XXXX XXXX XXXX XXXX : Act # 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 explanation
Consumer complaint received 2023-04-19 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
An entity on my Paypal account is attempting to collect a debt of {$470.00} through an invoice. I don't have a debt. I am not affiliated nor do I do business with this entity or seller. I received an email from this entity on XX/XX/2023, at XXXX to pay this invoice. 




15 U.S. Code 1692f - Unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX  and Transunion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance {$64000.00} ; XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.

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 2023-04-19 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 a letter requesting last XX/XX/2023, that you reinvestigate the disputed Accounts from my credit report as well as update/correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The account are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$440.00}

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 2023-04-19 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: FL

Complaint narrative:
I sent a letter requesting last XX/XX/2023, that you reinvestigate the disputed Accounts from my credit report as well as update/correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The account are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXXXXXX Balance : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA has been in reception of MULTIPLE lawful payments and has yet to apply any of them to the account I use for my benefit. I believe in all of my heart that the instruments ( aka payments ) have been stolen and possibly sold for value of USAA 's personal financial gain. 

Attached are some of the instruments./payments USAA also commits crimes called double dipping, they expect the be paid twice for their insurance products by payment PLUS remittance coupons that are redeemed via Remittance department. 

Any time I call, I get multiple representatives who never provide transparent answers. 

This bank has been in reception of MULTIPLE negotiable instruments as payments and/or deposit funding and it has yet to be applied EVEN ONCE. 
A XXXX IRS Referral and Interference with commerce IRS Notice, a long with documentation of USAA 'S DISHONOR has been sent USPS to XXXX, Utah in hopes to recover the funds *eventually *, but I hope your department can intervene sooner??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation