vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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: PA

Complaint narrative:
I have been a long-time customer of Care Credit. When I had my job, I have set up an automatic payment to them. I have been a good customer and paid my due. In XXXX of this year, I was not able to pay my bills due to unemployment. I have contacted them and explained my situation. What I owe them that time was approximately over {$100.00}. I made a payment arrangment with them and they accepted a few amounts. When I get a money to pay them full, I did pay them full with no balance. 

Now, when I check my credit reporting, they have not changed the status of my credit, so I disputed it. Suddenly, I received a notification from XXXX, and it says that an account has closed. When I check it out, my Care Credit closed without my knowledge. 

Today I spoke to one of their supervisors and verify the closure. And I was told by their supervisor that yes it was closed because they did a soft pull, and they find many discrepancies in my credit. I was told that in order to not use the card they decided to close it. 

My account was not delinquent as of today, and I paid my dues two months ago with no balance. My point here is that : 1 ) They made a soft pull of my credit to justify my fate with them, and this is unknown to my knowledge. 

2 ) They closed my account while I don't have current delinquency with them, however, it was, paid in full and there was not activity.

3 ) Closing my account affected my credit score. 

I think it is not fair that company would just randomly do a soft credit pull to justify to closed and account that is fully paid and no delinquency. I would understand it if I were not paying my account and the interest is accumulating, and that I have not been responsible to communicate with them. I communicated with them from the beginning, and I paid my balance as soon as I get a money. In my history with them, this is the only year I am not able to pay due to my being unemployed. And I discussed this with them. This is an unfair treatment of customer. And I had reason for my payment, and even my other credits I have reason but not intentional. And the end result of all these was I paid my creditors, and I didn't leave any balance with them. This is unbelievable to make someone suffer this way because of unintentionaly unemployment. It is destructive to the person for them to randomly pull my credit and justify to close because of my other issues. While I was current with my payment with them. And paid in full.

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 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
On XX/XX/22 I disputed the amounts from National Credit Adjuster {$310.00}, {$310.00}, {$1200.00}, {$1200.00} with XXXX, XXXX and XXXX. I requested validation under the Fair Collection Practice Act that they claim I owe. Provide me a signed copy, bearing my signature, on the original contract or delete. 15 U.S.C Sec 1681 ( a ), I heard that if you cant provide proof, these accounts must be deleted. On XX/XX/22 contacted National Credit Adjuster requesting the same document mentioned in the above email. On XX/XX/22 A representative from National Credit Adjuster sent an email requesting amounts, account number and last 4 of my social security number. I have heard no resolution thus far. The accounts are still showing in collections on my credit report with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good day, I have made several attempts to have unauthorized and unverified inquiries removed from my credit report. I reached out to XXXX and TransUnion by phone and was given the run around each time and was not assisted in submitting the disputes or commencing investigations on inquiries that were not carried out by me. such inquiries are ; XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX TransUnion XXXX XXXX inquiry date XX/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 explanation
Consumer complaint received 2022-07-21 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  Account 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 2022-07-21 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 Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
Persolve Legal Group XXXX is reporting an open balance of {$7000.00} from an original debtor of XXXX XXXX XXXX. I have disputed this claim twice with Persolve Legal Group, on XX/XX/XXXX and XX/XX/XXXX yet it remains on my credit. 

This claim stems from a vehicle that was purchased on XX/XX/XXXX for a XXXX XXXX XXXX purchased from XXXX and financed by XXXX XXXX XXXX. This vehicle was a covered by a XXXX XXXX XXXX XXXX and this vehicle is no longer in my possession as a result of a loss that the lienholder, XXXX received the price of the loss from XXXX as a result of this loss! I spoke with XXXX today, XX/XX/XXXX, by phone at XXXX spoke with XXXX XXXX, XXXX of XXXX Customer Service, and XXXX XXXX advised me that XXXX XXXX XXXX, as the lienholder of my vehicle, recovered the price of the loss of the vehicle, via the GAP insurance policy issued by XXXX, on XX/XX/XXXX, policy # XXXX. I requested verification in writing, as the customer of the policy and was advised that since XXXX XXXX XXXX received the funds, they could not release this information to me. However, this debt has been paid and needs to be deleted immediately and imminently! 


This same account was reported by another agency, which I disputed in XX/XX/XXXX that collection agency from XX/XX/XXXX was forced to remove this collection account from my credit and then it was sent to XXXX XXXX XXXX, who keeps reporting this completely false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of INACCURATE payment historywhich is being reported by Experian on my credit report. My latest credit report shows an payment discrepancies listed on Experian, however correct payment history having never been late on other bureaus. 
Please havethese/thisinaccuraciesremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I am making this complaint against Firstsource Advantage , LLC. for committing identity theft. I have never given Firstsource Advantage , LLC. any permission to use any of my identifying information to commit mail fraud by contacting me about any alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) and lawfully discharging the debt pursuant to UCc 3-604 ( a ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Firstsource Advantage , LLC. can provide me with sufficient documentary evidence that I have any legal or lawful obligation to pay them. If this documentary evidence can not be produced and Firstsource Advantage , LLC. continues its collection efforts, I will file for litigation for actual damages caused and Firstsource Advantage , LLC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the document herein and of this notice, you are hereby notified pursuant to UCc 1-202f. Your promt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: CA

Complaint narrative:
XXXX XXXX Bank Accounts ending in XXXX and XXXX on all 3 credit bureau reports are reporting charge-off as the status under the accounts after they were settled and paid off with XXXX XXXX Bank . This is inaccurate reporting of information and I am requesting that the CFPB please have these inaccurate remarks removed from my account and updated to settled-paid as agreed.

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 2022-07-21 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: CA

Complaint narrative:
XXXX XXXX Bank Accounts ending in XXXX and XXXX on all 3 credit bureau reports are reporting charge-off as the status under the accounts after they were settled and paid off with XXXX XXXX Bank . This is inaccurate reporting of information and I am requesting that the CFPB please have these inaccurate remarks removed from my account and updated to settled-paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 explanation
Consumer complaint received 2022-07-21 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:
XXXX accordance with 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 XXXX XXXX XXXX XXXX XXXX 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. States : 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 2022-07-21 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:
XXXX accordance with 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 XXXX XXXX XXXX XXXX XXXX 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. States : it 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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is another complaint against Capital One Bank. I had a Capital One Visa card for years and sometimes put XXXX of dollars a month on it. The interest rate did not matter, for I always paid the entire statement at the end of the month. After two incidents with the XXXX XXXX XXXX division of Capital One, I closed the account with a XXXX balance. Nevertheless, Capital One allowed a charge after the closure. ( It took three notifications to close the account. ) I eventually paid the charge placed on my statement after I closed the account. My check arrived before the cutoff date. Nevertheless, I got still another statement from Capital One for {$4.00} for interest incurred during the mailing time. In other words, I am never to be clear of debt from Capital One. 

Ironically, during this time, I have received four or five notices from Capital One that I am pre-approved for a Visa card. No thanks! I would advise anyone seeking a credit card to look anywhere but with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22 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: FL

Complaint narrative:
I have never applied for any loans with XXXX, XXXX my information was stolen and this account is inaccurately being reported on my credit.

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
my name is XXXX XXXX XXXX XXXX social security # XXXX i am a victim of identity theft all credit cos we're already informed & and given police reports including XXXX in XXXX Minnesota state abbreviation MN please adjust my XXXX XXXX to a normal-perfect XXXX XXXX XXXX or better please please clear my credit report to a new credit report social security XXXX XXXX XXXX requested after contacting your agency to get a new driver 's license number # and & to get a new social security number please process my request right away please i unlocked my credit on XXXX XX/XX/2021 thank u XXXX XXXX XXXX was notified new address XXXX XXXX XXXX XXXX MA XXXX and & XXXX XXXX XXXX XXXX MA XXXX thank u

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 2022-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Arias Bosinger
State: TN

Complaint narrative:
The Preserves at XXXX XXXX XXXX XXXX XXXX, through and by their attorney XXXX XXXX, with fraud upon the XXXX XXXX XXXX obtain a summary judgment and sold my home at auction on XX/XX/2022 without the proper procedural manner. I was never served any notice of lien or notice of intent to default. Now they have alleged to have purchased the property at auction and I still have not received all the notification I am required through due process to respond in a timely fashion. I believe that there is fraud with that organization and the courts help them. I would like a full investigation is due and they never had any legal interest in the home and that the original note and mortgage with the alleged mortgage company XXXX XXXX is also fraudulant.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Investigation Request Letter To Whom It May Concern I've recently receive my consumer report in attempt to improve my credit to better my livelihood and i noticed an account that i would like more explanation on i am not saying they are reporting right or wrong im saying im not 100 % sure if they are. As it states in the Fair Credit Reporting Act by law i have the rights to callenge anything i am not sure is 100 % accurate. It also states in 15USC 1681 i ( a ) if you caint provide proof this account must be deleted. Well i want this account deleted if it is not 100 % accurate. And by law you have 30 days to complete this investigation. Please investigate this account and remove if anything is incorrect or missing thank you. 

XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
acct number # XXXX, Capital One N.A. 

I, the Consumer, and natural person, had their credit card account closed by CAPITAL ONE when I mailed legal tender under U.C.C. 3-603. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in Title 15 U.S. Code 1691c and is pursuant to civil liability under Title 15 U.S. Code 1692k. You are subject to criminally liability for violation Title 15 U.S. Code 1691 as I have proof that I was discriminated against by CAPITAL ONE due to the response I received. CAPITAL ONE is in violation of Title 15 U.S. Code 1642, U.S. Code 1681m, UCC 3-603 and 12 CFR 1002 because I, the Consumer, made a legal tender payment in good faith, but credit to my account was not issued. CAPITAL ONE is in violation of Title 12 CFR 1026.11 ( b ) ( XXXX ) - ( XXXX ). Your company can not close my account due to the fact I incurred a finance charge. My account was not inactive for more than XXXX months. There was no need to close my account.Furthermore, because my social security number ( credit card ) was used, and my account was funded via my XXXX XXXX XXXX I should receive ongoing credit on behalf of CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TN

Complaint narrative:
15 U.C Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S .C 1681 Section 602 A States I Have the right to Privacy 15 U.S.C 1618 Section 604 A Section 2 it 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 2022-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This creditor is attempting to collect a debt that does not belong to me. My information was stolen by identity theft. The creditor was alerted and is still harassing me and reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation