vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank regarding their questionable business practices, specifically their freezing of available credit on my account despite making two substantial payments. I believe that this action is unjustified and hinders my ability to effectively manage my finances. 

On XX/XX/2023, I made a payment of {$4000.00} towards my Synchrony Bank account, followed by an additional payment of {$2500.00} on XX/XX/2023. These payments were made to reduce my outstanding balance and increase my available credit. However, to my dismay, Synchrony Bank froze my available credit instead of reflecting the payments on my account. This too over 2 weeks for this to be reflected on my account.

The freezing of available credit despite making substantial payments is not only confusing but also puts unnecessary constraints on my ability to utilize the credit I have diligently maintained. This action by Synchrony Bank hampers my financial flexibility and restricts my access to the credit I have earned through responsible financial management. 

I strongly believe that this freezing of available credit is an unfair and deceptive practice that goes against the principles of transparency and customer-centricity that should be upheld by financial institutions. It undermines the trust and confidence I have placed in Synchrony Bank as a loyal customer. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate actions against Synchrony Bank for their unfair business practices. I urge the bureau to ensure that banks are held accountable for their actions and that consumers are protected from such unjust practices.

I am prepared to provide any additional information or documentation required to support this complaint. Please feel free to contact me at XXXX to discuss this matter further. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will take prompt action to address this issue and protect the rights and interests of consumers.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have accounts on my credit report with XXXX, Transunion, and XXXX that do not belong to me.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have accounts on my credit report with Experian, XXXX, and XXXX that do not belong to me.

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 2023-11-10 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX. And Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
My Loans were transferred from AidVantage to XXXX about a year ago but AidVantage is still reporting them as open with the credit agencies. I called them about 5 months ago and asked them to update it on my report. It is hurting my credit score because it has doubled my debt amount. They said they would escalate it, but it still hasnt been resolved. I have had to contact the credit bureaus on my own and dispute them. I dont feel like this company has done its due diligence and I feel like this should not have been my responsibility to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US C 1681. 


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 XXXX 15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item. Im 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 information is inaccurate. Do.

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 2023-11-10 00:00:00
Product: Credit reporting 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: OH

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 US C 1681. 


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 XXXX  15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item. Im 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 information is inaccurate. Do.

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 2023-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
XXXXXXXX XXXX XXXX supposedly gave this fake debt to professional collectors corporation XXXX which they couldnt validate the debt in XXXX of XXXX  so it was removed. So since they couldnt validate the debt on XXXX professional collector corporation then put it on my XXXX report again on XX/XX/XXXX not being able to validate the debt I am assuming that pcc gave XXXX a kickback of some kind since the bill doesnt exist. I just seen that XXXX will not take it off my account even though they cant verify it. It shows that I disputed it. I will keep disputing it until pcc can show this bill into existence. Pcc has committed fraud and embezzlement with taking money showing that my health insurance picked up all of the bills they say I owe. They sent me a national standard intermediary remittance advice showing how much the insurance paid. All of my medical bills were paid. The bills were taken off of XXXX since they couldnt be validated. XXXX must not check to actually look and make sure the bills is validated. I will dispute this over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for failing to correct multiple inaccuracies on my consumer report, despite my repeated efforts to resolve this issue through notarized letters directly to their office. These inaccuracies are causing me considerable harm, including denial of credit and unfavorable loan terms. 

I have discovered that my TransUnion credit report contains numerous incorrect addresses and phone numbers that I have never used or been associated with. I have lived at my current address for over 12 years and have maintained the same phone number for 13 years. No other addresses or phone numbers are valid for my personal and financial dealings. The appearance of this incorrect information is alarming and suggests a potential mix-up with my personal data or identity theft, a situation made even more concerning due to past data breaches associated with credit reporting agencies. 
Specifically, the incorrect information includes : * Addresses that are completely unknown to me, one of which is associated with a teacher 's agency * A phone number I have never owned nor utilized. 
* Employers I have never worked for being displayed on my consumer report This misinformation has already had tangible negative effects on my financial standing. For instance, I was recently denied a loan for an automobile due to the inaccurate address details reflected in my credit report. Such errors have unjustly impacted my creditworthiness and have subjected me to higher interest rates and financial scrutiny that I should not be facing. 

The persistence of this problem despite my efforts to correct it, including sending multiple notarized letters to TransUnion, is unacceptable and negligent. It is imperative that TransUnion take immediate action to rectify these errors. 

Therefore, I urgently request the CFPB 's assistance in this matter. I ask that you compel TransUnion to do the following : * Perform a thorough investigation into the inaccuracies reported on my credit file. 
* Remove all inaccurate addresses, phone numbers, and any other incorrect information from my credit report. 
* Provide me with a revised and accurate credit report upon resolution of these issues. 

I have attached copies of my previous correspondence with TransUnion, as well as evidence of my actual residence and phone number records for your reference. 

I appreciate the CFPB 's attention to this critical issue and look forward to a prompt resolution. Should you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your assistance. 
Sincerely, 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 2023-11-10 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I received letter XXXX from company today dated XXXX it took months to XXXX letter, inference to CFPB ref no XXXX I'm uploading letter. Reminding you they sent a dispute paper I had to sign but when I said I didn't receive XX/XX/XXXX email. Look at reason wrong email address there wrong doing. Dispute letter was sent to right one. Come on now. They also admit there other wrong. I'm still with my money oh.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I would like for them to cancel my account. I asked for access to this account, because my phone number has changed, since I last used it. It has now been over 3 weeks. I sent both my i.s., and passport ( very unusual process ) via their private portal over 4 times!!! They said, that they couldn't read it. I asked for a supervisor, another 2 days wait... uploaded them again, & the same thing! I was actually initially alerted to the fact that I had even still had this a count, because I received an email, where someone else requested my password for it. My phone had been recently hacked... so I was anxious to get back in, in order to check for possible identity theft. These people have now left my account open for weeks, contributing to that same illegal process. I am livid. In fact, they are asking for very sensitive information, which I believe to be illegal, for a non-governmental agency. These peoole themselves could actually steal my, & any other customer 's information, under the guise of 'our safety '. I felt so uncomfortable sending it once, much less over 4 times! I even tried contacting them from my verified XXXX XXXX, & they referred me back to their customer service, where I've been going back & forth for weeks already. What! These people should not have access to i.d . ( front/back ), passport, & social security card ... etc., as they require ... to change a ph. Number! If it's illegal for all other non- governmental agencies, it should be illegal for them as well. Banks aren't even allowed all of that information. PLEASE... PLEASE, have other customers beware. This appears to be an illegal scam. It needs regulation. And, I want my acct. permanently deleted. Although, I'm sure that they have actively participated in identity theft by now. I need account deletion, confirmation, & an identity theft note on my account. They are lucky, that I do not sue them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
. I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation?

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This will be my second attempt to procure information concerning my credit score reporting from TransUnion TransUnion for the last 3 to 6 months if not longer have reported me at XXXX no late payments no new nothing XXXX has me listed at XXXX this information can be found through XXXX XXXX there is such a disparagement gap between the credit scores whom do I complain to concerning the information that TransUnion is using to prevent my score from going up towards a more positive number I also want to know how is it that this reporting companies have the ability to control everyone 's life by this number yet there have been so many attempts and hacks towards these agencies that prevent people from getting the credit that they deserve I do understand that there is a bankruptcy but the bankruptcy is paid on time without any adverse comments or actions so therefore am I not to believe that TransUnion purposely intentionally are using these low numbers without any impactful information to show why and not to move the numbers forward when the credit score exist and why has the vantage point score not changed help me to understand and should I consider this a company that will continuously use these numbers and tactics in order to keep people of color from moving forward in order to pursue their happiness to obtain a mortgage car I would like to know what agency is actually looking out for the consumer and why so much power are given to these three entities and there is absolutely no one to hold accountable no one to even talk to

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 2023-11-10 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I have sent rounds of letter to request that inquiries not related with me should be deleted but they did not take any action about it.

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