vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My account was close with out notification. I have been a customer with Lowes credit card or synchrony Bank credit card since XXXX. I have had good standing and made my balance payment on time. I had a credit limit of XXXX with them. I recently got a report from my credit dropping XXXX point due to my account being close. When I called on XX/XX/XXXX they inform me they ran my credit on XX/XX/XXXX with out my consent. They close my account and reopen it with out my permission. When they try to credit verify my credit had recently token a hit due to fraud in the last couple of months. I called to get more information and they stated they had to right to run my credit at any time. I look threw there terms and condition and found nothing stating they could and did that with out my permission. I use this card monthly and would have no reason for my account to be close. This is unfair and discriminatory practice and should be look into. After doing more research I found that XXXX XXXX had been caught doing the same. I have contacted them and even there customer support agree some unfair and shady practice was accruing. They where unable to open back my account and solve resolve the issue with the damage that was done to 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 2023-02-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was notified of an unauthorized credit inquiry from XXXX XXXX XXXXXXXX XXXX on my credit report. I did not authorize this nor try to open an account with XXXX I called them the day I was notified on XX/XX/2023 and confirmed that someone had used my name and SSN to try to open a credit card which prompted a hard inquiry on my credit report. After speaking with the fraud specialist at XXXX on XX/XX/2023, she told me that I would receive a letter in the mail stating that I had not initiated the inquiry or tried to open a new account. I received a letter about 2 weeks later stating that XXXX needed more information from me before opening a new credit card, which is not at all what I requested. I called again on XX/XX/2023 to request a new corrected letter and was put on hold for about 52 minutes without any help. I called back multiple times and was placed on hold for 10 minutes each time after which I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: IN

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I contacted Resurgent Captial Services several times to validate the alleged debt of {$3900.00}, Account # XXXX. Yet, I continue to receive letters from the agency that do not validate the alleged debt and have reported invalidated debt in my credit reports, a violation of the fair credit act ( 15 USC 1692g Sec. 809 ( b ). 
2 : RE : Account # XXXX The collection even stated that the summary of the account is not a credit card and not from the original creditor and continues to harass me on debt they can not validate and has no right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: MD

Complaint narrative:
I am XXXX  and facing financial hardship. As of today, XX/XX/2023, I have paid a total of {$1100.00} towards my {$510.00} loan. 
I asked to close my account with a final payment of {$50.00} and they would not accept my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened US Bank account since they had a bonus offer to earn {$400.00} when your direct deposits total {$6000.00} or more in XXXX days. I have confirmation emails from us bank for this. I had set up a direct deposit with my employer with this bank account. On XX/XX/XXXX when I logged into us bank website to check whether my paycheck has arrived, the website did not show my bank account which was surprising. Upon calling customer service, I was subject to XXXX behaviour and was told that my bank account was closed on XX/XX/XXXX. When I tried to ask the reason for closure the customer service agent XXXX told me that she wont be able to provide a valid reason as its against their policy and that she does not understand how people coming to US from other countries are able to successfully open a bank account in the US. I was shocked to see the lack of training and the lack of basic ethics in this representative. No empathy, no understanding of the situation that I would now have to hassle around with my employer because the dd deposit will not arrive in time. I was never notified via email or mail that the account is closed. To top it, I had to hear a XXXX comment about how outsiders are able to open a bank account in the US. This was just not a perfect way to start my morning. However I researched on the internet and checked online about the numerous XXXX behaviour complaints against US Bank and then I wasn't surprised about what had happened. I am not sure whether this would be read or acted upon but I still felt that this kind of behaviour wasn't necessary and should not be repeated so I am writing this complaint.

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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
To Whom It May Concern, This Company who had previously been operating as XXXX XXXX and Now operating as SouthWest Credit Systems both collecting for previously XXXX and now apparently, XXXX has taken it upon themselves to re-vive a resolved and removed item from XXXX of XXXX. 

The item was closed and resolved here. It is file number XXXX They have since afreshed the file and placed it once again on my credit file causing my XXXX XXXX to XXXX XXXX points in a little XXXX XXXX XXXX 

They replaced this item on my credit report last month out of the blue sky. They are fallaciously showing that I opened this account in XXXX of XXXX to make it seem as if the debt is current. This is awful. 

This company, whoever they are operating as, uses underhanded tactics in efforts to try and collect old debt from customers. They harmfully go after a consumers credit file as they know that is most damaging. 

And they have become awfully familiar in doing so. 

Below are just the copy/paste details of this matter from XXXX of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XXXX XXXX  Account Number : XXXX XXXXBANK Account Number : XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXXBANK Account Number : XXXX XXXX BANK Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXBANK Account Number XXXX XXXX XXXX BANK Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : 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 2023-02-03 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:
Experian credit bureau who's very existence revolves around unlawful practices has violated my rights again for the 325th in my life. 

Just yesterday they added 4 new accounts to my report. No one notified me or offered my the option to opt out. These accounts are from 2015 and I have no knowledge of them. I should not have to send the credit bureaus a letter every month to notify them that they are violating my rights. 

There is only one credit bureau that is line with the law and its not either of the 3 major ones. Experian, XXXX, and XXXX are all built on unlawful practices and procedures. 

No one should have to notify a company every month that they are operating under illegal standards and procedures. Big business in America already knows this. At the point that they know that we know it should stop immediately. 

Adding anything to my credit report without offering me the option to opt out is a direct violation of my right, but the credit bureaus like Experian are allowed to do it everyday. This company literally breaks laws everyday and nobody cares to do anything about it. That's why they keep doing 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 explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I deposited a XXXXXXXX check  sent to me by a supporter and friend in early XXXX. After XXXX  weeks, the check still had not been cashed, but the bank would not give me back the check to take to another financial institution. They said they could hold it for 90 days and there was nothing I could do about it. Nothing. It has now been far beyond the 90 days and no check and no deposit. No word at all from them.

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 2023-02-03 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: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX THIS ACCOUNT SHOULD BE CLOSED BUT IT STILL OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT SHOULD BE CLOSED BUT IT STILL OPEN

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 2023-02-03 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:
i pulled up my credit and see a late payment being reported by XXXX XXXX and a collection from XXXX XXXX. I called them and are getting the run arrounds. I have never been late with XXXX XXXX at all. i sent letters to the bureaus to send verifiable proof on how they are reporting this this late payment because i was never late and I was in good standing with them, i have the bureaus letter after letter and i have no got no response what so ever. they are ignoring and my request and this is affecting my credit. the same thing with XXXX XXXX. have disputed this more than 5 times over 35 days apart and asked to send me verifable prroof this is my account. i have no contract with XXXX XXXX nor XXXX XXXX. THE BUREAUS HAVE FAILED TO RESPOND TO BE OR SEND ME ANY UPDAED INFORMATION. I HAD TO CALL MY SELF TO REQUEST THIS FROM THE ORGINAL CREDITOR AND WAS TOLD TO TELL THE BUREAUS TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TX

Complaint narrative:
i pulled up my credit and see a late payment being reported by XXXX XXXX and a collection from XXXX XXXX. I called them and are getting the run arrounds. I have never been late with XXXX XXXX at all. i sent letters to the bureaus to send verifiable proof on how they are reporting this this late payment because i was never late and I was in good standing with them, i have the bureaus letter after letter and i have no got no response what so ever. they are ignoring and my request and this is affecting my credit. the same thing with XXXX XXXX. have disputed this more than 5 times over 35 days apart and asked to send me verifable prroof this is my account. i have no contract with XXXX XXXX nor XXXX XXXX. THE BUREAUS HAVE FAILED TO RESPOND TO BE OR SEND ME ANY UPDAED INFORMATION. I HAD TO CALL MY SELF TO REQUEST THIS FROM THE ORGINAL CREDITOR AND WAS TOLD TO TELL THE BUREAUS TO REMOVE 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
Consumer complaint received 2023-02-03 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: NJ

Complaint narrative:
I've been dealing with this for a long as I started looking at my credit since XXXX. My mother had the same name as me. Her information always came on my report. Her past employment. Addresses. Social security numbers and collections. Every time I dispute it they delete and the next day another thing of hers is on my report again. I sent out letters and my picture ID 2 weeks ago to all bureaus and XXXX XXXX Yesterday XX/XX/XXXX after I disputed addresses that belonged to her and her married name showed up on my reports. This morning my report updated that my oldest account was XXXX XXXX XXXX an education loan taken out in XXXX. I was born XXXX. Every time they delete something it comes back. I was denied a mortgage loan because it's a mess. I filed for identity theft end of XX/XX/XXXX. I put fraud alerts on my reports. XXXX I sent pictures of my social security and license to XXXX. It just keeps happening.

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 2023-02-03 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: LEXISNEXIS
State: NJ

Complaint narrative:
I've been dealing with this for a long as I started looking at my credit since XXXX. My mother had the same name as me. Her information always came on my report. Her past employment. Addresses. Social security numbers and collections. Every time I dispute it they delete and the next day another thing of hers is on my report again. I sent out letters and my picture ID 2 weeks ago to all bureaus and lexis nexus. Yesterday XX/XX/XXXX after I disputed addresses that belonged to her and her married name showed up on my reports. This morning my report updated that my oldest account was XXXX XXXX XXXX an education loan taken out in XXXX. I was born XXXX. Every time they delete something it comes back. I was denied a mortgage loan because it's a mess. I filed for identity theft end of XX/XX/XXXX. I put fraud alerts on my reports. XXXX I sent pictures of my social security and license to XXXX. It just keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent Cane & Weiner collection agency a cease and desist later since they were trying to collect a debt XXXX through XXXX. I they didnt provide me with an original contract and they are violating the Fair Credit Act. I am liable for this debt and will not do business with them. They must delete this collection account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I have a student loan of {$6200.00}, there was a student loan relief and I applied for it and it currently on hold right now. As of XX/XX/XXXX, I paid an amount of approximately {$3400.00} and my loan balance was about {$2800.00}. However, I also did apply for the student loan payments refund that I made during the freezing time of COVID at the time I applied for the student loan relief and got approved for that back in XXXX, I received an email stating that I got approved. My loan balance reinstated the end of XXXXbeginning of XX/XX/XXXX and the balance went back to {$6200.00} which took a huge drop for my credit card score as well. I then received a check of {$400.00} on XX/XX/XXXX as a part of my loan payment refund. I did not receive the rest of the payments that I make which was around {$2900.00}. I call EdFinancial to get an update regarding to the rest of the payment and they told me it took about 45-90 days to have it processed so I then waited and called them back around XXXX to get another update and I got the same feedback to wait for another 45-90 days but it's been over 60 days since I last called them and I still have not received anything. I then called them again in XX/XX/XXXX to get an update just to receive the same thing to wait another 45-90 days because they don't have an estimate time. I have talked to my other friends who have a different service provider and they gave them an exact estimate wait time and got their refund back around the given time. However, with EdFinancial I kept getting the same information to wait and it wasn't helping as much. Since the student loan relief is currently on hold at the moment, I want to be able to get the payment back just in case it does not get approved in XXXX so I can have the payment to pay for the student loan that just got reinstated. Thank you.

Company response to consumer: Closed with explanation