vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
SYNCB/AMAZON # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.

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 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I noticed several violations on my consumer credit transaction, demand that this matter is investigated immediately XXXX XXXX XXXX I brought a XXXX XXXXXXXX XXXX XXXX ( XXXX ) vehicle from XXXX of XXXX and XXXX was required to put down a down payment and now its being finance with Pen Fed Credit Union as XXXX XXXX XXXX XXXX violated # XXXX Federal Law on a consumer credit transaction no cash is supposed to be exchanged according to, Federal Law 15 U.S.C 1605 the Finance Charge is the sum of all Charges, according to ( truth and lending act ), defines except as otherwise provided in this section the amount of the finance charge is in connection with any consumer credit transaction shall be determined as the sum of all charges payable directly or indirectly by the person to whom the credit is extended and impose directly or and directly creditor as an incident to the extension of credit. The finance charge does not include fees in amounts imposed by third party closing agencies including, settlement agencies, attorneys, in escrow and title companies, if the creditor does not require the impose of charges or the service provided and does not retain the charges examples of charges. Examples of charges which are included in a finance charge include any of the following types of charges which are applicable. interests, time price differential, and any amount payable under a discount, or other systems or additional charges. Service or carrying charges. Loan fees, Finder fees, or similar charge. 15 U.S.C 1679 82 to protect the public from unfair and deceptive advertisement and business practices by the credit repair organization. 15U.S.C 1662 ( b ) mixing cash with consumer credit transaction. 16 C.F.R 433.1 ( d ) go to the money loan companies that in cash advance for using a social or credit card.

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 2022-12-13 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: FL

Complaint narrative:
Upon reviewing my consumer report, I noticed an account that has late payments that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for account XXXX XXXX XXXX XXXX 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, then I demand these payments be updated on time as they should be as I was NEVER late. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: FL

Complaint narrative:
Upon reviewing my consumer report, I noticed an account that should not be there. 

Consumer reporting agencies may only furnish a consumer report in accordance with the written instruction of the consumer to whom it relates. 

I have never given any of the consumer reporting agencies permission to furnish account XXXX XXXX - XXXX to my consumer report. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and RESPECT FOR THE CONSUMER 'S RIGHT TO PRIVACY. 

Please investigate and delete this account from my consumer report. 

Thank You

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
So I called XX/XX/2022 and XX/XX/2022 to remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Servicer, Select Portfolio Servicing Inc ( " SPS '' ), not properly disclosing existence of lease protected by Protecting Tenants at Foreclosure Act ( PTFA ) to potential Buyer ( s ). SPS using Occupant disclosure where they claim no knowledge of lease that has been provided by tenant to SPS attorneys during eviction attempt. SPS is misrepresenting their knowledge of existence and contents of lease that is material knowledge must be disclosed to potential Buyer ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Westlake Services, LLC
State: OH

Complaint narrative:
Around XXXX XXXX when things started to get bad for Americans Westlake Financial offered limited to no help before throwing you out to credit bureau along with XXXX XXXX interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my XXXX these companies waste no time then send incorrect information.

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 2022-12-13 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: FL

Complaint narrative:
Upon reviewing my consumer report, I noticed an account that should not be there. 

Consumer reporting agencies may only furnish a consumer report in accordance with the written instruction of the consumer to whom it relates. 

I have never given any of the consumer reporting agencies permission to furnish account XXXX XXXX - XXXX to my consumer report. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and RESPECT FOR THE CONSUMER 'S RIGHT TO PRIVACY. 

Please investigate and delete this account from my consumer report. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, transunion, XXXX I just received my investigation results. Report XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 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 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 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 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 2022-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
i have several situations with truist first I had a chargeback with XXXX they refused to file for a month after they stated it wasnt a chargeback its a merchant dispute refused ot give a temporary credit, until i spoke with XXXX and they sent me back some of my money then truist refused to accept the payment that i worked out thats when they tried to act like they were so with the customer but refused to give me a temporary credit then, as i spoke with XXXX i cancelled the chargeback yet truist refused to notify them so XXXX would not return my money becasue truist made me look like i was trying to get a chargeback and negotiate with them, so i had to refile the chargeback... Next situation I went to XXXX XXXX two different times both times the atm dispursed the wrong amount gave me {$100.00} less than than the transaction i made, once i tried to get {$300.00} and the atm gave me {$200.00}, next i tried to get {$200.00} and the atm gave me {$100.00} filed both claims at he same time, both claims the gave me a provisonal credit, 2 days later denied one of them not even researching the issue, I asked for a information on how they came to a resolution yet they will not provide all they say is Truist came up to a conclusion the transactions were not in my favor i asked them to provide documetnation yet they refuse to provide any useful info on how they made their decision all i get is hung up on and disrespected by agent superviosrs and lied to about they have sent me this info they deny claims withough any proof.. 3rd situation i was been billed for 4 months through a auto insurance after they cancelled me i notified truist they did nothing finally a the recurring charges stopped in XXXX, I emailed agents in their department showing them they had been cancelled me yet they still deny me of the claim, and they have yet to complete any of the claims within their timeframe they will not creidit your account instead they will hang up on you and treat you less than a human and it is bad when you call the branch and they treat you the same way like who cares is the action they display to their customers who they treat like we are the XXXX and that is sad once i find a greediest lawyer I can if Truist dont start treating my issues like they treat those rich people issues cause this is a scamming hateful bank and I gave them all the info to every situation as i will have in the attachments stating that they cancelled me yet Truist still finds a way to deny the claim that sad

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 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I used my social security card to obtain money/ Loans/ Open end lines Credit. My social security card is tied directly to my XXXX XXXX XXXXXXXX XXXX and i was still denied for these services 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 
( XXXX ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. 
( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX LOT XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

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 2022-12-13 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: OH

Complaint narrative:
Around Covid 19 when things started to get bad for Americans XXXX XXXX offered limited to no help before throwing you out to credit bureau along with XXXX XXXX interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my god these companies waste no time then send incorrect information.

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 2022-12-13 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Around Covid 19 when things started to get bad for Americans XXXX XXXX offered limited to no help before throwing you out to credit bureau along with Credit Acceptance interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my god these companies waste no time then send incorrect information.

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