vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 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: NC

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: VA

Complaint narrative:
Applied for a mortgage. The lender stated that I need to settle the medical debts on my credit report. Called the hospital and spoke with the business office they said those debts were not in their system and it may be for XXXX XXXXXXXX XXXX XXXXXXXX. They gave me the number XXXX. I called this company. They could not find any debt in their system. I pulled my credit report, and it states AR Resources. I called AR Resources in FL being that the one in PA was not answering the phone. 
When I called the FL AR Resources, they also could not find any record of my debt. They then gave me a number to a lawyer to contact. Florida AR Resources stated that the PA office is not affiliated with them, and this was fraud to try and collect debt under their company 's name. I contacted the lawyer from XXXX FL. XXXX XXXX phone number XXXX XXXX XXXX. He told me to contact an attorney that specializes in fdcpa cases, and I can sue the PA company for fraud, collecting a debt under a wrong name.

I am requesting all debt be removed from all reports so I may purchase a home. This has been very frustrating and time consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Longbridge Financial, LLC
State: FL

Complaint narrative:
The company sold my personal information including home address, cell phone number to third parties. I get phone calls daily and mail from companies offering me products related to a reverse mortgage, insurance, etc etc. 

I have requested my rights under the privacy policy not to share any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality u nder 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX has violated my consumer rights! They are reporting a XXXX XXXX Bankruptcy stating my spouse filed it. I have never been married and they have shared this inaccurate information with the credit bureaus Transunion and XXXX. They are not reporting factual and accurate information. I have disputed this information with them several times and they are stating PACER is reporting it accurate. I contacted PACER and they do not have a file that says spouse filed anything. I have asked them to remove this information and they have not. They are in violation of METROXXXX  reporting requisites per the XXXX as well as the FRCA, and thus damaging my credit. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and maximum " possible '' completeness 's, which extends to the reporting mandates that there be no deviation from METROXXXX Format Compliance since, per the XXXX, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data ''. Unfortunately they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in my consumer reports that they have prepared for 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 non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX has violated my consumer rights! They are reporting a XXXX XXXXXXXX Bankruptcy stating my spouse filed it. I have never been married and they have shared this inaccurate information with the credit bureaus XXXX and Experian. They are not reporting factual and accurate information. I have disputed this information with them several times and they are stating PACER is reporting it accurate. I contacted PACER and they do not have a file that says spouse filed anything. I have asked them to remove this information and they have not. They are in violation of METROXXXX reporting requisites per the XXXX  as well as the FRCA, and thus damaging my credit. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and maximum " possible '' completeness 's, which extends to the reporting mandates that there be no deviation from METROXXXX Format Compliance since, per the XXXX, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data ''. Unfortunately they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in my consumer reports that they have prepared for 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 2023-09-01 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX 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 explanation
Consumer complaint received 2023-09-01 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 

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

XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX has violated my rights. 

Credit bureaus reports XXXX XXXX repossessed the loaned vehicle and the vehicle was paid off. This statement is contradictory. 



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 an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I purchased 3 airline tickets from XXXX on XX/XX/2023. I was charged 6 times. I disputed the double charges but only was credited one overcharge. When I contacted credit card ( Synchrony ) they said I only disputed one charge. A new dispute was opened for the other 2 double charges. Charges was cleared after a month or so, then the charges was reversed and they said I owe it. {$610.00} for something I did not receive. XXXX is showing the credit card I purchased airline tickets. But when I call XXXX they tell me they see the problem and will fix it, that it was a computer glitch. 6 months later no results. Now are taking monthly payments out of my 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 monetary relief
Consumer complaint received 2023-09-05 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: FL

Complaint narrative:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX, a resident of Georgia and I am one of the many victims of XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  elaborate Ponzi scheme. I have been working with Agent XXXX XXXX, until his retirement. 

I am trying to communicate with my lender ( Pentagon Federal Credit Union ) that I am a victim of fraud. The vehicle in question is from XXXXXXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX - a XXXX XXXXXXXX XXXX ( XXXX XXXX ) with and price tag {$75000.00} ) is a part of the fraud and that this matter is being investigated by the US Attorneys office in XXXX, GA. 

The case number for the open Federal Investigation involving this matter is XXXX. The agent is XXXX XXXX XXXX ( XXXX ) and his email is XXXX. 

# 1 - Pentagon Federal Credit Union Auto Loan Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Union Home Mortgage Corp
State: IL

Complaint narrative:
On XX/XX/2023 I submitted documentation to UHM for mortgage assistance. 
Loan number XXXXThe UNION HOME MORTGAGE IS THE LENDERXXXX XXXX XXXX XXXX OH XXXX XXXX 
I asked for a break from payments due to having hard time to catch up with my other bills and explained and attached statements showing I have no food or home related bills because I barely can pay for them and UHM stated their response time was 30 days. 
On day 30 I emailed, called they did not respond. Finally someone responded that they are still reviewing my request. That was on day 30.I called on day 31, they still did not respond.I kept on emailing, they kept on creating cases without answer and closing them as resolved.After calling someone on UHM end told me my request was denied without any explanation. 
At this moment, I am left out, purposefully, so I become default.UHM did not review my request or my proofs attached and stopped responding close to deadline so I get late on my payment.I find their practices deceptive and unjust.Soneone needs to investigate them ASAP

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 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: FL

Complaint narrative:
Me and my husband got a loan then it was hacked by the person he did not sign anything. The hacker put the money in. In the meantime the bank said even tho it was hacked we still have to pay it back. The bank name is Synovous. They gave us a new account so we thought things were good come to find out when his SSDI and veteran pay came in the bank took it and won't give us nothing. My husband is a XXXX veteran and needs his money. We both didn't know this was fraud. The hacker is from North Carolina and has been taking people money we found out later. If you can help us it would be appreciated. I have done all I can do and so have my husband. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a letter from Truist card fraud monitoring services and within the letter they state they closed my account. I have never opened a Truist 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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the American Express XXXX XXXX XXXX credit card roughly around XX/XX/XXXX. My application was taking into submission and as of today XX/XX/XXXX I had not received a response. I called them today, XX/XX/XXXX and asked what the status was. They informed me that my application was denied because I had too many recent bank cards. My credit score is Very Good ( it went down XXXX points because of their inquiry and XXXX points because my car lease ended last month ) however despite those 2 factors it is still at XXXX. I have no late payments, I got a new cc in XXXX and one in XX/XX/XXXX that have XXXX balances. All my accounts are current and I have credit cards total. There is absolutely no reason to deny my application. I feel there is a discriminatory reason for the denial. They also claimed they mailed out a letter on XX/XX/XXXX and I have not received a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: TX

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE. 


Do not close my complaint and ask for proof of my identity because all the attached letters have my ID and Proof of Address in it. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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