vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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 XXXX Account # 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 an 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 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA

Complaint narrative:
Cardinal financial through its agent XXXX XXXX bullied and intimidated my husband and I and tried to convince us to sign documents that were different from the disclosures we were given. When we did not sign the incorrect documents, cardinal unnnecessarily delayed our loan and XXXX XXXX called me and yelled at me telling me he did not appreciate me telling him it was illegal to send me documents for closing that were different from the disclosures I signed just the night before. XXXX XXXX was a rude and belligerent bully. I am XXXX and my husband required XXXX care for XXXX. And cardinal tried tricking us into signing the wrong documents. XXXX XXXX told me to sign the incorrect forms and I have XXXX days to cancel the loan if cardinal does not fix the loan documents. When I refused, XXXX XXXX got angry. 

The original loan closing was on XXXX XX/XX/2022. I approved the disclosures the night before. When the notary arrived at XXXX on the XXXX, the documents she had were different than the ones I signed. I called XXXX XXXX and he said just sign the documents because I have XXXX days to revoke the loan. I refused to sign incorrect documents. XXXX XXXX called me the next night very angry that I told him its against the law to change the disclosures and that there are laws to protect the elderly and XXXX from what XXXX XXXX tried to do to my husband and I. 

Despite XXXX XXXX claiming that the corrections to the closing documents were a quick and easy fix, it took Cardinal Financial until XXXX XXXX to complete my closing papers a second time. This time, cardinal scheduled the close, but the title company claimed they could not get the documents ready in time and they tried to reschedule the closing until later in the day. Because my husband is XXXX, the changing schedules put a lot of strain on him. 

The night before the second closing, XXXX XXXX asked me to go into the online account and approve the disclosures. There were XXXX sets of disclosures. XXXX of the disclosures were incorrect. I was confused so I emailed XXXX XXXX telling him the disclosures were still wrong. XXXX XXXX berated me for not being able to find the disclosures with the correct numbers. He asked me to sign all three sets of disclosures and I refused to sign the incorrect disclosures. He got angry and flippant with me. 

This was a horrible experience and I repeatedly felt bullied by XXXX XXXX to sign incorrect documents. We all make mistakes, but expecting elderly people to sign incorrect documents because loan processors make mistakes seems grossly unfair and I can not believe cardinal finanacial and XXXX XXXX are allowed to act this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: IL

Complaint narrative:
n accordance what the fair credit reporting act convergent Account wow services has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what the fair credit reporting act XXXX  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 : its also says a consumer reporting agency Can not furmish 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 2022-04-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CA

Complaint narrative:
To whom it may concern, The consumer reporting agency continues to report a fraudulent and inaccurate account to my credit report!!! 
ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete this account 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 non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX please see the attached documentation enclosed pertaining to my Capital One account. I have made those payments and have attempted to make those payments to which I also called in to speak to a representative regarding these late payments. This issue and fault is on their end regardless of what I am trying to go for a home and these late payments are severely ruining my credit I need this fixed. I attempted to pay and never received any notices as well as had auto pay on while I was in the process of moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TN

Complaint narrative:
I have notify the credit breau experian regarding this information about fraud and nothing has been done

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 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I'm writing this complaint and there is no third party involved. 



To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. 



Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Zero out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 



3. Deletion from all consumer reports. 



4. Delete all my personal information from your company. 



I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return this completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 



Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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 2022-04-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank I missed XXXX payment because of family member got XXXX. It cause my credit core XXXX to XXXX. I missed only XXXX payment. Wells Fargo bank XXXX XXXX. 
I bought XXXX with 3 years XXXX percent interest. 
My credit score went down from XXXX to 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 monetary relief
Consumer complaint received 2022-04-06 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: NC

Complaint narrative:
XX/XX/XXXX : Experian finds that the Bankruptcy on my XXXX Report has been verified by the Courts of XXXX as they are the data furnishers. 

XX/XX/XXXX : Bankruptcy courts state the following : The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus. 

XX/XX/XXXX : XXXX finds ; Re-investigation results : In response to XXXX XXXX complaint filed with your office, XXXX removed bankruptcy record case number XXXX from his XXXX file. A resolution letter along with an updated consumer report has also been mailed to XXXX XXXX for his review on XX/XX/XXXX For this dispute, XXXX contacted the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - ( XXXX ) XXXX XX/XX/XXXX : Experian states the following : Public Records Information If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visit XXXX XXXX XXXXXXXX.

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 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
FIRST POINT COLLECTION RESOURCES INC. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : FIRST POINT COLLECTION RESOURCES INC. 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX, is authorized to administrate ( acting trustee ) on the XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the { XXXX XXXX }. Courts require your contract for jurisdiction. 
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 
If you lack understanding of this paperwork, forward to your ATTORNEY. 
govern yourself accordingly. 
By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 2022-04-06 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: Synovus Bank
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX and I am complaining about the 1stprogress/XXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: SC

Complaint narrative:
I have contacted Equifax numerous times to remove and or correct inaccurate information on my credit report. I am a victim of identity theft and this is defamation to my character as a business owner and consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
TRUIST Bank Issue : I went to TRUIST BANK XXXX location today to deposit a {$3700.00} check to my fathers account who lives overseas. They told me theres a problem with his account so they couldnt deposit the check or do any type of transaction on their end since there was a problem with his account. I told them I would go to another branch to try and solve the problem, but they said they can not solve your problem either, he needs to come to the bank in person. But meanwhile they already put the deposit stamp on the back of the check. 

I went to XXXX XXXX location to explain this problem and ask for help. XXXX at XXXX XXXX location told me theres NO PROBLEM with my fathers account and she deposited the check immediately without any problems. 

I am wondering why the TRUIST bank XXXX location tellers ( two ladies ) gave me such a hard time and told me that theres a problem with the account. It was very upsetting to have to drive all the way to find another branch. I was expecting the tellers to be more professional and do a better job. 
I will also call XXXX location again ( theyre not answering the phones its only messages ) and try agaib to talk to someone and tell them about the unprofessionalism of the people who work there.

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 2022-04-06 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: LEXISNEXIS
State: LA

Complaint narrative:
I XXXX Bankruptcy in XXXX XXXX ( XXXX ) and I had it dismissed. LexisNexis sent my bankruptcy dismissal to XXXX, XXXX, and XXXX I went to the courthouse here in XXXX XXXX La. I was told that the court do not sell or give out that information but it is public record. So how did the three bureaus get my information. I sent the letter that the courthouse gave me to LexisNexis after 30 days it was remove by XXXX, but the other two bureaus XXXX and XXXX still has the dismissal as a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-06 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: NE

Complaint narrative:
I disputed a debt being reported on my credit report and instructed TransUnion that I am not familiar with the debt, the company reporting the debt ( XXXX XXXX. # XXXX ) and have not done business with the listed original creditor XXXX XXXX. 

I requested an investigation into the incorrect information and requested some form of signed documentation that the account being opened in my name and social security number had been authorized by me. I did not receive any form of documentation from either TransUnion, XXXX XXXX. or XXXX XXXX, I do not feel this request is exceeding my legal rights under federal law, if no one produces documentation, then what prevents a company from falsely claiming a debt is owed and just reflecting it on your credit report. 

I would like to have any signature obtained supposedly authorizing the original account to be opened, examined by a professional recognized by the XXXX XXXX Nebraska XXXX XXXX, as I did not authorize an account be opened and I want to have the signature compared to my years of signatures. 

They failed to obtain documentation and only informed me that the debt had been verified as accurate and never produced documentation to substantiate the claim that the debt was/is valid. 

My next step if it is not corrected thru this process will be to file a complaint with the F.T.C. for the failure of TransUnion to maintain only 100 % accurate information within my Credit Reporting File.

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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi, My name is XXXX XXXX I have a delinquent capital one account reporting delinquent on my XXXX credit bureaus that I never received or even applied for. I need this removed from my credit ASAP! I called in to dispute this account as soon as I found out about it but at that time the account was past due and in deep collection. I was in the process of moving homes and the address that the card was supposedly sent to I wasn't even living at the time! I need this delinquent account either removed from all XXXX bureaus or update to on time and upstanding as it is severely ruining my credit as I am trying to go for a home loan. Also I didn't even apply for this account in the first place! Please see the attached documentation.

Company response to consumer: Closed with explanation