vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Hi... My name is XXXX XXXX my XXXX XXXX XXXX have an account with synchrony Bank care credit .... because of fraud at my bank and report late payment I never had .... This lender look at my credit which is normal and see me and my father has dropped in score because of the XXXX XXXX crazy stuff they did .... It caused Synchrony dropp mine and my father credit limit from XXXX to XXXX dollars which that is damaging... And to me unfair .... I had XXXX on XXXX... I though the whole purpose of have a card is to have it for emergencies .... we haven't abused a d never late... .The cares act is ineffective when they can cut a limit for me not being in default or problems with them... I was told that they was sorry for accidently making my pay.ent late .... but at the time I or my father knew our limit was cut till at the end of call she mention I believe XXXX balance of XXXX I used XXXX for glasses .... I do t understand how u give a bank everything u have and in a time of need... they cut you for no reason .... they knew about the fraud .... The XXXX is handling it I guess but I but a report to ftc ... and DOJ Civil rights division and I did one with you guys with respect of regulation and authority .... I sent a warning to CRA .... and they failed to send it to the creditors ..... This is ridiculous... ridiculous .... I need help went from good credit till bankruptcy in matter of 6 months with good payment history ... .besides the fraud... but that. An take time... .I know I ca. Never get ahead because of idtheft ... .if it ain't t a stranger it's your family or friends ... .. Syncrony Bank should take a moral issue and stand for what's right... That putting me my wife kids and father who is XXXX yr old vet that's had open credit limit that ain't been touched .... It makes no since .... Synchrony Bank take a Ethical and Moral stand ... .. We pay and we victims and still pay .... but XXXX no late payment and we quailify XXXX coming out of my account .... I paid you XXXX that when on dog passed away no included the other ..... Remember Synchrony ..... I and my father was with yall si ce XXXX XXXX not a late payment nor default .....

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 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GATEWAY FIRST BANK
State: OR

Complaint narrative:
Last XXXX my wife, XXXX and I ( XXXX ) received the document from the Gateway mortgage of XXXX, Texas for the first time for what reasons, we did not know. Then some- time later her second elder son, XXXX said that the Gateway mortgage agency wanted to know all about his parents and their finances without our knowledge and our per-mission. They argued that it was just information in the Gateway Mortgage wanted to know. Why? What's more, they had said nothing about the co-signers - that's - XXXX may have expected us to get involved in their affairs as I had suspected at first. So many months had passed until last Monday the Gateway mortgage mailed the documents in which they expected us to be co-signers. Such documents ( some of them that I did not understand, and I did frankly tell XXXX that I was not sure of what I did not understand. But XXXX used his forceful request for us to sign so quickly and mail them to the Gateway Mortgage before the coming Friday. We are retired, and XXXX is XXXX XXXX XXXX and I am XXXX XXXX XXXX. What's more, we are XXXX  since birth. Your website said : " You do not have to sign such document, as mortgage if you do not understand. '' That is a relief for us. I need your help on this case. It's because we are prepared to move out of apartment soon because of increased rent in which we could not afford. We plan to move to the assisted living site somewhere in XXXX, Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} , U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX XXXX {$610.00}.

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 2022-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
After numerous attempts in And complaints through The CFPB and disputes through trans union I finally have been able to Confirm that And then cleared of The debt owed. XXXX XXXX in CT As confirmed my Health insurance was active back when debt occurred And are to be billed for the money, The result of this debt has caused me to have a derogatory report with Transunion As well as XXXX While XXXX has removed the Derogatory mark About XXXX XXXX years ago Transunion still Hold it As true. Attached please find the written letter from XXXX XXXX Admitting to the error end also requesting that Trans Union remove this from my credit report 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 explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} XXXX U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX Balance {$610.00}.

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 2022-08-10 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: GA

Complaint narrative:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX HABITAT XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} , U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX Balance {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX  Inquired on XXXX XXXX XXXX XXXXXXXX Inquired on 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 2022-08-10 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: GA

Complaint narrative:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: OK

Complaint narrative:
I want to place complaint about Experian credit services I have been a victim of identity theft several times even according to there own monitoring services my information is all over the dark web and I have been involved in numerous major data breach instances. XXXX, XXXX XXXX, XXXX just to name a few around XXXX of XXXX I realized I have been targeted again I had been XXXX  for a few years and did not realize till my release when I started to get collection notices that's when I ordered my report from Experian and realized there has been over 10 accounts and numerous credit cards, loans and even unemployment identity theft. I went to to the XXXX XXXX XXXX and they sent a unit out to my house to make a report I had listed all the accounts that we're currently listed on my report Experian was quick to respond to the identity theft report and blocked a majority of the accounts however there are 5 accounts that are still being reported by Experian that were individually listed my name and account number in the police report that I had sent to them via certified receipt U. S postal service the following accounts were listed in my signed dates police report that I submitted to them in XXXX XXXX XXXX XXXX opened in XXXX {$1400.00} XXXXXXXX XXXX opened in XXXX XXXX XXXX opened XXXX {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX opened XXXX {$500.00} XXXX loan opened XXXX  {$1200.00} These came back as verified there is no way that those are my accounts I had also included and verified in the police report by the officer that took the report a letter on prison letterhead written by a prison staff and sign ed and dated letter concerning that I was in the XXXX XXXX XXXX XXXX at the time the accounts were opened. Further more those accounts came back verified and it wasn't till XXXX XXXX just a few months ago Experian had the wrong last 4 reporting for me not that it had my social and another similar it was completely wrong till I disputed in 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 2022-08-10 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX XXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}

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 2022-08-10 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX XXXXXXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}

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 2022-08-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX  XXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXX Balance {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXXI XXXX XXXX V ) XXXX Balance {$470.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} ; XXXX XXXX  XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : 06 XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-10 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance {$1200.00} ; XXXX XXXX XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX DBA XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : 06 XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation