vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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: AZ

Complaint narrative:
My name is incorrect on my Equifax account. I had a name change in XXXX. XXXX and XXXX were able to update my accounts. I found out that Equifax had not when I applied for a pre-approval mortgage letter from XXXX. 

Friday XXXX @ XXXX PT : Called Equifax to determine the issue since they were unable to verify my identity over the phone. Discovered that they have the wrong name and address on my account. Discussed with an Equifax agent over the phone and they recommended that I submit a dispute. 

Friday XXXX : Submitted a dispute online and uploaded utility bills for the address, and copies of my social security card, driver 's license, passport card, and name change court order for documentation. 

Saturday XXXX : Received a decision electronically from Equifax, which stated : " We have reviewed the identification information. The results are : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. '' Called Equifax on XX/XX/XXXX @ XXXX PT : Called Equifax customer support. I was told by an agent that they received my documents, but would require me to write them a letter explaining the change with copies of the above documents. They stated that this must be sent via mail or Fax, which contradicts the procedure outlined on their website : https : //www.equifax.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank offers a Visa travel credit card that is promoted to offer a statement credit on the purchase of global entry. We called the credit card number provided after a few months of not seeing the credit. We were told although they weren't familiar with this, that generally it takes three billing cycles. So,, we waiting a few more months then went into our local branch. The representative pulled up the disclosure and could see it was offered, and that we had not received it. She then called the CC department and got an even bigger run around! Not only was the gentleman unfamiliar with the offer but he was not interested in helping us, and claimed he couldn't even see our purchase.

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 2023-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
In XXXX, 2023 the consumer completed an online credit application with First Financial Bank and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Furthermore, First Financial Bank has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because First Financial Bank does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), First Financial Bank actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and 15 U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer. On the online credit application by First Financial Bank, the consumer provided two ( 2 ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. First Financial Bank sent a letter of " Adverse Action '' to the consumer stating that First Financial Bank stating the description of the action taken as DECLINED. Lastly First Financial Bank fails to comply with Ohio Revised Code 4112.021 which prohibits discrimination against consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
In late XXXX of 2022, I had XXXX come out to my home in order to install a new air conditioning unit. 
I opened an account with them to finance the item, and the agreement was that the unit would be purhcased and installed. 
After the installers left my home, I noticed that there was nothing hooked up. No connections, and no hoses were properly installed on the unit. This was in the middle of the summer, and because of this I had to make arrangements for my children to stay somewhere else because the home was too hot to comfortably stay in. 
When I reached out to XXXX to get them to come and finish the job/install the unit correctly, they told me no and they began reporting the debt on my credit report as an active account with Synchrony Bank XXXX SYNCB/XXXX on credit report ). 
I explained to them that my agreement was for the installation, and that it was unethical for them to request payment when they did not do the job they were supposed to do. 
Because they continued to refuse the service they had agreed to, I was forced to hire and pay for a third party contractor to come to my home and finish the installation job.

They are effectively ruining my credit score by reporting late payments/first month default month over month on an account that does not reflect the agreement of services.

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 2023-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUN LOAN COMPANY INC.
State: NV

Complaint narrative:
Sun Loan of XXXX XXXX, NV off XXXX XXXX has been repeatedly calling me all 7 days a week, sometimes twice a day and calls from their personal phones. But here is my issue in dire specific : They chose to call my parents, who are not on the references list. With this being my second loan from them, references staying exactly the same with updated addresses, they chose to violate my privacy by calling family members who are not on my references list, nor, according to both my parents, never received a call from them from my first loan when that loan was past due like this one. Interestingly, because I've actually answered them and gave my explanation, to implore negligent debt calling tactics to where not one of my references received a call, let alone an actual voice-mail like they did today on my mother 's phone and my uncles phone but not my phone, nor any of the references i have listed, not once, is gross negligence for any company to do. Considering, again, this being my SECOND loan from Sun Loan XXXX XXXX XXXX XXXX off XXXX XXXX, this debt collecting tactic is unacceptable and I will pursue legal action. 

( Some would ask : How do you know its their personal numbers? Well, when it's XXXX and ALL phones now come with scammer warnings and personal cell phones do not have that for people you don't know but can only be for landlines in that case and so this leads to an accidental phone answering, who is it on the other line? Of course it's them because they knew you would pick up a call by a phone number that's a personal number that resembles a number close to yours or the store number. So yes, what Sun Loan is doing for debt collecting is illegal. And again, especially since this is my SECOND loan. So whatever tactics these are, they are DEFINITELY illegal. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.

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 2023-04-11 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: AES/PHEAA
State: WA

Complaint narrative:
FedLoan has 2 loans listed on my credit report that are held by XXXX now. They refuse to remove even after submitting a dispute through XXXX XXXX to have them removed due to them being duplicates. I have attempted to call FedLoan directly but there customer service number just disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CA

Complaint narrative:
In accordane with the fair credit reporting act XXXX account CREDITOR / COLLECTOR : XXXX IXXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account : XXXX  BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX  Account Number : BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX - XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / XXXX XXXX XXXX Account Number : XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account XXXX XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$610.00} The Credit bureaus stated my account was properly investigation but how is that possible is the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 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. 

Also the credit bureaus took more than 30 days to complete my investigation

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 2023-04-11 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: GA

Complaint narrative:
I don't why it happened but I know for sure that this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I don't why it happened but I know for sure that this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this 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 2023-04-11 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: MD

Complaint narrative:
I am writing concerning inaccurate negative reporting on my credit reports from XXXX XXXX. As of, XX/XX/XXXX, my Transunion and XXXX reports reflected that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the XXXX  APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with XXXX XXXX. I have email confirmations of my payment schedule and payoff dates from XXXX XXXX  to confirm. I have attempted to dispute this inaccurate infomation with XXXX and Transunion, and I have contacted XXXX XXXX via email to resolve this issue. XXXX XXXX refuses to remove the inaccurate reporting from my credit reports. As of XX/XX/XXXX, XXXX has updated my credit report to reflect the correct infomation, ( account paid satisfactory ), as a result of my dispute. I was never late on this loan, and my XXXX report now reflects this. Transunion needs to hold XXXX accountable for not honoring their agreement to reschedule my payments just as XXXX held them accountable.

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 2023-04-11 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: MD

Complaint narrative:
I am writing concerning inaccurate negative reporting on my credit reports from XXXX XXXX. As of, XX/XX/XXXX, my Transunion and XXXX reports reflected that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the XXXX APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with XXXX XXXX. I have email confirmations of my payment schedule and payoff dates from XXXX XXXX  to confirm. I have attempted to dispute this inaccurate infomation with XXXX and Transunion, and I have contacted XXXX XXXX via email to resolve this issue. XXXX XXXX refuses to remove the inaccurate reporting from my credit reports. As of XX/XX/XXXX, XXXX has updated my credit report to reflect the correct infomation, ( account paid satisfactory ), as a result of my dispute. I was never late on this loan, and my XXXX report now reflects this. Transunion needs to hold XXXX accountable for not honoring their agreement to reschedule my payments just as XXXX held them accountable.

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 2023-04-11 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: AZ

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: ME

Complaint narrative:
The CBE Group mailed a debt collection notice for {$1000.00} from a mobile phone account that I never had. I called and they told me to reach out to XXXX. They confirmed that they had no debt on file and that they dont work with CBE Group XXXX I relayed this information to CBE and they told me I have to submit paperwork to prove the debt isnt mine. I cant submit anything because the account was never mine. And they wont send me the original bills from XXXX to verify this is a legitimate claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The credit bureaus have been playin scare tacted games to the point they lie and dont even want to dispute or remove inaccurate accounts that seem to misleading all creditors when i try to apply for credit i get denied because of the mislreading and inaccurate the credit bureause report. I have sent letters and even faxed asking and showing proof of how they are violating my consumer rights. Then they will respond to the CFPB like they are following the laws and consumer rights. I have several upload and document to show and prodd what they send me when i request for accounts to be removed or verified correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit bureaus have been playin scare tacted games to the point they lie and dont even want to dispute or remove inaccurate accounts that seem to misleading all creditors when i try to apply for credit i get denied because of the mislreading and inaccurate the credit bureause report. I have sent letters and even faxed asking and showing proof of how they are violating my consumer rights. Then they will respond to the CFPB like they are following the laws and consumer rights. I have several upload and document to show and prodd what they send me when i request for accounts to be removed or verified correctly.

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 2023-04-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act Experian 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.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
They claim I owe {$290.00} and I have received text correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. No verification of identity was given. I believe this is a scam. They claim to be the law office of MBA with the contact information XXXX and the website https : XXXX for a form of payment.

Company response to consumer: Closed with non-monetary relief