vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was made an authorized user on a XXXX XXXX XXXX XXXX with a {$25000.00} limit that is not being reported on my credit report. I reached out to the company for them to rectify this issue and was told they only report for spouses. This is inaccurate reporting on my credit report.

15 U.S. Code 1681- Congressional findings and statement of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1611- Criminal liability for willful and knowing violation : Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

XXXX XXXX XXXX XXXX willfully and knowingly are aware of the fact that I am an authorized user on the account and are not reporting it to the credit bureaus which is false and inaccurate reporting. By not accurately reporting they are impacting my XXXX XXXX since a {$25000.00} limit is not present it affects XXXX out of the XXXX factors of the XXXX credit reporting criteria. 

Not Reporting a card with a {$25000.00} limit affects : 1 ) The percentage of credit utilization 2 ) Payment History ( the on-time payments of the primary account holder that should reflect for the authorized user each month ) 3 ) New Credit Mix 4 ) Length of Credit History ( which should have been extended based on the length of time the primary user has had the card ) 5 ) Amount Owed I am requesting that you rectify this issue and start to report on my credit report the accurate information necessary to avoid directly impairing the efficiency and the public confidence of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: GERSHMAN INVESTMENT CORPORATION
State: MO

Complaint narrative:
I did not find out that a cash out refi was being initiated on the mortgage in my name for my residence until I received notification from my credit monitoring company that a XXXX hard inquiry in XXXX months had been initiated. The mortgage is in my name only but my husband is on the title. 

When I contacted the originator of the hard inquiry I was told that my husband had authorized it. When I spoke with him about it he told me that he did not give consent to run my credit. I requested the documentation in my file of authorization to run hard inquiries on my credit report but they have not produced anything and they have simply stated that they have never had this happen before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
Their claiming I owe {$420.00} I don't know where this is coming from and that I need to contact XXXX services on or before XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
To whom it may concern : Re : Deceptive marketing Ambiguous responses Misrepresenting Benefits On XX/XX/XXXX I entered an Apple Store in XXXX, XXXX  to purchase an XXXX. I had no intention of applying for a credit card. As I was getting to pay for my new phone. The sales associate informed me that if I had good credit I could qualify for a card with 0 % interest for 12 months. The response will be immediate, and I can repay earlier. I received an instant approval and the phone was charged to my new credit card. The total balance was {$1200.00}. On XX/XX/XXXX, I went to make a payment of {$240.00}. I then noticed the balance stated that interest would be accumulating in the account as of XX/XX/XXXX if the total balance due was not paid in full. I immediately contacted the customer service department, and they notified me that I qualified for % percent interest, but it will be on a 24 monthly installments set amount. I explained that I wished to pay as the original advertisement was made at the store. I preferred a 12 month 0 % interest with the ability of me deciding how much I pay monthly, and not in a 24 monthly installment plan. The representative told me that was not possible. When I asked for the terms in writing, he said I can only get a reply in writing if I used the text feature ( Please see attached ). The conversation was ambiguous and I didnt not receive a clear answer. I would not have done a credit inquiry nor open an account have I been given the correct terms. This company is misrepresenting benefits and engaging in deceptive marketing practices with the goal of getting a consumer to open an account. I ended up paying the account in full. However, had not been in a position to due so I would have been forced to keep a 24 monthly installment plan. Please look into these deceptive marketing practices. I wish to close the account without any repercussions on my credit score. Thank you in advance for your attention to this matter. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 section 602 A. States I have a 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 with 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 USC. 1681 section 602A. States I have the right to privacy.

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 USC. 1681 section 602A. States I have the right to privacy.

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.

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 2023-01-23 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: FL

Complaint narrative:
XXXX disputes have been sent through the year of XXXX ; and recently still being updated XX/XX/XXXX and XX/XX/XXXX ; as if my disputes and pointing out several violations never existed. This is my last attempt pointing out these inaccuracies before taking legal actions. On ALL XXXX XXXX XXXX XXXX accounts multiple inaccuracies and violations continue to happen on a monthly basis and destroy my credit! 

XXXX ) XXXX XXXX XXXX ( a ) accuracy and XXXX of credit reporting has been violated MUlTIPLE times XXXX ) XXXX XXXX XXXX protection of nonpublic personal information has been violated on multiple occasions. 

XXXX ) XXXX U.S.C XXXX Obligations with Respect to Disclosing Information, I have never received the XXXX disclosure forms this law states I am suppose to have received XXXX ) XXXX XXXX ( a ) duty to provide notice of delinquency of accounts It is to notify the agency of The alleged delinquency date on the account, which shall be the month and the year. IT DOES NOT STATE to CONTINUOUSLY REPORT MONTHLY and yearly! 

XXXX ) Also, according to the IRS charge offs are considered gross and ordinary income and you are to receive a XXXX from any alleged debt that is above {$600.00}, I have not received this for any XXXX XXXX XXXX XXXX account, So why are these alleged charged off accounts still reporting as debt on my credit report? 

These disputes are not to inform if the alleged XXXX  belongs to me it is to point out that these consumer reporting agencies have been in violation on multiple laws and has not been accurate and fair according to the FCRA, and they are allowing these accounts to continue to cause me distress and ruin my credit report! In XX/XX/XXXX, I asked for proof of verification, including the method of communication, documentation used to verify, to whom they spoke with, the date, what number did they call, the creditors address, what position did the person that they spoke with works? That has been longer than 30 days ago and I have yet to receive that! I asked that if they could not provide that to delete all of these XXXXXXXX XXXX XXXX XXXX accounts off of my report because it seems like their reinvestigation is computerized Or just telling me, the information is accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
I'm being approved for the XXXXXXXX XXXX XXXX for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX payment is past due because they aren't applying the payment on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/XXXX XXXX sent the check for XXXX payment. The mortgage company applied the payment on XX/XX/XXXX more than 30 days after multiples calls and emails. On XX/XX/XXXX XXXX send the XXXX payment and as of today nothing is applied in my account. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. Charged late fees and reported to the Credit reporting agencies when in reality the checks get on time to the company. Why if they are sending the payments on time, it is taking more than a month to be applied in my account???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please correct my personal information, including the generational designation XXXX. I don't know why XXXX never added XXXX or why Equifax and XXXX removed it. This is how files get mixed up or merged!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
XXXX sold me a bad vehicle. 

Bridgecrest doesnt want to pay for damage but I am still order to pay XXXX dollars It was also written in the warranty that they would pay for the damages engine trans oil problems etc

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 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: ME

Complaint narrative:
About a month ago, I personally notified -GM Financial a dba under Amercredit- about the notice to rescind, or the confusing term of my car loan that did not mentionned GM Financial as my loan servicer, and was not present while I signed the car loan. 
Legally I have no legal biding contract with GM Financial because they are not my seller-Creditor and the finance charge does not mention Americredit or GM Financial in any capacity. 

I called GM Financial claiming my right to rescind a contract I never signed and claimed my right to petition the court to stop the harassment and violation of Privacy I was being subjected to everyday. 

GM Financial sent me a notice, and intent of repossession on XXXX despite the fact that I told them that I have a XXXX and filed a civil lawsuit under Maine Consumer Protection Laws. 

I had to make a payment on Saturday XXXX to prevent reboot call, harassment, intimidation, and threat of repossession. 

I am seing a Dr at this time due to my underlying XXXX and XXXX XXXX. If this harassment persist I could end up in a Hospital with a XXXX XXXX and XXXX XXXX I would like cfbp to investigate this issu and mediate my complaint to best of his capabilities. The unfair Trade Practice is illegal and I have the right to have my private data protected and my car not repossessed. GM Financial has reported two late payments that have reduce my credit point and cause significant stage of anxiety and emotional distress. 

I never Signed a contract with them and never agreed to have my private date share online without my consent this a blantant violation of Federal and State Consumer and Privacy Laws. 

XXXX XXXX XXXX In XXXXXXXX XXXX is currently looking into this issue because I request an accommodation due to my XXXX XXXX and XXXX XXXX. I don't want my car illegally repossessed. I have already notified the office of Texas Attorney General about this issue. 

The Judge in Superior Court, of the XXXX XXXX of the State of XXXX  is currently conducting an investigation and Will notified the defendant at his earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: PA

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX FCRA Violation : hard enquiry not mine XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: PA

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX FCRA Violation : hard enquiry not mine 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 2023-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION

Complaint narrative:
I am XXXX XXXX XXXX. 
I filed a complaint number XXXX on XX/XX/XXXX. 
PenFed replied on the XX/XX/XXXX. 
But as of today XX/XX/XXXX, I have not received the money from my account, as the communication received ( attached ) states they have processed. 
I am an XXXX XXXX XXXX XXXX veteran living in XXXX and I have a serious need of this money due to the severe increase in the cost of living. 
Please try to help me because both my wife and I have XXXX and we really need this money. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
A Truist Bank official check was sent to me payable to the Estate of XXXX XXXX. I took the check to the XXXX XXXX  XXXX and they issued a Final Order to pay over to XXXX XXXX XXXX Personal Representative ( documents will be attached ). On XX/XX/2023 I went to the Truist Bank XXXX XXXX XXXX XXXX in XXXX XXXX. The representative told me a manager was not there so she called a manager at the XXXX XXXX XXXX which told her she could not do what the Final Order instructed. She emailed the legal department and she told me they said it could not be done. I understand with our large banks this is happening. I'm a XXXX XXXX XXXX XXXX XXXX  and go back and forth with our XXXX services department with these XXXX XXXX XXXX  XXXX orders because the associates are not comprehending. 
Our interstate banks have to abide by the court orders of each jurisdiction they operate in. Please see attached documents. Thanks

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 2023-01-23 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: IL

Complaint narrative:
I disputed XXXX Inquiries from XXXX Bank on my XXXX and Experian personal credit report in XX/XX/XXXX through Consumer Financial Protection Bureau. 
I received an update informing me that XXXX Bank was made aware of the fraudulent inquiries and that they would notify the major credit bureaus to have them removed. The following month XXXX removed the inquires ( with some follow up ) and honestly I forgot abt the inquiry on Experian. So today i noticed that the inquiry is still on my Experian report, so I called Experian today XX/XX/XXXX and explained the scenario and XXXX of their reps explained to me that despite successfully disputing the fraudulent inquiries including notification from XXXX Bank to remove the inquiry from my credit report... he read from some script why they wont do it.

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