vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have 10 student loan accounts that are all reporting as as COLLECTION from XX/XX/XXXX to XX/XX/XXXX according to my credit report. 

This is inaccurate reporting of my payment status, as I've deferred these payments. This should be reporting as " CURRENT '', it is severely hurting my score. 

I have tried to rectify with the credit bureaus and my loan provider with no resolution. I want these accounts investigated and corrected with the correct payment status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Flexible Finance, Inc.
State: CA

Complaint narrative:
Hello my name is XXXX I am filing a complaint because Im getting evicted due flex  loosing my half of rent of XXXX. I tried contacting already flex but nobody reach back to me everything is under email. I paid through flex  XXXX and XXXX in money order. XXXX thats the money that never went through I dont know what happened and Im very worried to stay in the streets I have an XXXX XXXX XXXX  and my XXXX XXXX XXXX kids. I pay my rent on time every month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC keeps sending mortgage bills for a property that we do not own and have never owned or been associated with in any way. 

Even after multiple phone calls they refuse to fix the situation. 

We sold our home in Kentucky in ( the mortgage was held by PNC ) and we relocated to XXXX and now at my new address I am receiving someone's mortgage bill who lives in Tennessee addressed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not request for any fraud alerts

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've consistently maintained prompt payments on this account, ensuring they never fall behind schedule. I'm uncertain about the rationale behind the late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial mistakenly reported late charges to XXXX, XXXX, and XXXX that appear in my and my spouses credit reports. I paid all the monthly statements on time until the last payment due date. We have been told the late payment claimed in the account is related to lease car return fees rather than loan payments. However, it appears in our report as a +120days late monthly loan charge, which is extremely hurting our credit scores. Our understanding is that GM Financial sent a letter in the mail regarding this fee, but we have not received it. There was also no email notification from GM Financials in this regard. We accidentally found this reporting during our regular credit checks and paid in full immediately. However, it still appears in our reports and negatively impacts our credit scores. Although we have reached out to GM Financial a few times, they have not taken action to make corrections to this report. I would like GM Financial to coordinate with all credit bureaus on removing this posting from both my and my spouse 's credit reports and correcting the negative impact caused on the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft, there is some information on my consumer reports that I did not consent to.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I legally changed my full name in spring of XXXX. I recently noticed Experian never updated on its own from my credit card reporting. I uploaded all necessary documents online to update my legal name with Experian and received a copy of my credit report shortly after via USPS, showing the update. 

However, my credit file appears to be split or something now. When I log in to my Experian account online, it shows me my former legal name on the credit report and says I have no credit score, all accounts and history have vanished except for inquiries. I also received an email from Experian stating I have no credit score. 

My credit card is through my bank ( XXXX ). XXXX uses XXXX XXXX, which pulls an Experian vantage score for its clients. XXXX XXXX is now also stating that I have no credit score. My bank and credit card were updated last summer when my legal name change was granted. My credit card is and has always been reporting correctly. 

I have called Experian multiple times during XX/XX/XXXX in attempt to get this fixed. One gentleman I spoke with provided me with a case number. Everyone Ive spoken to seems to think theyll be able to fix it with whatever form theyre submitting but it never happens. This extreme error on Experians behalf is going to cause me to be homeless, as I need my credit ran to secure a new home. This situation has caused me extreme emotional distress. 

I am submitting the paper copy of my updated credit report that Experian sent via USPS showing the name change with my complete and accurate credit history. I am also submitting a screenshot from my online Experian account as it is today, showing my former name, no credit score, no accounts, no history. Lastly, I am submitting screenshots showing that Experian emailed me stating I have no credit score and XXXX XXXX stating I have no credit score. 

This must be resolved 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : Capital one XXXX XXXXXXXX : Capital One XXXX XXXXXXXX : Capital One XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I did not receive statements from ( capital one auto finance ) 21 days before. the due dates for the months of ( XX/XX/24 & XX/XX/24 ). According to the FCRA, 15 USC Code 1681a creditors must send statements at least 21 days before the due date to allow consumers sufficient time to make payments on time. Please conduct proper investigation and provide proof that statements were sent out 21 days prior to the due date. Please provide tracking #.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: American First Finance, Inc.
State: PA

Complaint narrative:
I bought furniture and financed through American first finance XX/XX/XXXX. They told me the interest would be capped to abide by military standards. The interest is over 100 % and they are denying the service member civil relief act to cap at 6 % and give us the difference back. We live in a key provision state, PA so should be eligible for this even if the dance was began while XXXX XXXX. I have been XXXX XXXX since XX/XX/XXXX. Even without that, the military lending act caps at 36 %. They do not answer emails and continue to send documents to the previous address despite my efforts to have them update it. When asked my interest percentage rate they will not answer. Only say that {$11.00} of per diem is being added each day. We have to get this taken care of. I have paid THOUSANDS of dollars for this furniture and want to resolve this. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX I was charged an annual fee. I closed the account on XXXX and requested the fee be waived as I will no longer have use for the card. They refused to waive the fee and said i should have closed the card before the annual fee was posted. However, no notice was sent before the fee posted. The annual fee is paid for the benefit of using the card this year and since I won't be using it, it should be waived. I was lied to that they never waived the fee in the past. I have had this card in the past and they did waive it. I believe that since the CFPB adopted the new XXXX dollars cap on late fees, Penfed is trying to make money by not refunding junk fees. I am asking for a refund of XXXX dollar annual fee. Also recommending CFPB to review how Penfed is trying to make up for lost revenue due to losing billions in late fees.

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 2024-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I moved out of XXXX XXXX in XX/XX/XXXX. When I turned my keys in, I asked how would I pay the utilities bill for XXXX ( it was always due with the next month 's rent ). I was told to login and pay on the portal. I couldn't access the portal because I was no longer a resident. They then gave me an email to reach out to. I was told my account information was still being processed ( in XX/XX/XXXX ). 
Then XXXX turned to XXXX and I still hadnt heard from the company. I reached out on XX/XX/XXXX but didnt receive an answer. Finally, I received my returned move-in deposit in the mail a few days later. It was my original {$500.00} with the utilities taken out. They finally processed my payment by subtracting it from my deposit. I was so thankful to finally be done with the company. 
Then in XXXX of XXXX, I was reached out by a debt collector from Genesis. I responded the very same day explaining the situation. I gathered documentation and sent in my appeal the very next day. I have tried emailing and calling multiple times since then. The collections company refuses to respond to any of my emails, but every so often I receive an email with a new statement balance as the interest increases. 

It is now XX/XX/XXXX, and I am still dealing with this company. I moved out a year ago and am beyond frustrated that they are still causing me grief when I dont even live there. The collections company wont respond to my emails, and my credit has now been impacted by the incorrect collections account. I have tried disputing the debt with the credit bureaus too, in vain. I am at a loss and dont know what to do. I do not owe this company anything. 

Attached is my proof of my returned deposit cheque with the utilities subtracted. Also attached is a few of my email attempts to the company to appeal/resolve this debt issue. They have not responded to any of my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts. [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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. 
Check the attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: MI

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Late payment reporting In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

Unauthorized Inquiries I have noticed unauthorized inquiries on my credit report and would like it removed. According to the FCRA, this unverified and unauthorized item must be removed. I would not like to have a freeze on my account it is not necessary I will freeze my accounts myself.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not request for any fraud alerts

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
please update all late payments to PAID ON TIME OR AS AGREED 15 USC 1666B SEE ATTACHED DOCS

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I transferred {$1500.00} from Cash App to XXXX XXXX XXXX. last 4 of debit card number : XXXX retrieval reference : XXXX. After a few attempts to communicate about the recovery of my funds XX/XX/XXXX XXXX XXXX Cash app did not recover my funds, or attempt to transfer the funds back into my account. XXXX reported no funds had transferred, this was also the same employer who stole over {$30000.00} in unpaid wages earned. I made reports to them in XXXX and XXXX and they retaliated and harassed me for not accepting low wages and failed to compensate me for an injury sustained during a delivery pick up that was no fault of my own. 

Further more XXXX disconnected my account for a false pending criminal offense that was dismissed long before my delivery driver criminal background check was due for recertifying. I showed them proof of their error and they refused to acknowledge my evidence without a reasonable cause or statement. They were utterly satisfied with locking my delivery driver account so I couldn't put in a claim notice of stolen wages. They made up a false report to further hide the entitlement to my wages claim. They acted with fraudulent intent to defraud me and wrongfully terminated my driving position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief