vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this new complaint due to the results from the last complaint and the error was not corrected. I am submitting this in hopes Of XXXX XXXX to reverse late fees that were being reported on XXXX XXXX XXXX XXXX XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX I have a great payment history with XXXX XXXX and do not recall ever being late. XXXX XXXX is reporting XX/XX/XXXX and XX/XX/XXXX as both being 30 days past due with is inaccurate reporting. It is the duty of the CRAs to ensure all information is being reported correctly. 

Furthermore, the CRAs stated the company sent proof that the payments were accurate and verified which I have yet to receive any documentation and or proof. I am hoping I can resolve this matter with XXXX XXXX. As a courtesy I am asking that the late payments be reversed as paid as agreed and they are hindering me from getting approved for other credit.

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

You have failed to follow the laws and provide proper documentation in regard to the validity of these late payments. If I can not get these its reversed to paid as agreed my next course of action will to submit a complaint with the attroney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: SC

Complaint narrative:
I am submitting this new complaint due to the results from the last complaint and the error was not corrected. I am submitting this in hopes Of XXXX XXXXXXXX  to reverse late fees that were being reported on XXXX XXXX XXXX- XXXX XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have a great payment history with XXXX XXXX  and do not recall ever being late. XXXX XXXX is reporting XX/XX/XXXX and XX/XX/XXXX as both being 30 days past due with is inaccurate reporting. It is the duty of the CRAs to ensure all information is being reported correctly. 

Furthermore, the CRAs stated the company sent proof that the payments were accurate and verified which I have yet to receive any documentation and or proof. I am hoping I can resolve this matter with XXXX XXXX. As a courtesy I am asking that the late payments be reversed as paid as agreed and they are hindering me from getting approved for other credit.

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

You have failed to follow the laws and provide proper documentation in regard to the validity of these late payments. If I can not get these its reversed to paid as agreed my next course of action will to submit a complaint with the attroney general.

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 2024-05-08 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Penfed credit union adjusted my loan payment amount from {$590.00} - {$150.00} XXXX the account representative made a mistake with the quote. I made all the {$150.00} payments on time. Penfed reported the payments as late since they wanted {$590.00}. 

I reported Penfed to Consumer Finance and received a prompt letter from XXXX XXXX XXXX President of Collections who said that my account would be made current. 

Yet the letters I received from Penfed Credit bureau specialist XXXX XXXX and XXXX XXXX refuse to contact the credit bureaus to resolve This has been going on for over a year now and XXXX XXXX and XXXX XXXX do not offer a direct contact method. When i call Penfed the agents try to send them messages to no avail. 

Attached are the documents supporting my case. 

XXXX has damaged my credit worthiness through no fault of my own.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
For the longest time I have been paying my Fortiva credit card and I noticed it never ever changed. They were just taking my payments and I found it strange nothing was updating. I was going through a rough time so I could only pay the smallest amount possible. A few days ago I message them asking when am I going to be able to use my Fortiva card again and they had the nerve to tell me I CAN NEVER USE MY CARD AGAIN AND THEY CLOSED IT LAST YEAR. They never thought to let me know?! Because I was never told that they would be doing that to me! I have steadily been paying this card off thinking Im going to have use of it for them to just play in my face - that is NOT cool or fair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
the company stop answer phones. never sent paper work with my signer or showing me any information with my personal information. nor didnt send me information they sent to charger off person the sold contract too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
XX/XX/XXXX Good afternoon CFPB- Consumer Financial Protection Bureau Complaint Dept. , How are you? 
A friend shared your website with me yesterday and I came across this information regarding Lexington Law Class A & B Civil Penalty Fund : Consumer Education and Financial Literacy.

One class of consumers received an allocation of {>= $1,000,000}. These are certain consumers who made a payment to Lexington Law or XXXX from XX/XX/XXXX through XX/XX/XXXX. This allocation covers 100 % of eligible consumer harm. 
Lexington Law Class A {>= $1,000,000} Lexington Law Class B {>= $1,000,000} I paid for Lexington Law Services from XX/XX/XXXX XX/XX/XXXX. Below you will find one of the individuals that I emailed and a screenshot of all the emails from XXXX XXXX from Lexington Law firm. 
Are there any more Civil Penalty Funds available? 
Please advise if Im privy to any of the Civil Penalty Funds : XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX from Congress to provide relief monies from companies that have broken and breaking federal consumer financial protection laws. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: TX

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccuracies found on my credit report. The discrepancies involve inconsistent Date of Last Activity, Unknown Collection Agency, Unauthorized inquiry and incorrect account information such as address. 

This inaccurate information is negatively impacting my credit score and financial well-being. I request that the CFPB intervene and assist in resolving this matter promptly.

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 2024-05-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccuracies found on my credit report. The discrepancies involve inconsistent Date of Last Activity, Unknown Collection Agency, Unauthorized inquiry, and incorrect account information such as address.

This inaccurate information is negatively impacting my credit score and financial well-being. I request that the CFPB intervene and assist in resolving this matter promptly.

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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: QC HOLDINGS INC
State: VA

Complaint narrative:
I received a call today at XXXXXXXX XXXX from XXXX, XXXX at LendNation, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, XXXX. And this is one of many stating that I filled out an online loan with them. I never did, nor do I do this type of thing. She said they have me on file which means I've done business with them or an affiliate before. Not me. I explained to her it's not me, it's my ex-husband. He's been doing this since our divorce he asked for, but got upset with me because he had to pay me XXXX XXXX. I've been divorced for 10 years, and fighting for my name and personal information back all of this time. I asked her to contact the police and file a report and obtain the IP address of where that online application came from and I can prove it's him. His current telephone number was given to me a few weeks ago because he contacted someone I know very well saying where he was, in XXXX, TX, in an attempt to find out where I am. She wanted to alert me just in case anything went down because she knows what I go through with this person. This has been going on non-stop since XX/XX/XXXX, which is when I filed the original FBI Report because he tried to get a home, a XXXX, and multiple Payday Loans in my name. I'm currently in hiding and must have protection on all of my accounts. XXXX refused to give me her last name, but tried to obtain information on me. I only verified what she had about me, but I don't deal with places like this, so here I go again for the third time since XX/XX/XXXX. I've been in and out of court multiple times by these people suing me for monies I've never filled out for nor received. He has an unidentified female accomplice who sometimes poses as me and they even changed my address at one point to obtain a XXXX account and phones. I had a horrible time getting that removed from my credit records and proving to them it wasn't me. These are always coming out of either XXXX XXXX XXXX or XXXX He apparently provides them with an address that's 10 years old with my email address and my telephone number. XXXX called because she said there was something she needed to check. I immediately let her know to report him to the police and why. She said she's more than happy to talk to the authorities about this situation and she's gon na report it as fraud. Let me be clear. There was no Category for this type of complaint ; therefore, forgive me for stating I was approved and didn't receive the money, as I've NEVER applied for anything such as this. This is the only way to process this report right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
This account is paid in full and is still reporting negatively on my credit report.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: MN

Complaint narrative:
I got a call from XXXX claiming to be a third party to " XXXX XXXX '' telling me to call them so i can be served legal documents to a sealed case that has been brought against me. So i called " XXXX XXXX '' XXXX I was put on the phone with someone who claimed they are going to sue me for a debt from and overdrafted bank account i closed in 2008. Claiming i owe them over {$3000.00} dollars. i have recieved this phone call in the spring time for about 9 years now. they claim i over drafted my bank account for {$5.00} and I have been sworn at, i have been treatened, i have been bullied over these years and would like to stop! I want to see these scammers put away!

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 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Im begging you please remove this to the credit report

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 2024-05-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I am reaching out to address the following incorrect information provided below. The items listed on this letter have been falsely reported to my credit reports. The accounts listed are incorrect and Id like them to be removed due to the inaccuracies. I am a victim of Identity theft and the accounts listed below are unrecognizable reports. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am respectfully requesting the removal of the items listed below that are reported in my credit reports. Please advise. Thank you in advance for your efforts. Take care.

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 2024-05-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I am reaching out to address the following incorrect information provided below. The items listed on this letter have been falsely reported to my credit reports. The accounts listed are incorrect and Id like them to be removed due to the inaccuracies. I am a victim of Identity theft and the accounts listed below are unrecognizable reports. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am respectfully requesting the removal of the items listed below that are reported in my credit reports. Please advise. Thank you in advance for your efforts. Take care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have had a COMENITYCB/ULTA account XXXX XXXX, for the most part I have had excellent payment history. I see I have late payments being reported on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. I am unaware as to why these payments were reported late. I do not recall submitting the payments late. I am not blaming this is on COMENITYCB/ULTA, XXXX simply do not recall what transpired for these late payments to occur. I am asking as a courtesy for all or some of the late payments to be reversed as pai as agreed. Or for at least the most recent late payments XX/XX/XXXX, XXXX and XX/XX/XXXX to be reversed as paid as agreed. 

The late payments are hurting my credit profile tremendously and is stopping me from getting the best possible interest for a new home. I spoke with the CRAs in hopes of getting help from there in regard to this issue. They stated the company has the ability to reverse late payments and they suggest I reach out to the company directly. I am asking as a courtesy and a as a customer with a decent payment history is there something that can be done. Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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 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 accounts : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Name - XXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief