vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
i was trying to make payment on line for 3 days and called numerous times all they told they will put ticket on the problem and i will receive a email and phone call have not received now it show me late when i tried for 3 days to make payment i am very confused for them not helping me and wait for such long time when i am trying pay off the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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:
XXXX and Equifax are housing fraudulent hard inquiries that do not belong to me. I have been trying to dispute them off but they are not listening I have reached out to the companies along with filed a FTC complaint these hard inquiries need to be removed or every incorrect one is a XXXX dollar fine and I will seek legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

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 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: LA

Complaint narrative:
My phone was stolen and they were transformers and withdrawals on my account. I did not recognize once I got a new phone, my cash app account and my account and reported transactions, and they close my account saying that I went against their terms and services, and that they can not provide me with any other information, I have with cash app for doing my business. Use my cash app for my tax and all this is my main business account that I get my income through and it has tremendously slow my business down with no explanation. Someone stole my phone access to all my accounts supposedly if I inform my banking time, they would do something to fix it not something to make me worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
To : Bank of America Remediation Department From : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IN XXXX Date : [ XX/XX/XXXX ] Regarding : Incorrect Check Amount and Unfulfilled Reimbursement of {$5000.00} Dear Bank of America Remediation Department, I am writing to formally address a significant issue regarding a check issued by your institution. The check, dated XX/XX/XXXX, was intended to reimburse me, XXXX XXXX, for a previously unresolved matter. The original amount was supposed to be {$5000.00} USD. However, the issued check erroneously stated an amount of only {$0.00}, as indicated on the checks memo line No Memo ( Closure ). This discrepancy suggests a failure to adhere to proper protocols and professionalism by both the issuing bank and the bank responsible for creating the check. 

The check in question was issued under account number XXXX, with the remitter noted as Green Refund from the XXXX Bank address, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. It was drawn against XXXX XXXX XXXX Bank of America, using routing number XXXX and transit number XXXX XXXX. 

The significant underpayment and delay in disbursement have caused substantial inconvenience and financial hardship. As per federal and state regulations, it is the responsibility of financial institutions to ensure the accurate and timely payment of funds, especially when a financial obligation has been acknowledged. 

I request that the Bank of America Remediation Department promptly address this issue by issuing a replacement check or direct deposit in the full, correct amount of {$5000.00} USD to the following address : XXXX XXXX XXXX XXXX XXXX Pl. 
XXXX, XXXX XXXX This matter requires immediate attention, as the delay has already extended beyond a reasonable timeframe. Your swift action is necessary to rectify this situation and avoid any further escalation. 

Should there be any additional steps or documentation required on my part, please inform me immediately. I appreciate your prompt attention to this matter and expect a resolution without further delay. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-08-03 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: TX

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I reported predatory lending against Xact. The original amount was {$2900.00} and is now over {$5000.00}, and the APR was 220.4 %. 

Also, now they are threatening legal action against me. There is no proof that I have any financial obligation to XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting 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: NE

Complaint narrative:
These are from my XXXX Credit report These Previous Addresses don't pertain to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act convergent Account # XXXX, 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.

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 2024-08-03 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-08-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: KY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX XXXX XXXX  NUMBER : XXXX [ Account XXXX XXXX  XXXX [ Account XXXX XXXX  : NUMBER XXXX [ Account XXXX XXXX  : NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be exclu

ded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.

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 2024-08-03 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.

Complaint narrative:
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. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :

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 2024-08-03 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have two Wells Fargo credit cards I had emergency and I miss payment for 4 month they close the account last year but they still charge me with XXXX $ every month I talk with them they said There is nothing they can do about it. 
I want all my interest money back the XXXX XXXX want to stole all my money Recently I payed off everything and they charge me with interest again and they dont want to stop with this crazy game I want all my interest money back please

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Capital Alliance Financial, LLC
State: MO

Complaint narrative:
I do not authorize these inquiries pulled from my credit report, please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
This is not authorized I never signed an arbitration agreement with your company and I never authorized anyone to do anything with my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX XX/XX/XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX  is reporting a balance of {$5400.00} when it is my understanding and reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence there of. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the XXXX of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the XXXX. 

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
account ending in XXXX navy federal was not deleted after the original creditor navy federal requested in 2020 this account be deleted from XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation