vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: CO

Complaint narrative:
I was late on my payment, however not 30 days and they put a 30 day late mark on my credit reports and I really need this fixed. If I was 30 days late, which I do not believe I was it is due to their website being wrong and I have screenshots proof. On XX/XX/year> I made a double payment and the late fee plus a little more in the amount of {$1900.00}. Then it stated my next payment due is XX/XX/year> in the amount of {$940.00}. If on XX/XX/year> I caught up and the payments are due on the XXXX, then I was about 16 days late, not 30. If it allows I will attach the screenshots, but otherwise just reach out for what I have. I tried to contact the company, but could not wait on hold as long as I was due to having to work and their hours of operation. Please help clear up the 30 day late mark on all 3 credit bureaus. The company is XXXX XXXX XXXX. 
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 2024-07-24 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: CO

Complaint narrative:
I was late on my payment, however not 30 days and they put a 30 day late mark on my credit reports and I really need this fixed. If I was 30 days late, which I do not believe I was it is due to their website being wrong and I have screenshots proof. On XX/XX/year> I made a double payment and the late fee plus a little more in the amount of {$1900.00}. Then it stated my next payment due is XX/XX/year> in the amount of {$940.00}. If on XX/XX/year> I caught up and the payments are due on the XXXX, then I was about 16 days late, not 30. If it allows I will attach the screenshots, but otherwise just reach out for what I have. I tried to contact the company, but could not wait on hold as long as I was due to having to work and their hours of operation. Please help clear up the 30 day late mark on all 3 credit bureaus. The company is XXXX XXXX XXXX. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: CO

Complaint narrative:
I was late on my payment, however not 30 days and they put a 30 day late mark on my credit reports and I really need this fixed. If I was 30 days late, which I do not believe I was it is due to their website being wrong and I have screenshots proof. On XX/XX/year> I made a double payment and the late fee plus a little more in the amount of {$1900.00}. Then it stated my next payment due is XX/XX/year> in the amount of {$940.00}. If on XX/XX/year> I caught up and the payments are due on the XXXX, then I was about 16 days late, not 30. If it allows I will attach the screenshots, but otherwise just reach out for what I have. I tried to contact the company, but could not wait on hold as long as I was due to having to work and their hours of operation. Please help clear up the 30 day late mark on all 3 credit bureaus. The company is XXXX XXXX XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have an active stalker/hacker/scammer care. XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX cash app. Has hit and taken money from everyone. Cash app refuses bank dispute and we are at approx. 10 days and I have provided a police report and Federal Identity theft alert. A ton of evidence in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Date : XX/XX/year> Financial Institution : Bank of America Product/Service : Credit Card Promotional Offer Re : Account number ending in XXXX Complaint : Today, I used Bank of America 's online chat service to inquire about a credit card promotional offer advertised on their website. The specific webpage I accessed was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX & XXXX During the chat with a representative named XXXX, I encountered several issues : Missing Information on Promotional Offer : The webpage describing the offer did not indicate the specific account to which the offer applies. I raised this concern with XXXX, but she did not acknowledge the lack of clarity and instead offered workarounds like checking the last four digits on a previous page, which was not helpful. 
Repetitive Responses : Throughout the chat, XXXX repeatedly asked if the information provided was helpful, even when I was addressing a different issue. 
Limited Agent Capabilities : XXXX was unable to provide specific details about the offer terms or send me a written confirmation with my account information. 
Disconnected Chat : After reiterating my concerns about the missing information on the webpage and requesting a written confirmation, the chat representative named XXXX disconnected the chat without addressing my issues. 
These issues prevented me from fully understanding the terms of the promotional offer and from obtaining a written confirmation for my records. I believe Bank of America 's website should clearly display the account to which a promotional offer applies, and their chat representatives should be empowered to address customer concerns effectively. 
Request for Relief : I would like Bank of America 's to review its practices regarding the clarity of their promotional offer descriptions and the effectiveness of their online chat customer service. Additionally, I would appreciate Bank of America contacting me to : Provide a clear explanation of the promotional offer, including the specific account to which it applies. 
Send me a written confirmation of the offer with my account information. 
Thank you for your time and attention to this matter.

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 2024-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, i am writing as i have a payday loan and have been making monthly payments and my balance has not change. The payment have gone over 6months and the balance stays the same to which i had to refinance to lower my payments and still no change in balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 non-monetary relief
Consumer complaint received 2024-07-24 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: WA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-07-24 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: WA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-07-24 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: NY

Complaint narrative:
I hope this email finds you well. I am writing to request the removal of certain credit collections from 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 2024-07-24 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 other 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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: UT

Complaint narrative:
XX/XX/XXXX XXXX XXXX, my Chime bank account was hacked by XXXX people, XXXX and XXXX XXXX, with the email XXXX. My phone number and password were changed without my consent, and by the time I was again able to access my account, it had been drained of the XXXX that was remaining intended to pay bills and the final portion of my rent. I'm on social security for my XXXX, and would never compromise my living situation by giving that money to anyone. I contacted Chime to file a dispute, and within XXXX hours, I was told that no error was made. I filed a rebuttal, and was again told no error was made. I filed a third dispute, providing screenshots of the conversation with the person that took my money, where they ADMITTED they'd taken the money without my permission, admitted they never scam people unless they were trying to help them, and was AGAIN told no error was made. This situation has caused an excessive amount of stress, and left me unable to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. TransUnion, XXXX, and XXXX are consumer reporting agencies and I am the consumer. My rights are being violated by having my private information shared and I want it to stop as per 15 U.S.C 6801 which states It is the policy of theCongressthat each financial instution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information ''. XXXX XXXX XXXX account number XXXX has violated my privacy rights and 15 U.S.C 1681 Section 604 A Section 2 : which states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. XXXX XXXX XXXX and the consumer reporting agencies TransUnion, XXXX, and XXXX do not have my consent to furnish this information nor my written consent. Any and all consent to TransUnion, XXXX, XXXX, and XXXX XXXX XXXX whether it be verbal, non-verbal, Written, implied or otherwise is revoked. XXXX XXXX XXXX are also in violation of 15 U.S.C 6802 ( b ) ( c ) as they never informed me of my right to exercise my nondisclosure option. The XXXX XXXX XXXX account number XXXX in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S.C 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 - 313.9 and is currently in violation of said legal authority. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures as 15 U.S.C 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

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 2024-07-24 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: FL

Complaint narrative:
I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. XXXX, Equifax, and XXXX are consumer reporting agencies and I am the consumer. My rights are being violated by having my private information shared and I want it to stop as per 15 U.S.C 6801 which states It is the policy of theCongressthat each financial instution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information ''. XXXX XXXX XXXX account number XXXX has violated my privacy rights and 15 U.S.C 1681 Section 604 A Section 2 : which states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. XXXX XXXX XXXX and the consumer reporting agencies XXXX, Equifax, and XXXX do not have my consent to furnish this information nor my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXX XXXX XXXX whether it be verbal, non-verbal, Written, implied or otherwise is revoked. XXXX XXXX XXXX are also in violation of 15 U.S.C 6802 ( b ) ( c ) as they never informed me of my right to exercise my nondisclosure option. The XXXX XXXX XXXX account number XXXX in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S.C 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 - 313.9 and is currently in violation of said legal authority. XXXX, Equifax, and XXXX are not maintaining reasonable procedures as 15 U.S.C 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.

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 2024-07-24 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
JIn XX/XX/year>, I received a notification from my credit report indicating that a new account had been added by a company named XXXX XXXX. Upon contacting them, I was informed that I still had to pay the debt. A few months later, I received another notification from the credit report showing an address ( XXXX XXXX XXXX XXXX NY XXXX ) where I had never lived. I reached out to all three credit bureaus to clarify that I did not reside at that address and that the account linked to XXXXXXXX XXXX was not mine, likely due to fraudulent activity.

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 2024-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I contacted the collection agency regarding debt reported to the major credit bureaus, I have requested multiple times to validate the debt ( provide how the amount was calculated, copies of paperwork showing I agreed to pay the amount, and provide license to collect debt in my state ) and they have yet to provide what I am requesting.

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 2024-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear, CFPB I am writing a Follow-Up Complaint Regarding Equifax 's Lack of Response to Previous Dispute I submitted a complaint regarding an inaccuracy on my Equifax, XXXX and XXXX credit report. On XX/XX/XXXX I submitted complaint XXXX, which has not been addressed adequately by Equifax, today is XX/XX/XXXX and I have yet to receive a response through the CFPB portal as requested. 

The inaccuracy regarding the reporting of my payments remains uncorrected. Equifax 's lack of response and action not only affects my credit standing but also violates the Fair Credit Reporting Act ( FCRA ) requirements to maintain accurate and complete credit information.

Company response to consumer: Closed with non-monetary relief