vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-12-24 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, was the XXXX time i dispute an account thats inaccurately being reported and violating many of my FCRA rights. The company has failed to do anything about the matter except continue to inaccurately update the account. Ill be attaching the previous complaint below.

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 2024-12-24 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: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( Private XXXX XX/XX/1967 ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TranUnion credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a Collections account. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the XXXX Account in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I went for a consultation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the end of the consultation, the XXXX told me that there is a monthly financing option from Alpheon that I can take. I told her that I will think about it and would need more time to decide if I would like to continue with the XXXX She said, in the meantime, you can sign for Alpheon pre-approval to see how much you would need to pay per month and if that works for you, you can call me by XX/XX/XXXX, and continue the process. I sign the document and I reiterate with her that as long as I cancel the appointment and let her know that I do not want to move forward with XXXX I do not have to pay and Alpheon will not charge me. She said yes, this is just pre-approval and you wont be charged or have an interest rate. I called her before XX/XX/XXXX to cancel the appointment and reschedule later in the year XXXX. To reiterate, I have not received the XXXX service. I only went for the consultation. Past XXXX months from XXXX to XXXX, I have been receiving calls from Comenity Bank saying I owe a debt of XXXX dollars. I have not received the service, I let the merchant know that I did not agree and cancelled the appointment, I was unaware of the charges, and Comenity Bank did not provide me with any information of any claims or anything. I am trying to dispute this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I got a random email from cash app stating that my XXXX XXXX accounts had been cancelled. Then I got an email about my Cashapp account being XXXX and closed because I violated terms of service. Which is inaccurate. I have had my cashapp account for XXXX and there is no way this is possible. They say you can go through an appeal that may take XXXX for review and then they came back today XX/XX/XXXX and said that I am ineligible to appeal and my account will remain closed and I have no say so. I can't even create another account. When I contacted the company again they only tell you the scripting so no information is provided to as what caused them to cancel and XXXX your account. Doing my research I found out that this has happened to numerous people dating back to last year. I really think it's unfair for people to be violated with no valid reason or explanation as to why. It really does discredits the companies honesty and commitment of being trustworthy. The company is STILL giving me the runaround today I called the XXXXXXXX XXXX  and they basically gave me the same scripting about violation of terms but no specific reason. I would like my account restored immediately because it's no unfair when I use it for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to file a formal complaint regarding the reporting of an unverifiable charge-off account by TransUnion, which involves XXXX XXXX XXXX XXXX Despite multiple written disputes and requests for verification under the Fair Credit Reporting Act ( FCRA ), section 605B TransUnion has failed to provide sufficient documentation to prove the validity of this account. I believe this constitutes a violation of my rights under the FCRA and 15 U.S. Code 681b ( 2 ) related consumer protection laws. 

Details of the Complaint : Credit Bureau : TransUnion Report XXXX Creditor : XXXX XXXX XXXX Account XXXX Account Issue : TransUnion continues to report a charge-off account as verifiable despite failing to provide : Original signed documentation or contracts proving my responsibility for the account. 

Details of their investigation or any evidence provided by XXXX XXXX XXXX. 

Under the FCRA, TransUnion is obligated to ensure that all information reported is accurate and verifiable. Their inability or refusal to furnish proper documentation, while continuing to report this damaging account, demonstrates a failure to comply with these requirements. 

Actions I Have Taken : Sent multiple written disputes via certified mail requesting verification. 

Provided identification and proof of address to facilitate their investigation. 

Highlighted the specific reporting error in my credit report. 

TransUnions response has been inadequate, offering no substantive proof to validate the account. Instead, they have merely stated that the account is verified without providing supporting documentation.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity has been stolen. I have been disputing the same incorrect information repeatedly to the credit bureaus and they refuse to comply with my requests. I have froze all my accounts, filed a report with the FTC, filed police reports with both local and XXXX and am now going to pursue charges being filed for consistently violating my rights as a federally protected consumer and will be seeking compensation for damages.

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 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sent a letter to Dispute of Inaccurate Charge-Offs on My Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This morning, I spotted unauthorized inquiries on my credit report, and Im baffled by their presence. I refreshed my browser, thinking it was an error, but they didnt go away. I urgently request a detailed review of my documents to resolve this issue and ease my worries.

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was trying to add money to my XXXX XXXX, which I've done before, but Citi flagged it as a potential scam. Even after approving the transaction through their email system, the issue persisted, so I initiated a manual transfer. After entering my PIN, the system prompted me to call for assistance. When I called, the representative locked me out of the account I was actively logged into on my computer. Then, to verify my identity, she asked for an account number that I could only access from the account she had just locked me out of.

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hey ; I have multiple Business accounts with Truist Bank XXXX XXXX VA ). Due to my Business need, I have plenty of Cash Flow. On Friday XX/XX/2024, I went to branch located XXXX XXXX XXXX XXXX, XXXX, VA XXXX, to deposit the Cash around XXXXXXXX XXXX in my Business account. The Teller at the Counter named as XXXX  ( She told this name did not confirm her real name NO NAME TAG WAS ON THE SHIRT ) refuse to take the Cash that is against consumer rights. She said we don't take after XXXX XXXX XXXX Banking Time is XXXX to XXXX ), I requested her please take my cash because there was Business XXXX due on next day, If XXXX return, they will penalize me and tried to remind her Banking closing time is XXXX XXXX. She started misbehaving with me and when I said her That give me in written that you are not taking my cash than she will receive my cash. I faced same problem at this branch before. 
I want to request the authorities Kindly take the Action against this behavior and force the bank to follow the bank timing. 
thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received an email directly from Chime on XX/XX/2024 with the subject " For a limited time, earn {$500.00} when you refer one of your friends ''. The contents were : " Spread the Chime love. 
We appreciate you being a Chime member. For a limited time, earn {$500.00} when one friend joins. * Refer today Dont sleep on this offer Refer one of your friends Make sure they sign up by XX/XX/2024 They need to set up a qualifying direct deposit of $ XXXX within 45 days Then youll receive {$500.00} bonus and theyll receive {$100.00} Earn {$500.00} from Chime Questions? Were here to help. '' My wife then signed up with my referral link on XX/XX/2024. She has since made more than XXXX direct deposits of $ XXXX within 45 days and we have fulfilled the terms stated in the offer. These are our first and only Chime accounts and my wife is my only successful Chime referral. 
After 2 months, I had to call Chime on XX/XX/2024 because our referral bonuses haven't been credited. I was able to get {$100.00} credit both for myself and my wife. During the call, I was promised that the additional {$400.00} will be deposited to my account in a couple of days to fulfill the terms. 
On XX/XX/2024, I have not yet received the additional {$400.00}. I called in again. I was first told this promotion did not exist. I then forwarded to the email to " XXXX '' and the agent on the phone acknowledged receipt. I was then told I was " ineligible ''. They could not give a clear explanation as to why I was suddenly ineligible for this offer even thought I received direct email communication from Chime on XX/XX/2024. I also have a screen recording of my wife going through my referral link and opening her account on XX/XX/2024. 
Chime has yet to fulfill their end of the terms. One could characterize this as a bait-and-switch if they fail to do so.

Company response to consumer: Closed with explanation