vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Meta Payments Inc.
State: KY

Complaint narrative:
My mother, XXXX XXXX , sent me {$200.00} on XX/XX/year>2024 via XXXX XXXX Meta Pay. Despite having both of my bank debit cards tied to my XXXX account, XXXX " glitched '' and the money is now in limbo. It was deducted from my mother 's checking account, but is considered cancelled AND accepted simultaneously. These messages can not be displayed on any browser ( Neither XXXX XXXX or XXXX XXXX, even in incognito mode, worked to display these messages after using my encryption pin to restore messages ), and XXXX can not load any receipt or summary. There is no longer any option on the desktop site to access pay settings. Since XXXX has absolutely no customer service department, phone number, chat, or email they can be reached at, the only way I can get in touch to find out what has happened is to submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-10-30 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: AZ

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any acounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00}

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 2024-10-30 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: NV

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/2024 and followed up on XX/XX/2024. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

XXXX  - XX/XX/2024 Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiry. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: NV

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiry. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-10-30 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: KY

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several Inquiries and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2024-10-30 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: NC

Complaint narrative:
I am writing to file a complaint against Experian regarding unauthorized hard inquiries on my credit report from XXXX XXXX XXXX and XXXX  XXXX XXXX ( XXXX XXXX  XXXX ). These inquiries were not authorized by me and are negatively affecting my credit score. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX Inquiry Date : [ XXXX ] XXXX  XXXX XXXX ( XXXX XXXX  XXXX ) Inquiry Date : [ XXXX ] According to the Fair Credit Reporting Act ( FCRA ), only inquiries that I have explicitly approved should be included on my credit report. I have contacted Experian to dispute these inquiries, but they remain unresolved.

I kindly request that the CFPB investigate this matter to ensure compliance with the FCRA and the accuracy of my credit report.

Thank you for your attention to this issue. 

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 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC
State: NJ

Complaint narrative:
The account is invalid. SECURITY CREDIT SERVICES LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. 
If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. SECURITYCRED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am writing to address a critical issue regarding my lease with Ally Bank for my XXXX  XXXX XXXX 3. I began the lease in XXXX, making an initial payment of {$13000.00} at signing, and have since fulfilled every monthly payment on time. 

Unfortunately, due to an unforeseen family emergency, I must now relocate permanently to another country. Given these circumstances, I reached out to Ally Bank to discuss transferring my lease to another individual for the remainder of the term. I was informed that this option was not permitted, and instead, I would need to pay a {$4000.00} termination fee to end the lease early. 

Due to the nature of my emergency and financial constraints, I am unable to pay this fee. I respectfully requested a hardship waiver, which was denied. Given my consistent payment record, I believe that a hardship waiver or, alternatively, a lease transfer, would be a fair solution in a case like mine, where financial hardship has arisen from unavoidable circumstances. 

Additionally, my lease states, If you paid a security deposit, we will use it at lease end to pay anything you owe under this lease and do not pay. We will not pay you interest on the security deposit. We will not add to the security deposit any proceeds, money, or funds we receive from the security deposit. After lease end, we will give back any part of the security deposit that remains. Despite this, when I inquired about my options, no one mentioned the return of my security deposit. Instead, I was told that I would lose the deposit entirely and would still be required to pay the termination fee, leaving me without any benefit from the security deposit. 

Furthermore, I understand that the value of my leased vehicle has appreciated by over {$2000.00} since I began the lease. This increase in value adds to my belief that Ally Bank could fairly make an exception in this case, considering both the equity in the vehicle and my history as a responsible customer. 

Given these terms and circumstances, I believe it would be fair and reasonable to apply any remaining security deposit toward the outstanding fees, should a waiver not be possible. I trust that my timely payment history and loyalty as a customer will be taken into consideration, and I appreciate your attention to my request. 

Thank you for your understanding. I hope for a compassionate resolution that acknowledges my circumstances and my commitment as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: AZ

Complaint narrative:
Consumer Name : ( XXXX XXXX, Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 BUSINESS DAYS of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX  on XX/XX/XXXX under account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) that appears These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached documentation, such as proof of identity bank statement, utility bill, drivers license and social and a FTC Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
I am submitting this complaint regarding an issue with a money transfer I initiated through Western Union. I made an international transfer today XX/XX/year> at XXXX XXXX. to send funds to a recipient in the XXXX XXXX. However, the transfer has been held in Western Unions Consumer Fraud and Protection department, despite my prompt verification of the transaction. 

Upon contacting Western Union, I was assured that once I verified my information, the funds would be released. Unfortunately, despite following the required verification process, my funds remain on hold, and I have not received any further clarity on why the transfer is still delayed. 

This situation has caused me significant inconvenience and goes against Western Unions Money in Minutes policy, which states that funds should be available almost immediately after a transaction. I am requesting assistance in getting my funds released and a formal explanation from Western Union about why this delay has occurred after I fulfilled all verification requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: CT

Complaint narrative:
My credit report inaccurately reflects late payments. Kindly adjust these errors to align with my usual payment history.

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 2024-10-30 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: Credit Control, LLC
State: CA

Complaint narrative:
The collection agency fail to verify this debt by providing the original contract and a copy of my original signature. The agency name is credit control llc. Phone number XXXX XXXX. This company bought the debt from 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 2024-10-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/year> SS # : XXXX Subject : DISPUTE OF LATE PAYMENT INFORMATION To Whom It May Concern, I am writing this letter to formally complain that my previous request has been ignored and that you have failed to uphold reasonable procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. The laws regarding credit reporting require that bureaus only report completely accurate credit information, and every effort must be made to guarantee the accuracy and correctness of the information being reported. 



ERROR IN THE INFORMATION REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please correct/update this inaccurate information on my credit report. 

It is imperative that this information be promptly removed from my credit report. It is not only inaccurate but also misleading, and its inclusion in your report constitutes a grave reporting error. 

According to federal law, you have a period of thirty ( 30 ) days to complete the reinvestigation.

Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file.

Additionally, I would like to remind you that, under Section 623 of the FCRA, information providers ( XXXX XXXX  ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate. 

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections 616 and 617 of the FCRA. 

Thank you for your immediate attention to this matter. 

Regards/Sincerely, XXXX 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 2024-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Business Financing Corporation
State: GA

Complaint narrative:
UCC filings, threatening emails, and multiple recovery groups have harassed me for over two years for this entity 's predatory practices and false assurances. This has occurred while also freezing equity and business accounts ( e.g. XXXX, XXXX, XXXX, etc. ) based on erroneous and false claims. Specifically, I owe the full amount [ approx. {$21000.00} ], where I repaid approximately + $ XXXX. I requested that daily checking account withdrawals pause since they refused to extend a second line of funding as promised, as I could no longer afford the $ XXXX payments. 

They refused to pause the payments, I had to have my bank to intercede to cease them steadily drawing my accounts negative each day. I've sent been inundated with threats, while also suffering multiple credit and judgments. I knew very little about these types of lenders, but have since determined that they were effectively charging me XXXX XXXX  in interest and fees.

Company response to consumer: Closed with explanation