vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I was checking my credit report I noticed there were inquiries that did not belong to 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 explanation
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
My car was stolen in the first quarter of XXXX. My insurance has already compensated bmw Financial for the vehicle, and there is no remaining balance. However, the account is still showing as active with balence on it. I have reached out to the bmw financial to change the account as fully paid of and it was in good condition, but they also confirmed closed but they haven't reported the issue to the credit bureau. Also, I have change my name due to identity theft to XXXX XXXX. Please help me resolve this issue, as I am unable to obtain another loan due to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NJ

Complaint narrative:
I checked my credit profile and seen some inquiries that do not belong to 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 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I sent money to my nonprofit in XXXX XXXX  through MoneyGram, and my husband was denied picking up the funds stating that the name did not appear in order. I was advised to cancel and re sent which I did. When I cancelled I was told my refund is going to take 10 business days and its been a month 2 weeks. I have filed 2 complaints and now am told they can't refund to my bank because there's restrictions. I went to my bank and was told there's no restriction and there is no attempted. I have missed my rent payment since I was waiting on my {$1000.00} refund. Do I get a lawyer for help. Please see proof below. even when card is cancelled a bank can receive a refund per bankers response. 


XXXX XXXX : XXXX Dear XXXX XXXX, Thank you for contacting us detailing your concerns with MoneyGram reference number XXXX. 

In your communication dated XX/XX/year>, you indicated that the refund was not credited to your payment source. 

We would like to inform you that we have completed our investigation regarding your comments and confirm that the transaction in the amount of XXXX XXXX  was cancelled on XX/XX/year>. Crediting the funds to your initial payment source can take up to 10 business days from the cancellation date. This interval depends on the amount of time the bank will need to credit money back to your account/card in accordance with local banking hours and regulations. 

However, despite the attempt to refund you, we are unable to complete the process due to the restriction on your original funding source. We request that you contact your financial institution for further assistance in removing any restrictions. 

We appreciate your feedback and would like to inform you that MoneyGram regularly reviews incidents such as these in an effort to continually improve our processes and procedures related to customer service. 

If you have any questions, please do not hesitate to email us at XXXX. You may also visit our website at XXXX XXXX XXXX  and select Help Center for more information regarding our self-service options. 
Kind regards, XXXX Resolution Assurance Department MoneyGram International ref :! XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
Hello I sumitted a complaint for unrecognized inquiries on my report. However, they have yet to be removed. I have not applied for any credit with wells fargo orJpmorgan. Please remove this inquiries they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Over the last few years I have multiple claims with Bank of America requesting reimbursement for charges related to a bank error ( s ). Despite the bank acknowledging the errors, they continue to deny the majority of my claims. However Bank of America has been posting " Credit Adjustments '' to my account for approximately the last eight ( 8 ) months and refuses to tell me where the adjustments are coming from. I've called several times and requested details or a detailed statement informing me why I was receiving these credit adjustments and they refuse. I informed them that it was illegal to run money through my account and not tell me where or why they were doing this and nobody knows the source of funding. I am on XXXX XXXX XXXX  right now and I am under very strict income requirements, I am unable to explain this income and the bank refused to assist me. The pre-paid XXXX cards division of Bank of America doesn't follow any of the rules or laws ( state or federal ) set in place to protect consumers. Bank of America is also FAILING TO UPHOLD THE ACTIONS IMPOSED ON THEM BY THE O.C.C. ON XX/XX/2022 PER THE SIGNED CONSENT ORDER.

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 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I purchased a vehicle and ally financial became the bank the dealer used. 
My payments are XXXX per month. Every month most the payment goes towards finance change and a small amount goes towards principal. 
In XX/XX/XXXX i made my payment as normal, and at the same time my warranty company gave me a credit of about {$2000.00} for a warranty not valid for use in my state. 

Ally financial, did not put the full amount towards my principal but instead put it towards monthly payments. Each month from XXXX to XXXX finace charges were collected.. 
Complete list of my monthly transaction are listed below. The monetary amount next to each month are the finance charges charged per my statements each month. From XXXX to XXXX I made no payment cause my amount due was XXXX. But there were finance charges removed from the XXXX that was credited to my account. 

XXXX {$440.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$290.00} XXXX XXXX {$26.00} XXXX XXXX {$26.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} In XX/XX/XXXX my balance due was {$19000.00} In XX/XX/XXXX my balance due was XXXX In XX/XX/XXXX my balance due was {$19000.00}. And had not reduced since XX/XX/XXXX. 

I started making regular payements in XX/XX/XXXX. 
XX/XX/XXXX {$360.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} and has not moved since... 

I have been making regular payments but ally financial is not dispursing them properly.. I know when you first her a loan it's heavy on the finance and low on the principal being paid but ally financial has taken full payments and put it towards the finance. 
I have asked them to review and correct but they refuse. 

The last 3 months I have paid over XXXX I. Finance charge alone.. thus is wrong. It should be split between finance charge and principal. 
At this rate what they are trying to do is have me pay all the finance charge up front.. thats not right.. part of it should be put towards principal as I have the option to pay off early if I want to. At this point my loan is almost the same as when I first got the car XXXX  months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: DC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
They call me on several number during my work hours I give them a time to call me when Im off but they refuse. I also told them to send me proof I owe a debt and they didnt provide that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Subject : Cease and Desist Regarding Inaccurate Reporting of Account Details XXXX  ( Account No. XXXX ) Dear Experian, I am writing to formally dispute and request a cease and desist regarding the inaccurate reporting of the above-referenced account on my credit report. The information being reported is erroneous, incomplete, and unverifiable. Below are the details of the account as reported : Account Name : XXXX Account Type : Sales Contract Date Opened : XX/XX/XXXX Current Status : Closed/Account Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another lender Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and desist from reporting inaccurate or unverifiable information regarding this account. Specifically, the following discrepancies must be resolved : 1. The reported charge-off and written off balance conflict with my payment records and account activity.

2. The status purchased by another lender lacks necessary verification or details regarding the sale or transfer of the account.

Supporting Documentation I have attached the following documents to support my claim and validate my identity : 1. A copy of my FTC identity theft report, confirming the issues related to my credit reporting.

2. A copy of my passport, serving as proof of identity.

Request for Immediate Action I request that Experian take the following steps without delay : 1. Investigate the accuracy of the account details and verify all reported information with XXXX and the alleged new lender.

2. Remove or correct any inaccurate, incomplete, or unverifiable information related to this account.

3. Provide me with a full written summary of your findings and updates to my credit report.

Notice of Rights If these inaccuracies are not addressed within the legally mandated 30-day timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Furthermore, I reserve the right to seek legal action for damages caused by the continued misreporting of inaccurate information.

Please confirm receipt of this letter and respond promptly with the results of your investigation. You may reach me directly at XXXX or XXXX for further correspondence. 

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 explanation
Consumer complaint received 2024-11-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Subject : Cease and Desist Regarding Inaccurate Reporting of Account Details XXXX ( Account No. XXXX ) Dear Experian, I am writing to formally dispute and request a cease and desist regarding the inaccurate reporting of the above-referenced account on my credit report. The information being reported is erroneous, incomplete, and unverifiable. Below are the details of the account as reported : Account Name : XXXX Account Type : Sales Contract Date Opened : XX/XX/XXXX Current Status : Closed/Account Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another lender Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and desist from reporting inaccurate or unverifiable information regarding this account. Specifically, the following discrepancies must be resolved : 1. The reported charge-off and written off balance conflict with my payment records and account activity.

2. The status purchased by another lender lacks necessary verification or details regarding the sale or transfer of the account.

Supporting Documentation I have attached the following documents to support my claim and validate my identity : 1. A copy of my FTC identity theft report, confirming the issues related to my credit reporting.

2. A copy of my passport, serving as proof of identity.

Request for Immediate Action I request that Experian take the following steps without delay : 1. Investigate the accuracy of the account details and verify all reported information with XXXX and the alleged new lender.

2. Remove or correct any inaccurate, incomplete, or unverifiable information related to this account.

3. Provide me with a full written summary of your findings and updates to my credit report.

Notice of Rights If these inaccuracies are not addressed within the legally mandated 30-day timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Furthermore, I reserve the right to seek legal action for damages caused by the continued misreporting of inaccurate information.

Please confirm receipt of this letter and respond promptly with the results of your investigation. You may reach me directly at XXXX or XXXX for further correspondence. 

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 explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a small business checking account with Capital One bank. I had an instance of check deposit {$10000.00} that took more than 7 days for the funds being available for me to use but, shows credited on my statement on earlier date which I found deceit. I requested a backend transaction detail to the bank and I have not received it in over a week.

I also have a money transfer made through ACH about XXXX XXXX to a bid I won. The company did not receive the ACH payment and requested I wire the money. My bank did not credit the money on time even if I called the Bank to inquire about this returned fund and file a claim on XX/XX/XXXX. I also requested a transaction detail report as to when money was credited by the consumer as a supporting document for the penalty payment request from the vendor. Neither a claim filed confirmation nor a requested report was sent to me. I again called my bank on XX/XX/XXXX and been informed the claim was not filed for

unexplained reason and they are investigating the matter which may take up to 7 days on a recorded line. The excessive delay in transaction processing out of the regular processing time stated by the bank and lack of transparency is unfair and unethical business practice. The bank is causing me harm by using my funds to do business and not availing the money I needed to do my business transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX 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 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 XXXXXX/XX/XXXX 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

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