vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
About XX/XX/, a withdrawal was made from my checking acct. in the amount of {$290.00}. 
From the limited description, I did not know what it represented. I disputed the charge and Bank of America reversed the withdrawal. A few days later, I realized it was an annual deduction I always had paid. I told Bank to pay the merchant.Bank said it would take 7 days for merchant to receive money. 

Because I needed access to continuing education right away from the merchant and b/c I could not get money to merchant with a debit card ( card was rejected ), I charged {$290.00} on XXXX of my Bank of America Credit cards . I spoke with merchant ( I have used this merchant for a number of years ; ) I just did not recognize it was the annual fee b/c Bank did not provide clear description or name. of merchant when initial withdrawal of money had ben made.The merchant would have refunded the {$290.00} I paid the merchant using the credit card. 

XXXX XXXX, Bank withdrew {$290.00} described as temporary card reversal.but did not pay merchant.

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 2023-11-09 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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I provided an account number and name of account to someone to revive funds. They went to get them and they were never deposited I called MoneyGram and they told me there was a mistake made on one of the numbers. They filed a report and said they would get back to me. They did not. I called and emailed 6 times or more and each time the person said they had no access of the account number it was suppose to go to. I emailed proof of the transaction yesterday because I received an email denying my claim. What they sent me has no numbers for me to see if it was done correctly. They blacked them out. That doesn't do anything for me. Just hides their obvious error and they stole from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ) , is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " In general Subject to subsection ( c ), 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 to whom it relates. '' ( XXXX  ) , the financial institution, and the Consumer reporting agency Equifax does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, or XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 6802 ( b ) ( c ) states, that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states, " 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. 15 U.S. Code 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. Equifax is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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:
I am submitting this CFPB complaint to express my extreme dissatisfaction with the presence of erroneous account and information on my credit file, and to demand that they be corrected immediately. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I intend to exercise them to the fullest extent of the law. It is completely unacceptable that the Credit Bureaus has allowed inaccurate and false information to appear on my credit report, damaging my credit score and potentially affecting my ability to obtain credit or other financial services. Despite my repeated attempts to have these errors corrected, the Credit Bureaus have failed to take action, causing me significant frustration and inconvenience. I need the Credit Bureaus to immediately correct the account off of my Credit File : I demand that the Credit Bureaus immediately remove all erroneous account and information from my credit file, and take all necessary steps to ensure that they do not reappear in the future : XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX ) Has violated my rights 3- ( XXXX XXXX XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : **** ) Has violated my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: OH

Complaint narrative:
I have some accounts on my file that are not accurate. I do not have any balances or business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX . I HAVE FILED A COMPLIANT WITH CFPB and the FTC.

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 2023-11-09 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 urgently and respectfully request that the Credit Bureaus remove these fraudulent items from my credit file, in strict accordance with FCRA section 605b, which mandates Credit Reporting Agencies to promptly eliminate any items listed on an identity theft report. I have diligently included these items in my IDENTITY THEFT REPORT # XXXX, which I am resubmitting with this formal complaint. In anticipation of an update to my credit reports within the next 15 days, I kindly request the immediate removal of the following items : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} TRANSUNION : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
I have made XXXX different payments and all have been reversed. On XX/XX/23 I made a {$200.00} payment. On XX/XX/23 I made a {$300.00} payment. On XX/XX/23 I made a {$290.00} payment. All three were reversed and I was never notified that the payments did not go through. I made a {$290.00} payment on XX/XX/23 and I am waiting to see if that one goes through. I am concerned because I dont want it to show past due since I made the payment on time. I called Ed Financial customer service and they advised me that multiple people have been having this problem. They told me to double check my bank account info and if that is not the problem, to call my bank. I dont believe my bank is declining the payment because they are not even showing up on my bank account. I need this issue to be address to make sure that I dont get penalized for my payments not going through. I checked my bank account information and that was not the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: MECHANICS BANK
State: CA

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : MECHANICS BANK AUTO FI XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: CA

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX NA ) XXXX Balance : {$1000.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.

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 2023-11-09 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: NY

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX NA ) XXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
In accurdance with the fair credit Reporting act XXXX Account # XXXX, has violated ry rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: Capio Partners, LLC
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX ( I provide them with my insurance information and insurance was never billed )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: Capio Partners, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ( I provide them with my insurance information and insurance was never billed )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: MA

Complaint narrative:
in accfi & lance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

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 2023-11-09 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: NY

Complaint narrative:
I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA segment 605, you are required to destroy all records captured on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Let 's get to the crux of it. Here 's the list of blunders that have got me seeing red : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this fraudulent account from my credit ASAP. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

Company response to consumer: Closed with explanation