vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
On XX/XX/24, I discovered a fraudulent transaction involving MoneyGram US. The transaction occurred on XX/XX/24 in the amount of {$1200.00}. This money was taken from my personal checking account by an unknown party and was transferred to an unknown recipient. My wife and I do not now, nor have we ever, had an account with MoneyGram. We do not now, nor have we ever, utilized MoneyGram 's services. 

On XX/XX/24, I contacted MoneyGram US, part of MoneyGram International and MoneyGram Payment Systems ( collectively " MoneyGram '' ), on XX/XX/24. MoneyGram discovered a fraudulent account established with them that was used to facilitate this fraudulent transaction. I requested to file a fraud report, they declined. I requested additional information on the fraudulent account and the fraudulent transaction and was told that absent a subpoena, they would not provide any additional information as they needed to " protect the privacy of the parties involved ''. The information I was requesting is necessary to file a police report and to begin a fraud dispute with my financial institution. 

MoneyGram is clearly more concerned about protecting its relationships with the fraudsters in order to ensure no disruption to its revenue streams and has nil concern for consumer protection. MoneyGram is profiting/benefiting from its relationship with the fraudsters thereby making them complicit in the commission of a crime. MoneyGram, through its poor internal controls and lack of consumer protection, is aiding ( providing support and assistance ) illegal activity, abetting ( encouraging ) illegal activity, and is an accessory ( assists with the commission of a crime ) to illegal activity. 

While this is one instance of this behavior ; I am confident that an examination of MoneyGram 's records would demonstrate a continued and consistent history of similar conduct and would demonstrate a pattern of behavior for which MoneyGram should be held accountable.

MoneyGram is no stranger to committing various financial crimes and has a history of non-compliance; including aiding and abetting wire fraud and failing to maintain an anti-money laundering program. It is obvious that MoneyGram continues its dubious behavior for the benefit of their profit and to the detriment of consumers. Certainly, in this instance, to my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: GA

Complaint narrative:
On or about XX/XX/2024 I had checked my consumer report and noticed a fraudulent collection account being reported on that same report from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have no Idea what this account is and I have never signed up for or taking any classes at that institution. in addition I would like to say that I am not known as XXXX XXXX, XXXX XXXX or XXXX XXXX. My name is XXXX XXXX and that is what is shown on my state issued ID and drivers license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: GA

Complaint narrative:
In the recent Credit File Disclosure provided by Transunion, there are several reporting practices that explicitly violate the consumers federally protected rights. You stated that the consumer has been on your files since XX/XX/2008. Please provide a copy of the application submitted for consumer information to be recorded in your files. Consumer states for the record NO opt out notices were EVER provided, specifically now referring to the opting out of the sharing of nonpublic information with nonaffiliated third parties, pursuant to 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. 
Furthermore, Transunion is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. On the credit file disclosure, you state consumer has given written authorization for various entities to access the credit file. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting. 
TOTAL LIST OF THE FOLLOWING : Regular Inquiries, Account Review Inquiries, Inquiry Analysis, Third Party Supplemental Information , Club and Subscription Activity, Collection Accounts. 
Included is a copy of the Credit File Disclosure provided with violations being highlighted. 
For the record consumer states they have not given any written, verbal, or non-verbal consent to the following reporting. Consumer is requesting the file be updated immediately. Consumer is requesting compensation for violations. The invoice has been enclosed with this letter. 
The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. 
Consumer states for the record they have instructed Transunion to limit prescreened offers of credit and insurance, via XXXX, but now request them to STOP all offers, completely. 
Please be aware, Consumer has the right to seek damages for injury by suing within a state or federal court. 
Please place a Security Freeze on the file, immediately.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX gave me XXXX XXXX  cash bonus for my XXXX spend. I spent that money, after 8 months, I visited my country, I've asked if they charge foreign fee, and they said " yes. ". Then I closed my account. They did not say or informed me to return this XXXX $ ; if I close the account less than a year. I said I used this card, and I spent more than XXXX XXXX and I was not informed, or I signed any document. 

In this case I told them to refund an amount of XXXX $ ( XXXX of XXXX $ ), and they refused. 
Afterwards they sent me {$1.00} check, with an apology letter. 

But today I noticed that I owe more than {$300.00} ( with interests ). 
I did not get any credit from XXXX ; only cash bonus. But they charge an interest every month.And they informed this to credit offices. 

How can I cancel this misinformation from 3 credit offices?

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 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIGY USA CORP.
State: CT

Complaint narrative:
There apparently has been a judgement lien on my property since XXXX. I just sold my home on XXXX of XXXX. My attorney was trying to settle the lien since XX/XX/XXXX. I still don't have any resolve on this matter, and the attorney has been holding {$15000.00} of my money in escrow to close my loan, so I could purchase a new home. I apparently owe {$4400.00} on this lien. The company name is Main st Acquisition corp that originally put lien on property. This company can't tell me what lien is for or currently has the information to settle the lien. Could you please help me resolv e this matter. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a pre-legal notice from MCM, about a debt they claim I owe them. I have no recollection of such a debt. And I wrote them a letter disputing these claims. As well as asking them to cease contacting me I sent the letter via certified mail on XX/XX/XXXX. However, the calls have not stopped, even after I asked them to. At this point I feel harrased and frustrated that they are not respecting my wishes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-02-17 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:
I noticed some inaccuracies while checking my XXXX report. My middle name should not be on my report. My First and Last Name and middle name initial only. Also, I am not employed at XXXX XXXX. I am requesting that this information to be removed from my XXXX report. 

On my Equifax report, my last name is spelled incorrectly. It should be XXXX not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: DE

Complaint narrative:
I disputed incorrect information on my credit report on XX/XX/2023. This information is still being reported and its inaccurate, even after providing proof of 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 explanation
Consumer complaint received 2024-02-17 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: GA

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I settled the debt XX/XX/2024 and the debt is to be deleted but still shows in collection on all credit bureaus! Only removed from one area on one bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
XXXX XXXX was the original company that stated I owed {$690.00}. Well, I disputed it with them because I have no knowledge of the account and it was removed off of my credit report. I will attach copies of when I disputed it and when it was removed, but now the same debt from XXXX XXXX for {$690.00} was bought out by a debt collector named portfolio recovery associates, in the exact same amount from the original creditor of XXXX how can they buy a debt first of all that wasnt even mine or I had no acknowledgment of and a debt that one removed from my credit report in XXXX XX/XX/2023. So I would like it completely removed off of my credit report from this company. I feel as if that is fraudulently buying a debt that someone has known acknowledgment of and one the original creditor removed it off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: AZ

Complaint narrative:
Hard inquiries past two years old still on my credit report -reported this to the Trans Union dispute process. Received information it was resolved. But the report does not reflect any changes.

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 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase Bank , N.A . sent me an offer for a 0 % promotional balance transfer offer with two convenience checks for transferring the funds. I deposited one of the convenience checks to my account in the amount of {$15000.00} and used the proceeds to pay off a portion of other higher interest debt. A few days later, the check was returned marked " Frozen/Blocked Account '' and the funds were revoked, creating a negative balance in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NH

Complaint narrative:
I opened a chime account and I sent money from a business account but it does not count as a employee direct deposit even if it's from a business account and I have a government check with all my information as well as the government 's information and they told me it doesn't matter I can only do direct deposit but the company I'm getting government checks from does not provide direct deposit neither does my job and I can't use anything on this app unless I have a direct deposit only even though a direct deposit is money that is directly deposited into a account according to the dictionary it does not say from an employer only. And when I called they told me there's absolutely nothing they can do and that I should just cancel my card and find a new bank because self-employed people are not allowed to use the app even though I have an employer that sends me my checks through XXXX XXXX account that should count as a deposit when you get it every month from an employers registered business account. I see that as a very big issue not everyone or every job offers or can get direct deposit only in order to set up your account and even to get a savings account I need direct deposit I can't even open a savings account on chime only a checking only and you can't use anything else on the app.. I am going to contact a lawyer in everyone else that is ran into any problem should too I got told by a friend lawyer that it is a perfect case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
After opening the account at my XXXX XXXX  office, I never received the information needed to open an online account to make electronic payments. I called customer service and they direct me to a part of my bill that does not exist. This means I can only make payments by either mailing in ( which of course I would never have opened the account in the first place if that was going to be the case ) or by having their customer service schedule up to 3 months of payments at a time through the phone. Each time I do this, the next bill pops up with a late payment. So I end up paying tons of late fees in 2023 for a company whose technology is so bad that I couldn't make the electronic payments that I make for every other account I have. 

Finally, late in 2023 I get a bill with the actual account number on it which I use to register for the electronic portal. However at this time my dentist tells me my account is overpaid by {$600.00} ( great! ). So I even elect to do a cosmetic appointment out of pocket since I don't owe anymore money ( great! ). Well it turns out Comenity Capital Bank took that money back a few weeks later. I called customer service about this and they could not explain what happened and said I should file a ticket. So I go to file a ticket and suprise their system isn't working. At this point I am so tired of the company that I am not willing to pay them anyone until they can explain what is going on. However nobody could and they end up putting a 30 day late notice on my credit account. Turns out I am locked out of my account now so I end up making payment once again through the customer service and scheduling the next 3 months. Additionally, I write their support and ask to fix this credit reporting issue since it is their fault their customer service can not explain what is going on with my account. They decline. 

I am ready to close the account so I login and go to pay the balance in full, only it will not let me because I already have 2 pre-scheduled payments. I try to cancel them as per the directions in their chat bot but of course again, the system is not working and there is no way to cancel the payments. 

So after the worst experience I have ever had with a financial institution over a year and a hfl, now I can not even pay the account off and close it, because their technology is so bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX I contacted XXXX XXXX via certified mail to dispute the accuracy of the account. On XX/XX/, XXXX XXXX stated that the account was returned as unverified and they will no longer report to credit bureaus. However, I pulled my Transunion credit report and noticed it was still showing. On XX/XX/ I reached out to Transunion to request this negative unverified item to be removed but Transunion failed to honor my request when I showed proof that they were in violation of federal law.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XX/XX/XXXX i sent in the dispute letter. I still have not received any response and it is XX/XX/XXXX After conducting thorough research, I discovered that this account violates the Fair Credit Reporting Act ( FCRA ) due to the nature of the reporting by your institution. There are several violations associated with the reporting of this account on my consumer report. I will highlight each violation : According to 18 USC 1028 ( d ) ( 12 ) - Financial institutions transporting and transferring nonpublic personal information related to the consumers transactions and experiences with the financial institution is a Trafficking and identity theft violation - which is considered financial fraud according to the Fair Credit Reporting Act. In my case, NCA is trafficking my nonpublic personal information from XXXX to XXXX and XXXX- which is a nonaffiliated third party. 
The Fair Credit Reporting Act ( FCRA ) has been breached by NCA. As per the FCRA regulations, every " financial institution, '' including collection agencies, is required to furnish an Opt-out and a duly signed Form SSA-89, issued by them, to the consumer. The consumer must sign this form to grant the financial institution permissible authority to disclose any nonpublic personal information associated with any social security number linked to ANY consumer. NCA neglected to comply with this requirement, constituting a violation of the Fair Credit Reporting Act. In my case, I was not issued any such notice of opt out or SSA-89 - which clearly and conspicuously proves that NCA has committed financial fraud according to the grounds of the Fair Credit Reporting Act. 
**Inaccurate Representation of Financial Standing : ** Listing this account as a charged-off debt inaccurately represents my financial standing. While the debt may have been reported as income on IRS Form 1099-C, it remains an income event and not a true debt that can be charged off. 

According to the FCRA, Financial Institutions are prohibited from reporting nonpublic personal information to nonaffiliated third parties like XXXX and XXXX. The inclusion of this collection account on my consumer report is a clear violation of the Act, as it discloses nonpublic personal information derived from transactions between myself and XXXX.

Company response to consumer: Closed with explanation