vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MS

Complaint narrative:
XX/XX/2022 at about XXXX XXXX. my kids dad sent money through western union for a XXXX gift for our son. The location I went to which is the only one in town. Their machine was unresponsive and I waited for almost 40 min to an hr. It still did not reboot. My child 's father canceled the transaction and was told they don't refund in store. It is almost night time and no one can tell him where or why his funds are lost. No resolve was even attempted on the company 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX Experian sent me a response to a previous dispute, report # XXXX, stating they investigating the following accounts as accurate. However, Experian failed to report the notice of dispute within 30 days violating FCRA 623. I then sent Experian a letter asking for the Method of Verification on XX/XX/XXXX and they have failed to provide their method of verification. Experian still choose to report these inaccurate accounts and have failed to perform a proper investigation even though they said they did but have no proof. Please see attached documents.

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX IN violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX IN is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX IN has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX IN has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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 U.S.C. 1681. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any reports any of the following items of information other than records of convictions of crimes which antedates the reports 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 persons 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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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 U.S.C. 1681. XXXX XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 
U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any reports any of the following items of information other than records of convictions of crimes which antedates the reports 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 persons 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 explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting this procedure in case of disputed completeness and accuracy.

15 U.S.C. 1681 Section 602 : States I, the consumer have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681b ( a ) ( 2 ) Permissable Purpose Can you please reinvestigate the accuracy and completeness list of accounts below : Account # XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I initiated a wire transfer of {$800.00} in person, at TD Bank Branch # XXXX ( XXXX XXXX XXXX XXXX, XXXX NY XXXX ). This money was being sent to my mother. XXXX XXXX # XXXX. 

On XX/XX/XXXX, the transaction was posted to my account : {$800.00} were deducted from my account. The wire transfer never reached my mothers bank. 

My statement ( attached ) shows the only note on that transaction : XXXX WIRE TRANSFER OUTGOING, SUSPECT/BLOCKED OFAC WIRES Starting XX/XX/XXXX, I kept reaching out to the TD Bank Customer Service XXXX XXXX, also went to the Branch # XXXX in person, and reached out to XXXX XXXX XXXX Vise President, Store Manager, TD Bank ) and XXXX XXXX XXXX Store Supervisor, TD Bank ) with multiple requests to return my money to my account or provide any official information as where the money has gone to. TD Bank keeps refusing to send me any letters to confirm anything in writing. The only response was from XXXX XXXX in his email reply on XX/XX/XXXX you need an XXXX license to release the wire. Ever since, Ive been trying to obtain information required for the application for that XXXX license, but the Bank refuses to provide the required information for teh XXXX application. The Bank gives me a run around - so I dont have information to complete the application for XXXX license.The Bank refuses to assist with the application. XXXX does not reply to my emails. XXXX states he will call back, and does not. Customer Services states it's the Branch that has to file for the XXXX application, not me. 
The only written document I received to date was a printout on XX/XX/XXXX ( attached ) that shows that {$0.00} left TD Bank - this was printed after my multiple requests in person at the Branch. I never received any confirmation if TD Bank started a Wire Transfer Investigation as I had requested. 
Yet, the {$800.00} is gone, as if vaporized. XXXX actually said I am not the only TD Bank customer in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: OH

Complaint narrative:
BMG Money is reporting inaccurate information to the credit bureaus. I have ONE loan with them, and my report shoes TWO active/open loans, which is increasing my debt to income ratio on my reports. I've contacted them several times. In XX/XX/2022 they asked me to email screenshots of the discrepancies, I did. 5 months later in XX/XX/2022, the same loans are being reported! I called and talked to a XXXX named XXXX, she hung up on me, and never called back. 

It's extremely disappointing they are not interested in addressing this. This is negatively affecting my credit, and I need it taken care of expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I called chime and informed them that someone had stolen my wallet and use my card. The dispute lasted all of 3 days and they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, 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:
DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. XXXX XXXX XXXX. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I sent my letter to the credit bureau on ( XX/XX/2022 ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX Account Number : XXXX According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on 100 % accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I also have the credit report.

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 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Two unauthorized XXXX transaction/transfers were taken from our account in the amount of {$250.00} each on XX/XX/XXXX. 
Someone from XXXX marketplace offered to buy our XXXX that was posted for sale via XXXX. XXXX sent an email message acknowledging a deposit into our account and instead took unauthorized funds. The fact that PNC owns part of XXXX and PNC nor XXXX have responded to our complaints ( 2 to each ) nor offering any assistance in getting scammed money back. 
The company hast to know where the money went and they could get it back since it was an unauthorized in complete transaction. 
I now understand that this is a common practice. However, PNC markets this as the safest way to transfer money. Unacceptable. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
on XX/XX/2022 I sent a letter to XXXX, XXXX and Transition credit bureaus asking for a description of the procedures used to determine the accuracy and completeness of and entry on my credit reports for XXXX XXXX XXXX, Account # XXXX. I asked them to provide the name, address and telephone number of each person contacted regarding the alleged account. I also asked for a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the amount claimed. 

This is a clear violation of my rights under the Fair Credit Reporting Act 611 ( 6 ) ( b ) ( iii ). 
and they also have 15 days to report to me the results I requested which they have not. I demand that this entry of XXXX XXXX XXXX be immediately removed from my report of all 3 credit bureaus as its is hurting my chances of obtaining credit. 

Failure of the credit bureaus to delete this entry from my reports, will result in me filing a lawsuit demanding {$1000.00} per violation for the following : 1 ) Defamationm 2 ) Negligent enablement of Identity Theft 3 ) Violation of then Fair Credit Reporting Act. 

The Credit bureaus have violated my rights under the FCRA as they did not provide the information that I am obligated to receive upon my request. All they did was again say that the Item was verified that it belongs to me. I did not ask that in my letter.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
on XX/XX/2022 I sent a letter to XXXX, Equifax and XXXX credit bureaus asking for a description of the procedures used to determine the accuracy and completeness of and entry on my credit reports for XXXX XXXX XXXX, Account # XXXX. I asked them to provide the name, address and telephone number of each person contacted regarding the alleged account. I also asked for a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the amount claimed. 

This is a clear violation of my rights under the Fair Credit Reporting Act 611 ( 6 ) ( b ) ( iii ). 
and they also have 15 days to report to me the results I requested which they have not. I demand that this entry of XXXX XXXX XXXX be immediately removed from my report of all 3 credit bureaus as its is hurting my chances of obtaining credit. 

Failure of the credit bureaus to delete this entry from my reports, will result in me filing a lawsuit demanding {$1000.00} per violation for the following : XXXX ) Defamationm XXXX ) Negligent enablement of Identity Theft XXXX ) Violation of then Fair Credit Reporting Act. 

The Credit bureaus have violated my rights under the FCRA as they did not provide the information that I am obligated to receive upon my request. All they did was again say that the Item was verified that it belongs to me. I did not ask that in my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, 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:
I a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and XXXX XXXX XXXX. I was given an settlement claim number along free credit reports for 7 years. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. 
In accordance with FRCA evrything must be accurate. 
My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). 
How can these been accurate if my SSN is not even on my report, along with 10 different names, 9 diffrent employers and 4 diffrent dates of open, XXXX  XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} I am requesting these accounts to be deleted for they are not mine!

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 2022-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: OR

Complaint narrative:
I have a VA loan and I was given a loan modification verbally over the phone. I never received the paperwork that I was supposed to sign in the mail. Again, I was only verbally advised. By the time I did receive the paperwork to sign and send back it was too late to make the payment. Every time I called in it was a different person providing me different information. This was very confusing to me every single time I spoke to a person it would be a different story. XXXX was very well aware I did not receive my modification paperwork. At this point I retired military as well as XXXX XXXX Ive been in the military for over XXXX years and the way my VA loan was handled is unacceptable. Im going to lose my property due to the fact that the money source did not properly handle my file. 
I want nothing more than to be given a fair chance at making my payment. The amount if times I spoke to the Money Source should be documented and should extinguish any attempted excuses from them. 
I did not fight for my country, risk my life, in order to lose my home because the Money Source hired incompetent employees who neglected my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have no knowledge of any such debt being owed toEnter compan LVNV Funding LLC ORIGINAL CREDITOR ( XXXX XXXX  XXXX I am familiar with the XXXX XXXX XXXX 's ( XXXX ) Consumer Credit sourcebook which states the following. 
" A firm must not ignore or disregard a customer 's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer 's claim is not valid. '' XXXX " A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds. '' XXXX " Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner. '' XXXX If you do not stop collection activity whilst investigating my dispute, you are breaking XXXX  rules and guidance. 
Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment. 
Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt. 
I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to my local trading standards service and consider informing the XXXX  of your actions. 
I look forward to hearing from you. 
Yours faithfully

Company response to consumer: Closed with explanation