vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I received Money Gram XX/XX/2022. XXXX {$2000.00}. 
I was given {$500.00} and the remaining {$1500.00} in a Money order and advised to deposit to my personal bank.My bank rejected the money order they said issue was the money order had a invalid payee listed. I contacted money gram and I was told that on their end they did not have any issues and XXXX  did not know why my bank had rejected it, the blamed me for the mistake and denied any possible solution to resolve my issue. My bank attempted to contact XXXX however did not resolve anything, my bank advised me that they would return item to me this caused my account to be over drafted. 
After numerous attempts to speak to a English speaking representative I gave up and filled a replacement form online for 3 day expedited processing fee {$45.00}, and next day overnight deliver fee {$22.00}. I was told my replacement amount would be {$1400.00}. It has now been 10 days I requested a replacement and I was told that my check was mailed and I should receive it XX/XX/2022, not in 3-7 expedited business days. They are liars and don't care this money is my husbands hard work earnings to pay for our rent. I want Money gram to know that as of yet I have not received my replacement, and my family and I are facing eviction from our home. This money was for my rent and Money gram has failed to properly process my transaction and their inadequacy to do their job correct in America has caused a tremendous amount of stress to myself, financial institution, and store where I transaction occurred. Money gram does not have any empathy for customers. Their code of conduct, and ethics compliance is worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I was past due on my XXXXXXXX XXXX  account and called them on XX/XX/XXXX to set up a settlement. After being hung up on a few times I was told that they only do settlement calls on XXXX of month and call back then. Called back on XX/XX/XXXX and was told it had been sent to collections. In XXXX of XXXX I received a letter saying this had been sold to XXXX XXXX. I settled this debt with them XX/XX/XXXX for {$3000.00}. A couple of months ago I received a letter from LVNV Funding saying the debt had been sold to them. I notified them this had been sold and paid thru XXXX XXXX but never heard back. I filed a dispute with XXXX on XX/XX/XXXX and included the letter from XXXX XXXX saying that I had a XXXX balance. XXXX notified me on XX/XX/XXXX that the debt had been verified. I've only ever had one account with XXXX which is clear on my report and the XXXX XXXX email shows that it has been paid. I'd like the LVNV Funding removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
Hard inquiries was discovered on my account Credco XXXX XXXX XXXX XXXX USA XX/XX/22

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 2022-09-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Aslo, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : XXXX XXXX XXXX. Cc : XXXX XXXX XXXX Cc : XXXX XXXX. Cc : XXXX XXXX XXXX XXXX. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX and XXXX. Cc : Federal Trade Commission. Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
TransUnion is intentionally reporting inaccurate credit inquiries on my credit report after the fact of me calling numerous amount of times that these inquiries are false and fraudulent, especially since they are not attached to any accounts whatsoever. I have already sent in the correct documents to prove my case yet they automatically respond to the documents not being valid and they responded without full verification of these inquiries. They are intentionally reporting these 5 inquiries after being made aware of these inaccuracies which violates my rights as a consumer. I DEMAND THESE INQUIRIES TO BE REMOVED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. 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 explanation
Consumer complaint received 2022-09-26 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: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$470.00} XX/XX/XXXX XXXX # XXXX {$880.00} XX/XX/XXXX XXXX # XXXX XX/XX/XXXX THE FOLLOWING ACCOUNT ARE REPORTED INCORRECTLY

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 2022-09-26 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: NY

Complaint narrative:
I don't recognize this account, I have never applied for this creditor. 
I believe, that someone used my personal information to apply for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hard inquiries was discovered on my account XXXX XXXX Capital one bank USA XX/XX/22

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I am the co-signer of a loan that my husband took out. Due to XXXX, I contacted Climb XXXXXXXX XXXX to pause payments for a couple of months due to being out of work. Since reactivating the payment plan, we are unable to make payments due to an issue on their side. We have contacted them upwards of 10 times trying to resolve this issue as it is severely affecting both mine and my husbands credit, but we are constantly being told that someone will call us to follow up, and nobody does. From the information I have gathered, they have sold our loan to another company who is out of state and therefore can not legally accept payment from us. We need this issue resolved ASAP as my credit has plummeted due to their lack of help and responsibility in this situation. We owe approximately {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
To whom this may concern, I, XXXX XXXX, have encountered a great big mess of issues with chime or XXXX XXXX XXXX. As I started to log in to my account it then rejected me and said my account was closed. Although, I did all the necessary steps to find out why, the company could not give me a reason as to why my account had been closed. Also, my XXXX XXXX XXXX check was deposited this same morning only to find out I could not access my benefits. I've called and called and emailed them only to get no response! If you could help me find my money that would be great! I have believed that I have been a faithful chime customer and representative for them for quite awhile now. If you could help me out I would greatly appreciate it. Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
TransUnion is intentionally reporting inaccurate credit inquiries on my credit report after the fact of me calling numerous amount of times that these inquiries are false and fraudulent, especially since they are not attached to any accounts whatsoever. I have already sent in the correct documents to prove my case yet they automatically respond to the documents not being valid and they responded without full verification of these inquiries. They are intentionally reporting these 5 inquiries after being made aware of these inaccuracies which violates my rights as a consumer. I DEMAND THESE INQUIRIES TO BE REMOVED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
TransUnion is intentionally reporting inaccurate credit inquiries on my credit report after the fact of me calling numerous amount of times that these inquiries are false and fraudulent, especially since they are not attached to any accounts whatsoever. I have already sent in the correct documents to prove my case yet they automatically respond to the documents not being valid and they responded without full verification of these inquiries. They are intentionally reporting these 5 inquiries after being made aware of these inaccuracies which violates my rights as a consumer. I DEMAND THESE INQUIRIES TO BE REMOVED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/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 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Tried to send my daughter a XXXX for the amount of {$80.00} because it was a new account it flagged it for possible fraud then received an email stating my account would be closed for no reason given and that my funds would be held for 30-60 days while my account closing would be processed to expect whatever funds I had in the accounts to mailed to my current address.

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 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NC

Complaint narrative:
I received a notice from Afni, Inc., dated XX/XX/2022. It stated that my account with XXXX XXXX ( since closed ) had a total debt of {$240.00} and informed me that I could call or write to Afni, XXXX by XX/XX/2022 to dispute the statement. 

On XX/XX/2022, I wrote to Afni, Inc. at the email address provided. I stated that the notice claiming I owed {$240.00} on my XXXX account as of XX/XX/XXXX was incorrect. I attached a screenshot of my XXXX account page showing {$0.00} due and that all amounts have been paid in full and a screenshot of my online banking statement showing that {$240.00} was withdrawn on XX/XX/2022. 

I also provided my XXXX account number and Afni, Inc. 's reference number and asked that they confirm that I had no debt owing and that this incorrect collection notice would not affect my credit rating within 5 business days. A week has passed, and I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 an 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 recods of convictions of crimes which antendates the report by more than 7 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 innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: NY

Complaint narrative:
I don't recognize this account, I have never applied for this creditor. 
I believe, that someone used my personal information to apply for it.

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 2022-09-26 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: NY

Complaint narrative:
I don't recognize this account, I have never applied for this creditor. 
I believe, that someone used my personal information to apply for it.

Company response to consumer: Closed with explanation