vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
XX/XX/2022 I called Western Union and was told that I would have to pay them {$15.00} for a copy of the money order that was stolen and cashed by someone during transit from the post office located on XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I should not have to pay for fraud that was committed by someone. They refuse to tell me who cashed the money order which is needed to file a police report. The money order is for {$20.00}, ( XXXX money order serial number ) and they want me to spend {$15.00} for a copy. A friend had a money order stolen and cashed also and paid {$15.00} for a copy of the front and back of the money order and Western Union kept giving them a blank copy of the back of the money order. They refused to show who endorsed and cashed it and kept giving excuses on why they couldn't provide this information. 

Please allow 6-8 weeks for processing this request. You will be notified by mail with one of the following search results : 1. Item cashed - You will receive a photocopy ( front and back ) of the cashed Money Order. 

https : //www.westernunion.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/2022 I submitted a complaint to cfpb # XXXX it was in regards to this same account regarding XXXX placing this old account with a collection company regarding the balance on this account. I reached out to XXXX and never had follow up in regards to the balance discrepancy, then I received notice from XXXX XXXX XXXX ( a collection company ) who SUSPENDED COLLECTION ACTIVITY. I do not owe XXXX {$340.00}. The account was closed on XXXX and I've had the account for XXXX and it's not shown up on my credit report until now. I paid XXXX {$260.00} on XXXX and {$280.00} on XXXX. XXXX has acknowledge the {$280.00} for XXXX but not the XXXX payment of {$260.00}. Where did the payment go? I have the cancelled checks which is all included in the aforementioned cfpb complaint in regards to this matter.

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/2022 I submitted a complaint to cfpb # XXXX it was in regards to this same account regarding XXXX placing this old account with a collection company regarding the balance on this account. I reached out to XXXX and never had follow up in regards to the balance discrepancy, then I received notice from XXXX XXXX XXXX ( a collection company ) who SUSPENDED COLLECTION ACTIVITY. I do not owe XXXX {$340.00}. The account was closed on XXXX and I've had the account for XXXX and it's not shown up on my credit report until now. I paid XXXX {$260.00} on XXXX and {$280.00} on XXXX. XXXX has acknowledge the {$280.00} for XXXX but not the XXXX payment of {$260.00}. Where did the payment go? I have the cancelled checks which is all included in the aforementioned cfpb complaint in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX  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 2022-08-10 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: PA

Complaint narrative:
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' Equifax Information Service LLC. '' A Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened dispute with CitiCard. After no response, created dispute with this agency XXXX and credits were temporarily provided. Citi has just informed me that, without any receipt, a company XXXX XXXX has " credited my account '' and they have reapplied a charge for {$500.00}. I do not have an account with XXXX and note that there have been several incidents of fraud notifications, related in some way to XXXX. 

I have escalated to Citi 's executive response team and awaiting a response, but this is absolutely unacceptable.

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 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Google Compare Credit Cards Inc.
State: MI

Complaint narrative:
Original complaint that Google was charging for ad placements and running ads before approval of ads across various social media platforms. These product ads were being rejected across social media platforms as incomplete, disapproved, unverified, or rejected and linked to Google Ads platform. Google ran those ads knowing and ignoring these ads were listed as incomplete. 

Google uses small business ad placements as place holders or proxy ads for big business to target ad promotion and or dominate ad placement. 

Google uses ad manipulation to favor big business while small business experience little or none in gain, profit, or return on investment. 

Google fails to secure privacy information. 

Google has caused suspension of all social media and eCommerce platforms such as XXXX, XXXX, XXXX, XXXX, XXXX, and others search engine platforms. 

Google is limiting the exposure to the business site and requesting payment method be added after offering the deception that the business site could be promoted free while limiting exposure ; ( XXXX XXXX XXXX/ ) Google uses its header tag code algorithms to track and identify placement of ads for profit. 
Google is not a search engine. 
Google is an Internet marketing service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CA

Complaint narrative:
I have been demanding to have these accounts removed with Transunion and XXXX, and they refused to do so. I have been in communication with Transunion and XXXX, they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf. They did not respect my rights to privacy, nor did the have any written instructions from me pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ). Please see the following TRANSUNION accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of education/XXXX  Dept of education/XXXX XXXX XXXX XXXX XXXX ADDRESSES THERE SHOULD ONLY BE 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 ADRESS THERE Should only be XXXX XXXX XXXX XXXX XXXX XXXX NAMES Should only be XXXX XXXXXXXX Thank you

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 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In XXXX LVNV Funding collection agency placed an unknown account on my credit and decided to sue me for it. I answered the complaint and appeared in court- however a representative from LVNV Funding did not show so the case was dismissed. Case # XXXX. After that, LVNV Funding continue to place the account on my credit every year. Once I dispute it- it gets removed. I need for the harassment and the bullying to stop. I was in the middle of financing and was denied because of the account being placed on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
I lease a lexxus I believe 2014, about 9 years ago. At the time I right before I return the car. I spoke with a repesentative ( a Few ) which they all gave me different quotes on what was due. First person I spoke to told me didn't owe anything on the lease. So I thought I was done. for a total of year or two it went from not owing the company from XXXX XXXX XXXX. I was frustrated with all the different customer service and no one putting notes in.. Until one person finding the true amount. When I did agree to pay that amount they two came with this crazy amount. Now I am receiving calls and letters from debt collectors. I will not pay a fee that I know I don't owe. I'm am very dissatisfied with this company. Please be careful when it comes to leasing from XXXX. You have to pay extra fees, taxes that they are liable for, but at the end of your lease you will be charge outrageous cleaning fees,. I will never lease nor buy from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NC

Complaint narrative:
I noticed that the XXXX XXXX Accounts on my credit report were reporting different information for all three credit bureaus. The inconsistent and inaccurate information ranged from different dates for the last payment, last activity, account status and more. I sent 5 letters to all 3 credit bureaus requesting they investigate the inaccuracies on the XXXX XXXX XXXX. XXXX has failed to respond to any of my requests. 

I sent a letter to XXXX, Experian and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting they do an investigation to ensure the accounts were reporting accurately ( letters attached ). 

Experian is reporting in the balance history a balance of {$16000.00} starting in XX/XX/XXXX. They are also reporting that in XX/XX/XXXX a {$50.00} payment was made. However, the months to follow still show a balance of {$16000.00}. How is that possible? Why are they saying I made a payment? And if I did make a payment why is the balance still the same? I pointed this out in my last letter and they came back with the account being verified as accurate ( see Experian error attachment ). XXXX and XXXX is reporting the same balance. 

Experian responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) and XX/XX/XXXX questioning my identity. 

XXXX has not responded to any of my letters.

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 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did a Wire transfer in Bank of America, they called me about security alert and I told them Yes I did the transfer, but I called them in order to cancel it, I ve been calling several time, an anyone is able to help me. The amount is XXXX usd.

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 2022-08-10 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: Chime Financial Inc
State: LA

Complaint narrative:
My bank account was hacked several times with the starting date of XX/XX/2022. I contacted my bank letting them know that fraudulent activity was taking place in my checking, savings, and credit builder account. I have provided all the information that Chime Bank asked of me and it still hasn't gotten me my back. I feel that a proper investigation has not been done with the disputes that filed with them. All my claims have been closed in less than a week. On my account it shows purchase from from a whole other state that I have never ever been to in my entire life. The 60 plus representatives that I have conversed with and numerous numbers of emails has gotten me no where at all. The hacker got into my account several times and changed my email, phone number and password. Yet, when I call to get back into my account I get questioned and made to feel like I am the villain and not the victim. This situation has take a toll on my health and well- being. All I ask for is MY money be returned to me so that I close this chapter with this bank and MOVE on. Until then I will consistently fight for my hard earned money be given back to me. This ridiculous to have to go through this with a bank that I though that I THOUGHT I could trust. I WANT MY MONEY BANK CHIME BANK!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/2022, I opened an 2 year CD with Bread XXXX in the amount of {$40000.00}. The next day I called to see if I could cancel the CD. The customer rep said I could because the funds have not been transferred and he cancelled the CD. A few days later I check the account which I do have another CD with Bread Savings and saw that the account had been funded and the CD opened. I thought I had been too late to cancel the CD. This was not a problem for me. I would leave the CD for the 2 year period. A few weeks later I checked my 2 CD accounts and there was only one. I then checked my bank account in which I had funded the CDs with. Bread XXXX had refunded my account with {$39000.00}. They had charge me with the penalty of {$590.00}. I called Bread XXXX and explained that the CD should have be left opened or the full amount should have been returned. The Cust rep referred it to another group and said they would contact me. A few days later They said based on there investigation no errors were made. I have been emailing them using Bread XXXX 's Site. They will not respond anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 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:
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' TransUnion '' a Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days

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 2022-08-10 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: LEXISNEXIS
State: IL

Complaint narrative:
XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy. 

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The have violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 A. States I have the right to privacy. 

According to : 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 According to : 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 response to consumer: Closed with explanation