vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: UT

Complaint narrative:
I used Moneygram on XX/XX/XXXX to send XXXX usd. And i git a messsage saying the money was sent with the reference number XXXX, but minutes after i got an email saying the opened a case XXXX. They lied because they said it was the receivers bank problem and i told them many times that we spoke with the branch manager ( XXXX bank ) and they are very opened to receive the money so we drove many times to the branch wasting money and time. 

Please we need our money back because we have so many things to pay for. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
I am submitting another complaint as a follow up still regarding several unresolved issues that demand immediate attention. According to FCRA section 605, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : 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 XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to XXXX or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.

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 2024-05-02 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: TX

Complaint narrative:
I am submitting another complaint as a follow up still regarding several unresolved issues that demand immediate attention. According to FCRA section 605, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to XXXX or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a critical issue regarding my credit file. 

Upon reviewing my credit report, I have discovered several items that appear to be fraudulent. These entries are inaccurate and do not reflect any legitimate financial activity on my part. It is evident that my identity has been compromised, leading to these unauthorized entries on my credit file. 

I am deeply concerned about the potential implications of these fraudulent items on my creditworthiness and financial reputation. Therefore, I urgently request your assistance in promptly removing these fraudulent entries from my credit file. 

Additionally, I would appreciate any guidance or support you can offer to help me navigate this challenging situation and protect my financial interests. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XX/XX/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 2024-05-02 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: GA

Complaint narrative:
I've been a victim of identity theft due to the XXXX  data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them.

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} 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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been a victim of identity theft due to the Equifax data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$250000.00} XXXX XXXX XXXX XXXXBalance Owed : {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$250000.00} XXXX XXXX XXXX XXXXBalance Owed : {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I trust this message finds you well. I am reaching out urgently to address a serious issue regarding fraudulent inquiries that have emerged on my account. Despite my persistent efforts to resolve these fraudulent inquiries, the matter remains unresolved. These inquiries are fraudulent and have caused me significant concern and uncertainty regarding the security of my account. I want to highlight that I have taken the step of filing a report with the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries, underlining the severity of this matter. Despite my diligent efforts to address the issue, the fraudulent inquiries persist, which is deeply troubling. I kindly request that your team takes immediate action to thoroughly investigate and remove these fraudulent inquiries from my account. I expect a swift response detailing the specific steps your company will take to address this fraudulent activity, along with a clear timeline for the removal process. Additionally, I urge you to conduct a comprehensive review of your inquiry tracking systems and security protocols to prevent similar fraudulent inquiries from occurring in the future. Ensuring the integrity and accuracy of customer information is crucial in maintaining trust and confidence in your services. Failure to resolve this matter satisfactorily may require further action on my part, including seeking assistance from regulatory authorities or legal counsel. However, I am optimistic that with your cooperation, we can resolve this issue efficiently and amicably. Thank you for your immediate attention to this urgent matter. I await your prompt response and action regarding these fraud items in my credit file : 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 XXXXXX/XX/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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXXXXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
My federal tax refund for the year 2023 was seized by an unknown company without receiving a debt validation letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have had a checking account with XXXX XXXX  since XXXX with no issues. For approximately XXXX years, I have had my XXXXXXXX XXXX  checking account linked to my PayPal account to exchange funds with friends/ relatives/ businesses, etc. 

On XX/XX/XXXX, unknown person 's unlawfully logged into my PayPal account, by unknown means, a made a fraudulent purchase through XXXX XXXX XXXX XXXX XXXX, in the amount of {$160.00}. 

I was instantly alerted via email by PayPal that my purchase was successful. Since I knew I had not made any purchases and I do not have any XXXX accounts, I logged into my PayPay account and saw not only the fraudulent purchase, but that someone attempted to set this payment to Autopay to come out of account regularly. 

I immediately changed by PayPal account password, cancelled the autopay and attempted to dispute the transaction with PayPal by submitting a complaint. The response I received was they would review it and make a decision. Within XXXX day, PayPal notified me the payment was NOT determined to be fraud and they were authorizing the payment to XXXX. 

My PayPal account, on the date of the fraudulent purchase, had a balance of XXXX from a payment from a friend who I paid for an excursion with. Therefore, PayPal used my balance and attempted to pull {$130.00} from my XXXXXXXX XXXX  checking account. 

Luckily, once I notified my bank, they stopped the payment to PayPal so my checking account balance was not affected. However, I did have to close my account and open a brand new account to prevent this from happening again. 

Now, PayPal is claiming I owe them {$130.00}, which I do not and will not pay on account of them refusing to stop the payment. 

I did reach out to XXXX XXXX ' customer service center, also. They were of no help and would not provide me with any information since I am not an account holder with them. Which is ironic because you'd think me not having any accounts with them, would also be an indication that I did not make this fraudulent purchase. 

The only information I can see regarding the fraudulent transaction, came from PayPal 's record which reflected the following : Seller info XXXX XXXX XXXX XXXX XXXX. 
XXXX Invoice ID XXXXTRAN Purchase amount {$140.00} Tax {$12.00} Total {$160.00} Paid with PayPal balance {$160.00} Transaction ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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:
Delete These Accounts As Soon As Possible From My Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a critical issue regarding my credit file. 

Upon reviewing my credit report, I have discovered several items that appear to be fraudulent. These entries are inaccurate and do not reflect any legitimate financial activity on my part. It is evident that my identity has been compromised, leading to these unauthorized entries on my credit file. 

I am deeply concerned about the potential implications of these fraudulent items on my creditworthiness and financial reputation. Therefore, I urgently request your assistance in promptly removing these fraudulent entries from my credit file. 

Additionally, I would appreciate any guidance or support you can offer to help me navigate this challenging situation and protect my financial interests. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; 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 Balance : {$570.00} ; 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 2024-05-02 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: FL

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a critical issue regarding my credit file. 

Upon reviewing my credit report, I have discovered several items that appear to be fraudulent. These entries are inaccurate and do not reflect any legitimate financial activity on my part. It is evident that my identity has been compromised, leading to these unauthorized entries on my credit file. 

I am deeply concerned about the potential implications of these fraudulent items on my creditworthiness and financial reputation. Therefore, I urgently request your assistance in promptly removing these fraudulent entries from my credit file. 

Additionally, I would appreciate any guidance or support you can offer to help me navigate this challenging situation and protect my financial interests. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; 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 Balance : {$570.00} ; XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing once again to dispute the account appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent account being opened in my name without my knowledge. While the bank has acknowledged this account as fraudulent and agreed to remove it from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

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