vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: VT

Complaint narrative:
On XX/XX/year>, I sent a {$4900.00} USD MoneyGram transfer to my cousins bank account in XXXX ( XXXXXXXX XXXX XXXXXXXX, formerly XXXXXXXX XXXX XXXXXXXX ). The reference number provided by MoneyGram is XXXX. 

Immediately after sending the funds, MoneyGram emailed me confirming that the money had been successfully deposited into the receivers account on the same day. 

However, the receiving bank informed my cousin in writing that they never received the funds, and that the document I provided from MoneyGram is not a XXXX or settlement confirmation. They stated the funds are not in their system. 

Since then, I have contacted MoneyGram multiple times and have been assigned three separate case numbers : XXXX ( initial case ) XXXX ( investigation case told it would take 10 business days ) XXXX ( dispute case told it could take 21 calendar days ) Despite these case numbers, MoneyGram has refused to provide any proof that the funds were actually sent to XXXX or through which payout partner the deposit was supposedly made. 

On XX/XX/XXXX, MoneyGram sent me a new email claiming that they are now unable to locate any transaction matching my reference number or my name, even though they previously confirmed the transaction existed and was deposited. This contradiction is extremely alarming and suggests a possible internal system error or mishandling of my funds. 

I have sent screenshots, payment receipts, and the email from MoneyGram confirming the deposit, yet they continue to provide conflicting information and no documentation. 

The receiving bank refuses to speak with me because I am not the account holder, and I can not initiate a trace from their side without a sender-side confirmation that MoneyGram refuses to provide. 

This is a significant amount of money for me. The funds are currently missing, and I am receiving contradictory and inconsistent information from MoneyGram while being denied the documents needed to investigate the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: KS

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX ( Account : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the following account : Creditor : XXXX XXXXAccount Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Closed : XXXX Balance : $ XXXX Past Due : $ XXXX : Charge-offDate Updated : XX/XX/XXXX Remarks : UNPAID BALANCE CHARGED OFFEstimated Removal : XXXX/XXXX After reviewing my credit report, I believe the information listed above is inaccurate and/or incomplete, and therefore should be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specific Issues With This Reporting ( You may keep all or select those that applyedit as needed. ) * The balance, past due amount, or charge-off amount reported is inaccurate. 
* The date of last payment ( XX/XX/XXXX ) and/or date updated appears incorrect or inconsistent with my records. 
* The account was not properly validated or verified following previous attempts to obtain accurate information. 
* The current reporting does not reflect accurate or complete details and is causing * harm to my creditworthiness. 
Under the FCRA, credit bureaus are required to report accurate and verifiable information only. I am requesting that this account be thoroughly investigated. If XXXX XXXX can not provide proper verification of the accuracy of all information reported, I request that the account be corrected or deleted entirely from my credit report. 
Please provide me with the results of your investigation in writing. If any changes are made, please also send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-11-20 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX  - the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX  - the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX  - the inquiry was not authorized.

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 2025-11-20 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting to request a reinvestigation of XXXX accounts on my TransUnion, Equifax and Experian credit file because the information currently reported does not fully reflect my actual payment history. I am not disputing the existence of these accounts, but I have identified inconsistencies in reported late payments and dates that I would like verified and corrected so that my credit file accurately reflects the true status of these accounts, including paid-as agreed or positive/current status, in accordance with the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611. And also I am disputing the inaccurate address reported in my credit file in violation of FCRA 611. 

XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$29000.00}

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 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
Direct express blocked my account when I ordered a new card. They told me they needed ID identification to unlock my account. I sent them everything they requested several times. Since XX/XX/year> I have been trying to get access to my XXXX money. They now have over {$6000.00} of my money. I have lost my home, storage, my phone shut off and finding extremely difficult to make ends meet. I talked to the XXXX and was told there was nothing they could do. I am still receiving monthly reports from direct express but when I call they tell me I have no account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was paid off completely, yet it still shows late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
On XX/XX/year> at XXXX am, I received a phone call ( I did not answer as I did not recognize the phone number ). It was a call from a debt collector. She said her name was XXXX XXXX at Action Collection Agency of Boston and to call her back as it was extremely important that she speak to me. I had previously filed a complaint last month against XXXX XXXX XXXXXXXX for trying to collect a debt from me from XXXX XXXX and that turned out to be a case of mistaken identity as they had my first name incorrect. I even had XXXXXXXX XXXX ( the creditor ) contact XXXXXXXX XXXX  XXXX directly to tell them they had the wrong person, however, XXXXXXXX XXXX XXXX no longer contacts me. 

But I am not sure if they turned it over to another collection agency called XXXX XXXX, so I am not sure if this has something to do with that case, but if so, they have the wrong person. I do not owe any debts to anyone. I want documentation or receipts from them as they must prove I owe the debt. I am not returning their call as I am not going to give them my name or any of my personal information as it could be a scam. I want these phone calls to stop immediately. I have excellent credit and these agencies have no right contacting me, telling me I owe money when they provide no documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am filing a complaint against USAA regarding an unauthorized credit card transaction and improper handling of my disputes. 

On XX/XX/year>, an unauthorized charge for {$450.00} from XXXX XXXX posted to my USAA credit card. I did not authorize or participate in this transaction. 

I had went into the store that day to purchase snacks and a drink which totaled {$10.00}. I was charged this and am not disputing this. 

I disputed the charge with USAA twice, but both disputes were closed without proper explanation and without refunding the money. USAA has not provided any documentation or evidence supporting its decision, despite my repeated requests.

This is a violation of my rights under Regulation Z ( 12 CFR 1026.13 ), which requires a reasonable investigation and mandates that the creditor provide copies of the evidence used to deny a billing error claim.

I am requesting : A full reinvestigation of the unauthorized charge A refund of the {$450.00} Copies of all merchant documentation and investigation records relied upon by USAA Assurance that USAA is complying with federal credit card billing rights I am asking the CFPB to assist in ensuring USAA resolves this properly.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding serious inaccuracies in the reporting of my SXXXX XXXX  account ( XXXX * ) on my credit reports across Experian, Equifax, and TransUnion. Experian reports a XXXX late payment for XX/XX/year>, with a Date of Last Activity of XX/XX/year>, while Equifax also lists the same late payment for XX/XX/year> with the same Date of Last Activity. However, TransUnion reports a XXXX late payment for XX/XX/year>, with a Date of Last Activity of XX/XX/year>. These conflicting entries create a false representation of my payment history, as the dates and late statuses can not all be accurate. Additionally, I have no record of late payments in either XX/XX/year> or XX/XX/year>. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requiring maximum possible accuracy ), 611 ( a ) ( requiring reinvestigation of disputed information ), and 623 ( a ) ( prohibiting furnishers from reporting knowingly inaccurate information ). These errors have negatively impacted my creditworthiness and could lead to contradictory information being presented to lenders.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-11-20 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: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I recently reviewed my consumer report and discovered information that is inaccurate, unauthorized, and does not belong to me. I did not give permission, authorization, or consent for these items to be reported or associated with my personal credit file. These accounts/inquiries are the result of error, identity theft, or unauthorized use of my personal information. Because I did not create, approve, or participate in these transactions, they are causing substantial harm to my credit profile, reputation, and financial standing.

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 2025-11-20 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 request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
The company agreed this was not my account and that it would be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered a {$360.00} person-to-person transfer that I did not authorize. I do not know the person who received the money. Before this incident, on XX/XX/XXXX, my phone and wallet were stolen, which contained access to my financial apps. Since I no longer had possession of my device, someone was able to access my XXXX XXXX account, transfer money into my Chime account, and then send the funds to another person without my permission. 

This is the second fraudulent incident involving unauthorized transfers from my accounts after the theft of my phone and wallet. I reported the unauthorized {$360.00} transfer to Chime on XX/XX/XXXX, and I filed a police report regarding the theft and the fraud. I provided Chime with the police report and supporting documentation, but my claim was denied. 

I am requesting that this unauthorized transaction be reconsidered for reimbursement. I had no involvement in sending the funds, did not know the recipient, and did not have possession of my device at the time the transactions were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

Company response to consumer: Closed with non-monetary relief