vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX SSN : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Experian/Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached copies of FTC Identity Theft Criminal Complaints # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention an issue regarding a money transfer that I made on XX/XX/XXXX. the transfer was intended for my grandmother. however, it has not been delivered as expected. upon contacting MoneyGram, I was informed that a verification process needs to be initiated, which could take up XXXX  days. regrettably, I can not afford to wait for such a prolonged period as my grandmother urgently requires the funds. 

despite multiple follow-ups, I have been advised to wait due to an ongoing investigation. however, I am growing increasingly concerned as it has been a month without any resolution. I would like to request for the cancellation of this transfer and a prompt refund of my XXXX XXXX.your attention to this matter is greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX along with two other times before that XXXX federal let two purchases of XXXX and {$300.00} go through without the dud being available and then charging me the nsf fee for both transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This accounts is hurting my ability to obtain credit.It 's my understanding that the credit bureaus will investigate this account for me to ensure acuracy here is the account I am asking you to verify as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This accounts is hurting my ability to obtain credit.It 's my understanding that the credit bureaus will investigate this account for me to ensure acuracy here is the account I am asking you to verify as accurate.

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MN

Complaint narrative:
My account was stolen on XX/XX/year> in XXXX was took out of my account my information was deleted by whom ever did it so I reported fraud same day so they told me to make new account and would I like to receive my refund to new account I said yes that's in agreement they made so on XX/XX/year> I was refunded XXXX but they still put back on account that was stolen in my information was no longer in account but the agreement was to refund to new account And refused to help or explain when I have all the proof information provided that identify me Or to do what was offered and requested in that's unacceptable and unsatisfied when I have rent do I have all the emails screenshots and id everything need it but they wouldn't listen or bother to help when I'm trying to explain I'm not happy with the service at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXXh ( Case XXXX ) Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of Authorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) XXXX XXXX XXXX XXXX XXXX. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX  XXXX : Balance : {$360.00} | Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX : Balance : {$650.00} | Date Fraud Begun : XX/XX/XXXX XXXX  XXXX : Balance : {$3100.00} | Date Fraud Begun : XXXX XXXX, XXXX XXXX Avant : Balance : {$1100.00} | Date Fraud Begun : XXXX. XXXX, XXXX XXXX XXXX XXXX : Balance : {$1000.00} | Opened : XX/XX/XXXX I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Request for Removal of Inaccurate Personal Information Dear Sir/Maddam, XXXX am writing to formally request again the removal of outdated and incorrect personal information from my credit report. Maintaining accurate personal details is essential to ensure my credit file is correct and does not cause confusion or impact my creditworthiness. 
The following information on my credit report is incorrect or outdated and should be removed immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX I am attaching a copy of my government-issued ID. 
Please update my records and provide written confirmation once these corrections have been made. If this request can not be fulfilled, please provide the specific reason and the source of verification used to retain this outdated information. 
I appreciate your prompt attention to this matter. Please respond within 30 days, as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Climb Credit Inc.
State: CT

Complaint narrative:
Did a cybersecurity bootcamp with XXXX with Climb Credit being the private loaner in XX/XX/XXXX. As advertised from the XXXX, it seemed to set people up to get a job in the IT field and support students through the process for people that had XXXX experience in the field and subjecct. It looked like a great alternative to traditional degree programs. However at the end of the bootcamp, all that was given was a certification of completion on the course and a voucher for an exam valued at ~ {$250.00} dollars and access to the material for some time after the bootcamp had ended. Climb credit 's loan was for {$11000.00} and had a 1 year payment plan or a 2 year payment plan of $ 500 monthly which I had to choose since I did not and do not have the full amount to pay it back. It seemed great because the loan did not start until 2 months into the XXXX  which I thought would be fine seeing as I thought I would be in a position to move up in the XXXX XXXX and pay it. It is now 7 months after the bootcamp ended and I have yet to seek employment even after self-teaching a certification that covers the industry standard of the XXXX XXXX  which the bootcamp did not cover. When going back to seek information or assistance from the program it is completely gone and as of XX/XX/XXXX it is no longer available and I have no way of contacting anyone to see how I can dig myself out of the financial hole that I was led to believe would not be an issue. The whole bootcamp felt like a huge over-promise and regrettably I was so eager to jump at an opportunity to start a career I took it and I left with a {$12000.00} bill and monthly payments that have drained me to the XXXX with no experience or credible education to help in a job search.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XX/XX/year> - Erroneous charges appeared on my XXXX XXXX card issued by Synchrony Bank. I contacted them to make them aware I did not make a purchase and suspected fraud. They canceled my card and reissued me a new card and card number. This caused my account to go over limit by {$600.00}. 
XX/XX/year> - I received an email from the retailer, XXXX XXXX stating XXXX or more duplicate transactions had been processed to my Synchrony credit account. I communicated with them this was completely unacceptable that the credit card issuer knew nothing about the charges, which resulted in my filing a fraud claim. XXXX XXXX apologized for the confusion and inconvenience regarding the matter. They stated they would be issuing a {$75.00} credit to the card as a good faith gesture. 
XX/XX/year> - I checked my account and confirmed a {$75.00} credit had been applied to the balance. 
XX/XX/year> - I checked my account and found that Synchrony had reversed the {$75.00} credit. I was informed it was only meant to be a temporary credit, which is factually incorrect as the retailer issued the credit directly to the account. 
XX/XX/year> - I filed a dispute with Synchrony to have the {$75.00} credit re-applied to my account. 

Synchrony has since closed my dispute. They have not re-applied the {$75.00} credit. They sent me mail correspondence asking for more information. I have submitted that form to them via fax as well as copies of emails from the retailer stating the amount of the credit, {$75.00}, and the reason it was issued to my account. I have also requested all accrued interest during the time be credited retroactively. Additionally, Synchrony lowered my credit limit from {$800.00} to {$500.00} due to the over limit issue that occurred through no fault of my own. This has caused a negative effect on my credit score, lowering it significantly. They refuse to resolve this situation even though documentation has been provided directly related to the credit, and the ramifications of incorrect reporting and lowering of my credit limit continues to negatively impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information is XXXX & Experian & Equifax have not fully investigated as per the FCRA. Experian & Equifax have violated several laws in not investigating this. Based on true original date of delinquency this is to be removed. I have tried multiple times to get XXXX XXXX XXXX XXXX removed due to the inaccuracy.

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 2025-03-03 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief
Consumer complaint received 2025-03-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We were told from this vet that our bill was {$1600.00} and at that time our dogs was doing better and we decided not to recieve any additional services, so we got our dog and didn't stay the anticipated time the docter had said. So when we finally looked at the bill we say that they had billed us for {$2200.00}, which were services we did not recieve because we checked our dog out. We have tried to work this out with Wells Fargo and have not had any luck. Please help, because our dog did not get the services I checked on the attachment enclosed. Please review XXXX and you will see that this XXXX XXXX XXXX XXXX XXXX has a pattern of doing this type of business to their customers. Please read their reviews on XXXX  and see their XXXX rating. I am requesting a refund of XXXX which is the difference between the intial amount of {$1600.00} and the {$2200.00} they up charged me.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I went to Experians XXXX website for a copy of my consumer credit report. XXXX promises at the home page of their website : Access your free XXXX Credit Report or Score ANYTIME. Experian has all of my current information. There is NO credit freeze, and NO fraud alerts, and NO active alerts of any kind on my credit file with Experian / XXXX. I am entitled by law, by right, and by regulation to a FREE copy of my XXXX  consumer report. Yet, Experian XXXX XXXX have refused to process my online request for a consumer report. I have provided the exact, accurate personal identifying information during my request Correct Name, Correct SSN, Correct DOB, Correct Mailing Address. All of which accurately align with Experians records. However, Experian XXXX XXXX have refused to provide a copy of my consumer report, and are holding my consumer report hostage unless I provide them with a copy of my State DL, a copy of my SSN Card, and a copy of a recent Utility bill. This company, who has a long history of violating the LAW, and violating consumer and personal RIGHTS, has NO RIGHT to collect, process, and store these PRIVATE AND PROTECTED documents. There is no discrepancy between the information I provided to them during the request, and the information they have on file. This company freely and easily provides third-party Credit Issuing companies a copy of my consumer report without the need or request for these documents. I am demanding this consumer reporting agency process the information provided by me at their website, and send me a copy of my report as required by law. XXXX Reference Number : XXXX. Additionally, I am demanding compensation in the statutory amount of {$1000.00} for this violation. Ref ; XXXXXXXX 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 2025-03-03 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: MD

Complaint narrative:
Transunion has illegally placed false information on my credit report again regarding XXXX XXXX. There is a direct violation of FCRA rules that Transunion has repeatedly violated. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), credit reporting agencies are prohibited from reinserting items previously deleted from a consumer 's credit report. If the information is reinserted, the credit reporting agency must notify the consumer in writing within five business days of the reinsertion. TransUnion has yet to notify me or their illegal activity .I am providing the information from TransUnion.

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 2025-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year> I received a notification about three hard inquiries on my credit report from XXXX the inquiry was from Capital One Auto finance, XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorising these companies to access my credit report. I was looking at cars only thing I remember was inquiring about the vehicle I never a loan or anything for the car as I didnt have interest in it. It has negatively affected my score and I would like for it to get fixed.

Company response to consumer: Closed with explanation