vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the accuracy of a collection account that appears on my credit report. The details of the account are as follows : Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Account Number : [ If available ] Amount : [ {$1500.00} / {$1200.00} / {$1400.00} ] Date Reported : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ] I am requesting that you provide written verification of this debt, including proof that I am legally responsible for it. According to the Fair Credit Reporting Act ( FCRA ), any information that can not be verified must be removed from my credit report. 

If you are unable to provide sufficient documentation proving the validity of this debt, I request that you delete this account from my credit report immediately. Please send me a written confirmation of your findings within XXXX days of receiving this letter. 

Enclosed, I have attached a copy of my credit report with the disputed account highlighted, as well as a copy of my identification for verification purposes. 

Please respond to this dispute at your earliest convenience. If the account is verified, I kindly request all relevant documentation, including original creditor details, signed agreements, and a complete payment history. 

Thank you for your prompt attention to this matter. You may contact me at [ XXXX ] or [ XXXX ] if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX- I used MoneyGram XXXX XXXXXXXX XXXX XXXX  ) service to send cash to my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> XXXXXXXX XXXX XXXX- MoneyGram system messages received confirmed funds were delivered to the receiving institution WSFS XX/XX/year>XXXX XXXX XXXXXXXX Inquired with MoneyGram about money not yet received and was instructed it could take up to XXXX business days XX/XX/year>XXXX XXXX XXXX- Inquired with XXXX XXXX XXXX XXXX about money not yet received and was instructed it could take up to XXXX business days XX/XX/year> XXXX XXXX Inquired with XXXX XXXX XXXX XXXX  about money not yet received after XXXX business days, requested an escalation XX/XX/year>XXXX XXXX XXXX Phoned XXXX but was instructed to work with XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  escalation emails with requests for the MoneyGram ACH trace code, to which I said I do not know what that means. Later, I phoned MoneyGram, and the agents denied me the ACH trace code. 
XX/XX/year> AM/PM EST- I phoned MoneyGram about my missing money, and the agent automatically placed it on investigation and told me to wait up to XXXX business days to hear back. Another agent later stated that it would take up to XXXX days. I requested a connection with a supervisor/escalation team. I said I was not provided with options for alternative and speedier options to recover my money but instead automatically placed into the most time-consuming investigation process and denied my receiving institution the XXXX XXXX XXXX so they could investigate. The supervisor placed an expediting request for the investigation. MoneyGram investigation responds with an email stating the denial of refund without a detailed explanation of the investigation done. MoneyGram is aware my money is still missing, and I need immediate access to funds for required work travels on Monday morning. I submitted a complaint to XXXX Ombudsman XXXX about MoneyGram.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Complaint Regarding Experians Failure to Resolve Inaccurate Credit Report Information ( CFPB Complaint ID : XXXX ) XXXX XXXX XXXXXXXX Account # : XXXX ( also the account number from Experian is incorrect ) I am writing to formally escalate my complaint against Experian for their failure to resolve inaccurate information on my credit report within the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ). My initial complaint was submitted to the CFPB on XX/XX/year> ( CFPB Complaint ID : XXXX ), and despite the legal requirement for Experian to investigate and resolve the dispute within 30 days, the inaccurate information remains on my credit report. 

Background of the Issue : On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information on my credit report. Specifically, I disputed a late payment entry that does not reflect my payment history. Under Section 1681 ( c ) of the FCRA, credit bureaus are required to maintain accurate and complete information. Additionally, Section 1681 ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

Despite these legal obligations, Experian has failed to correct the inaccuracies on my report. Furthermore, there are discrepancies between the information reported by the three major credit bureaus ( Experian, XXXX, and XXXX ), which further demonstrates the lack of accuracy in my credit reports. 

Violation of FCRA Timeline : Experian has exceeded the XXXX timeframe mandated by the FCRA to investigate and resolve my dispute. This delay is unacceptable and has caused significant harm to my creditworthiness and financial opportunities. 

Request for Immediate Action : I am requesting that the CFPB take the following actions : Investigate Experians failure to comply with the FCRAs accuracy and dispute resolution requirements. 

Enclosed Documentation : To assist with your investigation, I am including updated information from all three credit bureaus ( Experian, XXXX, and XXXX ) that highlights the discrepancies and inaccuracies in my credit reports. 

Legal Notice : If this matter is not resolved immediately, I reserve the right to pursue further legal remedies, including filing a lawsuit against Experian for their violation of the FCRA and the harm caused to my creditworthiness. 

I trust that the CFPB will take appropriate action to ensure that my rights under the FCRA are upheld and that Experian is held accountable for its failure to comply with federal law.

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 2025-03-06 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: CA

Complaint narrative:
XX/XX/XXXX {$10000.00} Merchant : XXXX XXXX in XXXX XXXXXXXX XXXX 
Bank : Synchrony Bank Filed a dispute for an unauthorized charge with the bank XXXX times and was told that the case was unable to be approved because I authorized the purchase and benefitted from it. I did not authorize this purchase, and no items were received by me. This card was opened on XX/XX/XXXX and only used once for the amount of {$4900.00}.

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 explanation
Consumer complaint received 2025-03-06 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:
Dear CFPB, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$5100.00} Reason : Unverified account

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 2025-03-06 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: AL

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX IN # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  - XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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 request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within XXXX  days. Please find the enclosed documents for your review.

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 2025-03-06 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: NC

Complaint narrative:
I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. 
Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. 
Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. 
I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. 

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. 
Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. 
Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. 
I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. 

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.

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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
They playing games trying to collect on debt that is no longer mine as it is past the statue of limitations and can't be collected anymore. They be illegally trying to collect zombie debt and intimidating me. Like they should be fined and pay me dagames for this and they need to stop hollering at me and contacting me like this! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial PRotection Burea, CFPD : RETRACTION OF INCOME DRIVEN REPAYMENT, IDR, PLAN BEING DELINQUENT FROM ALL XXXXCREDIT BUREAUS. IDR-CALCULATED MONTHLY PAYMENT OF {$0.00} ( XXXX ), MADE TIMELY, AND STUDENT LOANS ( OVER 24 YEARS ) ARE ELIGIBLE FOR CANCELLATION, BUT XXXX ISN'T DELIVERING THOSE SERVICES AND DEALING UNLAWFULLY AND ABUSIVELY BY REPORTING DELINQUENT WHEN NOT DELINQUENT. 

I, XXXX XXXX XXXX XXXX, have placed Federal Student Loans [ Servicer : XXXX ] in Income Driven Repayment-IDR, THAT IS CURRENTLY ON PAUSE, AND HAVE RESENT RECERTIFICATION, AS DURING DATES OF XX/XX/XXXX, XXXX THROUGH XX/XX/XXXX, XXXX MALICIOUSLY FALSELY-IMPRISONED IN XXXX XXXXXXXX XXXX XXXX, THROUGH NO-FAULT OF MINE . 

XXXX, servicer, has falsely reported delinquent payments on MY INCOME DRIVEN REPAYMENT PLAN, XXXX, WHERE I QUALIFY FOR CALCULATED MONTHLY PAYMENT OF {$0.00} ( ZERO ). XXXX has fraudulently reported inaccurate, adverse information to all XXXX credit reporting bureaus ( XXXX, Transunion, XXXX ), stating delinquency in the amount of {$1000.00} for XXXX & XX/XX/XXXX knowing my qualified monthly payment of {$0.00} ( ZERO ) has not been recalculated ; thus, the {$0.00} ( ZERO ) payment is considered ON-TIME AND SHOULD NOT BE REPORTED AS DELINQUENT. In addition, XXXX  has placed recertifications on pause since XXXX. I have since re-faxed recertification and priority mailed documents for TPD, Total and Permanent XXXX, Discharge of all loans, as well as, RESENDING RECERTIFICATION OF XXXX FOR IMMEDIATE CORRECTION AND RETRACTION OF STUDENT LOAN DELINQUENCY. 

AIDVANTAGE IS IN DIRECT VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692, & FEDERAL CONSUMER FINANCIAL PROTECTION ACT OF 2010 ( CFPA ). AS XXXX, a loan servicer, IS ENGAGING IN UNLAWFUL, UNFAIR, DECEPTIVE, ABUSIVE PRACTICES [ XXXX ] AND THEIR ADVERSE REPORTING CONSTITUTES FRAUD, ABUSE, TARGETED EXPLOITATION, AND EXTORTION. I AM DISPUTING XXXX ADVERSE CREDIT REPORTING AND DEMANDING RETRACTION OF SUCH REPORTING BE MADE TO ALL XXXX CREDIT BUREAUS ( TRANSUNION, XXXX, & XXXX ). I ATTEST, AFFIRM, AND CERTIFY ALL INFORMATION VERY ACCURATE AND VERY TRUTHFUL. 

BEST, XXXX XXXX XXXX XXXX PHONE : XXXX EMAIL : 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 2025-03-06 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: AZ

Complaint narrative:
XXXX. 

Contacted TransUnion, Equifax, and Experian regarding data breach. My credit report is inaccurate in many ways, and has failed to update properly. Wrong account information, balances, personal information, birthdates, address, phones numbers, work places, are all in accurate on some or all accounts listed on all 3 credit bureaus Please delete credit report for Experian, TransUnion, and Equifax

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX. 

Contacted TransUnion, Equifax, and Experian regarding data breach. My credit report is inaccurate in many ways, and has failed to update properly. Wrong account information, balances, personal information, birthdates, address, phones numbers, work places, are all in accurate on some or all accounts listed on all 3 credit bureaus Please delete credit report for Experian, TransUnion, and Equifax

Company response to consumer: Closed with explanation