vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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 non-monetary relief
Consumer complaint received 2025-06-10 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-10 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: VA

Complaint narrative:
I am submitting this complaint regarding a money transfer ( XXXX {$790.00} ) I initiated through MoneyGram on XX/XX/year>. I was assured at the time of the transaction that the funds would be transferred within minutes, or at most within XXXX hours. However, it has now been 6 days and XXXX hours since the transaction ( as of now ), and the money has not been delivered to the recipient. The status remains in transit, despite the fact that MoneyGram has already withdrawn the funds from my bank account. 

The funds have not been delivered to the recipient, and there has been no clear communication or resolution from MoneyGram. The delay has caused significant inconvenience and financial hardship. 

This delay is unacceptable, especially given the assurances provided at the time of the transaction. The recipient has not received the funds, and there has been no clear communication explaining the reason for this delay or providing a resolution. I have checked the transaction status multiple times and there has been no update or progress. 

After XXXX hours from the transaction, I called the customer service, but no response was given after about a half an hour verification. They only created a ticket and I was told that it would be investigated in XXXX days and they would tell me what happened to money. I tried to cancel the transaction, but the online tool and website don't allow customers to cancel the transaction. In addition, it is almost impossible to cancel the transaction. I again called the customer service on XX/XX/year>, and the customer service representative told me nothing after I repeated many times that I want to cancel the transaction. 

This situation appears to be a violation of the Remittance Transfer Rule and the Electronic Fund Transfer Act ( XXXX ), which require prompt delivery of funds and timely investigation and resolution of errors. I am aware that the CFPB has previously taken action against MoneyGram for similar violations, including failing to deliver funds in a timely manner and failing to provide appropriate refunds or explanations to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/year>

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a closed installment account with XXXX XXXX XXXX  ( also known as XXXX ) that is being reported by Equifax. The account shows a {$0.00} balance and has been closed since XX/XX/year>, yet it continues to reflect XXXX missed payments, negatively impacting my credit score. 

I submitted a dispute to Equifax requesting a reinvestigation and verification of the reported missed payments, but I received no meaningful validation of the derogatory history. There has been no documentation provided to support the late payments, and under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information. 

Given the account is paid, closed, and has a {$0.00} balance, the negative payment history should not remain without full validation. Its continued presence is causing me harm by lowering my credit score and affecting my ability to qualify for financial products. 

Equifax has failed to show proper verification despite being given a reasonable amount of time under FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$36000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$12000.00}

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 2025-06-10 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the unauthorized reinsertion of a previously deleted fraudulent account that has reappeared on my credit report. The account in question is being reported by : Creditor : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Date of Original Deletion : XX/XX/year> Date of Reinsertion : XX/XX/year> ( current report ) This account was previously removed from my credit file after I filed a fraud dispute and submitted supporting documentation. Additionally, XXXX XXXX XXXX XXXX, XXXX responded to my complaint through the Consumer Financial Protection Bureau ( CFPB ), acknowledging the account and confirming that they would honor my request for no further communication and cease reporting the account. 

Despite this, the account has reappeared on my Experian report without any written notice, as is required under the Fair Credit Reporting Act. 

This violates the following section of the FCRA : FCRA 1681i ( a ) ( 5 ) ( B ) : If previously deleted information is reinserted into a consumer 's credit file, the consumer reporting agency must provide written notice within XXXX ( XXXX ) business days of reinsertion. 

I did not receive any such notice. 

The furnisher has already acknowledged the dispute and agreed to stop collection efforts. 

The reinsertion without notice and without verifying accuracy is unlawful. 
I am requesting : The immediate and permanent removal of the XXXX XXXX XXXX XXXX, XXXX account ( XXXX XXXXXXXX ) from my credit report Written confirmation that this item has been removed A copy of all documents used to verify the account, if such a verification was completed The contact details of the furnisher and the date of reinsertion If this issue is not resolved promptly and in compliance with FCRA, I am prepared to escalate this matter with additional complaints to the CFPB, FTC, and legal counsel if necessary. 

Thank you for your prompt attention to this matter. I expect confirmation of the deletion and resolution within the time allowed by law. 

Sincerely,

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 2025-06-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Comerica
State: TX

Complaint narrative:
While attempting to sell a baby crib on XXXX XXXX on XXXX I encountered an issue with the payment transfer from the buyer. I received an email from XXXX stating that my business account had not been set up properly and in order to receive the funds from the buyer I needed to send {$400.00} which would be refunded. I called the number on the email and spoke with a XXXX representative who walked me through the process. The process became long and the XXXX representative kept asking for the transfer of more funds with out any funds being refunded back so I ended the call and reported the fraud to XXXX and called our bank. The fraud department at our bank was closed at the time so I was told to call back first thing the next morning. I called Comerica first thing on XXXX to report the claim. Several days later on XXXX, I received a letter from Comerica Bank saying that " we are denying your claim for reimbursement at this time. '' The letter quoted XXXX XXXX under XXXX 's Terms and Conditions stating that money transfers should only be made between trusted friends, family and other trusted persons. Within XXXX hours I responded to the letter on XXXX with an explanation that I had been targeted by a XXXX representative who I believed I could trust and provided screenshots of the XXXX texts and emails I had been sent during the conversation with the XXXX representative that had made me believe they were legitimate. Several days went by and I had no response. On XXXX, I sent a follow up email to Comerica on the same email thread asking to confirm receipt of my previous email and to please update me on the status. As of today XXXX, I still had no response so I called the Comerica customer service number I was provided. I spoke with a gentleman names XXXX who informed me that the case had been closed and once cases are closed they can not be reopened. He made it sound as though the case was closed when I received that first email saying " we are denying your claim for reimbursement at this time. '' even though I had not had the opportunity to provide supporting documents yet. My initial fraud claim with Comerica was over the phone and though I mentioned that I had documentation of the XXXX texts and emails, the initial claims person said to please keep them so I could provide those for the investigation. At this point it seems that I have exhausted the options that Comerica has to offer to make this right. I am filing this complaint to see if it may help us get our {$800.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$59.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$280.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$93.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX Date : 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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Please remove from credit report. Debt was removed/ closed on some reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX  XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$48000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There has been many checking and saving accounts opened and abused in my name. Fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I made XXXX payments totaling {$5500.00} to XXXX XXXX XXXX for the purchase of XXXX vehicles. The seller misrepresented the vehicles as being clean, driveable, and well-maintained. Upon pickup, XXXX vehicle had a non-functional transmission, and both were in poor condition. I returned both vehicles to the seller, who acknowledged the return but refused to issue a refund. 

I filed a dispute with my bank ( XXXX ) and provided supporting documentation, including proof of payment, photos of the returned vehicles, text messages showing the seller admitting fault and refusing a refund, and a police incident report filed with the XXXX XXXX XXXX XXXX. 

XXXX initially provided a temporary credit, then reversed it after the seller responded. I faxed a full evidence packet to Chases dispute fax line on XX/XX/year>, and have followed up as instructed, but the claim has not been reopened for proper review. I am requesting that XXXX reconsider the dispute under Regulation XXXX based on the full scope of misrepresentation and evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief