vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/XXXX I did send money to XXXX, and I did provide the information requested on the page online by Money Gram, the XXXXXXXX XXXX XXXXXXXX did not accepted the transfer becouse of lack of information provided by Money Gram ( online page ) ( did not comply with the requirments by the XXXX XXXX, like XXXX, and other information needed by the XXXX XXXX ), The XXXX XXXX  decliened the transfer, Money Gram cancel the tranfer, and then my Bank did not accept the refund becouse the policy that they have exced the amount of deposit ( refund ) restrictions that my bank has, I did contact my bank and ask me to ask Money Gram to split the amount of my refunnd, Money Gram refuse to do so, I ask money gram to give a credit of the refund so I keep sending money to the same reciver and they refuse and also ask Money Gram to send me a check of the refund and They also refuse.now we are on XX/XX/XXXX and still dealing with this issue, and Money gram refuse to give my money. Money Gram said that they always refund the money even if thay can refund the money to original card used to make the transfer but when I ask them about excalate to the next step becouse the policy my bank has, they come back saying that I need to call my bank again .and all of this has been repited again and again all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I am writing to file a formal dispute and demand immediate corrective action regarding the mishandling of my personal information as a result of the XXXX XXXX and XXXX data breaches. These breaches, which exposed my sensitive personal and financial information, have caused significant harm, including fraudulent activity and inaccurate reporting on my credit file. 

The breach of trust by these institutions has left me vulnerable to identity theft and financial fraud, which has already resulted in unauthorized accounts being opened in my name and incorrect reporting on my credit. This is unacceptable, and I expect the Consumer Financial Protection Bureau to take swift and aggressive action to rectify these issues.

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 2025-01-27 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: SC

Complaint narrative:
I am writing to file a formal dispute and demand immediate corrective action regarding the mishandling of my personal information as a result of the XXXX XXXX and Equifax data breaches. These breaches, which exposed my sensitive personal and financial information, have caused significant harm, including fraudulent activity and inaccurate reporting on my credit file. 

The breach of trust by these institutions has left me vulnerable to identity theft and financial fraud, which has already resulted in unauthorized accounts being opened in my name and incorrect reporting on my credit. This is unacceptable, and I expect the Consumer Financial Protection Bureau to take swift and aggressive action to rectify these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I can not understand why it is there. I checked my report as usual, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was just a glitch, but it wasnt. The issue remains unresolved, and I demand a thorough review of the documents Ive provided so this doesnt happen again.

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 2025-01-27 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: CA

Complaint narrative:
I opened a XXXXXXXX XXXX XXXX XXXX with a limit of {$3100.00}, used it responsibly, and made all my payments on time. A few months later, I received a letter from XXXX saying my account would be closed. When I called to ask why, they wouldnt give me an explanation. I filed a complaint and eventually received an answer stating that the account was being closed due to a " past account '' with them from around 2012. I insisted that they open a fraud investigation, because i have never had an account with them before which they agreed to. However, in the meantime, my account was still closed. I paid the card off in full shortly after learning of this. 

Later, I received a letter confirming I wasnt at fault, the " previous account '' was indeed fraud and that all negative history related to the account would be removed from my credit report. Despite this, I expressed my dissatisfaction about the account closure, as it was no fault of mine. They refused to help, and when I asked for assistance in removing the current account from my credit report, they told me that my account had been purged from their systems and they couldnt do anything further.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive been through XXXX  XXXX, and while I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.

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 2025-01-27 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: NY

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I had purchases I needed to dispute with cash app and a customer service representative or live agent was not available for me to speak with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( block, Inc. ) due to an adequate customer service and unfair practices, which violate the consumer financial protection act in ( CFPA ) specifically Cash App fail to take timely and effective measures to prevent the address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
This company is breaking the law by failing to provide proper validation. Details as required under 15 USA 1692G. Despite this, they've added a collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CL Holdings LLC
State: SC

Complaint narrative:
This company is breaking the law by failing to provide proper validation. Details as required under 15 USA 1692G. Despite this, they've added a collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention XXXX repeated failure to conduct a proper investigation into my concerns. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I have attempted to rectify this matter with Equifax five times, specifically regarding the XXXX XXXX XXXX account. Each time, they have returned the same response, failing to address the inaccuracies. Most recently, I submitted my fifth claim, and Equifax responded within hours on the same day, providing the same outcome as before. 

This raises significant concerns about the methods Equifax is using to verify and investigate disputes. I have clearly communicated that the information on the XXXX XXXX XXXX account is inaccurate and incomplete. Furthermore, it does not match the data reported by other credit bureaus, and my supporting documentation demonstrates these discrepancies. 

I hereby request that CFPB : 1. Conduct a thorough reinvestigation of the disputed account, XXXX XXXX XXXX, and provide details on the methods used to verify this information. 
2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy any relevant supporting documents, including all five claims I have submitted to Equifax, are enclosed to facilitate your investigation. 

If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to complain about Zelles handling of disputes within the use of this companys platform. Despite many disputes and issues Zelle and my financial institution failed me on numerous occasions by not fully investigating my disputes to the fullest. They told me I couldnt retrieve the lost funds back nor track the transactions to see who was using the funds unauthorized out of my account. The CFPB states that Zelle has failed many consumers and has allowed many fraud and scammers to continue to keep doing what there doing at the expense of the consumers. The lack of accountability and transparency on Zelles part is very unacceptable and raises a lot of concern about us the consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CreditNinja Lending, LLC
State: FL

Complaint narrative:
Hello, Sir/Madam. 

I have been the victim of identity theft. I recently discovered that my personal information was used to open an account with the original creditor, Credit Ninja. 

I did not open or authorize this account, thus I request that it be closed immediately. I also ask that you absolve me of any charges on the account and take all required steps to remove information about this account from all records as soon as feasible!!!! 

A copy of my Identity Theft Report, which backs up my claim, is provided, along with copies of my Clarity Report and FTC ID Theft Report. 
A copy of the CFPB 's Notice to Information Furnishers is also given, which details your responsibilities as a provider of information to credit reporting bureaus. As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must stop providing identity theft-related information to any CRA. 

The Notice also specifies your responsibilities when a CRA tells you, in accordance with Section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft. 
These responsibilities include refraining from providing inaccurate information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection. Please investigate this problem, deactivate the account, clear me of any charges, adhere to the Fair Credit Reporting Act 's obligations, and send me a letter describing your findings and actions. 

IN ADDITION, I HAVE EMAILED, CALLED TO GET THIS ACCOUNT REMOVED WITHOUT FAIL AND THEY CONTINUE TO LIE LIE LIKE BUTTERFLIES!!!

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 2025-01-27 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: CA

Complaint narrative:
I am experiencing an issue with my credit report due to inaccurate reporting by multiple companies, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I submitted disputes to Experian for the listed accounts, with the most recent submission on XX/XX/year>, but these issues remain unresolved. 

Specifically, I believe the failure of these credit reporting agencies to investigate and correct the inaccuracies is connected to the ongoing class action lawsuit against Experian and XXXX, which alleges that these companies have failed to properly handle consumer disputes and have violated consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to work directly with these companies to resolve the inaccuracies, my credit report still reflects erroneous or incomplete information. This is directly impacting my credit score and financial standing. 

The details of the dispute are as follows : Date Submitted to Experian : XX/XX/year> to XX/XX/year> Account Numbers : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) XXXX ( XXXX  XXXX ) I have provided supporting documentation, including statements and previous communications, to Experian and the companies involved, yet no progress has been made in addressing these inaccuracies. I believe this issue is a direct result of the systemic failures alleged in the class action lawsuit ( case number if applicable ), and I am requesting that these errors be corrected 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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have called Capital One about them releasing my deposits to me since my account is not in the negative or under a dispute and they have failed to to do so in the last three weeks and haven't tried to send it to my external or mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
ALDOUS AND ASSOCIATES XXXX XXXX XXXX XXXX, Utah XXXX Subject : Formal Dispute of Fraudulent Account I would like to formally dispute the account referenced below, which has been fraudulently opened in my name without my knowledge or consent. Under the protections of federal law, specifically the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), and the Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ), I am requesting that you immediately investigate this matter, close the account, and remove all fraudulent records associated with it. 

Account Details : Account Number : Unknown Creditor/Company Name : ALDOUS AND ASSOCIATES Account Opening Date : XX/XX/XXXX I became aware of this fraudulent activity on XX/XX/XXXX when I became aware of this fraudulent account when I reviewed my credit report and noticed an account I did not recognize. I also did not authorize or make any direct transactions with this company. ]. I have already taken the following steps to address the issue : XXXX. Contacted the major credit bureaus to place a fraud alert and/or credit freeze on my account. 

Under the FCRA, you are obligated to : Investigate my claim of fraud within XXXX  days, as per XXXX U.S.C. XXXX. 
Cease reporting inaccurate or fraudulent information to the credit reporting agencies during the investigation ( XXXX XXXX. XXXX ). 
Remove all records of the fraudulent account from my credit report once confirmed as fraud ( XXXX XXXX. XXXX ). 

Additionally, under the Identity Theft and Assumption Deterrence Act, identity theft is a federal crime, and any unauthorized use of my personal information must be addressed immediately. 

Please confirm in writing that this account has been removed and provide a written statement verifying that I am not responsible for any debts or charges associated with this account. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX is filing a CFPB complaint to request that the credit reporting agencies XXXX, Experian, and XXXX block and delete fraudulent information from their consumer credit reports under FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent items in question are : A home service account opened at XXXX on XX/XX/XXXX. 
A collection account from XXXX opened on XX/XX/XXXX, with a balance of {$670.00}, which appears related to the XXXX account. 
XXXX does not recognize the above accounts or collections, stating they were not opened or initiated by them and are the result of identity theft and fraud. To support this claim, XXXX has attached a copy of the FTC Identity Theft Criminal Complaint ( Case # 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