vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
On or around XX/XX/year>, I was expecting to receive a money transfer via MoneyGram. The transfer was sent to my bank account, but the account holder name on my bank account is my mother 's name, while I used my name as the recipient. However, the account number and XXXX code provided were correct. 
When I contacted MoneyGram support about the name discrepancy, their customer service team assured me that as long as the account number and XXXX XXXX were correct, I would receive the funds. 
Initially, the money was deposited into the account. However, it was then withdrawn/reversed by the same sender shortly after. I was told the funds would be resent and received by XX/XX/year>. 
It is now XX/XX/year> - nearly 2 months past the expected date - and I still have not received the money transfer. 
MoneyGram has provided inconsistent and contradictory information : Sometimes they claim the money has already been delivered Other times they say they are " working on it '' They refuse to take responsibility and blame the XXXX XXXX  instead When pressed for compensation for the delay, they initially promised it once funds were received, but are now denying any compensation Customer service representatives have been rude and unhelpful throughout I have been in regular contact with MoneyGram, but they continue to give me different stories and pass blame rather than resolving the issue. The funds remain missing with no clear resolution.

I am seeking : Immediate release of my funds with proof of delivery Compensation for the 2-month delay and poor service Clear documentation showing where my money currently is MoneyGram to take responsibility rather than blaming the bank The amount involved is {$680.00} and the transaction reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: CA

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

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$380.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-10-17 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate late payment entry on my credit report. Upon reviewing my latest credit report I noticed that I have an account reported that has been marked as late, XXXX XXXX XXXX with an account number : XXXXXXXX XXXX XXXX XXXX XXXX which they marked as late on the month of XX/XX/year>, this report that I found on my latest report was never showing on my prior reports. This is completely unacceptable. Under 15 U.S.C 1681e ( b ) the Fair Credit Reporting Act requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I am requesting that the inaccurate late payment entry be corrected immediately and be updated as " Paid as Agreed '' or " OK ''. I kindly ask the CFPB to assist in ensuring that this issue is resolved and that the reporting agency complies with federal law. I request your intervention to ensure the accurate update of my credit report and that my rights under the FCRA are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Hello! 

On XX/XX/XXXX and XX/XX/XXXX, I referred two of my friends to Gemini for the {$75.00} bonus. They met the {$100.00} trade requirement and I received two emails confirming that they reached recruit status and that we would receive {$75.00} in 30 days. When I did not receive the bonus, I emailed Gemini customer support and was told the requirements of meeting the bonus requirements. After that, they told me that I did receive a promotional bonus of {$74.00} but that was for a previous third referral and me and my friends did not receive any bonus. 

On XX/XX/XXXX they emailed me letting me know they would keep an eye out for emails from my friends because they wanted them to complain about not receiving the bonus as well. I followed up on XXXX and as of XX/XX/XXXX have not received further responses from them. I have reached out on XXXX as well and have not received any response. 

I attached a copy of our email dialogue, email confirmation of both {$75.00} bonuses, and a screenshot from the app confirming {$150.00} was pending. As of today, both referrals have been removed from the app and it appears like they are trying to hide them. Both have met recruit status and should have paid out in the first half of XXXX. 

Thank you for your assistance! 

Kind regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have tried a total of 6 times to have the correct address only applied to my consumer report but Experian keeps attaching addresses that do not and have never belonged to me on my report. I have sent copies of my Driver 's License and Social Security to prove my address. I do not know why or how these addresses are appearing on my report but I am asking that they be removed them and only my actual address XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX appears on my consumer report.

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 2025-10-17 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-17 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: GA

Complaint narrative:
On XX/XX/year> there is a hard inquiry from XXXX that does not belong to me. I also have 2 accounts that was not authorized or open by me with XXXX XXXX for {$200.00} and XXXX  XXXX XXXX XXXX XXXX  for {$2900.00} that was closed in or around XXXX or XX/XX/year>. I do not recognize this account, and no authorization was ever given by me to close such account either which is heavily affecting my credit at this time at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
On XX/XX/year> there is a hard inquiry from XXXX that does not belong to me. I also have 2 accounts that was not authorized or open by me with XXXX XXXX for {$200.00} and XXXX  XXXX XXXX XXXX XXXX  for {$2900.00} that was closed in or around XXXX or XX/XX/year>. I do not recognize this account, and no authorization was ever given by me to close such account either which is heavily affecting my credit at this time at this time.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am a customer of chase and I was looking on my app about re financing my car loan with them I used to online calculator to look at what I could potentially get it asks for my credit score and my details which I provided. I have attached a picture of what it gave me a potential rate of 5.49 %. I thought that was great and proceeded to apply. My credit was pulled and my credit score came up which was the same as I have inputted XXXX which is excellent credit. The quote I then received was 7.69 % which I was flabbergasted at. 
I believe that chase is falsely getting people to apply based on rates in the calculator which are incorrect. I would either like a rate closer to the advertised on on the calculator or my credit pull removed as I will not be using chase for a refinance as there rate is higher than I have currently. 
I believe this is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
I have a total of XXXX hard inquiries on my XXXX  credit report that I have not recognized and or gave consent to publish on my credit history. The listed companies and dates are what I see on my end listed from earliest to most recent, CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Those are all of the hard inquiries listed on my account that I have no knowledge of how they have gotten on my account. Id like for these to be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am disputing a medical collection account reported by XXXX XXXX XXXX on my TransUnion credit report for approximately {$1700.00}, allegedly owed to XXXX XXXX XXXX. 

The verification packet XXXX sent to me appears fraudulent and contains multiple factual errors : The phone number printed on their letter is a personal cell phone number belonging to a private individual who confirmed they have no connection to XXXX XXXX XXXX XXXXXXXX. 

The statement in the packet lists an insurance company, XXXX XXXX XXXX, which is not my insurance provider. My actual coverage at the time was XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

The same statement shows two charges ( {$1300.00} and {$130.00} ), both marked Write Off, with no indication of any remaining balance, no proof of ownership, and no signed agreement showing I owe this debt.

The provider never contacted me directly, and I was never billed by them or informed of any balance prior to this collection.

Despite all this, TransUnion verified the account as accurate without reviewing my supporting documentation, violating the Fair Credit Reporting Act ( FCRA ) 1681i, which requires a reasonable reinvestigation.

PlusFours behavior including using a personal phone number, referencing the wrong insurance company, and claiming to represent a provider that can not be reached through any known contact number raises serious concerns about misrepresentation, false reporting, and potential fraud, in violation of the Fair Debt Collection Practices Act ( FDCPA ) 807 and FCRA 1681s-2 ( b ).

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 2025-10-17 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: LA

Complaint narrative:
XXXX XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX XXXX XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX XXXX XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX XXXX XXXXnaction violates federal law and my rights as a consumer.

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 2025-10-17 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

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