vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
On XX/XX/year>, I initiated an online money transfer through MoneyGram. The money was supposed to be delivered in a few days if not hours. However, the funds were not delivered by XX/XX/year>. 

I contacted XXXX multiple times to resolve this matter. On XX/XX/year>, I contacted agent XXXX XXXX via text, and the receiver 's full bank account number was requested and I provided. XXXX XXXX escalated the case and provided a case number, which appears to have been recorded as created on XX/XX/year>, at XXXX XXXX. The agent indicated that the issue would be resolved within 10 business days.

The issue remain unsolved beyond the initial 10-day timeframe, despite further communication with XXXX and other agents. A written complaint to MoneyGram outlining the details was also submitted. On XX/XX/year>, agent XXXX XXXX was contacted, and it was stated that the investigation would take up to 14 calendar days. On XX/XX/year>, an agent on the phone informed me that the case cost take up to 90 days to resolve. On XX/XX/year>, agent XXXX XXXX also informed me it could take up to 90 days. 

Throughout this time, MoneyGram failed to proactively provide updates about the case. Extended waiting times were only communicated when the company was contacted. MoneyGram is aware that the money has not been sent to the receiving bank, the delay in the transfer service appears to be at the customer 's expense. 

The prolonged delay in resolving this issue, the lack of communication, and the inconsistent information regarding the resolution timeline are unacceptable. I request CFPB to investigate this matter and ensure that the company takes appropriate action to resolve this issue and prevent similar occurrences in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I'm writing to formally dispute and demand immediate correction of an inaccurate and harmful entry currently appearing on my credit report. This is an urgent matter that requires your full attention and swift action. 

After reviewing my report, I noticed an account that is completely inaccurate and should not be associated with me for the following reason : this account is currently involved in pending litigation. Reporting it at this stage is not only misleading, it misrepresents the facts and violates the core requirements of the Fair Credit Reporting Act ( FCRA ), which clearly states that consumer reporting agencies must maintain information that is accurate, complete, and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts. They are hurting my ability to obtain credit.

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 2025-06-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: CO

Complaint narrative:
I purchased a car online from consumer portfolio a car was supposed to be delivered to me XX/XX/2023 it was supposed to be delivered on a truck but instead a guy drove it from Ohio he had me sign one paper and then called a XXXX to take him to the airport Then it was time for me to get my plates and was told the car was not being finance it was already paid for so I accepted the title got my tags then called consumer portfolio to tell them that the car they sold me was already paid for they said it was not and that I needed to continue to pay for it I said no there is something strange going on can you please send me my contact so I can look over the paperwork they said yes but I never received it then they noticed that the title was in my possession so they started calling me and threatening me saying I forged the title and that they were going to call the police so I stopped paying on the cat because I didn't know where my money was going and after I stopped paying on it they had their attorney call me and asked me if I drove the car from Ohio I said know then as he continued to look over their paperwork he said sorry for for bothering you if I have any more questions ill contact you and I never heard from him since now my car was XXXX and consumer portfolio created a whole new title and put themselves on it as a lien holder so they could repo my car they have had it for XXXX XXXX  and they are requesting XXXX XXXX dollars for me to get it back can someone please help me with this or point me in the right direction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-30 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
Over the last month, I receive multiple phone calls and texts from Spring Oaks Capital. They ask for my date of birth, zip code, address, last 4 digits of SSN etc. When I decline, they continue to press me for information. When I block their number, they call or text from a different number. I have ran my credit report and do not owe any money to Spring Oaks or the company they report to represent, XXXX XXXX. I have never had an account with either company. The people from Spring Oaks who call claim to have information that they need to review with me, but will not do so without me confirming personal identity with my private info. When I ask them to mail me something, they refuse. They are persistent and call repeatedly as a nuisance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I'm writing to formally dispute the accuracy and completeness of certain information reported on my consumer credit report. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures ), which require consumer reporting agencies to ensure maximum possible accuracy of information.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of these disputed items. Furthermore, under 15 U.S.C. 1681s-2 ( b ), the furnisher of this information also has a duty to investigate and report accurate information.

Please remove or correct the inaccurate information from my credit report as required by the FCRA. I request that you provide me with the results of your reinvestigation, along with a free copy of my updated credit report, as mandated by 15 U.S.C. 1681i ( a ) ( 6 )

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 2025-06-30 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: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXXXXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} INQUIRIES XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have four bankruptcies shown on my credit Equifax Credit report under the XXXXublic Records section. Equifax obtained from this incorrect information from local, state and federal courts through a third party vendor, XXXX. These four bankruptcies are reported incorrectly and should not be shown on my credit report : as I voluntarily dismissed and have been paying down they dept and of the four b that should not be shown as the following incident occured : 1. Case ID # XXXX filedXXXX  This was my original bankruptcy filed by my attorney 's office. My attorney 's was supposed to file a updated Wage Earner Plan and failed to do so or pay the court fee to file and the case was dismissed by the judge. As this was not my fault, I am not liable for the errors of my attorney with the courts and this should not be reported on my credit file as it is inaccurate. 

2. Case ID # XXXX filed XX/XX/XXXX - Due to the judges dismissal of my original Case ID # XXXX due to the my attorney neglect, my attorney 's office had to re-file my bankruptcy case, therefore, this is not a new case but duplicate of my original case. 

3. Case ID # XXXX filed XX/XX/XXXX - Dismissed on - This bankrupty was dismissed by the judge at court after the second hearing because my attorney failed to appear in court nor send anyone on their behalf to represent me, therefore, the judge dismissed the case. I met another attorney at this court date date that offered to represent my through his lawfirm. 

4. Case ID # XXXX filed on XX/XX/XXXX - dismissed on XX/XX/XXXX - Due to the majority of available attorneys quiting at my first attorney 's office, he forwarded my case file to a new attorney to represent me. This attorney filed the case, we did a Wage Earner Plan for payments to my identified creditors. I began making payments through my Trustee, however, after 6 months or so, the courts increase my payment amounts and I could not afford the monthly payment increase amount so I voluntarily instructed my attorney to just have the case dismissed and I would make arrangements to payoff my debt without the assistance of the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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 XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} DEPT OF EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On a previous complaint ( XXXX submitted on XX/XX/year> ), I mentioned that Equifax customer service continues to ignore the disputes I submit where I am able to see another persons name, social security number, credit collections, addresses, and birthday on my own profile. Despite many back and forths, my account keeps reverting back to a DIFFERENT persons account. I have included screenshot attachment ( taken XX/XX/year> ) that shows they not only disregarded an update on a current and ongoing dispute ( submitted on XX/XX/year> ), but completely wiped it from my account yet again, as well as older disputes I filled in the past two months. Whenever I call customer service and ask for support, they tell me the same information ; that I have to continue filling a dispute. But when I ask to speak to a manager or SOMEONE that knows the case going on so I dont have to continuously repeat my situation, conveniently the agent loses service and the call falls through which leaves me back in the cruel cycle of calling again, explaining the situation again, and being hung up on again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
What happened? 
I am filing a formal complaint against Equifax for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 data standards across several revolving credit accounts. Equifax is reporting XXXX as a charge-off with a {$1000.00} balance and a closed status, yet it falsely reports a monthly payment obligationthis is a clear Metro 2 violation, as closed charged-off accounts should not reflect active monthly terms. The XXXX  XXXX account shows a charge-off with {$2300.00} past due, but payment history reveals OK status immediately before the charge-off, which contradicts the Metro 2 sequence requirements and indicates inaccurate date agingviolating FCRA 1681e ( b ). The XXXX XXXX account reports an inflated past-due amount of {$29000.00} with delinquency codes escalating in monthly increments ( XXXX ), despite no evidence of lawful billing or notices during those periods, creating data aging inconsistencies in violation of Metro 2 and FCRA 1681i. XXXX is reported solely by Equifax without any verification from other CRAs or supporting payment history, and shows late payments and a charge-off with no legally permissible terms or activity to support it. XXXX XXXX again shows an inflated balance and staged delinquencies with a charge-off but lacks consistent furnishing across all CRAs, violating FCRA accuracy standards and Metro 2 date logic. The XXXX XXXX  account reflects completely contradictory payment reporting, showing a sequence of escalating lates and a charge-off that is not aligned with XXXXXXXX  ( no reporting ) or XXXX ( conflicting history ). These patterns show Equifax is reporting false, unverifiable, and materially misleading dataviolating FCRA 1681e ( b ), 1681i ( a ), and Metro 2 guidelines around closure codes, payment history consistency, and date-of-last-activity reporting.

Company response to consumer: Closed with non-monetary relief