vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
I signed up for an account with Wise.com in order to transfer money in, convert it to XXXX and hold it. I tried to transfer in {$49000.00}. This amount, plus a service fee, was debited from my checking account on XX/XX/year>. Wise then notified me by email that they wanted to verify the account the money came from. So I uploaded an account statement matching the requested information in the email. This morning I got an email that my account was closed. There was a way to file an appeal. I followed the directions and explained what the money was for and where it came from. An hour later, I got another email notifying me my account had been closed, and they may take up to 30 days to transfer the money back.

I feel this series of events feels like a scam as a way for them to hold on to my money for a while to make money off of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
My personal information was accessed with out convent or permission by an unsanctioned group fraudulently posing as a government agency though they have not received congressional approval. This has violated the terms and conditions of the contract signed by myself and the student loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts are XXXX XXXX Collection agency account number XXXX opened on XX/XX/year> which has been Banned by the FTC and XXXX XXXX account auto loan ( Account XXXX ), have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts are XXXX XXXX Collection agency account number XXXX opened on XX/XX/year> which has been Banned by the FTC and XXXX XXXX account auto loan ( Account XXXX ), have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I HAVE NO RECOLLECTION OF THIS ACCOUNT OR DEBT. I DO NOT OWE THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MO

Complaint narrative:
XXXX XXXX and XXXX  have compromised my private information and I want my loans removed now that terms and limits of my loan information have been broken by MoHela, the Department of Education, XXXX XXXX, and XXXX. I never gave consent for my loan information to be shared with non-governmental affiliates, nonappointed/non-elected delegates, or any therewithin nor the likeness, to view my loan information, amounts, or payments. I am requesting all of my loans be discharged immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Waking up to find a debt on my credit report that I know nothing about has been nothing short of a nightmare. I never signed up for this, yet Im being harassed from every directioncalls, emails, even threats of legal action over an account that isnt mine. As a responsible individual, I find it deeply insulting that my rights as a consumer are being ignored. This situation has caused immense stress, sleepless nights, and a serious toll on my XXXX  well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-03-14 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
I did not authorize those inquiries to run my 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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: 2288984 Ontario Inc.
State: AL

Complaint narrative:
On XX/XX/year> I paid off my loan in the amount of {$XXXX} from my XXXX XXXX debit card. Before I paid the loan off I submitted a payment of {$XXXX} from my debit card with XXXX  XXXX XXXX XXXX XXXX. On XX/XX/year> moneykey credited my account for {$XXXX} paid in full. On XX/XX/year> moneykey withdrew the {$XXXX} from my XXXX account. My credit limit is {$XXXX}. The {$XXXX} is an over payment they must return. Ive called emailed texted moneykey. They hang up on me they put me on hold and deny they received the {$XXXX}. This is XXXX. XXXX attaching my XXXX bank statement reflecting the XX/XX/year> moneykey withdraw. Its fraud! They have a balance of {$XXXX} I do not owe them any money they owe me money. See bank statement XXXX XXXX moneykey {$XXXX}. They stole this money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is a **follow-up to my original CFPB complaint ( # XXXX ), filed on XX/XX/2025, and my revised complaint submission ( # XXXX ). ** Despite my initial dispute, **Experian and XXXX  XXXX have failed to investigate and resolve my complaint within the legally required 30-day timeframe under the Fair Credit Reporting Act ( FCRA 1681i ( a ) ( 1 ) ( A ) ). ** My original dispute was submitted on XXXXXX/XX/2025, regarding XXXX XXXX  incorrect reporting of my charge-off account. By XX/XX/2025, the XXXX deadline had expired with no resolution from either Experian or XXXX XXXX. On XX/XX/2025, XXXX XXXX falsely claimed they attempted to contact me on XX/XX/XXXX and XX/XX/XXXX, yet I never received any calls. Additionally, Experian continues to inaccurately report this account, violating FCRA 1681s-2 ( a ) ( 1 ) ( B ). 

Experian and XXXX XXXX have committed multiple violations under the FCRA, including failure to investigate within the required 30-day timeframe ( 1681i ( a ) ( 1 ) ( A ) ), illegal re-aging of a charged-off account ( 1681s-2 ( a ) ( 1 ) ( B ) ), and failure to follow the XXXX reporting rule ( 1681c ( a ) ( 4 ) ). I have provided supporting evidence, including Capital Ones misleading response letter dated XX/XX/2025, which proves their delayed and false response ; proof of my original dispute submission on XX/XX/2025, confirming that the XXXX deadline had expired ; and screenshots/logs proving that I was not contacted on the dates XXXX  XXXX claimed. 

Due to their failure to comply with federal credit reporting laws, I am requesting the **immediate deletion of the disputed XXXX XXXX account from my credit report, written confirmation of the deletion, and an explanation of their non-compliance. ** If this issue is not resolved immediately, I will escalate further by filing a complaint with the FTC for willful FCRA violations and pursuing legal action under FCRA 1681n, which allows for statutory damages, punitive damages, and attorney fees for non-compliance. I demand an **urgent resolution. **

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NH

Complaint narrative:
The Department of Government Efficiency has violated the Master Promissory Note and the terms within, which is a binding legal contract between myself, the servicer, and the Department of Education, by allowing agents without proper security clearance to access and obtain, access and view, and access and record information regarding my student loans. This is a violation of the terms of the agreement and my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NE

Complaint narrative:
XXXX XXXX and DOGE have accessed my personal private information which they did not have clearance for and is a violation of the terms of agreement i signed when getting my loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-14 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: AZ

Complaint narrative:
Dear CFPB manager, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/XXXX  ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy A

ct ( FERPA ) due to unauthorized access and tampering with student loan records. As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. # # # I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent. 2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at XXXX XXXX XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MA

Complaint narrative:
XXXX XXXX and DOGE viewed and downloaded my personal data from my federal student loans. Unclear what information was accessed, by who, and what security measures are taken on data that was accessed ; Or, if any of that data was downloaded by XXXX, what security measures are currently being taken to ensure this information is not accessed by parties I did not consent access to in the contract signed at the time of taking out loans. Information may include my social security number, date of birth, loan information and account number, financial information including bank account and debit card numbers -- extremely unclear what was accessed, who saw it, what was done with said information, if this information has been handled securely, or what steps I need to take to secure this data. See the Gramm-Leach-Bliley Act Notice and Privacy Act Notice I was provided with my XXXX  contract signed at time of loan receipt ( See page XXXX of XXXX of the attached document )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX, it was first reported that the federal governments " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), was given unlawful access to the non-public information involving my federal direct consolidated student loan accounts under account number XXXX XXXXXXXX XXXX  XXXX XXXX. Employees and representatives of XXXX are not duly elected or appointed by the federal government to lawfully act on behalf of the federal government, who acts as the originator of the student loan. Employees and representatives of XXXX were not given lawful permission by the federal government to access my student loan non-public data. Employees and representatives of XXXX were not given my consent to access my student loan non-public data. 

The Federal Government allowing the access of my non-public student loan data by XXXX is a violation of the Privacy Act of XXXX, which the Federal Government, within the language of the Master Promissory Note ( MPN ), under Section XXXX, agreed to abide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were XXXX  % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief