vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Subject : Urgent Complaint Regarding Money Transfer Issue MoneyGram Transaction at XXXX Dear XXXX, I am writing to formally file a complaint regarding a MoneyGram money transfer transaction I conducted at a XXXX location in the United States on XX/XX/XXXX. The transaction was intended to send funds for a rent payment in XXXX, but to this date, the recipients has not received the money. 
Transaction Details : Date of Transaction : XX/XX/XXXX Money Transfer Service : MoneyGram XXXX Store Location : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Transaction Reference Number : XXXX Amount Sent : XXXX USD Recipient 's Name : XXXX XXXX XXXX Recipient 's Bank : XXXX XXXX XXXXXXXX XXXX ( BUH ) Transaction Reference Number : XXXX Amount Sent : XXXX USD Recipient 's Name : XXXX XXXX XXXX Recipient 's Bank XXXX XXXX XXXX XXXX XXXX ( BUH ) Issue Description : Upon verifying with MoneyGram, I was informed that the money had been sent to the recipient 's bank in XXXX. 
However, when the recipients contacted the bank, they stated they had not received the funds. 
Despite multiple follow-ups with both MoneyGram and the bank, the issue remains unresolved, leaving the recipients without access to the money. 
Attempts to Resolve the Issue : 1. I contacted MoneyGram Customer Support, who confirmed that the funds were sent to the bank.

2. The recipients contacted their bank, which stated that no such transaction was received.

3. I revisited XXXX, but they were unable to provide further assistance. 
4. I requested MoneyGram to trace the transaction and provide a clear resolution, but no satisfactory response has been given. 
Requested Action : I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that : 1. The funds are either successfully delivered to the intended recipients or refunded to me.

2. MoneyGram and XXXX improve their accountability and transparency in handling international transfers. 
3. A formal explanation is provided regarding the whereabouts of the missing funds. 
This situation has caused significant financial hardship, and I seek immediate resolution. I appreciate your prompt attention to this matter. Please confirm receipt of this complaint and provide any updates regarding its progress. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-18 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: DE

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-18 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EGL US, LLC
State: GA

Complaint narrative:
I attempted to obtain an installment loan from XXXX  XXXX XXXX XXXX for {$3000.00} with a 35.98 % XXXX. However, before finalizing the agreement, I submitted an Addendum to my XXXX XXXX to clarify borrower protections, opt out of arbitration, and ensure contract modifications required written consent. 

XXXX refused to accept my addendum and informed me that : XXXX. They do not allow borrower modifications, even before the loan is signed. 


XXXX. They do not have a legal department or compliance XXXX to review consumer requests. 


XXXX. They refused to confirm their refusal in writing, preventing me from documenting their response. 



This raises serious concerns about unfair lending practices, as XXXX is : Denying borrowers the right to clarify contractual terms before signing. 

Refusing to provide a legal point of contact for loan agreement disputes. 

Failing to provide transparency regarding their contract modification policies. 


Additionally, XXXX  refusal to acknowledge borrower protections violates principles of fair lending and creates an environment of coercion, where borrowers must accept one-sided, non-negotiable loan terms without legal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: LA

Complaint narrative:
On XX/XX/XXXX, I made a XXXX time web payment of the total loan balance due on my account which was stated as {$32000.00}. The total of all my loans on my EdFinancial account on that date ( Loan XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ) totaled {$30000.00} which means that my one-time payment was sufficient to update the status of my loans to " paid in full. '' At some point during the last quarter of XXXX, to my surprise, I received check # XXXX XXXX, dated XX/XX/XXXX, from XXXX XXXX Department of Treasury for {$10000.00}. Since my account reflected a XXXX balance in XX/XX/XXXX, I never anticipated or expected any payment to be made to me. Together my mom and I contacted EdFinancial via a phone call to question the reason for receiving the check. I have never applied for loan forgiveness or called requesting a refund. During this phone call, I was told multiple times that these funds would not need to be paid back. Since receiving that check, I have called EdFinancial on numerous occasions to seek clarification of my account showing a balance and that I am required to make payments to remain out of default to loans that have been paid. Each phone call I get different information with each representative that I speak with. Then, I am told they are submitting a claim on my behalf and escalating my concerns ; however, I have yet to receive an update on any claim that has been submitted per the EdFinancial representatives. Some representatives have indicated the check was loan forgiveness while others say the check was a refund. So, I would like clarification on whether or not this check was loan forgiveness or a refund. I did not apply for loan forgiveness, and I never called requesting a refund. Currently the statement on my account shows " debt '' that is due, which is indicative of the fact that XXXX XXXX and XXXX were not paid. This is not accurate as I made a one-time payment in XXXX of XXXX. Currently, my account states XXXX XXXX, XXXX XXXX and XXXX XXXX are paid in full. The total of those loans equals XXXX XXXX Where is the additional {$12000.00} that I paid in XXXX of XXXX posted? As I stated previously, XXXX representatives have said that there is a recorded call of me requesting a refund of {$10000.00}. However, my account is reflecting XXXX XXXX and Loan XXXX as unpaid. Both statements can not be true. If XXXX XXXX and XXXX XXXX were unpaid, then the balance on my account should be {$11000.00} ( the total of Loan XXXX and Loan XXXX ). The first statement that was posted to my account in XXXX of XXXX, after I paid my balance in full in XXXX, reflected a balance of {$9700.00}, which you can agree is not {$10000.00} nor is it {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: DISCOVER BANK
State: FL

Complaint narrative:
This is a request for a reinvestigation for accuracy and completeness. Please provide the details on your method of verification used to verify the above account ( s ) within 15 days of the completion of your reinvestigations in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ] which states Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In addition to the above, please be sure to include the contact information for each person that actually verified the inaccurate account ( s ) by providing their name, phone number and address. I will be reaching out to each person to question their method of verification. Please also include a copy of any documents that bear my wet signature and the amount owed on a contractual agreement. Please be advised that I am making a final attempt to request your method of verification. Be advised that automated means of verification like XXXX and XXXX are prohibited and will not be accepted. reinvestigation AND your Method of Verification. Should you continue to ignore my request or fail to resolve this matter you may be liable for willful noncompliance as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX  XXXX. XXXX XXXX, 1995 ). I may also be forced to file a case against you if you decide not to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting XXXX % correct. In accordance with the FCRA and Metro 2 compliance reporting standards. Everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer 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 explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
Failure to Respond to My Dispute Within the Required Timeframe Dear transUnion This letter serves as a final request regarding my previous dispute, which was submitted on XX/XX/year>, regarding the XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ], a credit reporting agency is required to investigate disputes within XXXX days ( or XXXX days if additional information is provided by the consumer ). However, I have not received a response or the results of your reinvestigation within the legally mandated timeframe. 

As you have failed to comply with federal law, you are now required to delete the disputed item from my credit file immediately per FCRA 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ], which mandates the removal of any information that can not be verified within the prescribed period.

Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance, as outlined in FCRA 616 & 617.

Please consider this letter a final attempt to resolve this matter amicably. If I do not receive confirmation of deletion within XXXX business days, I will be forced to escalate the matter 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX 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
Consumer complaint received 2025-03-18 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: MO

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: MO

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-18 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.

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 2025-03-18 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: EdFinancial Services
State: CA

Complaint narrative:
My personal and financial information was compromised without my authorization. On XX/XX/year>, XXXX XXXX instructed his team at the XXXX XXXX XXXX XXXX XXXX XXXX ) to gain access to multiple internal systems within the Department of Education, including a financial aid dataset that contains the personal information of millions of students, including myself, f enrolled in the federal student aid program. My information was among the datasets that were compromised.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach by XXXX is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this break and the resulting compromise of my personal information and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was charged on the following date [ XXXX OF FIRST CHARGE STATEMENT ]. Since then, the account has been repeatedly updated as a charge each month. This is an update to the payment history. A charged account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Your failure to properly investigate this account has violated my rights. I am demanding the removal of the following account : Experian : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was charged on the following date [ XXXX OF FIRST CHARGE STATEMENT ]. Since then, the account has been repeatedly updated as a charge each month. This is an update to the payment history. A charged account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Your failure to properly investigate this account has violated my rights. I am demanding the removal of the following account : Experian : 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 non-monetary relief