vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XX/XX/year> I transferred {$400.00} to my sister in XXXX via Moneygram to pay her back for items that I asked her to buy for me. On XX/XX/year> I received a notification that the money was picked up. At the time my sister was on vacation overseas with her family and was in no way capable of physically retrieving the funds. I contacted Moneygram customer service by phone on the XX/XX/year> ( after talking to my sister ask her and she confirmed that she was still overseas and therefore has not picked up the transfer ). The agent promised to look into it and I received an email stating that someone provided them acceptable identification and they released the money to them. I called again to inquire on how they verified the identity of the receiver since it was impossible for my sister to be on two different continents at the same time, the agent said he would apeal my case and send me the documents they based their conclusions on. I offered them to have my sister go to their office branch and show them her exit and entry stamps on her passport proving that she was not in XXXX at the time of the pick up. I also sent them multiple emails with statements from my sister corroborating the events and also a photo of her passport stamps. I also requested the documents they deemed sufficient to verify the identity of the receiver and release the money to them and didnt get any response. This has created a big problem and financial hardship on us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSS#: 1690 | Date of Birth: XXXXEquifax\nEquifax Information Services LLC\XXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Final Legal Action Required  Immediate Attention Needed for Compliance with Federal Laws\nDear Equifax\n\nThis is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).\n\nYour violations include:\n\nFailure to validate the debt as required under 15 USC 1692g (Section 809(b)).\nContinuing communication after a certified cease-and-desist request, violating 15 USC 1692c (Section 805(c)).\nHarassment under 15 USC 1692d (Section 806).\nRecently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code  1681b.\n\nI demand that the following items be deleted immediately from my credit report:'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: 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 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 2025-11-12 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: NY

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Santander Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Positive Accounts : SOC SEC ADMIN OFFICE O

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 2025-11-12 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: NJ

Complaint narrative:
XXXX said : Dear Sir/Madam, I am a consumer who is seeking to resolve inaccurate and incomplete information reported on my credit file. Below is a list of the accounts in dispute, separated by each credit bureau. I request that these items be thoroughly investigated and corrected according to the Fair Credit Reporting Act ( FCRA ) and all applicable regulations. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$950.00} XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$940.00} XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$12000.00} XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX : XXXXXXXX XXXX XXXX XXXX *, XX/XX/XXXX, {$0.00} TBOM : XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$560.00} XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$620.00} Inquiries XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Late Payments XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the following accounts on my Experian credit report : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Santander Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}

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 2025-11-12 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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 2025-11-12 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: AR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
A substantial amount of money disappeared from the account with nothing showing in the balance I've given them chance after chance, I've begged and pleaded. They will not let me recover the funds that are left in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-11-12 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information on my credit report provided by TransUnion. Please review the following accounts that I believe are inaccurately reported : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} Late Payment Accounts : XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : 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 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: PA

Complaint narrative:
This is my third complaint regarding Innovative Recovery. Each time, the CFPB has closed the complaint without full review. The company continues to report an unvalidated debt, has included false court information, and responded aggressively and threateningly. I am requesting escalation to a supervisory or enforcement review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-12 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am submitting a formal dispute concerning the following inaccurate charged-off accounts apXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Description of complaint : I had applied for a business checking account on XXXX and was instantly approved with account numbers, routing numbers etc. I was able to register for online banking and account showed up on my dashboard. Two days later on XX/XX/XXXX I received an email informing me my account was restricted and to call customer service number. I called and after a long hold and numerous transfers I was told my account was too new and the rep couldn't help me and for me to call back in a few days. I waited and called back on XX/XX/XXXX, once again, after long holds I was asked to provide my business registration. I informed the rep that in Florida, doing business under my own name, I did not have to register with the state for my sole proprietorship business. I was able to open business checking accounts with XXXX and XXXX XXXX with no problem without registering my business. The rep said my account could not be opened without it ( even though it was already opened ). Why was I approved in the first place then? After all these time wasted in trying to resolve this issue, the rep said my account would be closed. I was looking forward to using this new account exclusively for my business. I will share this negative experience with others/friends/family and advise them to steer clear of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
HARRIS amp HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS amp HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding several inaccuracies I have discovered on my credit report. The following accounts are being disputed based on the information provided by the credit bureaus : CHARGED OFF : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} INQUIRIES : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX LATE PAYMENT : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of several items currently appearing on my EXPERIAN credit report. Under the FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate reinvestigation of these accounts and the removal or correction of any data that is inaccurate, incomplete, unverifiable, or reported in violation of applicable law. 

Below are the specific accounts in question : XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX This company is violating Bankruptcy Code provisions and Court Orders, including the Automatic Stay. Please remove this account from my EXPERIAN credit file immediately. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX The information reported has not been verified to meet EXPERIAN and FCRA reporting standards. It appears inaccurate, incomplete, or outdated. Please delete all erroneous or unverifiable material related to this account from my EXPERIAN credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX This account is being reported in violation of Bankruptcy Code and Court Orders, including the Automatic Stay. Remove this information from my EXPERIAN report immediately. 

XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX The information being reported is inaccurate and outdated. Please correct or remove this entry immediately from EXPERIAN records to ensure compliance with FCRA accuracy requirements. 

XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX The data reported for this account is inaccurate and outdated. I demand immediate correction or deletion of this item from my EXPERIAN credit report. Continued reporting of erroneous information may result in legal action. 

XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX This account was paid before being charged off, yet it is being inaccurately reported. Please delete this item immediately from my EXPERIAN file to reflect the correct payment history.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: FL

Complaint narrative:
b'At approximately XXXX XXXXXXXX XXXX XXXX XXXX I received a phone call from a Toll Free Number, telephone number XXXX I answered the phone and said "Hello". A voice automated machine said, "No one is able to take your call right now". I then  thought, "I didn\'t call them". And I hung up my phone. I then called  the number back, in a matter of minutes. However, when I  hit the Toll Free number on my phone, it dialed XXXX XXXX. The voice automated machine stated that it was a call from Penn credit. I NEVER heard of this company, nor have I EVER used their services.  I stayed on the line so that I was able to speak to someone. A gentleman answered the phone. I already at the beginning of the call with the automated voice machine verified my identity. While on the phone with the gentleman,  he wanted personal information,  social security number, address, age to verify my identity. I wasn\'t willing to give the information when I don\'t even know the purpose of their call. I was hung up on. I know that I don\'t have any outstanding bills owed to any credit cards. I believe  this may be an attempt from XXXX XXXX XXXX, or a different medical facility that I went to, UNDER workmans compensation.  I have given ALL the necessary paperwork for these places to file their claim with workmans comp. I NEVER received  a bill in the mail. A phone call, except from a collection agency. Whatever and whomever this collection is from, never reached out to me before sending this to a collection agency.  If it\'s from or for medical services rendered to me. They need to file their claim with workmans compensation. And stop harassing me. Cease all, any, and every contact to me or my credit.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation