vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-16 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: SC

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

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 2025-06-16 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 remove these accounts from my report, 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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s-2, data furnishers and consumer reporting agencies have a legal obligation to report information that is complete and accurate. Continuing to report a XXXX XXXX XXXX that is contradicted by two other national credit bureaus constitutes a violation of this obligation has caused me harm. 

Ive also requested proof of verification. Name and date of who verified. 
I was also a victim of the equifax data breach and have found a number of inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ref Account # : XXXX After review of an additional re-investigation, I DO NOT agree with the results. The account in reference was originally reported to XXXX, Experian, and XXXX. As three bureaus are getting the exact same information, from the same provider, each consumer agency has an obligation to the accuracy of information being received. Attached screen shots from XXXX  and XXXX  will show the dates, previously reported by both, which coincide with Experian ; After disputing the information reported ; XXXX, and XXXX  have correctly removed this inaccurate information from my file. Experian failed to re-investigate this properly after I repeatedly asked to have this removed, and my file to reflect the removal. The attached shots will show Experian reported status Past due XX/XX/year>, then the following month showed past due of XX/XX/year>. This should no longer appear on my Experian file. This account is continuously being re-aged by a company ( XXXX XXXX XXXX ) that I never had any legal obligation to. This inaccurate information falsely manipulates and affects my credit worthiness hurting my ability to obtain credit. Your neglect has once again violated my consumer rights. According to 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681 ] Subsection ( A ) 1 & 4 Subsection ( B ) I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number : XXXX Thank you for your attention to this matter Respectfully, 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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I purchased a MoneyGram money order on XX/XX/year> for {$830.00}, made payable to XXXX XXXX. On XX/XX/XXXX, I checked online and saw that the money order ( Reference number : XXXX ) had already been cashed. My brother, the intended recipient, confirmed he never received or cashed it. 

That same day, XX/XX/XXXX, I contacted MoneyGram via chat ( Case # XXXX ) and was told to pay an {$18.00} fee to obtain a scanned copy of the cashed money order. I paid it immediately, and on XX/XX/XXXX I received the copy, which clearly shows a different name not my brothers. The money order was filled out entirely when I purchased it, so it should not have been payable to anyone else. 

On XX/XX/XXXX, I contacted MoneyGram again via chat and explained that the person who cashed the money order was unauthorized. I was told that to start the claim process, I needed to request a claim form, which could be sent by email ( XXXX business days ) or postal mail ( XXXX business days ). I requested it by email and provided my address. I was issued a new case number : XXXX. 

By XX/XX/XXXX, I still had not received the form. I contacted them again via chat and was told to check my spam folder ( which I had already done ). I was told once more to wait another XXXX business days. They issued a third case number : XXXX. 

Also on XX/XX/XXXX, I submitted a formal fraud report through their official webpage ( https : //corporate.moneygram.com/compliance/report-fraud/ ) and received an automatic confirmation ( Case # XXXX ). Then, on XX/XX/XXXX, I received a generic response that only told me to call their XXXX XXXX Department the same department I had previously tried to reach without success. The call was answered after a long wait, and I was again referred back to online chat. This loop of non-solutions continues. 

As of today, I have not received the claim form and can not proceed with filing a formal complaint. Additionally, I was informed that once I do receive the form, I will be required to send it along with another {$35.00} fee and even if the claim is approved, that amount will be deducted from the original {$830.00}. I would only be reimbursed {$790.00}. The review process could take XXXX XXXX XXXX XXXX, or up to a XXXX, with no guarantee. 

As an elderly person, this has been deeply frustrating and distressing. I request that the CFPB intervene and question whether it is lawful or fair for MoneyGram to allow unauthorized parties to cash a completed money order and then place all the burden, delays, and fees on the innocent consumer. I believe this is a failure in security protocols and a deeply flawed claims process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting a medical collection from XXXX XXXX for {$1600.00}, originally from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The account is listed under medical/health care and thus triggers HIPAA and FCRA requirements. 

Equifax has not provided documentation showing that I gave HIPAA authorization to disclose my protected medical information to a third-party debt collector. They are also in violation of 15 U.S.C. 1681i ( a ) by failing to provide proper verification after my prior dispute.

The account is being reported with vague or incomplete data, and there is no itemization of services or final billing information. I believe this is inaccurate, unverifiable, and being reported without permissible purpose. I am requesting that this account be deleted immediately.

This entry is damaging my credit and causing harm. If not resolved, I will escalate to legal action and federal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I made several payments. A loan company file a claim to remove the payments that were made so it cause me to lose the vehicle I told them but nobody would help me out I had tried contacting them on this matter several times even when I was living in the vehicle being home barely making it with the job i think I sold it to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint narrative:
These Hard Inquiries don't belong to me hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Never authorized anyone from XXXX to run my credit. Please remove hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am disputing the following accounts and/or inquiries reporting on my credit profile. These accounts are being reported inaccurately and without proper verification. Some of the accounts were opened without my authorization, and others contain false or unverifiable information. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 and 605 ( b ), which states that only accurate, complete, and verifiable information should be reported.

I have attached my FTC Identity Theft Report along with supporting documentation ( ID, SSN, utility bill ) as proof. I am requesting that these accounts and inquiries be investigated and removed immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
I am disputing inaccurate information listed on my credit report regarding an account from XXXX XXXX. Below are the specific discrepancies I have identified : Creditor Name : XXXX XXXX Account ( last XXXX ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Number of Months ( Terms ) : Equifax shows this as XXXX, whereas both TransUnion and Experian list the correct term as XXXX months. 
XXXX. High Credit : Equifax reports {$4200.00}, but both other bureaus list {$7700.00}, which matches the original loan terms. 
XXXX. Date of Last Activity : Equifax lists XX/XX/XXXX, while TransUnion and Experian report activity in XXXX. 
XXXX. XXXX XXXX ( Late Payments ) : Equifax reports a XXXX late in XX/XX/XXXX and XXXX late in XX/XX/XXXX, despite the account showing as charged off with a {$0.00} balance and XXXX XXXX monthly payment. Late payments should not continue to be reported post-charge-off. 
XXXX. Date of Last Payment : Equifax lists XX/XX/XXXX, while Experian shows a payment on XX/XX/XXXX. This inconsistency may reflect incorrect reporting. 
XXXX. Date Opened : Transunion lists XX/XX/XXXX, Experian and Equifax shows XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are multiple instances of inaccurate information on my credit report, and I would like to have them removed from my credit report.

Outdated and incorrect addresses I'd like removed : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Employers who no longer associate with me : XXXX  Please update my credit report with the following correct and current personal information : - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2025-06-16 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: MO

Complaint narrative:
There are multiple instances of inaccurate information on my credit report, and I would like to have them removed from my credit report.

Outdated and incorrect addresses I'd like removed : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Employers who no longer associate with me : XXXX  Please update my credit report with the following correct and current personal information : - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
On XX/XX/year> I purchased {$2200.00} worth of XXXX  to send to a friend and supposedly I hit my limit for the day. Ok cool, I sold the XXXX  and tried to transfer all my money back to my bank account it came from. They restricted my account that day. I talked to them XX/XX/XXXX and XX/XX/XXXX because it wouldnt let me upload documents. The app said the review would be done today XX/XX/year> but it changed to saying I missed a call. I called once again and now it says they will notify by me XX/XX/XXXX on the status of my account which is absolute XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citi credit card Card was stolen on XX/XX/XXXX and the XXXX individuals have then tried to open multiple credit cards account with XXXX credit card, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX credit card Report has been done and police have surveillance footage of people using it at bank .. the XXXX individuals have some obtained my s.s # and call impersonating me and unlock my XXXX credit bureau and start to apply for credit cards.

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 2025-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am not liable for this debt with XXXX, I do not have a contract with Credence Resource Management LLC, they did not provide me with the original contact as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO TransUnion credit report, which I do not recognize and which is the result of identity theft and fraud. This fraudulent account consists of a revolving account opened at XXXX XXXX on XX/XX/year> under account number XXXX with a reported balance of {$980.00}. This unauthorized account has led to several fraudulent hard inquiries and collection entries appearing on my credit report. I demand that all fraudulent items related to this account be permanently removed from each of my consumer credit reports and that any and all collection activity cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report 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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IN

Complaint narrative:
my identity was used to open credit cards and phone accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear Sir/madam : I received to separate credits from XXXX  for items that I return and or did not receive. The first amount was {$62.00} for bookcase and the second was # XXXX for " bookends '' that I did not receive. Unfortunately, Wells Fargo is charging me as if these are charges that I made, instead of crediting my account. 

In addition, Wells Fargo is charging me an additional {$67.00} for unknown reasons and they are Alleging that I owe a combined total of XXXX XXXX.This is incorrect! 

What's even more disturbing is that my account is being charged an additional {$67.00} from allegedly XXXX. I reviewed my XXXX account and I made no such charges for {$67.00}. 

It strongly appears that Wells Fargo Bank is over-charging, me and or charging me twixe for items that were already paid for.

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 2025-06-16 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: Affirm Holdings, Inc
State: OK

Complaint narrative:
Subject : Improper Reporting of Charged-Off Debt / Failure to Accurately Report Status This account is being reported inaccurately and without compliance with FCRA reporting guidelines. There is no current debt being collected, yet the account remains derogatory, violating 15 U.S.C. 1681s-2 ( a ).

Additionally, I was never given proper notice of charge-off or subsequent resale or reassignment of debt. The reporting of a charged-off debt without continuous ownership or collection efforts, while refusing to update status, is misleading and materially harmful.

I am requesting this account be removed from my credit profile under the legal grounds of unverified, inaccurate, or outdated data. Continued misreporting may result in legal action under FCRA 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MoneyLion Inc.
State: OK

Complaint narrative:
Subject : Improper Reporting of Charged-Off Debt / Failure to Accurately Report Status This account is being reported inaccurately and without compliance with FCRA reporting guidelines. There is no current debt being collected, yet the account remains derogatory, violating 15 U.S.C. 1681s-2 ( a ).

Additionally, I was never given proper notice of charge-off or subsequent resale or reassignment of debt. The reporting of a charged-off debt without continuous ownership or collection efforts, while refusing to update status, is misleading and materially harmful.

I am requesting this account be removed from my credit profile under the legal grounds of unverified, inaccurate, or outdated data. Continued misreporting may result in legal action under FCRA 1681o.

Company response to consumer: Closed with non-monetary relief