vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX and I sent the money to XXXX XXXX XXXX XXXX by the Moneygram platform, from USA to XXXX. 

She received the amount but at the moment to see that the account name it was not mine, she didn't recognize and put the option " XXXX  '' ( return ) and the bank return the money to third-party payment platform service ( XXXX XXXX XXXX ) that Moneygram used .

I contacted Moneygram several times to get the money back to my or her account but they just told me that the money was sent and they don't give me any information anymore.

I also contacted the third-party payment platform service ( XXXX XXXX XXXX ) and they need the Moneygram internal transaction number in order to return the money.

I have tried to get my money back or at least get the number that XXXX requires to help me, but Moneygram gives me neither information about it nor the number that XXXX needs. 

Please see below information with the details. 


MONEY SENT FROM MONEYGRAM : -From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Amount : XXXX USD XXXX XXXX  -Reference number : XXXX -Date : XXXX XX/XX/year> RECEIVED MONEY INFORMATION ( From XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ). 
-From : XXXX XXXX XXXX XXXX 
-Issuing account : XXXX -Issuing Bank : XXXX. 
-Amount : XXXX XXXX  -Date : XXXX XX/XX/year> -Reference Number : XXXX -Transaction XXXX XXXX -Tracking number : XXXX XXXX -Beneficiary name : XXXX XXXX XXXX XXXX. 
-Receiving account : XXXX / XXXX -Bank : XXXX XXXX XXXX 


MONEY RETURNED ( From XXXX to XXXX ). 
- XXXX XXXX : XXXX -Transaction source account : XXXX -Name : XXXX XXXX XXXX XXXX . 
-Bank : XXXX XXXX -Amount : XXXX XXXX  -- Date : XXXX XX/XX/year> 2025

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because TransUnion is knowingly and repeatedly reporting fraudulent accounts, refusing to remove unauthorized hard inquiries, and ignoring my disputes in violation of the Fair Credit Reporting Act ( FCRA ). This is harming my credit, my financial opportunities, and my reputation.

TransUnion previously marked this case as non-monetary relief, yet the fraudulent accounts and inquiries remain, which proves their previous investigation was not completed properly or in good faith. The following accounts are not mine, not authorized, and are the result of identity misuse : XXXX XXXX Account # XXXX {$860.00} ( fraud ) XXXX XXXX XXXX # XXXX / XXXX {$120.00} ( fraud ) I did NOT apply for, authorize, or open these accounts. Both companies verified information that is not tied to me, which makes the investigation incomplete and violates the FCRA.TransUnions refusal to remove these accounts violates : 15 U.S.C. 1681i failure to reinvestigate 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) furnishers reporting known inaccurate info 1681n & 1681o liability for willful & negligent noncompliance FCRA 616617 defamation for publishing false data I am demanding full deletion of BOTH fraudulent accounts.

TransUnion is reporting six hard inquiries I did NOT authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This violates : 15 U.S.C. 1681b ( f ) no permissible purpose FCRA 604 unauthorized access These inquiries must be removed immediately. TransUnion marked my last complaint as : Closed with non-monetary relief but the fraudulent accounts were still marked verified, and NONE of the unauthorized inquiries were removed.

This is not a reinvestigation and proves noncompliance with : 1681i ( a ) must perform a reasonable investigation 1681i ( a ) ( 5 ) must delete unverifiable information Their previous response was incomplete, inaccurate, and did not resolve my disputes.

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 2025-12-03 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: AR

Complaint narrative:
left country in XXXX. locked my account during this and needed to withdraw my money from cashapp. it declined for my protection and wont let me access anything regarding my money. i have access to the app just unable to do anything. there is {$360.00}. ive contacted for 4.5 months and nothing. they say my situation has been escalated to the highest priority. they say this every phone call i make. they say they will email with updates and ive gotten not one email from them since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
For the last 3 months Credence Resource Management has been calling me after XXXX every night. Ive asked them to stop. And they havent. They finally said tonight that they will. But I dont believe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NV

Complaint narrative:
The following items are not mine and i'm a victim of identity theft This is illegal to hold me to items i did not open, show me my wet signature and contract legally binding me to these accounts. I don't have any legal binding contracts with these parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX accnt num XXXXXXXX XXXX XXXX never done any business with any of these companies no wet signature, never heard of any of these companies remove immediately. i have attached my ftc for your review victim of identity theft all these agencies have wrong party, wrong address wrong person. I have let each of these creditors know this they are still reporting these items.

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 2025-12-03 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: NV

Complaint narrative:
The following items are not mine and i'm a victim of identity theft This is illegal to hold me to items i did not open, show me my wet signature and contract legally binding me to these accounts. I don't have any legal binding contracts with these parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX accnt num XXXXXXXX XXXX XXXX never done any business with any of these companies no wet signature, never heard of any of these companies remove immediately. i have attached my ftc for your review victim of identity theft all these agencies have wrong party, wrong address wrong person. I have let each of these creditors know this they are still reporting these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal Dispute of Inaccurate Late Payments XXXX  XXXX ( Account No. XXXX ) To Whom It May Concern : I am formally disputing the late payments reported on the following account on my credit file : Creditor : XXXX XXXX Account Number : XXXX Status : Paid, Closed Reported Late Payments : 30-day ( XX/XX/XXXX ), 30-day ( XX/XX/XXXX ), 60-day ( XX/XX/XXXX ) The late payment reporting is inaccurate and unverifiable, and therefore must be removed in accordance with the Fair Credit Reporting Act ( FCRA ). FEDERAL LAW VIOLATIONS 1. FCRA 607 ( b ) Information Must Be Accurate and Complete The reporting contains multiple inconsistencies, including : Missing payment entries for several months Gaps in reporting history Inconsistent start and end dates of delinquency Late payments reported without proof they occurred No evidence of the creditors notice of delinquency Incomplete data can not legally be used to justify negative late-payment reporting. 2. FCRA 609 ( a ) ( 1 ) Right to Validation/Documentation I am formally requesting documented proof of each late payment, including : The original signed contract Complete payment history Exact dates the payments were due Proof of how XXXX  calculated any delinquency Records showing that I was properly billed or notified Records showing the date of first delinquency If XXXX  can not produce original, verifiable evidence, the late payments must be removed. 3. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers Can not Report Information They Can not Verify XXXX  is reporting late payments that are not backed by full records. This is a violation of 623 ( a ) ( 1 ) ( A ), which prohibits reporting information known or reasonably should be known to be inaccurate. 4. FCRA 623 ( b ) Duty to Investigate When a Consumer Disputes This letter constitutes official notice of dispute. You are now required to : Conduct an actual documented investigation, and Delete any unverifiable information. You may not simply verify the data by parroting XXXX  previous reporting. Courts have ruled this invalid ( e.g., XXXX v. XXXX  ). REQUESTED ACTION I request that you : Remove all late payments associated with this account OR Provide the original, legally required documentation proving each late payment If you can not produce documentation within 30 days as required under FCRA 611 ( a ), you must delete the disputed late payments immediately. Required Attachments XXXX XXXX XXXX XX/XX/XXXX Drivers license Proof of address Last 4 of SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AZ

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
I am submitting this complaint because all three major credit bureaus, along with multiple furnishers, have engaged in ongoing and unlawful reporting practices harming my credit profile, beginning with XXXX XXXX XXXX false and unverified collection allegedly tied to XXXX XXXX XXXX which was placed on my report without proper validation, without an accurate DOFD, and in violation of FCRA 605 ( a ), 623 ( a ) ( 5 ), and 607 ( b ), as well as FDCPA obligations requiring accuracy and verification ; additionally, XXXX  XXXX XXXX continues reporting a charge-off with conflicting dates, inconsistent histories, and unverifiable information despite multiple disputes, violating FCRA billing-error protections under 15 U.S.C. 1666 and 1666a and the furnishers duty to correct and reinvestigate under 623 ( a ) ( 2 ) and 623 ( b ) ; further, XXXX XXXX is reporting incorrect late payments that contradict my own statements and payment records, which constitutes false representation under FDCPA 807 and noncompliance with FCRA 611 by failing to properly investigate dispute claims ; collectively, these entities have not provided the documentation required under FCRA 609 ( a ) ( 1 ), have failed to ensure maximum possible accuracy, and have allowed inaccurate, misleading, and unverified information to remain on my reports, causing financial harm, credit denials, and emotional distress.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting to express my deep frustration regarding the persistent inaccuracies on my Equifax, TransUnion and Experian credit report, despite multiple prior disputes. I have reviewed my credit file thoroughly, and I am compelled to demand a full and thorough reinvestigation into the following accounts that continue to be reported incorrectly. These inaccuracies not only misrepresent my credit history but also have the potential to significantly damage my financial standing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i Dispute of Inaccurate Information ; FCRA 623 ( a ) ( 2 ) Duty of Furnishers to Correct and Update ; FCRA 605 ( a ) Obsolete Information ; and FCRA 609, 15 U.S.C. 1681g Right to Full Disclosure ), and I expect prompt action to correct all errors. 

XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX 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 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
Consumer complaint received 2025-12-03 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union is reporting an account that I don't understand. I am requesting clarification because several items in the reporting are inconsistent or unclear based on the information contained in my Experian credit file. 
The account is reported as Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. However, the balance history for every month in XXXX and XXXX shows {$0.00} paid on XX/XX/XXXX and the same {$7300.00} {$8700.00} balance repeated with no changes or updates. It is unclear how the account was charged off in XX/XX/XXXX when the only payment being shown occurred on XX/XX/XXXX and no updated payment activity appears in the two years leading up to the charge-off.

Additionally, the payment history shows 30-, 60-, 90-, 120-, and 150-day late marks from XX/XX/XXXX through XX/XX/XXXX, followed by repeated monthly charge-off codes from XX/XX/XXXX all the way through XX/XX/XXXX. There is no date of first delinquency provided, and it is not clear how the past-due amount can be the full {$8700.00} balance while also being the amount written off at charge-off. The reporting also shows multiple entries stating Completed investigation of FCRA dispute consumer disagrees, but no documentation supporting the reporting has been provided. 
Because of these inconsistencies, I am requesting clarification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
In XXXX, I was approved for a loan through Toyota Financial Services for a XXXX XXXX XXXX with a monthly payment of {$1200.00}. 
The dealership rushed the deal and pushed the paperwork through without verifying my income or employment. 
No proof of income was requested at any point, and no affordability check was performed before approving such a high payment. 
If the lender had reviewed my income, it would have been clear that the payment was not affordable for me. 
I contacted Toyota Financial Services when I began struggling with the loan and requested information about payment assistance, options, or help. 
I was not given any real assistance, guidance, or meaningful options to manage the loan. 
The lack of income verification and support from the lender caused me to fall behind on payments. 
I was ultimately forced to voluntarily surrender the vehicle in XX/XX/XXXX because the loan was never affordable in the first place. 
This situation resulted in financial harm, stress, and negative credit reporting. 
I am requesting that the CFPB investigate Toyota Financial Services for approving loans without verifying income and require correction of any negative credit reporting related to this improperly approved loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I just want to follow up this complaint regarding multiple inaccuracies and conflicting information reported by XXXX across all three major credit bureaus Experian, Equifax, and TransUnion which have caused significant damage to my credit profile and financial reputation. Specifically, Experian reports account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2100.00}, last activity on XX/XX/year>, and late payments of XXXX, XXXX, and XXXX days ; Equifax reports account XXXX with the same balance but last activity of XX/XX/year> and only XXXX and XXXX lates ; and TransUnion reports account XXXX with last activity of XX/XX/year> and XXXX and XXXX late marks. Similarly, Experian reports XXXX at {$1500.00} with last activity XX/XX/year> and XXXX, XXXX, XXXX late payments ; Equifax XXXX XXXX the same balance, last activity XX/XX/year> with XXXX and XXXX lates ; and TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with last activity XX/XX/year> and XXXX and XXXX late marks. Accounts with balances of {$7000.00}, {$3800.00}, {$2100.00}, and {$3800.00} follow the same conflicting pattern, with each bureau reporting different last activity dates and late payments for the same underlying account, making it impossible to determine accurate payment history. These inconsistencies, combined with XXXX reporting multiple late payments that can not be verified, violate the Fair Credit Reporting Act ( FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), 605 ( a ), 15 U.S.C. 1666a ) and have unfairly harmed my creditworthiness, as the conflicting information portrays me as chronically late when in reality the accounts are either misdated or inaccurately reported. Despite my prior disputes to the bureaus, these errors remain uncorrected, leaving me with a distorted, misleading, and damaging credit history that does not reflect my actual financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
I am begging for help! I am a victim of the Equifax Data Breach of XXXX! All of my personal information was stolen by hackers and leaked all over the Dark Web! I recently reviewed my Credit report and noticed multiple fraudulent accounts on my report that I do not recognize. These accounts do not belong to me. They are fraudulent! I am left suffering from the aftermath because of a mistake Equifax made. I fear for my life because these perpetrators know my address! Please remove it from my credit report because it is stopping me from obtaining credit causing a severe hindrance in my life. Remove within 4 Business Days According to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint of the information below : XXXX XXXX XXXX DATE : XX/XX/XXXX BALANCE- {$980.00}

Company response to consumer: Closed with explanation