vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
Your transfer is ready for pickup Reference Number XXXX Your transaction is ready for your receiver to pick up. Tell your receiver to take the reference number XXXX and their ID to the store when they pick up the funds. 

Transaction Receipt : Thanks for using MoneyGram!

Your Receiver can now collect these funds at any MoneyGram Location in the expected destination. To find a Location, please check our Locator. You should communicate your Reference Number to your Receiver to facilitate payment. 


MONEYGRAM PAYMENT SYSTEMS , INC. 
XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Transaction Date : XX/XX/XXXX, XXXX XXXX  XXXX Sender Information XXXX XXXX : XXXX Name : XXXX XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX United States Receiver Information Name : Loubeau Morose Expected Destination : XXXX Receive Option : Cash Pickup Transaction Information : Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( Funds may be available sooner ) Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Estimated Exchange Rate : XXXX USD = XXXX XXXX  Estimated Receive Amount : XXXX HTG Other Estimated Fees : XXXX XXXX  After the cancellation : Your Transfer Has Been Canceled We will refund the account you used to pay for your transaction. Refunds to a bank account typically take up to 10 business days, but may take longer due to bank holidays, processing times, and local laws and regulations. Refunds to a credit or debit card typically take up to 10 business days. 

While the funds have been withdrawn, your bank may not show a charge immediately. 
Receiver : XXXX XXXX  Send Amount XXXX XXXX  Receive XXXX XXXX  Total XXXX USD Send money from anywhere in the MoneyGram app! 
Available on : XXXX XXXX XXXX Play Contact XXXX Legal Notices Privacy Authorized to do business in all XXXX states, XXXX and all XXXX territories, XXXX  # XXXX. Licensed as a Money Transmitter by the New York State Department of Financial Services ; Massachusetts Check Seller License # XXXX, Foreign Transmittal License # XXXX. Licensed by the Georgia Department of Banking and Finance. 
MoneyGram Payment Systems , Inc. | XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX, MN XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I demanded that the consumer reporting agency in question immediately implement a full security freeze and enforce an opt-out from any use of my consumer data, including personal information, tenant screening, and rental background reporting. I am not seeking rental housing and have not provided consent for the use, sale, or distribution of my personal or rental-related consumer data. Any continued or future access, reinsertion, or dissemination of such information without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-12 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:
Upon me looking at my credit report i noticed that there are accounts that are on my credit reports

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 2025-04-12 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: WI

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Equifax. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed 2 times as : - XXXX XXXX XXXX XXXX XXXX. 
I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address of : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my current address be updated accordingly. 

XXXX. Incorrect employer Information : My current employer is XXXX. XXXX while my credit report shows ; - Labor Force Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 

Request for Confirmation : I request that Equifax investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is not investigating my disputes i informed them that the balance for the acct XXXX from XXXXXXXX XXXX XXXX XXXX XXXXXXXX yet their reporting it as XXXX im asking for a correction to the balance reported.

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 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I HAVE SEVERAL INACCURATE ACCOUNTS REPORTING ON MY CONSUMER REPORT. THEY ARE SHOWING INACCURATE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY ON EXPEREIAN, TRANSUNION, AND EQUIFAX. THESE ARE VIOLATIONS OF THE FCRA AND THEY MUST BE DELETED : ( XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE 2 ACCOUNTS THAT ARE REPORTING INACCURATE PAYMENT HISTORY. THEYARE SHOWING LATE PAYMENTS. I HAVE NEVER BEEN LATE AND THE PAYMENT HISTORY JUMPS FROM ONTIME TO 90 DAYS LATE ( XX/XX/XXXX ) AND ON TIME AGAIN TO 90 DAYS LATE ( XX/XX/XXXX ), 120 DAYS LATE ( XX/XX/XXXX ), THEN 150 DAYS LATE ( XX/XX/XXXX ) 180 DAYS LATE ( XX/XX/XXXX ). YOU CANT JUMP FROM ONTIME TO 90 DAYS, 120 DAYS, 150 DAYS, 180 DAYS. CORRECT AND UPDATE THE PAYMENT HISTORY IN THESE ACCOUNTS TO PAID ON TIME, NEVER LATE ON THESE ALL OF THE PAYMNET HISTORY IMMEDIATELY

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 2025-04-12 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: TX

Complaint narrative:
Request for Blocking Fraudulent Data Under FCRA 605B Dear Sir or Madam, I am writing to report that I am a victim of identity theft. Several accounts and items appearing on my Equifax credit report were opened or initiated fraudulently, without my knowledge or consent. These do not reflect any legitimate financial activity on my part and are the result of criminal misuse of my personal information. 

The following accounts are fraudulent and must be removed from my file : Fraudulent Accounts : 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 XXXXXXXX Pursuant to Section 605B of the Fair Credit Reporting Act, I formally request that Equifax block all of the above-referenced items from my credit file within four business days. In addition, I ask that you promptly notify the furnishers of this fraudulent information and confirm this action in writing.

Enclosed Documents for Verification Purposes : A copy of my Equifax credit report with fraudulent entries clearly circled A copy of my Identity Theft Report filed with the FTC A copy of my government-issued ID and a recent utility bill as proof of identity and address A reference copy of FCRA 605B, outlining your obligations under federal law Please give this matter your urgent attention and send confirmation once these records have been blocked from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
In XXXX, Synchrony Bank charged off my CareCredit account for {$540.00} and assigned it to XXXX XXXX XXXX ( XXXX ) for collection. On XX/XX/XXXX, I settled the account through an offer with XXXX and provided proof of payment during disputes filed with XXXX, XXXX, and XXXX. XXXX updated my report to reflect the settlement, but XXXX and XXXX did not, stating that Synchrony reported no change. In XX/XX/XXXX, Synchrony continued to report the full {$540.00} charge-off amount to XXXX and XXXX, despite my settlement. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), as Synchrony failed to correct the error after my disputes. As a result, my credit score is unfairly lowered, stalling my ability to secure a VA mortgage loan and causing me to miss housing opportunities.

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 2025-04-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I HAVE SEVERAL INACCURATE ACCOUNTS REPORTING ON MY CONSUMER REPORT. THEY ARE SHOWING INACCURATE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY ON EXPEREIAN, TRANSUNION, AND EQUIFAX. THESE ARE VIOLATIONS OF THE FCRA AND THEY MUST BE DELETED : ( XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE 2 ACCOUNTS THAT ARE REPORTING INACCURATE PAYMENT HISTORY. THEYARE SHOWING LATE PAYMENTS. I HAVE NEVER BEEN LATE AND THE PAYMENT HISTORY JUMPS FROM ONTIME TO 90 DAYS LATE ( XX/XX/XXXX ) AND ON TIME AGAIN TO 90 DAYS LATE ( XX/XX/XXXX ), 120 DAYS LATE ( XX/XX/XXXX ), THEN 150 DAYS LATE ( XX/XX/XXXX ) 180 DAYS LATE ( XX/XX/XXXX ). YOU CANT JUMP FROM ONTIME TO 90 DAYS, 120 DAYS, 150 DAYS, 180 DAYS. CORRECT AND UPDATE THE PAYMENT HISTORY IN THESE ACCOUNTS TO PAID ON TIME, NEVER LATE ON THESE ALL OF THE PAYMNET HISTORY IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: MS

Complaint narrative:
I HAVE SEVERAL INACCURATE ACCOUNTS REPORTING ON MY CONSUMER REPORT. THEY ARE SHOWING INACCURATE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY ON EXPEREIAN, TRANSUNION, AND EQUIFAX. THESE ARE VIOLATIONS OF THE FCRA AND THEY MUST BE DELETED : ( XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE 2 ACCOUNTS THAT ARE REPORTING INACCURATE PAYMENT HISTORY. THEYARE SHOWING LATE PAYMENTS. I HAVE NEVER BEEN LATE AND THE PAYMENT HISTORY JUMPS FROM ONTIME TO 90 DAYS LATE ( XX/XX/XXXX ) AND ON TIME AGAIN TO 90 DAYS LATE ( XX/XX/XXXX ), 120 DAYS LATE ( XX/XX/XXXX ), THEN 150 DAYS LATE ( XX/XX/XXXX ) 180 DAYS LATE ( XX/XX/XXXX ). YOU CANT JUMP FROM ONTIME TO 90 DAYS, 120 DAYS, 150 DAYS, 180 DAYS. CORRECT AND UPDATE THE PAYMENT HISTORY IN THESE ACCOUNTS TO PAID ON TIME, NEVER LATE ON THESE ALL OF THE PAYMNET HISTORY IMMEDIATELY

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings
State: VA

Complaint narrative:
I demanded that the consumer reporting agency in question immediately implement a full security freeze and enforce an opt-out from any use of my consumer data, including personal information, tenant screening, and rental background reporting. I am not seeking rental housing and have not provided consent for the use, sale, or distribution of my personal or rental-related consumer data. Any continued or future access, reinsertion, or dissemination of such information without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-12 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: MOHELA
State: NJ

Complaint narrative:
Before XX/XX/year> I had reached out to Mohela. I stated that I had submitted a School Closure Form ( XXXX  ) prior to this date XXXX year after school closure. I also stated that the Schools Director at that time failed to inform Students that an open investigation was being conducted while attending. This school was XXXX XXXX XXXX XXXXXXXX at XXXX, NJ. That Director was XXXX XXXX. The school failed to uphold the FOIA for any and all current and new Students in attendance so that we could continue our classes elsewhere and receive what was promised to us, a LICENSE. However I also informed Mohela that after I submitted this application to XXXX XXXX at that time, no correspondence was ever received on their end to acknowledge this issue. I submitted my forms showing that I have completed my course hours as required and the school failed to uphold their end of my course agreement with them so that I may receive my permit, take my state board exam and receive my state licensing. I did have correspondence with Mohela and they did acknowledge that yes, my form was received those years ago but shows XXXX XXXX failed to process my submission. I was then instructed by Mohela to resubmit the same form with my up to date information so that it could now be processed for Closure. I also informed Mohela that the school had lost their accreditation and ultimately it was shut down. It left those of us who had done everything correctly and done all that was required by the school, without any full completion of their part but rather than making things right, we were all left with student loans and no licensing! This should be ILLEGAL! It is morally WRONG to lure a hopeful Student ( s ) to attend a school and over promise anything to them that you fail to deliver on. Especially with any monies having already been received and all requirements being met by that/those Students. At that time I was HOMELESS, with XXXX Children to raise and provide for on my OWN! I did not have any support! This needs to be made right! I needed my state license back then to be able to maintain a solid income and have stability and provide for my children! I was not able to do so because of the failure of this school system!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I paid my Bank of America card off early this month of XXXX of {$6000.00}. They added the residual interest of {$95.00} and change. I called to dispute. This is the only card who hasnt been helpful in removing charges. This is also the only card out of my XXXX credit cards who couldnt remove a charge. I understand now why they are ranked the worst bank to work with by consumers. They were sending me late statements to start saying there was a {$0.00} balance to pay then hit me with late fees! Again no help. By far the worst card my husband and I have ever used.

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 2025-04-12 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Created a personal PayPal account for myself. After creating account, the account was restricted temporarily. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been imposed and I am completely unaware as to what went wrong with my account. 

Gave multiple phone calls to customer support but they just gave me runarounds by transferring me to an ( " Account Limitation Specialist '' ) & trust my words, they straight refused to even check the concern for me. 

Please note that I have submitted multiple identity documentation ( s ) on the secure upload doc link, but the issue remains the same. 

Please know as well, that this complaint is to highlight the deficiencies in your support staff and the standard procedures for the concerned PayPal account holders. 

To make your complaint process easier and smooth for you, I have attached the documents with this complaint as well. 

Please know that I am awaiting your assistance with response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice 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 non-monetary relief
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
Ive tried to dispute many times so many inaccurracies, it has not been verified and no documents received or sent to me. I am using my consumer right to have it removed, deleted, and blocked from my reports. See the attached documents submitted to this complaint for further information.

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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
WELLS FARGO CREDIT CARDS OVER THE LAST 18 MONTHS I HAVE HAD 8 CREDIT CARDS VIOLATED BY MONEY STOLEN FROM ME = PEOPLE ADDED TO MY ACCOUNT AND MULTIPLE MISINFORMATION AND LACK OF FOLLOW UP WITH WELLS FARGO.

I HAVE AN 14 PAGE SUMMATION OF THIS TIME WITH THEM AND I AM STILL UNABLE TO GET ACCURATE INFORMATION AND STILL HAVING PROBLEMS WITH FRAUD AND THEIR INABILITY TO HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
After turning in my lease through GM, I received a bill stating that I owe {$410.00}, for some fee which I was NOT aware of when returning my vehicle. The dealership did not make that known and should have been discussed with me prior to me beginning my lease. This is unprofessional and I dont feel that I owe this fee, whether or not I was able to read the fine print or not!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
XX/XX/year> I mailed off documentation that includes I paid off balances on my credit file, equifax and Experian is still reporting as negative balances

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Hands down, the worst mortgage company and customer service ever! We have only ever paid principal and interest on our loan and pay our taxes and insurance separately. XXXX sold our mortgage to Freedom Mortgage and they randomly slapped an escrow on our account and is refusing to remove it! We have made many requests in writing, called multiple times, and provided proof of payment for our insurance and taxes multiple times and they won't take our monthly payment unless we pay them escrow we didn't request. This company needs to be closed and charged with fraud!

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