vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need.

Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. 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 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 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: GA

Complaint narrative:
MOHELA is inaccurately and negatively reporting multiple tradelines to the credit bureaus and has furnished additional accounts to my credit file without justification. None of my student loan accounts are in default or delinquency, and I have not yet entered repayment. In fact, I am not even close to entering repayment status. 

These inaccurate tradelines have significantly harmed my credit profile and negatively impacted my ability to qualify for a mortgage. Additionally, I was forced to dispute multiple hard inquiries from the U.S. Department of Education and file a fraud complaint against XXXX due to unauthorized reporting activity. 

I am requesting immediate correction and removal of all inaccurate and duplicated tradelines from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Accounts : XXXX XXXX ( 3 student loans accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Accounts : XXXX XXXX ( 3 student loans accounts )

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Andrews & Cox, P.C.
State: OH

Complaint narrative:
I have filed numerous complaints that have been completely legal and legitimate as allowed by law and FDCPA regulations. I don't need to be reminded of how many complaints I have filed legally. If Andrews and Cox P.C would stop contacting me there would be no complaints since I filled a cease and desist with them more than once. There response to my complaint using the fact they have to contact me for the Judge or Court is understandable but the last notice I received did not mention anything about a Judge or Court order??? This is just another deceitful way of trying to contact me to pay a debt. As before I explained in other legitimate complaints that my hardship and XXXX income is protected and that I will never be able to pay off this debt. So I would like to explain to Andrews and Cox P.C that my cease and desist goes both ways that I will not contact them either. Included is there own documentation stating that they will only contact me for required Court notifications but as you can see from there own documents I received the letter is only trying to get me to pay a debt from a debt collector not officially notification from Court of new legal action against violating FDCPA regulations and a cease and desist notification. I will continue to file legitimate and legal complaints as allowed by law as long as Andrews and Cox P.C continues to violate my rights and disregards a cease and desist order that they have acknowledged on more than one occasion so why to they keep sending attempt to collect notifications?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
I recently discovered that my personal information may have been compromised in a national data breach. As a result, I began closely reviewing my credit reports and noticed unfamiliar accounts that I did not authorize or open. 

Specifically, there is an auto loan account reporting to XXXX and Equifax that I do not recognize and have no knowledge of. This account does not appear on my XXXX report, which raises additional concerns about its accuracy and legitimacy. 

I have submitted formal disputes to both XXXX and Equifax, requesting validation and investigation of the account. However, I have not received sufficient information or documentation to confirm the debt or explain its presence on my report. 

Given the recent exposure of my personal data, I believe this may be a case of identity theft or inaccurate reporting. I have also submitted a complaint to the Federal Trade Commission ( FTC ) to formally report this issue.

Please find attached the following supporting documentation : A copy of my government-issued ID My FTC Identity Theft Report A copy of my Social Security Number card ( for verification purposes ) I am requesting that this account be thoroughly investigated and removed from my credit report if it can not be validated. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
My repeated requests to correct and remove false and inaccurate information from my credit report have been continuously denied or ignored. This is unacceptable. As a consumer, I am entitled to accurate reporting under the law, and the ongoing presence of these inaccuracies is a clear violation of that right. These errors are severely damaging my credit score and causing significant harm to my financial stability and daily life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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

Company 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 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NH

Complaint narrative:
All of this happened on XX/XX/XXXX on moneygram. Someone opened an account with my information and using my email which notified me of the fraud. Opened at XXXX. Then got these emails : We Need More Information Authorization Number XXXX Please call us at XXXX to help us process your transaction. 
MoneyGram reviews selected transactions for consumer protection purposes. After reviewing your transaction, weve determined that we need a little more information to process it. 
Please call us within 48 hours or your transaction will be canceled. 
When you call, please have your authorization number ready. Our Customer Care teams are available 24/7. 
Authorization Number:XXXXReceiver : XXXX XXXX XXXX Amount:XXXX XXXXSend DateXXXX. 
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. 
Find a Location Track Your Transfer 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 XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Transaction Date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Sender Information MoneyGram Plus : XXXX Name : XXXX XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX United States Receiver Information Name : XXXX XXXX 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 XXXX  Transfer Fees : + XXXX USD Transfer Taxes : XXXX XXXX  Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX XXXX XXXX Exchange Rate : XXXXXXXX XXXX XXXX XXXX XXXX Receive Amount : XXXX XXXX  Other Fees : XXXX XXXX  Other Taxes : XXXX XXXX Total Receive Amount : XXXX XXXX. 
We Need More Information Authorization Number XXXX Please call us at XXXX to help us process your transaction. 
MoneyGram reviews selected transactions for consumer protection purposes. After reviewing your transaction, weve determined that we need a little more information to process it.

Please call us within 48 hours or your transaction will be canceled. 
When you call, please have your authorization number ready. Our Customer Care teams are available 24/7. 
Authorization XXXX : XXXX XXXX XXXX XXXX XXXXSend DateXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: DC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am writing to dispute inaccurate, incomplete, or unverifiable information on my credit report, as detailed below. I request that you conduct a reasonable investigation of these items and correct or remove them as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica
State: CA

Complaint narrative:
XX/XX/XXXX my mother passed away. I was the sole beneficiary of her checking/savings accounts at Comerica Bank XXXX I kept the accounts opened for approximately one year after my mother 's death. In XXXX of XXXX I wanted to close the accounts and transfer the funds. I provided a death certificate to Comerica and pointed out that I was the sole beneficiary. I live in XXXX. My mother 's bank branch was in XXXX XXXX. I called multiple bank branches and was told different story at eah. 
I was first told that I needed to go to her branch bank in XXXX to close the account. I was told that the fiduciary would have to close the account. I explained that my mother had passed and the fiduciary, who had been my mother 's sister, was discharged from her duties upon my mother 's passing. After four attempts and four refusals from Comerica, I drew down the accounts to XXXX balances. Comerica began charging a monthly fees for having no balance. Eventually they closed the accounts. Comerica charged a total of {$120.00} and turned it over to a collection agency that contacted me. I sent them a death certificate and explained that the fees for not for over-drafts. The collection agency acknowledged and discontinued trying to collect. After the collection agency told me that the matter was dropped, I thought the issue finally resolved. I discovered in XXXX that Comerica charged my mother 's sister the fee of {$120.00} in XXXX. Comerica acknowledge that they had written off the amount, but that they would not refund the money. My mother 's sister/my aunt had not been a signatory on the accounts for more that two years. They refused to allow me to close the accounts, but charged my aunt for the fees that Comerica had assessed. I reimbursed my aunt for the fees that Comerica took from her personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Ftc Free annual credit report has ex wife XXXX  XXXX XXXX XXXX on report my kids XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after 2014 Divorce XXXX wa XXXX XXXX XXXX XXXX XXXX remarried XXXX XXXX in 2014 right after divorce XXXX XXXX XXXX still single

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 2025-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am disputing the way this account is being reported by Transworld Systems Inc. regarding an alleged debt from XXXX XXXXXXXX XXXX. The account reflects a " collection account '' showing {$430.00} past due as of XXXX XXXX. This future-dated entry is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), which requires data furnishers and credit bureaus to report only accurate and verifiable information ( 15 U.S.C. 1681e ( b ) ).

In addition, I have already submitted a formal debt validation request to the collector in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and they have failed to respond within the legally required timeframe. As such, continuing to report this debt without proper validation is a direct violation of federal law. 

I respectfully request that this account be : Immediately removed from my credit file, or Corrected to reflect verified, accurate, and lawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I am being contacted by your company concerning a debt owed to you. I am disputing owing any and all debts to your company. I am also revoking all rights of your company contacting me via email, text, and calls. 

I am requesting debt validation from your company. And requesting the purchase agreement between your company and the original creditor. Along with requesting that you furnish me proof that your company are licensed and bonded. 

I have not been given the chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Nor has your company provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ).

Your company is in the practice of violating my consumer rights by using false, misleading, misrepresentation and deceptive means.

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 2025-04-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to demand the immediate removal of alleged late payments reported by Navy Federal Credit Union ( Account # XXXX ) that appears on my XXXX credit file. This reporting is inaccurate, harmful, and in violation of multiple provisions under the Fair Credit Reporting Act. 
According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a late payment is considered a transactional experience between the consumer and the creditor, and does not qualify for third-party reporting by XXXX Additionally, under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding full proof of these alleged late payments, along with detailed documentation of your so-called " investigation. '' Furthermore, under XXXX U.S. Code 605B, it is illegal to report any information on my credit file without my explicit permission. I have never granted XXXX or any third party the right to report or share my personal financial data. These false entries are actively harming my creditworthiness, and I will not tolerate it. 
Navy Federal Credit Union has always been a valued financial partner, and Im requesting their assistance in confirming whether this account was ever truly reported as late. If not, XXXX must correct the record immediately. If you can not provide verified, first-hand documentation from the original creditor, you are required to remove this negative mark and update the account as " current '' and " paid as agreed. '' I expect written confirmation of this correction within 30 days. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the FTC, and potential legal action. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX  Account number XXXX For identity verification, I am including the following documents : A copy of my California-issued ID A copy of my Social Security card A recent bank statement showing my current address

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 2025-04-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have a 90 late payment on my credit report from a stundent loan thats not my loan. This has dropped my score drastically. I called the number nobody has any information about this. Its not coming up in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation