vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/year>, I sent {$1000.00} via MoneyGram to an international recipient under fraudulent circumstances. I contacted MoneyGram customer service immediately after discovering the scam to request a refund or cancellation but only received generic responses. I officially filed a case on XX/XX/year>, before the funds were delivered on XX/XX/year>. Additionally, the recipient has stated that they did not receive the funds. 

Similarly, on XX/XX/year> and XX/XX/year> ( before I realized I was being scammed ) I sent a total of {$2000.00} via XXXX. I did not initially file a fraud claim with my bank but am now in the process of doing so. Please consider this part of my overall complaint regarding fraudulent financial transfers. 

Despite my timely reporting and multiple requests for assistance, MoneyGram closed my account without a clear explanation.

I believe they failed to properly investigate the fraud or provide adequate support. I am requesting that MoneyGram reopen my case, provide explanations for their actions, and refund the amounts lost due to the scams. 

Thank you for your assistance.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Acc. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$630.00} Subject : Formal Complaint Against XXXX XXXX XXXX for Failure to Validate Debt To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX regarding their failure to comply with my legal right to debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX is currently reporting one or more collection accounts to the major credit reporting agencies under my name. However, they have failed to provide any documentation to verify that this alleged debt is valid or that I am legally responsible for it. 

Despite requesting validation, XXXX XXXX has not provided : A copy of any original contract or agreement bearing my signature. 

Statements or records showing I incurred the debt. 

Proof of legal assignment of the debt from the original creditor to XXXX XXXX XXXX. 

Any documentation confirming the amount of the debt and how it was calculated.

Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until proper validation has been provided. XXXX XXXX has continued to report this debt to credit bureaus without fulfilling this obligation. This not only violates federal law, but also causes undue harm to my credit and personal well-being. 

I am requesting the following actions : 1. Immediate investigation into XXXX XXXX XXXX 's collection and reporting practices. 

XXXX. Removal of the unverified account ( s ) from all credit bureaus as they are unsubstantiated and therefore inaccurately reported.

3. Enforcement of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of unverifiable or inaccurate information.

I am attaching a copy of my credit report showing the account ( s ) in question. Please consider this an official request for assistance in resolving this matter, as my rights as a consumer are being violated. 

Thank you for your attention to this urgent matter. 

Sincerely, 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: 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Acc. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$630.00} Subject : Formal Complaint Against XXXX XXXX XXXX for Failure to Validate Debt To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX regarding their failure to comply with my legal right to debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX is currently reporting one or more collection accounts to the major credit reporting agencies under my name. However, they have failed to provide any documentation to verify that this alleged debt is valid or that I am legally responsible for it. 

Despite requesting validation, XXXX XXXX has not provided : A copy of any original contract or agreement bearing my signature. 

Statements or records showing I incurred the debt. 

Proof of legal assignment of the debt from the original creditor to XXXX XXXX XXXX. 

Any documentation confirming the amount of the debt and how it was calculated.

Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until proper validation has been provided. XXXX XXXX has continued to report this debt to credit bureaus without fulfilling this obligation. This not only violates federal law, but also causes undue harm to my credit and personal well-being. 

I am requesting the following actions : 1. Immediate investigation into XXXX XXXX XXXX 's collection and reporting practices. 

XXXX. Removal of the unverified account ( s ) from all credit bureaus as they are unsubstantiated and therefore inaccurately reported.

3. Enforcement of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of unverifiable or inaccurate information.

I am attaching a copy of my credit report showing the account ( s ) in question. Please consider this an official request for assistance in resolving this matter, as my rights as a consumer are being violated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I had power by this company and moved. I provided the lease in Florida to prove that I did not live in the state of Texas during the time that the debt was obtained, however they have not settled the debt or responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Hi There On XX/XX/year> I had submitted a dispute for unauthorized charges to this XXXX  XXXX  Current. I have enclosed the documents below. Not only did the bank not contact any of the parties involved including usps, the merchant or the police as I had submitted a police report showing I was in the hospital inpatient with no phone when the charges occurred, but the tracking clearly shows it was delivered to another address and name and they still denied it and this is not the first time either that after 6 weeks of asking they have not only never sent a reason for denying it but never explained how it was even possible to conduct an investigation without even contacting any of the other parties. I checked with all of them myself. They never contacted anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mortgage Research Center, LLC
State: AL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX  ( XXXX  # XXXX ) regarding their handling of the XXXX XXXXXXXX XXXX application ( Loan # XXXX ). I believe their practices may violate provisions of the Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ) due to a lack of transparency and insufficient and potentially prejudicial lending criteria. 
Loan Type : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  Application Date : XX/XX/XXXX Denial Date : XX/XX/XXXX Loan Number : XXXX Reason for Denial : " Late payments for past or present debt '' ( according to the Notice of Action Taken ) Despite submitting a completed loan application and participating in the credit consultation process, they abruptly issued an Unable to Proceed letter. It cites vague credit reasons ( late payments ) without identifying or giving actionable guidance. 
Concerns and Alleged Violations : XXXX. Vague and Unsubstantiated Denial Reason XXXX. Failure to Disclose or Support Late Payment Reasoning XXXX. Possible ECOA Violations Unclear Criteria, No Manual Review Offered XXXX. FCRA Disclosure Failures

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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX \nSSNXXXX XXXXnEmailXXXX XXXX XXXX XXXX XXXXDate: XXXX XXXX XXXX\n\nConsumer Financial Protection Bureau\n\nXXXX XXXX XXXX XXXX  IA XXXXn\n\n\nSubject: Formal Complaint Regarding LexisNexis File Violations Under the Fair Credit Reporting Act \n(FCRA)\nTo Whom It May Concern,\n\n\n\nI am submitting this formal complaint to the Consumer Financial Protection Bureau regarding \nmultiple and severe violations of the Fair Credit Reporting Act (FCRA) by LexisNexis Risk Solutions \nInc. The consumer report LexisNexis has compiled and disseminated about me contains outdated, \nunverifiable, inaccurate, and unauthorized information. These inaccuracies have affected my \ncreditworthiness, financial access, and personal privacy. I respectfully request the Bureau's \nassistance in compelling LexisNexis to comply with federal consumer protection laws.\n\n\n1. Conflicting and Inaccurate Date of Birth   FCRA  1681e(b)\nMy file reports both XXXX XXXX XXXX as my birth year. This contradiction violates your\nduty to maintain maximum possible accuracy. See: Swoager v. Credit Bureau of Greater St. \nPetersburg, 608 F. Supp. 972 (M.D. Fla. 1985).\n\n2. Outdated and Duplicate Address Records   FCRA  1681c(a)(5),  1681e(b)\n\nThe following addresses are outdated or duplicated and must be deleted:\n\XXXX XXXX XXXX XXXX XXXXduplicate entries)\n\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Outdated and Inaccurate Phone Numbers   FCRA  1681e(b)\n\nThe following phone numbers are not current and should be removed:\n\n XXXX XXXX XXXX XXXX  Unauthorized E-Mail   Address   FCRA  1681e(b)\nThe E-Mail address XXXX does not belong to me and is not authorized to appear on my report.  This is inaccurate and must be deleted immediately.\n\n5. Unauthorized Policy Association   FCRA  1681e(b),  1681i(a)\nMy file lists me as associated with a CURE Auto Insurance policy under XXXX XXXX XXXX  I never \nauthorized this association. This is a clear case of a mixed file violation. See: Cahlin v. GMAC, \n936 F.2d 1151 (11th Cir. 1991).\n\n6. UnverifiablXXXX XXXX Policy   FCRA  1681e(b),  1681i(a)\n\nMy name is listed on a XXXX policy with a mismatched birthdate and no verifiable details. This is \nunverifiable data and must be deleted. See: Cortez v. Trans Union, LLC, 617 F.3d 688 (3d Cir. \n2010).\n\n\n\n7. Improper Dissemination to Third Parties   FCRA  1681i(a),  1681d\n\nYou have released inaccurate data to parties including XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required by law to send updated reports to all users who have accessed my data \nin the last 24 months.\nRELIEF REQUESTED:\n\n\nThank you for your attention to this serious matter and for your role in protecting consumer rights \nunder federal law.\n\nRespectfully,\n\nXXXX XXXX XXXX

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: 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: VA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXXXXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

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 2025-06-16 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
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 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-16 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
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 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 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 XXXXXX/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: 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 am submitting this complaint due to unlawful and misleading credit reporting and debt collection practices by both Equifax and XXXX XXXX XXXX, XXXX ( XXXX ) concerning an account labeled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was never properly validated or verified in accordance with federal law. 

Violations : XXXX. Failure to Properly Verify the Account XXXX XXXX XXXX has failed to provide any competent evidence that the alleged debt is accurate, valid, and belongs to me. According to XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX ), verification is defined as the certification or attesting that something is correct. XXXX has not met this burden and is in violation of 15 U.S. Code 1692g ( b ), which requires debt collectors to cease collection until the debt has been validated upon request. 
XXXX. Failure to Provide Required Disclosures I was never sent any legally required notices from Portfolio Recovery prior to them furnishing the alleged account to Equifax, which is a violation of both the FDCPA and FCRA. Specifically : Under 15 U.S. Code 1692g ( a ) ( FDCPA ), debt collectors must provide written notice of the debt within 5 days of initial contact. 
Under 15 U.S. Code 1681s-2 ( a ) ( FCRA ), a data furnisher is prohibited from reporting inaccurate information and must notify the consumer prior to negative reporting. 
XXXX. Duplicate Reporting of the Same Account This account is listed on my Equifax credit report multiple times under slightly different labels, but it is the same Portfolio Recovery account. This misleading and duplicate reporting negatively impacts my credit score and violates : 15 U.S. Code 1681e ( b ) failure to maintain maximum possible accuracy in the consumer report ; 15 U.S. Code 1692e ( 2 ) ( A ) false or misleading representation of the character or legal status of the alleged debt.

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 — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Tonight I noticed that USAA savings bank is reporting an account that was closed in XX/XX/year> and they are still reporting it as an open account and with a past due amount this account is more than 7 years old and its still reporting they changed the date of last delinquency date to reflect a later date to keep it on my credit report long than its supposed to be. This is a violation of my rights per the 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