vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI

Complaint narrative:
I am filing a complaint regarding delayed refunds for two MoneyGram money orders that were purchased, canceled, and never cashed. 
I purchased two MoneyGram money orders on XX/XX/year>, in the amounts of {$500.00} and {$330.00}. After misplacing them, I requested cancellation. The money orders were later recovered but rejected because they had already been flagged as canceled. 
I submitted Money Order Replacement / Refund requests online, and MoneyGram issued case numbers : XXXX and XXXX. 
Despite having valid case numbers, proof of purchase, and confirmation that refunds are issued by mail, I have been unable to obtain a clear status update. Phone representatives are unable to locate the cases, and I have not received confirmation of refund processing or a mailed refund check. 
I am requesting assistance to confirm that these cases are active in MoneyGrams Money Order Replacement system and to ensure the refunds are processed and mailed without further delay.

The money orders were never cashed, and I am seeking the return of my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
While I was XXXX overseas on XXXX XXXX, multiple financial accounts were opened without my knowledge or authorization. These accounts include credit and/or financial services established during my XXXX period, without my consent, signature, or participation. 

I did not apply for, authorize, or benefit from these accounts. I became aware of the activity only after returning and reviewing my credit reports. Some of the unauthorized accounts show balances, charges, and/or delinquent activity that I did not incur.

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 2025-12-22 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 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 explanation
Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXRe: Request for Method of Verification under 15 U.S.C. 1681i(a)(7)\n\nAccount Name: XXXX XXXX XXXX XXXX XXXXAccount Number: XXXXReported Balance: XXXXDate Opened: XXXXTo Whom It May Concern,\n\n\n\nI am writing in reference to the above-listed account currently appearing on my consumer credit report. I previously disputed this account, and it has been marked as verified. Pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i(a)(7), I am formally requesting a detailed description of the method of verification used to validate this account.\n\n\n\nPlease provide the following information:\n\n\n\nThe name, address, and telephone number of the person or entity that verified the information.\nA description of how the verification was conducted, including whether the verification was done via written documentation, electronic database, or verbal confirmation.\nThe specific documents relied upon to verify the accuracy, completeness, and legal authority of this account, including proof of:\nThe original creditor relationship\nChain of assignment or ownership\nLegal authority to collect\nAccurate balance calculation (as the balance exceeds the original amount)\n\n\n\n\n\nAdditionally, please note that the reported balance reflects an increase from the original balance of XXXX XXXX XXXX which raises concerns regarding accuracy and potential unauthorized fees or interest. If you are unable to provide proper documentation supporting this balance, the account must be deleted immediately in accordance with 15 U.S.C. 1681i(a)(5)(A).\n\n\n\nThis request is not a refusal to pay, but a lawful request for verification as provided by federal statute. Failure to respond within the required time frame, or failure to provide adequate verification, will constitute non-compliance with the FCRA.\n\n\n\nPlease provide your response in writing only.\n\n\n\nThank you for your prompt attention to this matter.\n\n\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXRe: Request for Method of Verification under 15 U.S.C. 1681i(a)(7)\n\nAccount Name: XXXX XXXX XXXX XXXX XXXXAccount Number: XXXXReported Balance: XXXXDate Opened: XXXXTo Whom It May Concern,\n\n\n\nI am writing in reference to the above-listed account currently appearing on my consumer credit report. I previously disputed this account, and it has been marked as verified. Pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i(a)(7), I am formally requesting a detailed description of the method of verification used to validate this account.\n\n\n\nPlease provide the following information:\n\n\n\nThe name, address, and telephone number of the person or entity that verified the information.\nA description of how the verification was conducted, including whether the verification was done via written documentation, electronic database, or verbal confirmation.\nThe specific documents relied upon to verify the accuracy, completeness, and legal authority of this account, including proof of:\nThe original creditor relationship\nChain of assignment or ownership\nLegal authority to collect\nAccurate balance calculation (as the balance exceeds the original amount)\n\n\n\n\n\nAdditionally, please note that the reported balance reflects an increase from the original balance of XXXX XXXX XXXX which raises concerns regarding accuracy and potential unauthorized fees or interest. If you are unable to provide proper documentation supporting this balance, the account must be deleted immediately in accordance with 15 U.S.C. 1681i(a)(5)(A).\n\n\n\nThis request is not a refusal to pay, but a lawful request for verification as provided by federal statute. Failure to respond within the required time frame, or failure to provide adequate verification, will constitute non-compliance with the FCRA.\n\n\n\nPlease provide your response in writing only.\n\n\n\nThank you for your prompt attention to this matter.\n\n\n\nSincerely,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 2025-12-22 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting resulting from identity theft. I was born on XX/XX/year>, and therefore was a XXXX at the time all disputed accounts and a bankruptcy filing were opened. I did not apply for, authorize, sign for, use, or benefit from any of these accounts and lacked legal capacity to enter into any financial agreements. 

I have always resided only at XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses appearing on my credit reports are fraudulent and not associated with me in any way XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent items include 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 XXXX 

An FTC Identity Theft Report and a XXXX XXXX XXXX Sheriffs report are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 this complaint regarding inaccurate credit reporting resulting from identity theft. I was born on XX/XX/year>, and therefore was a XXXX at the time all disputed accounts and a bankruptcy filing were opened. I did not apply for, authorize, sign for, use, or benefit from any of these accounts and lacked legal capacity to enter into any financial agreements. 

I have always resided only at XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses appearing on my credit reports are fraudulent and not associated with me in any way XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent items include 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 XXXX 

An FTC Identity Theft Report and a XXXX XXXX XXXX Sheriffs report are attached.

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 2025-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TN

Complaint narrative:
I called the company on a XX/XX/year>, the amount of XXXX for a bill I was paying on before hand then wasnt give any warning on it being sent to Fox collections and I ask for a bill of payment and itemized bill to see what I was charged for but I didnt receive nothing nor a next time due date and didnt receive the correct bill either nor name on the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I submitted information interference to the removal of my XXXX XXXX XXXX  account, do to payment being made before the charge off the three credit bureaus has not remove the account from my reportt.i have written them to inform them of the status I received from the CFPB the information has not been remove i have been disputing this incorrect information for over some time and nothing has been done l I would like for this situation to be investigated thank you

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 2025-12-22 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 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: TX

Complaint narrative:
Attached is my myFICO 3-Bureau credit report dated XX/XX/year>, which shows the disputed XXXX XXXX XXXX account reporting only on Equifax and Experian  and not on XXXX further demonstrating inconsistent and inaccurate credit reporting.

I disputed this account with the credit reporting agencies because the accuracy of the account was in question. After my dispute, TransUnion deleted the account from my XXXX credit report. However, the same account continues to be reported by Experian/Equifax . 

Because one nationwide consumer reporting agency deleted the account while another continues to report it, the information can not be consistently verified as accurate. This inconsistency demonstrates that the account information being reported is inaccurate or unverifiable. 

I previously requested verification and documentation showing how Experian/Equifax investigated and verified this account, including the method of verification and the data relied upon. Experian/Equifax did not provide this information.

As a result, inaccurate account information remains on my credit report despite prior disputes and notice.

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 2025-12-22 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
I previously submitted complaints to the CFPB regarding Portfolio Recovery Associates , LLC on XX/XX/year> and XX/XX/year>. Despite these complaints, the company has continued to contact me repeatedly by phone, never leaving a voicemail or message, on the following dates and times : XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  I do not have any debt with anyone, and these calls are harassment under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d, which prohibits debt collectors from engaging in conduct intended to annoy, abuse, or harass a consumer. The fact that Portfolio Recovery repeatedly calls without leaving any voicemails further demonstrates that the purpose of these calls is harassment, not legitimate communication.

I request that the CFPB investigate Portfolio Recovery Associates for : 1. Harassing me with repeated calls for a debt I do not owe. 
2. Ignoring my previous CFPB complaints submitted on XX/XX/year> and XX/XX/year>. 
3. Failing to comply with FDCPA regulations protecting consumers from abusive debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MN

Complaint narrative:
I am filing a complaint regarding my federal student loan servicers failure to correct my PSLF qualifying payment count despite repeated requests. 

I have XXXX eligible PSLF payments documented by my servicer, and I have submitted more than 120 months of qualifying employment certification. However, my account only reflects XXXX qualifying payments.

There are 8 missing qualifying payment months and 4 SAVE forbearance months that should count toward PSLF under current regulations.

I have contacted my servicer multiple times by phone and through written requests. I have also submitted the required PSLF forms and provided all requested information. Each time, I am told there is nothing they can do to correct the payment history. As a result, I remain unable to receive PSLF forgiveness even though I have already met all requirements. 

My servicer has not explained why these months have not been counted, nor have they corrected the errors. I am requesting CFPB assistance to require my servicer to correct the qualifying payment count to include the 8 missing qualifying months and allow me to buyback the 4 SAVE forbearance months, and proceed toward PSLF discharge.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief