vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/year>, I purchased a {$480.00} Western Union XXXX XXXX at XXXX ( Store XXXX XXXX XXXX because I needed to deposit cash into my XXXX bank account and there were no physical branches nearby. My intention was to deposit the money order via mobile deposit. 
I completed the mobile deposit using the Western Union money order and then discarded the original document. The next day, XXXX reversed the deposit due to an image quality issue with the scanned money order, and I was unable to recover the original. At that point, the money order was effectively lost. 
I do not have the money order serial number, but I have both original receipts from XXXX showing the money order purchase and transaction details. 
XXXX Western Union 's guidance for lost money orders without a serial number, I submitted the XXXX XXXX XXXX XXXX form, along with : XXXX XXXX receipts clearly showing the money order purchase A {$15.00} check for the processing fee ( which was cashed ) My full contact information After several weeks, I received a generic text stating : We're sorry, we can't find your money order with the details provided. If you have proof of purchase, please resend it with the research form and fee. 
I resent everything, including the form, receipts, and documentation again. I received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Unauthorized Hard Inquiries Immediate Removal Requested ( XXXX  ) Dear CFPB Representative, I am filing a formal complaint against Wells Fargo Auto regarding repeated unauthorized hard credit inquiries reported by XXXX. On my XXXX  credit report, Wells Fargo Auto placed inquiries on the following dates : XX/XX/year> XX/XX/year> I did not apply for credit, sign any contract, or authorize these inquiries. 

I previously disputed these inquiries directly with XXXX  and Wells Fargo Auto. Despite my disputes, I was told the inquiries were verified and accurate. However, no proof of authorization has ever been provided, and this matter has been ongoing for over a year. Wells Fargo Auto has failed to demonstrate a permissible purpose for accessing my credit file.

Under the Fair Credit Reporting Act ( FCRA, Section 604 ), a creditor must have both a permissible purpose and consumer consent before obtaining a credit report. Without documented authorization, these inquiries are unlawful.

Sincerely,

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 2025-08-17 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: GA

Complaint narrative:
Re : Request for Deletion of Bankruptcy Reporting To Whom It XXXX Concern, I am writing to formally dispute the accuracy and continued reporting of a bankruptcy entry currently appearing on my credit report. The disputed entry is as follows : Bankruptcy Type : XXXX XXXX XXXX/Case Number : XXXX XXXX XXXX GA XXXX XXXX XXXX Filed : XX/XX/year> Legal Basis for Dispute Right to Privacy XXXX XXXX. XXXX ( a ) ( XXXX ) XXXX recognized in the Fair Credit Reporting Act that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The inclusion of bankruptcy information in my credit file without proper verification infringes upon this right to privacy and fairness. 

XXXX to Report Accurately XXXX XXXX. XXXX Under the FCRA, consumer reporting agencies are required to ensure that all information they report is accurate and verifiable. If the bankruptcy information can not be directly verified with the court of record, it must be deleted. Public record data obtained through XXXX vendors, without original verification from the court, does not meet this legal standard. 

Requirement for Maximum Possible Accuracy XXXX XXXX. XXXX ( b ) Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. If Experian, Equifax, or TransUnion can not provide direct, documented verification from the appropriate court, then this bankruptcy record must be removed. 

Request for XXXX I am requesting that your agency provide : The method of verification used to report and continue reporting this bankruptcy, including the name of the person or agency that verified the information and the exact source of the court records. 

If proper verification can not be obtained directly from the court, I demand immediate deletion of the bankruptcy entry from my credit report in accordance with my rights under the FCRA. 

Notice of Compliance If you fail to provide proper verification and continue reporting this information, it will constitute a violation of the FCRA and my right to privacy under XXXX XXXX. XXXX ( a ) ( XXXX ). Continued noncompliance XXXX subject your agency to liability for statutory damages, actual damages, and attorneys fees under XXXX XXXX. XXXX and XXXX. 

I expect written confirmation of the results of your reinvestigation within the XXXX days required under federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
Re : Request for Deletion of Bankruptcy Reporting To Whom It XXXX Concern, I am writing to formally dispute the accuracy and continued reporting of a bankruptcy entry currently appearing on my credit report. The disputed entry is as follows : Bankruptcy Type : XXXX XXXX XXXX/Case Number : XXXX XXXX XXXX GA XXXX XXXX XXXX Filed : XX/XX/year> Legal Basis for Dispute Right to Privacy XXXX XXXX. XXXX ( a ) ( XXXX ) XXXX recognized in the Fair Credit Reporting Act that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The inclusion of bankruptcy information in my credit file without proper verification infringes upon this right to privacy and fairness. 

XXXX to Report Accurately XXXX XXXX. XXXX Under the FCRA, consumer reporting agencies are required to ensure that all information they report is accurate and verifiable. If the bankruptcy information can not be directly verified with the court of record, it must be deleted. Public record data obtained through XXXX vendors, without original verification from the court, does not meet this legal standard. 

Requirement for Maximum Possible Accuracy XXXX XXXX. XXXX ( b ) Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. If Experian, Equifax, or TransUnion can not provide direct, documented verification from the appropriate court, then this bankruptcy record must be removed. 

Request for XXXX I am requesting that your agency provide : The method of verification used to report and continue reporting this bankruptcy, including the name of the person or agency that verified the information and the exact source of the court records. 

If proper verification can not be obtained directly from the court, I demand immediate deletion of the bankruptcy entry from my credit report in accordance with my rights under the FCRA. 

Notice of Compliance If you fail to provide proper verification and continue reporting this information, it will constitute a violation of the FCRA and my right to privacy under XXXX XXXX. XXXX ( a ) ( XXXX ). Continued noncompliance XXXX subject your agency to liability for statutory damages, actual damages, and attorneys fees under XXXX XXXX. XXXX and XXXX. 

I expect written confirmation of the results of your reinvestigation within the XXXX days required under federal law. 

Thank you for your prompt attention to 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion and Equifax have reinserted an account from XXXX XXXX XXXX XXXX XXXX ( {$1300.00} ) that was previously deleted from my credit report. They did not provide any notice of reinsertion as required under FCRA XXXX ( A ) ( XXXX ) ( B ). This is inaccurate reporting and violates FCRA XXXX ( B ). I am requesting immediate and permanent deletion of this account from my credit files, as it should not have been reinserted without proper certification and notification. 

I am requesting that this account be permanently deleted from my credit reports with TransUnion and Equifax and that it can not be reinserted unless full compliance with the FCRA is met.

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 2025-08-17 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: UT

Complaint narrative:
PLEASE SEND CONSENT LETTER I WROTE TO GIVE PERMISSION TO FURNISH UNAUTHORIZED ACCTS ON MY CONSUMER 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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
My Venmo account was suddenly suspended without warning or a clear explanation. Venmo is holding my balance of {$130.00} and will not allow me to transfer or withdraw my own funds. I contacted customer support, but they only informed me that my money would be held for XXXX  days without providing a valid reason or evidence of wrongdoing. 
Dates are XX/XX/XXXX and XX/XX/XXXX where they sent me this email. 
I rely on access to my money, and I believe XXXX actions are unfair and potentially unlawful. I am requesting that Venmo immediately release my funds back to me or provide a clear, documented explanation for why they are being held. Their lack of transparency and refusal to release my balance is causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
I noticed an annual charge for a company I didn't recognize. I investigated and it was some kind of active/race website that I signed up for when living in XXXX. The account was " free '' and I didn't even have a card stored on their webpage. I closed my account, but I looked into a reddit thread where many people have been scammed from this company. They somehow obtain your CC info and charge an annual fee. I have apparently been charged $ XXXX for several years ( before COVID ), an amount low enough to go unnoticed, for a service I never signed up for our authorized under the guise of a free account. I don't even know how they got my CC info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
purchased a XXXX XXXX prepaid gift card on [ XX/XX/year> ] in the amount of {$250.00} Despite it being marketed as a general-purpose card that can be used anywhere, I have been repeatedly blocked from using it including for essential purchases like XXXX and XXXX legitimate online vendors. 

I contacted XXXX customer service and spoke to a supervisor who informed me that the card can not be used for things like XXXX XXXX, betting, or certain online purchases, even though none of these restrictions were disclosed prior to purchase. Additionally, she stated that the only way to receive a refund is to wait up to XXXX weeks for a check to be mailed, which is an unacceptable delay for a product I paid for in good faith. 

While on hold to escalate this to a XXXX, the call mysteriously dropped after being left in silence. I was not contacted again, and no resolution was provided. 

This is deceptive and misleading. I am requesting an immediate refund, without delay, and an investigation into their misleading advertising and customer service tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: MO

Complaint narrative:
These accounts listed below on my credit report was verified after my dispute, despite being inaccurate .The credit report shows significant discrepancies. These discrepancies show the accounts as inaccurate, incomplete, or unverifiable, breaking my FCRA rights under 15 USC 1681. These inaccuracies are highly injurious to my credit report. These inaccuracies have damaged my credit score, restricted my access to credit, and violated my privacy and confidentiality rights under 15 USC 1681. The credit bureaus failure to delete unverifiable information after my dispute is a clear breach of FCRA obligations. The FDCPA prohibits misleading or deceptive reporting practices, and the continued presence of this account with conflicting statuses may constitute a violation, further justifying its immediate removal. The FDCPA ( 15 U.S.C. 1692e ) prohibits debt collectors from using false or misleading representations, including inaccurate reporting of account statuses or dates. XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received inquiries reports in XXXX is many ones is not authorised by me from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received inquiries reports in XXXX is many ones is not authorised by me from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Figure Technologies, Inc
State: FL

Complaint narrative:
My credit reports with XXXX XXXX XXXX XXXX  are incorrectly showing XXXX active mortgage accounts when I only have XXXX. The reports are inflating my mortgage balance to approximately {$830000.00} when my actual balance is about {$430000.00} with XXXX XXXX XXXX It appears that when my loan servicing was transferred from XXXX XXXX, IT did not update their tradeline to transferred/closed with {$0.00} balance, and it is still showing as open. This has created a duplicate account and an inflated debt balance. 

I have already disputed this with the credit bureaus and contacted my servicer, but the error has not been corrected. This inaccurate reporting is harming my credit profile by doubling my mortgage balance and debt obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
I am disputing accounts and/or inquiries on my credit report that do not belong to me and appear to be the result of identity theft. My personal information was exposed in a security incident, as confirmed in the attached notice I received from XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>2025.

This breach letter confirms that my name and Social Security number were compromised. Therefore, I request that the CFPB and the credit bureaus investigate and remove any fraudulent or inaccurate accounts or inquiries associated with my file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ).

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 2025-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: TX

Complaint narrative:
CFPB Online Complaint Portal Your Information : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Company Complained About : Name : Missouri Higher Education Loan Authority ( MOHELA ) ( or the correct lender if different ) Address : Missouri Higher Education Loan Authority ( MOHELA ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website : www.mohela.com Account Numbers Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : Issue : Privacy/Security Improper use of my credit report or other information Description of Problem : Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must provide consumers with a privacy notice and the right to opt out before sharing nonpublic personal information ( NPI ) with non-affiliated third parties.

Missouri Higher Education Loan Authority ( or relevant lender ) failed to provide me with the required GLBA privacy notice and opt-out disclosure before sharing my loan information with XXXX XXXX and XXXX ( non-affiliated third parties ).

As a result, these accounts were improperly reported on my credit file without my consent. This violates : GLBA ( 15 U.S.C. 6801-6809 ) Right to opt out of NPI sharing .

FTC Privacy Rule ( 16 CFR Part 313 ) Required disclosures.

Fair Credit Reporting Act ( FCRA ) Unlawful furnishing of inaccurate data.

Attempts to Resolve : ( If applicable ) I sent a written opt-out request to the lender on [ date ] but received no response.

I disputed these accounts with the credit bureaus, but they remain on my report.

Desired Resolution : XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
Subject : Harley Davidson Financial Services Illegal Re-aging of Charged-Off Debt in Violation of the FCRA Complaint : I am reporting Harley Davidson Financial Services for

unfair and unlawful credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ). Original account charged off in XXXX. 

On XX/XX/XXXX, Harley Davidson reopened a closed charged-off account and reported it as a new charge-off. This caused a XXXX drop in my XXXX credit score.

Two weeks later, Harley closed the account again but my score did not recover because the credit bureau treated it as a new derogatory event. 

On XX/XX/XXXX, Harley Davidson again reopened the account as a new charge-off, causing an additional XXXX drop. The account is still currently reported as open. 

This constitutes illegal re-aging of a charged-off account, which violates : 15 U.S.C. 1681e ( b ) accuracy of reporting ; 15 U.S.C. 1681c ( a ) 7-year reporting limitation from DOFD ; 15 U.S.C. 1681s-2 ( a ) ( 5 ) prohibition on changing the DOFD. Harley Davidsons actions appear intentional and designed to cause prolonged harm to my credit score, despite the debt already being charged off years ago. Requested Action : 1. Remove
Harley Davidson in full from all three of my credit reports as it's no longer possible to un-age their illegal act. The illegal damage they have done to my credit report can only be corrected by complete removal.

2. Investigate Harley Davidson Financial Services for deceptive, abusive credit reporting practices.

3. Ensure enforcement of FCRA provisions to stop unlawful re-aging of accounts.

Company response to consumer: Closed with explanation