vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
The remittance was sent to a number that's not available anymore .remitly doesn't have an option to change the number so it can be sent to the right phone number and it takes weeks to find out if I can get the money back to me or not. 
It's XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Second time XXXX  has allowed purchase of XXXX then would not allow transfer to external wallet, charging fees for purchase as well as to sell crypto back, then they froze the money for up to 180 days for some absurd reason for " loss prevention ", parent company paypal did same thing before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
I am writing to file a formal credit dispute and identity theft claim with TransUnion and to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) due to the seriousness of the situation. 

I am a victim of identity theft, confirmed and documented in my FTC Identity Theft Report ( Report # : XXXX ). Additionally, my personal information was exposed in a data breach, and my identity has been fraudulently used to open accounts, submit unauthorized applications, and initiate inquiries that I never authorized. 
As a result, my credit report with TransUnion - dated XX/XX/year> - contains numerous fraudulent accounts, hard inquiries, addresses, phone numbers, employers, and negative entries that I am formally disputing. 
As required under the Fair Credit Reporting Act ( FCRA ), Section 605B, I request immediate and permanent action to : 1. Remove ALL fraudulent or unauthorized accounts and collections reported in my name.

2. Delete ALL negative items that stemmed from the identity theft, including : - Charge-offs - Late payments - Collections - Delinquencies 3. Remove ALL unauthorized hard inquiries initiated by identity thieves. 4. Delete ALL personal information not authorized by me, including : - Addresses : - XXXX XXXX XXXX XXXX, XXXX, AZ - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI - XXXX XXXX XXXX XXXX XXXX XXXX, MO - Associated phone numbers from unfamiliar area codes- Employer entries not associated with my real employment history 5. Block all fraudulent items from reappearing, in accordance with FCRA provisions.

6. Provide me with a corrected and verified copy of my updated TransUnion credit report reflecting the changes.

7. Confirm that my report has been flagged with a fraud alert, and indicate if any security freeze or extended fraud alert has been applied. 

I respectfully request written confirmation from both TransUnion and the CFPB that this matter has been reviewed and resolved in accordance with federal law. 
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 non-monetary relief
Consumer complaint received 2025-07-05 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: TN

Complaint narrative:
I also want to clarify that I never had Credit Protection with XXXX. They never offered it, never enrolled me, and never sent me any information about it. Their claim of credit protection is false. I never received a letter or email confirming any coverage or benefit. If they say I was covered, they need to provide proof which they havent. 

I emailed and called XXXX multiple times asking for documentation, and they either ignored my request or gave inconsistent answers. I have emails showing that they never asked for information from me, and Ive still received no response from their support team after my dispute. 

XXXX is clearly not following proper reporting standards. The charge-off was reported after the account was paid, and I have bank statements showing payments of {$30.00} in XXXX and {$100.00} in XX/XX/year>. The Experian report even confirms a {$510.00} payment made in XXXX that brought the balance to {$0.00}. 

I also request a review of all three of my XXXX  accounts. I only received small partial refunds, even though I paid into all of them. Where is the rest of my refund? XXXX  has an F rating with the XXXX for the same reason misreporting and withholding refunds. 

I am asking the CFPB to re-investigate this account and hold XXXXXXXX XXXX accountable . This account should be completely removed from my credit report, and I request a full refund for the money I paid into all three 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 2025-07-05 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: UT

Complaint narrative:
Sample Complaint Text : I am submitting this formal complaint against XXXX, Equifax, and TransUnion for failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ). 

My credit reports contain inaccurate, fraudulent, and unauthorized accounts and hard inquiries that I did not open or authorize : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unauthorized hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed detailed disputes with all three credit bureaus, including written letters and an identity theft statement, requesting they investigate these items, provide proof of my authorization, or remove them immediately. These accounts and inquiries are the result of identity theft, and I have also filed an identity theft report with the appropriate authorities. 

Despite my good-faith efforts to resolve this directly, the credit bureaus have not provided timely resolutions or removed the disputed information as required under FCRA. I am requesting the CFPBs assistance in enforcing my legal rights and requiring these credit reporting agencies to : 1. Remove the fraudulent accounts and unauthorized hard inquiries from my reports.

2. Provide documentation of any records they claim verify these items.

I have attached : Copies of my dispute letters. 
My identity theft statement. 
Proof of mailing. 
My credit reports showing the disputed items. 

I am seeking full removal of these fraudulent and unauthorized items from all my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccurate unauthorized accounts/information reporting to my credit report. These-remarks have been detrimental to my life and credit heatth.

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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: WI

Complaint narrative:
I contacted Discover Bank to find out why my account was closed without my permission. The answer was due to the lack of usage. This company has called me several times which is stressful. I'm currently XXXX and have explained thus to them before. I haven't been employed for a year. I'm currently awaiting my XXXX decision. I have nothing to pay them with and I feel that it was totally unfair to close the account without any notification or authorization from me. Thus account is now hurting my credit fike and I'm mentally drained from the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: IN

Complaint narrative:
I disputed the XXXX XXXX account on my credit report after discovering it was time-barred, unverified, and the subject of unlawful collection activity. I submitted a written dispute requesting full validation and reinvestigation. Despite this, the bureau continued to report the account without providing proper verification or source documentation. On XX/XX/year>, I filed a civil lawsuit in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus were notified but failed to update or delete the inaccurate information, violating FCRA 611 and 623. I am attaching a copy of my court filing to confirm the seriousness of the 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 explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/year>, I deposited two checks from my employer into my Truist account. One check was missing the Pay to the Order of name due to a mistake. I endorsed both and deposited via the mobile app.

Truist locked my account and began a fraud investigation, even though I and the check issuer went to a branch to verify the checks in person. The branch confirmed their validity and added a note on the account. 

I submitted a CFPB complaint earlier, but the companys response on XX/XX/year> was vague and failed to answer my 3 requests : ( 1 ) a timeline to return the funds, ( 2 ) an explanation of the account lock, ( 3 ) instructions on how I can recover the money.

I am still without access to my money and facing serious financial hardship. Truist continues to withhold the funds without clear cause or resolution. 

I am asking for CFPBs help again in getting a full and clear response from Truist.

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, FL XXXX, am writing to formally state that I have no knowledge of, nor did I authorize the opening or use of, the account in question that was fraudulently opened in my name. 

I did not apply for, consent to, or benefit from this account, and I believe it was opened without my knowledge or permission, possibly as a result of identity theft. I discovered this unauthorized account on XX/XX/year>, and took immediate steps to report the matter to the appropriate parties. 

I respectfully request that this account be fully investigated and permanently removed from my credit file. I also request that any negative or derogatory information related to this fraudulent account be corrected or deleted as appropriate. 

I am willing to cooperate fully with any investigation and can provide supporting documentation if needed.

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 2025-07-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-05 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccurate unauthorized accounts/information reporting to my credit report. These-remarks have been detrimental to my life and credit heatth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccurate unauthorized accounts/information reporting to my credit report. These-remarks have been detrimental to my life and credit heatth.

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 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-05 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: MO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate deletion of all negative, inaccurate, and fraudulent information from my Equifax credit report dated XX/XX/2025, Confirmation # : XXXX. I am a confirmed victim of identity theft and was additionally affected by a data breach in which my personal information was compromised and misused. 
As documented in my official FTC Identity Theft Report ( # XXXX ), unauthorized individuals used my name, Social Security number, and other personal information to open fraudulent accounts, make hard inquiries, and generate derogatory entries that do not belong to me. 
As required by the Fair Credit Reporting Act ( FCRA ), I request that Equifax : 1. Delete all fraudulent and unauthorized accounts including any that show delinquent payment history, charge-offs, or collections. 
Specifically : XXXX XXXX XXXX XXXX Reported as charged off with past due balance XXXX XXXX XXXX Collection account for XXXX XXXX XXXX XXXX  Collection account for XXXX XXXX  2 . Remove all hard inquiries made without my authorization, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Delete any addresses, names, or employment listings that do not reflect my true personal information or work history.

4. Block all fraudulent and disputed items from reappearing on my credit report in accordance with FCRA 605B.

5. Provide me with an updated and corrected version of my credit report once all deletions are complete.

6. Confirm that a fraud alert or extended fraud alert has been placed on my file and advise me of any additional protections I may be eligible for ( e.g., security freeze ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: IN

Complaint narrative:
I disputed the XXXX XXXX account on my credit report after discovering it was time-barred, unverified, and the subject of unlawful collection activity. I submitted a written dispute requesting full validation and reinvestigation. Despite this, the bureau continued to report the account without providing proper verification or source documentation. On XX/XX/year>, I filed a civil lawsuit in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus were notified but failed to update or delete the inaccurate information, violating FCRA 611 and 623. I am attaching a copy of my court filing to confirm the seriousness of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-05 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: FL

Complaint narrative:
b'I previously submitted a dispute to Experian regarding several accounts that are reporting inaccurate and unverifiable information. Experian responded claiming the information was verified, but failed to provide any documentation from the original creditors or conduct a proper reinvestigation under FCRA  1681i.\nThe following accounts are reporting both charge-offs and past-due balances, which is misleading and non-compliant with FCRA and Metro 2 guidelines:\XX/XX/XXXXThese accounts continue to harm my credit profile. I also submitted a Final Notice Before Litigation letter to Experian, warning of legal action under FCRA  1681n for willful noncompliance.\nI am attaching this letter to this complaint and respectfully request the CFPB to step in and require Experian to either (1) provide documented verification from the creditors, or (2) remove the inaccurate accounts.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$2000.00} ) could not verify this account is accurate or that it belongs to me. If it do belong to me, then they need send me proof of validation and a contact with my signature that I owe them this amount

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Reported balance {$280.00} Actual payment amount Date of last payment XX/XX/XXXX Past due amount {$280.00} Account status Closed Date reported XX/XX/XXXX Identity theft Fraudulent Account opened without my consent or knowledge, I a victim of identity theft. This account does not belong to me. File a police report for fraud as well as as the FTC

Company response to consumer: Closed with explanation