vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
* * Subject : * * Failure of Equifax, TransUnion, and Experian to Remove Fraudulent Accounts Despite Proof of Identity Theft * * To Whom It May Concern, * * I am filing this complaint against all three major credit bureaus * * Equifax, TransUnion, and Experian * * for willfully violating my rights under the Fair Credit Reporting Act ( FCRA ) by refusing to remove fraudulent accounts that I have repeatedly disputed and provided evidence of being identity theft. 

The fraudulent accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted to all three bureaus multiple times : * A * * police report * * from the XXXX XXXX Sheriffs Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming I am a victim of identity theft. 
* An * * FTC Identity Theft Report * *. 
* Copies of my * * government-issued ID * * and * * proof of residence * *. 

Despite this, these fraudulent accounts continue to be reported on my credit files. Their failure to block or remove these accounts within the required timeframe is a direct violation of * * FCRA 605B * *, which mandates credit bureaus to block information resulting from identity theft * * no later than four ( 4 ) business days * * after receiving proper documentation. 

Furthermore, * * Experian * * has improperly stalled by repeatedly claiming that my documentation was not received, despite having been submitted multiple times. This is bad faith conduct and a direct denial of my consumer rights. 

* * Requested Resolution : * * * Immediate removal of the listed fraudulent accounts from all three credit bureau reports. 
* Written confirmation that these accounts have been permanently deleted. 
* Assurance that no further collection or reporting activity will occur related to these fraudulent accounts. 

I expect prompt corrective action. If the credit bureaus fail to comply, I reserve the right to pursue further legal remedies for damages caused by their continued non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
* * Subject : * * Failure of Equifax, TransUnion, and Experian to Remove Fraudulent Accounts Despite Proof of Identity Theft * * To Whom It May Concern, * * I am filing this complaint against all three major credit bureaus * * Equifax, TransUnion, and Experian * * for willfully violating my rights under the Fair Credit Reporting Act ( FCRA ) by refusing to remove fraudulent accounts that I have repeatedly disputed and provided evidence of being identity theft. 

The fraudulent accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted to all three bureaus multiple times : * A * * police report * * from the XXXX XXXX Sheriffs Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming I am a victim of identity theft. 
* An * * FTC Identity Theft Report * *. 
* Copies of my * * government-issued ID * * and * * proof of residence * *. 

Despite this, these fraudulent accounts continue to be reported on my credit files. Their failure to block or remove these accounts within the required timeframe is a direct violation of * * FCRA 605B * *, which mandates credit bureaus to block information resulting from identity theft * * no later than four ( 4 ) business days * * after receiving proper documentation. 

Furthermore, * * Experian * * has improperly stalled by repeatedly claiming that my documentation was not received, despite having been submitted multiple times. This is bad faith conduct and a direct denial of my consumer rights. 

* * Requested Resolution : * * * Immediate removal of the listed fraudulent accounts from all three credit bureau reports. 
* Written confirmation that these accounts have been permanently deleted. 
* Assurance that no further collection or reporting activity will occur related to these fraudulent accounts. 

I expect prompt corrective action. If the credit bureaus fail to comply, I reserve the right to pursue further legal remedies for damages caused by their continued non-compliance.

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
HI! My name is XXXX XXXX I am writing to you to explain concerns I have about XXXX XXXX XXXX and Remitly. 

Approximately on XX/XX/XXXX I paid a company called XXXX XXXX XXXX ( XXXX  XXXX  ) through the Remitly app the amount of XXXX dollars plus a fee which amounted to {$300.00}. The point of these services was to help assist me with a career in tech where they would build my resume and help train me for interviews for remote positions. They made my resume, did not coach me on what I should say in the interviews and then proceeded to contact me late at night when I could not respond. I decided that I would cancel with them about a week after this and because the contract I signed said I had the right to cancel and that there would be no penalty for canceling I decided that was what I should do. I can provide that contract. After I tried to cancel services with this company that has over XXXX followers on XXXX, they said they would not give me a refund; going against the contract that was signed. I then tried to contact Remitly shortly after that and the customer service misgendered me and froze my account. I then tried to file a dispute with my bank and submitted the contract, the messages and emails back and forth from XXXX XXXX. They were unable to obtain funds from the merchant. I have documents that Remitly sent my bank. ( This was today XX/XX/year> ) I then call Remitly customer service again today and the woman ( said her name was XXXX ) on the phone was very rude and stating that my bank did give the money back. When I told her that's not true and that the claim was denied and that I just got off the phone with my bank, she proceeded to tell me again that the money was there and then after I kept reiterating that it was not, she told me that it's basically my fault that I got " scammed '' on Remitly. I asked her to escalate the call to her supervisor, she declined and said she could not do that. I said that if she views this transaction as a scam that I would like to report this company and she declined again. I said if she could not do it that I would like to be transferred to someone who can take the reports and she declined again and said I would have to email someone or wait on a call back at another time. I am beyond frustrated by both companies and their lack of compassion towards someone who used specifically the Remitly app for about a year now with no issues. I am at a loss for what else to do and it's sad because that money is make or break for someone like me who is trying desperately to find a job. 

I have attached the contract and if need be I can also provide emails and messages from the people working for XXXX XXXX. I have saved everything. 

Sorry for the long message but I hope something can be done for how rude and uncooperative this app has been in regard to a possible fraud scheme that is allowed to be on their app. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
I am formally requesting you cease and desist all communication and collection efforts regarding an alleged debt associated with my name and/or identity. Your company has contacted me regarding account number XXXX XXXX XXXX XXXX XXXXXXXX or debt alleged to be owed to XXXX XXXX which I do not acknowledge and believe may be the result of identity theft or error. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am exercising my legal right to demand that your company immediately stop all further communication with me regarding this matter, except to confirm that collection efforts have been terminated or to notify me of specific legal action you may intend to pursue. 
If this debt is the result of identity theft or fraudulent activity, I further request the following : XXXX. A full validation of the debt as required by the FDCPA ( 15 U.S.C. 1692g ). 
XXXX. Immediate cessation of all collection efforts pending full investigation. 
XXXX. Removal of any negative reporting related to this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I originally submitted a complaint regarding this issue on XX/XX/year>, case XXXX. Chime 's responded to CFPB on XX/XX/year> stating that they were reviewing the case again and would reply when the review was done. I received an email from Chime on XX/XX/year> once again denying my claim, giving the exact same ( canned ) response they previously gave me, which did not actually provide any meaningful reason for the denial. I submitted additional information to them on XX/XX/year> including a letter, which I am attaching. I received a text from them on XX/XX/year> denying my claim for the XXXX time. Once again, their response was exactly the same as the two previous responses, stating that " we have concluded that no error occurred, '' which does not really state the reason for the denial. What do they mean, exactly, that " no error occurred?? '' The entire balance of {$4500.00} was fraudulently taken from my account by way of a scam. I don't know if I would call that an " error '' exactly but it certainly was not legitimate.

I continue to request that Chime refund the {$4500.00} that was fraudulently removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AL

Complaint narrative:
My credit file contains inaccurate and unverifiable accounts that do not belong to me or can not be legally verified. This includes student loans, a charge-off, and closed accounts still reporting derogatory remarks. I have disputed these items multiple times, yet they continue to appear as verified without proof or proper investigation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), and 1681c-3 ), the credit bureaus and furnishers are required to ensure maximum possible accuracy, remove unverifiable information, and provide original documentation if they wish to continue reporting. Since these obligations have not been met, I am requesting immediate deletion of all inaccurate or unverifiable accounts and negative remarks from my credit file.

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 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Bridgecrest called me XX/XX/year> and I stated that I do not have the money to pay the remaining balance. I just paid over 50 % of what was owed. They called me again today twice asking about the same loan. They are harassing with consent calls after letting them know that I will pay when I receive some money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-21 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:
My credit report has been accessed by companies without my authorization, and applications have been made in my name that I do not recognize. These are fraudulent inquiries that I never consented to. I previously contacted TransUnion and was told by a representative that these inquiries would be deleted, yet they remain on my credit report. This ongoing inaccuracy continues to cause me unnecessary stress and harm.

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 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC
State: TX

Complaint narrative:
I am a Texas consumer and a customer of GreenSky. I entered into a financing agreement for home improvement services with the following terms : Amount Financed : {$3300.00} Installments XXXX XXXX XXXXXXXX Finance Charge : Stated as Time Price Differential Late Fee : {$39.00} flat per late installment Despite complying with the agreement, GreenSky has XXXX Mischaracterized a retail installment contract as a loan agreement to avoid Texas Finance Code protections ( 345.001 ( 6 ) ). 

Charged late fees of {$39.00} on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, totaling {$150.00} over eight times the legal cap under XXXX ( a ). 

Added these unlawful fees to the principal and accrued finance charges on them, violating 345.057 ( c ).

These practices constitute violations of federal consumer protection laws regarding unfair, deceptive, or abusive financial practices. 

Demands : Remove all unlawful fees ( {$150.00} ) Refund/credit any finance charges accrued on these fees Provide an amended amortization schedule Attached : Account statements, original contract, and correspondence with GreenSky.

I request that CFPB investigate and take action to correct these unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-08-21 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation