vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I am filing this complaint because my Equifax credit report contains inaccurate and/or unverifiable information that I have been unable to get properly corrected through the bureau. The following charged-off and late payment accounts are being reported inaccurately and need to be reinvestigated. 

Charged-Off Accounts in Dispute ( Equifax ) XXXX XXXX Account # XXXX, Reported XX/XX/XXXX, Balance : {$11000.00} XXXX XXXXXXXX Account # XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account XXXX XXXX, Reported XX/XX/XXXX, Balance : {$0.00} These accounts are either too old, have incorrect balance information, or can not be verified based on documentation I have. I request a full reinvestigation under FCRA 611, and deletion or correction of any unverifiable or inaccurate data. 

Late Payment in Dispute ( Equifax ) : XXXX XXXXXXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft. According to recent alerts from my banks credit monitoring system, I was alerted to several negative alerts going on, once I checked into this further, I see multiple accounts have been opened in my name with your company that I did not authorize or have any knowledge of. I have no idea what type of accounts, amounts, etc., but I personally do not do business with Navy Federal Credit Union at all so I should have no accounts with you. I do not have any military background and this account shouldn't even have been able to be created, if that is a requirement. I bank with Truist and have for 10+ years. 

Please close this account immediately and ensure that I am not held responsible for any charges, balances, or activity associated with it. I request written confirmation that the account has been permanently closed as fraudulent and that no adverse information related to it will be reported against me to any credit bureau. 

For your records and investigation, please note the following : The address, phone number, and any other identifying information used on this account are not mine. 
I have attempted to report this via the FTC Identity Theft website however, they are currently down due to lapse in funding from the government shutdown & wont allow me to submit a report so I will complete that once the government reopens. 

Please also provide written confirmation that this matter has been resolved and that my personal information has been removed from your records in connection with this fraudulent account. 


Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
These accounts were neither opened nor authorized by me and appear fraudulent. I formally request that they be expeditiously deleted from my credit history and subjected to a proper investigation. Documentation is provided.

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 2025-10-30 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: AZ

Complaint narrative:
I have been the victim of personal information exposure due to several data breaches and I am writing to request a thorough investigation into the following accounts currently reflected on my credit reports. I believe the information being reported is inaccurate, and I request corrections in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the discrepancies listed below and provide me with the results of your investigation. 

Charged Off 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

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 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I inform the escrow dept. two years ago that I will paying my own insurance from that point two years ago. My insurance company keep telling me that the escrow dept. keeps paying my premium even tho I informed them that I will do it from two years ago. Two years later they keep doing it. When I call them today they tell me they don't have anything from me stating that which is a totally lie because my insurance company has to keep sending back their refund. I have argued with these individuals that why they have a refund because I was paying my premium myself. So with that I keep getting told it will not happen again and yet it does. So again today I keep getting the same excuse that after the refund they will change it but after two years going through this same XXXX I believe it will happen next year. After all this it is second year going this. This is why I submitting this complaint because after complaining about another issue which still did not get resolved is why I submit this complaint because I'm sure that they are doing this to other people.

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 2025-10-30 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: FL

Complaint narrative:
I am filing this complaint regarding two accounts that contain clear billing and reporting errors which have negatively affected my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately record payments and credits, yet the payments I made were not properly applied, and there are noticeable calculation discrepancies in the reported balances. To make matters worse, I was never provided with the mandatory 21-day notice before the due dates, which renders any late payment marks invalid. These violations of federal law have unfairly damaged my credit standing and must be addressed without delay.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I was contacted by phone by XXXX XXXX XXXX on XX/XX/year>. He is a former colleague and friend who I've known for XXXX years. He told me that he had invested in cryptocurrency and that he had made significan profit. The XXXX XXXXXXXX he had invested was now worth XXXX XXXXXXXX. However, they were charging him huge fees to get his money. He had asked if he could use the principal he had invested to pay and they said no. So he was reaching out to family and friends. He told me a friend he had kno/wn for more than XXXX years had taken out a second mortgage and that if he couldn't get the rest of the money he needed, his friend would lose his house. 

I asked him how much he needed and he said only a " few dollars '' so I asked how much. He said {$5000.00}. So I said I could loan him that much money. He sent me a Zelle request and I sent him the money. Then he texted and said he needed {$100.00} more but I said I'd reached my limit and would have to send it the next day. 

The next day he sent another text and said he actually needed {$900.00} more to cover all the fees. 

I sent him a total of XXXX transactions totaling {$6000.00}. The following week I tried calling him to check in and make sure he was okay since he sounded so stressed on the phone. I talked to him on Thursday, XX/XX/year> and he said he was on the way to get his haircut and he'd call me later. When I talked to him later he said he was supposed to meet with the " guy '' to get his money and he never showed. I asked him what he was going to do and he said he was trying to get in touch with him and he didn't know. He sounded stressed but not overly upset. I told him he needed to contact the police or the FBI. 

Later that day on XX/XX/year> he called and said he needed {$600.00} to cover fees. I tried to Zelle it and it didn't go through. It was rejected. I texted him and told him and he said he wanted me to send it to his daughter 's account, but I didn't feel comfortable doing that. 

I talked to him on Saturday, XX/XX/year>. I asked him if he had heard from the " guy '' and he said no. I asked him if he had filed a police report or contacted the FBI. He said no because he wanted to see what transpired over the weekend. 

That's when I decided to start the process of reporting this as a crime and trying to get my money back. I submitted reports with the IC3, Zelle, and my bank, XXXX XXXX. I am now reporting this with the CFPB as a suggestion from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: UT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OH

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
My phone was stolen. I have been unable to access my account, or change my pass word, due to XXXX restrictions that I explicitly asked to be turned off. XXXX device has changed and the XXXX is no longer working. 6 days ago i was informed by XXXX XXXX XXXX XXXX XXXX that my payment in the class action suit i was part of would be deposited to my paypal account which, even having verified my SS number and having access to the email the account was opened with they will NOT allow me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I contacted TD Bank after receiving emails stating that a new checking account had been opened in my name. I spoke with a representative at the XXXX, Delaware location ( XXXX ), who confirmed that all my personal information matched except for the phone number on file. The representative verified that the account was created online and immediately closed it during our call. 

I did not authorize the opening of this account and have been a victim of identity theft. My credit files with all three major credit bureaus have been frozen for about a year, and my XXXX  report has been locked as well. I confirmed with each bureau that no new accounts were authorized. Therefore, I am concerned about how this fraudulent account was created while my information was frozen. 

Due to the federal government shutdown, I am currently unable to file a report through XXXX. However, I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ( e ) & 1681c-2 ) to : Obtain all records related to this fraudulent account ( application, identification used, IP address, timestamps, and device data ). 

Receive written confirmation that the account has been permanently closed and flagged as identity theft. 

Receive notice of any reports, inquiries, or XXXX entries that may have occurred as a result of this unauthorized activity. 

I request that TD Bank provide this information directly to me and confirm that safeguards have been placed to prevent any future fraudulent activity involving my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

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 2025-10-30 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: DE

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-10-30 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: MS

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains multiple accounts that I believe may be inaccurate or unverifiable. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ). 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify each account with the original creditor. If any account can not be verified, I request its removal from my credit report. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please verify the accuracy of these late payment entries. Remove or correct any item that can not be verified. 

There are currently no inquiries or positive accounts in dispute with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bmo bank claim I did fraud but I never did and they decided to keep my money that was already in account. I mobile deposited a check for XXXX and they rejected it like XXXX  days later. So I called and ask why, they said go deposit at the bank. After the deposit they froze my account and kept all my money from the account. It's been a year .. I called them multiple times and was led on that my money was coming. Never received a XXXX back, had like {$7000.00} in the account.

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 monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: LA

Complaint narrative:
Hi, I used XXXXXXXX XXXX  to send the funds to the same account for XXXX times, the funds were never delivered so I asked them to put a track on the funds and also check the receiver 's account. I was told by their customer service that my account number doesn't match the bank account that I suppose to send the funds to. I kindly asked them if they could reveal the account number that was on file for me so I could be sure that I really got the numbers wrong and they refused due to their safety policy. I've contacted them for probably XXXX times about this issue, and they refused to help me every single time. 
So, I put a charge back request with my bank a couple of weeks ago and my bank did that for me, but they said, XXXX could have the money taken away anyways because I authorized them to do so through their app and policy. That is exactly what happened. They took the money out of my bank account last week or so. 

Here are the details of these XXXX transactions : App : Remity My name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$300.00} ( $ XXXX {$1.00} fee ) Transaction XXXX XXXX : XX/XX/XXXX Amount : {$1100.00} ( $ XXXX {$1.00} ) Reason that the receiver didn't get the first fund, but I still sent a second payment was because I was wiring the money to my dad who has been sick in hospital in XXXX. He wasn't able to check the account until later in XXXX when I finally realized that the money was never delivered. He's XXXX XXXX XXXX that not very good with online banking so he couldn't check this fund until 2 months later. 

My defense : In their policy, they claim once I put the receiver 's information in the system, I will be responsible of any mistakes that made afterwards. I respect that. 
The problem with their system is, once the receiver is added, you can not see any information but only the last XXXX digits of the bank account ( which matches ) when you select sending money. You literally can't tell if the information matches the right one because they are not visible anymore. 
I feel like this is a serious failure of protecting the consumers ' rights, and this is a very good example to show people how easy you can lose your money through a money transferring service app. They don't even have to give me proofs because they can easily tell the consumers this is their policy and it's for the safety purpose. 
Well, I found it so funny because they intend to protect the receiver 's safety which is debt card numbers and names that I already know because I input those over my safety and money in my own account. I even sent all my information including the picture of my driver 's license to Remitly. I put all of my trust on the line with this company yet they don't even care about where my money goes to, it's a shameless business attitude if you ask me.

Company response to consumer: Closed with explanation