vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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:
b'Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit reportXXXX 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 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 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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I used Remitly to send {$3000.00} to XXXX XXXX in XXXX ( Transaction reference number : XXXX ). At the time of transfer, the recipient 's account was already closed. I expected the funds to be automatically returned to me within a few days, but that did not happen. 

I contacted Remitly customer service, and they initially said they would reach out to their local partner in XXXX. After nearly XXXX weeks, they claimed that the recipient received the money and refused to refund me. This was not possible, as the account was already closed when I initiated the transfer. 

On XX/XX/XXXX, I opened a claim with my bank. On XX/XX/XXXX, I was notified that the claim was denied because Remitly provided documentation claiming the transaction was valid ( attached ).

I contacted Remitly again and after a lengthy call, they asked me to provide proof that the recipients account was already closed before the transfer. I submitted this proof ( attached ). On XX/XX/XXXX, Remitly confirmed the transaction was canceled and told me I would receive a refund within XXXX business days. 

That refund never came. I called again, submitted all my bank statements, and was told once again they were sorry and I would receive the refund within XXXX business days. This cycle has continued for months : I call, spend over XXXX hours on the phone, submit my bank records again, and am given the same empty promises. 

As of today, more than XXXX months later, I have not received my refund. This has caused significant stress and financial hardship. I am attaching all documents related to this transaction, including : Remitlys original confirmation Bank claim denial letter Proof that the recipients account was closed All my bank statements from XX/XX/XXXX to present I respectfully request a full refund of {$3000.00}, as the transfer was never completed and Remitly has acknowledged cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consolidation Capital
State: LA

Complaint narrative:
I am writing to dispute an account reporting on my credit file that I do not recognize. The account appears to be in good standing, showing on-time payments, but the balance has not decreased over time, and I have no knowledge of opening or authorizing this account. 

There is no familiar creditor name or contact information associated with this account. I have not received any billing statements or communications from this entity, and I have never made payments toward it.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Debt Validation under the FDCPA Amount : {$600.00} Original Creditor : Independent Emergency Physicians To Whom It May Concern : I am disputing the debt you are attempting to collect. Under the Fair Debt Collection Practices Act, I am requesting that you provide me with full documentation to validate this debt. Please include : Itemized statement showing how the balance was calculated. 
Identity of the original creditor. 
Documentation including any signed agreement. 
Proof of your legal authority to collect in Michigan. 
Chain of custody of the account. 
Please halt all collection efforts and remove any credit reporting until you validate this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax P.O. XXXX XXXX XXXX, GA XXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXXXXXX XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to formally document my repeated efforts to obtain IRS Form XXXX related to a debt previously held with Discover that I believe has been canceled or forgiven. Despite making multiple requests directly to Discover, including via phone and written communication, the creditor has refused or failed to provide the XXXX form associated with this account. 

Under IRS regulations ( XXXX XXXX Code XXXX ), any financial institution that cancels a debt of {$600.00} or more is legally required to issue Form XXXX to both the IRS and the debtor by XX/XX/XXXX of the following year. If Discover indeed XXXX this debt, they are federally obligated to issue this form. Their refusal to do so not only hinders my ability to properly file my taxes but may also represent non-compliance with federal reporting laws. 

Furthermore, if the debt has been forgiven and qualifies for cancellation, it should not continue to appear as collectible on my credit report. According to the Fair Credit Reporting Act ( FCRA ), creditors must ensure that the information they report is accurate and not misleading. Reporting a canceled debt as still delinquent or active, while simultaneously refusing to issue the required cancellation documentation, may be a violation of both FCRA and IRS reporting standards. 

I am requesting that this matter be reviewed and corrected promptly. If the debt has been canceled, the appropriate XXXX must be issued to me, and the credit reporting of this account should reflect that cancellation accuratelyshowing a XXXX balance and a status of canceled or settled as applicable. Actually this should be removed from my credit report using FCRA Laws because its not XXXX XXXX accurate and not misleading. Continuing to report a debt as delinquent, charged-off, or unpaid when it may have been canceledand without providing the proper documentationraises serious concerns about accuracy and legality.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is reporting a collection account for a XXXXXXXX XXXX XXXX Consumer credit card on my credit reports. This debt was sold or transferred without my knowledge or consent, and I was never contacted by XXXXXXXX XXXX  to discuss my financial situation before they forwarded my personal information to a third party. 

At the time this account was sent to collections, I was under active medical care and going through extreme physical and emotional stress. I was not in a position to manage every financial obligation and would have appreciated the opportunity to speak with someone before the matter escalated. Instead, my private financial information was handed over to LVNV Funding without my authorization. This is a direct violation of the Gramm Leach Bliley Act 15 USC section 6801 which prohibits financial institutions from sharing nonpublic personal information without consent.

LVNV Funding then began sending intimidating collection letters and making phone calls that included threats of legal action. These communications were overwhelming and caused serious emotional distress while I was already struggling with health issues. I was never given proper validation of the debt as required under the Fair Debt Collection Practices Act FDCPA section 1692g. Their tactics also violate FDCPA sections 1692d and 1692e which prohibit harassment and the use of false or misleading threats. 

I have now sent a cease and desist letter to LVNV Funding in accordance with FDCPA section 805 subsection c requesting that all communication and collection activity stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CapitalCredit LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the inclusion of an account on my credit report that is not mine and may be the result of identity theft. I did not authorize, open, or use this account at any time.

Legal Basis : 15 U.S.C. 1681g ( e ) : You must block information in a consumer file that the consumer identifies as resulting from identity theft.

15 U.S.C. 1681c-2 : Consumers have the right to request the blocking of fraudulent information.

FCRA 605B : A credit bureau must block information within 4 business days of receiving a valid identity theft claim.

FACTA Identity Theft Rules : Creditors and agencies must implement policies to detect and prevent identity theft.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : Debt collectors must provide validation of debt upon request, especially in disputed or fraudulent claims.

I am requesting that this account be blocked from my credit report and removed permanently. If needed, I am prepared to submit an identity theft affidavit or police report to support this claim.

Please remove all inquiries, negative entries, and associated data related to this fraudulent account. 

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maury's Motors Inc DBA Midpoint Auto Group
State: TX

Complaint narrative:
i have requested that midpoint auto in XXXXXXXX XXXX update my information with all credit bureaus repeatedly since XX/XX/year> when i paid my car off in full .. they have repeatedly refuse. my accounts should be updated to closed account paid in full, i have also filed disputes with all credit bureaus, i also have a receipt stating my account was paid in full

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
Dispute Reason : Inaccurate Late Payment Reporting Request for Removal Creditor : Discover Card Account Number : XXXX Description of the Issue : There is inaccurate and inconsistent reporting of late payments on my Discover credit card account across the three credit bureaus. The reported late payments do not reflect my actual payment history, and I am requesting that they be removed. 

XXXX reports : XXXX : 60 days late XXXX : 90 days late XXXX : 120 days late XXXX : 120 days late XXXX and XXXX report : XXXX : 30 days late XXXX : 60 days late XXXX : 90 days late XXXX : 90 days late These discrepancies raise concerns about the accuracy of the data furnished by Discover. I am requesting a full investigation into this account and a correction by removing the reported late payments from all three credit reports. Please verify the correct status directly with Discover and update my file to reflect an accurate and positive payment history. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

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 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Caneel Capital, LLC
State: NY

Complaint narrative:
Not giving me a payoff to pay at time of closing, they wanted me to pay some upfront and balance the time of sale which I got 2 buyers before and lost because I couldn't find the owner of the loan because it was sold numerous times but the last 2 buyer never notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I was notified by XXXX that I had outstanding chances for approval for a number of different lenders. I had seen an offer that was through One Main Financial, was for {$5500.00} over a max 60 month period at roughly $ XXXX. 

I fill out the online form and submit it and their platform asks if they could review my bank account information using XXXX which is fine, I've used it with other companies and so I allow them to do so. After that it tells me my application is under review, cool. 

Following day " BRANCH MANAGER : XXXX, XXXX '' calls regarding my application and requests that I stop by, which I am OK with, put a face to the name/application. I get there and she begins to tell me that she needs a copy of my XXXX taxes. OK fine, not sure why this wasn't asked for initially during the online process ( I'm on a tight timeline ). I go back home and submit to her my XXXX tax returns. 

She calls back the next day ( Thursday XX/XX/XXXX ) but I had work XX/XX/XXXX & XX/XX/XXXX and so I had to follow up with her today ( XX/XX/XXXX ) and she begins to say how they won't approve my application because of my income being too low. 

I asked them why they hadn't done an income check / requirement BEFORE hitting my credit report and she replies back that ; " everyone else will too '' - which is wrong! I even offered to put {$1000.00} down to cash secure the loan and she said " we don't do that, we only accept cars as collateral '' and I said for a {$5500.00} loan? Mind you XXXX XXXX a XXXX - so this boggles my mind thinking someone would do this. I said " whoever does that is a XXXX '' and she replied back " i buy cars all day ''. 

So it's clearly some predatory XXXX to rope people into collateralizing their cars, I make almost $ XXXX a month but my costs are high carrying all the costs of the vacant rental units I needed the money for to repair. I'm pretty XXXX because I am on a tight timeline and this lady just dings my credit like it's some kind of joke/game.

Company response to consumer: Closed with explanation