vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I created an account on Remitly.com so that I could send payment to my social media manager in the XXXX ; she has used the platform before and suggested it. 
After filling out all the data they asked for, including, DOB, address, account number and other info, I sent {$800.00} to my recipient, or so I thought. My bank sent me the expected text to confirm, I did so, the Remitly sight said the transaction had been completed. When I clicked to see my receipt, I then saw a message saying my account was suspended. 
The {$800.00} went back in to my bank account, so that's not the issue. The issue is they have a lot of my personal and financial data now, and I want them to delete it. 
I got on to customer support chat to ask what had happened to my account, and all they would say was it was suspended... honestly it was a bit difficult to understand what they meant... who was suspicious? Was it me? The recipient? So since there were no answers forthcoming, I just said ok, we'll use a different platform, my money was returned, no problem. Just delete my data,. They then told me that they couldn't but " don't worry, we're trustworthy '' ( paraphrasing ). 
I asked repeatedly for my data to be deleted but they steadfastly refused/said they couldn't. 
I see this business has a license to operate in the state of GA ( license # # XXXX ), regulated by the Dept. of Banking and Finance. 
I would like to request assistance in requiring Remitly to delete my data from their site, which I never actually got to use and from which I was suspended with no explanation. 
Chat transcript attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
As a victim of identity theft, I am aware of the legal implications associated with such matters. Therefore, by the relevant laws and regulations, I urgently request that you take the necessary steps to remove the unauthorized accounts from my record. We must act promptly to prevent any further damage to my financial standing and personal reputation. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$670.00} XXXX XXXX XXXX XXXX Date Filed/Reported 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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I recently got an collection on my credit from a company called Caine and wiener i never heard of them or done any business with them. Debt is not mine and I have no knowledge of it. I think it's identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$7500.00} XXXXXXXX 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, Social Security Number : XXXX Date of Birth : XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX on XXXXXXXX  under the account number XXXX XXXXXXXX, This account have resulted in fraudulent hard inquiry and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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. The aforementioned account, collection, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and hard inquiry are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: OR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
My Robinhood account was unexpectedly restricted, and I have been unable to transfer my stock holdings to another brokerage. I was able to withdraw my available cash balance, but Robinhood is blocking the transfer of my remaining stock assets through the standard XXXX process. 

I contacted Robinhood support multiple times to request clarification and assistance, including asking why my account was restricted and what I needed to do to transfer my holdings. I was either ignored or given generic responses with no actionable solution. I made it clear that I did not want to sell my stock I simply wanted to move my existing shares to another brokerage in-kind. 

Robinhood has not provided any specific reason for the restriction or a path to resolution. This is preventing me from accessing and managing my own investments. I am requesting that Robinhood lift the restriction that is preventing the transfer of my stock assets and allow an in-kind XXXX  transfer to my new brokerage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I see litigation for determination of character. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I see litigation for determination of character. ) XXXX XXXX XXXX XXXXXXXX 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 2025-06-26 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned 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 2025-06-26 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/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 2025-06-26 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 found a collection account reported by XXXX XXXX XXXX on my TransUnion credit report, showing a balance of {$620.00}, with an original creditor listed as XXXX XXXX XXXX  XXXX. The account was opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. It is marked as derogatory and listed under collection/chargeoff status. 

I am formally disputing this account because I have no recollection of ever opening or owing a XXXX XXXX XXXX  account in this amount. I have not received any official billing statements, account activity, or validation of this debt from either XXXX XXXX or XXXX XXXX. 

This entry may have resulted from : A reporting error, A case of mistaken identity, or Potential identity theft. 

It is currently harming my credit, and I have never acknowledged or been notified about this account through proper documentation or communication.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I applied for an American Platinum card and added my husband as an additional card member for an additional {$190.00}. To my surprise, I received a notification informing me that TWO additional cards have been approved and will be delivered to me : one of the additional card member is ME. It is astonishing that such an established company can make such a rudimentary mistake. The card approval process presumably would use my Social Security number or other identifying information. Yet they can't identify two people to whom AmEx granted the card under the same account are in fact the same person. In no circumstance would a primary cardholder spend {$190.00} to register themselves as an additional card member. AmEx fails in its basic due diligence to ensure its card application process does not allow this simple mistake. So, I am wronged doubly. I am wronged first because I am made to apply a card ( the additional card membership ) I did not apply for. I am wronged second because this might negatively affect my credit score and register me as someone who applies for a card and cancels immediately. All these mistakes are admitted in writing by AmEx customer service ( See attached chat history. ) Yet AmEx refuses to offer any grievance process or complaint procedure. After repeated pressing, the agent finally gave me a physical address rather than an email or phone call as requested. This seems like the company deliberately increases the obstacles for customers to register complaints or request an answer to their negative experience. It is shocking that all the answers I can get from the agent are that they will convey my feedback as if I am not entitled to an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed three accounts for inaccurate balances on or around XX/XX/XXXX. They found two of the accounts to be accurate but removed the last one and one of the " accurate '' ones with no explanation. these are two of my older accounts and I've tried contacting those credit card companies but they say its experian 's fault.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I discovered that XXXX XXXX acct # XXXX had overcharged me by {$3200.00} on a {$2000.00} credit card. After filing multiple complaints with XXXX XXXX, they failed to investigate my grievance, violating the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666, which requires creditors to promptly investigate billing errors upon consumer notification. Additionally, XXXX XXXX violated 15 U.S.C. 1666t ( b ), which prohibits creditors from reporting negative information to credit reporting agencies during the dispute resolution process for billing errors. Following my CFPB complaint ( XXXX ), XXXX XXXX conducted a proper investigation and refunded the overcharge. 

However, XXXX XXXX subsequently falsely reported my XXXX payment as late to Experian, despite their negligence and violation of the law. 

I filed several disputes with Experian, providing proof of the refund. Experian failed to conduct a proper investigation and upheld the late payment status. I filed another dispute in XX/XX/XXXX, and Experian responded within XXXX days, again stating the late payment was accurate, despite clear evidence to the contrary. 

Experian 's failure to adequately investigate my dispute violates 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable reinvestigation to verify the accuracy of disputed information upon consumer request. Additionally, Experian 's actions violate 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies follow reasonable procedures to assure the maximum possible accuracy of consumer credit reports. 

Furthermore, Experians failure to correct the inaccurate information after being provided with clear evidence constitutes a violation of 12 C.F.R. 1022.43 ( b ) under the Fair and Accurate Credit Transactions Act ( FACTA ), which requires furnishers of credit information to promptly update, and correct inaccurate information reported to credit bureaus. 

The CFPB has jurisdiction over these matters as it is responsible for enforcing federal consumer financial laws, including the FCBA, FCRA, and FACTA, and ensuring that credit reporting agencies and furnishers comply with their obligations to consumers. This authority is granted under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), specifically 12 U.S.C. 5512, which empowers the CFPB to oversee and enforce compliance with federal consumer financial laws.

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