vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I submitted a money transfer with Remitly on XX/XX/2025 ( transaction ID XXXX ). The money was delivered successfully to the recipient in XXXX and marked as Received the same day at XXXX p.m. according to their app. 

The Remitly app also made it appear as if the payment had already been withdrawn from my account, so I assumed the funds had been debited. However, more than ten days later, Remitly notified me that they had not yet charged my bank account and that the initial attempt failed due to insufficient funds, which is completely false. 

I have provided screenshots showing that my bank account had sufficient funds from XX/XX/XXXX through XX/XX/XXXX. Remitly had

five full days to collect the funds and failed to do so. Their actions created a serious financial imbalance on my end. I made other financial decisions assuming the money had already been withdrawn. Now, this delayed charge puts me at risk of overdrafts and fees due to their system failure.

I am requesting : 1. A full investigation into this transaction 2. Written confirmation that I wont be charged twice or penalized 3. A formal acknowledgment of their operational failure I am uploading screenshots to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is an try it out to see if you would like to invest into there timeshare in which that wasn't explain until after. XXXX bribe with a 7 day cruise for sitting through the information part about the program for XXXX hrs. After XXXX was so aggressive in getting a signed contract wydam advised the XXXX package with a credit check " Hard Inquiry '' which XXXX states credit wasn't qualified XXXX offered XXXX points in this XXXX package with a payment of {$1900.00}. With my payment of {$500.00} down i signed a contract to pay the remaining balance of {$1400.00} until that remaining balance was paid I could not use the XXXX points. Wanted to cancel within the same mnth XXXX REFUSED .. Now credit stating I owe {$3600.00} to 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX is from wydam hotels timeshare XXXX program. XXXX XXXX program is an try it out to see if you would like to invest into there timeshare in which that wasn't explain until after. XXXX bribe with a 7 day cruise for sitting through the information part about the program for XXXX hrs. After XXXX was so aggressive in getting a signed contract wydam advised the XXXX package with a credit check " Hard Inquiry '' which XXXX  states credit wasn't qualified XXXX offered XXXX points in this discovery package with a payment of {$1900.00}. With my payment of {$500.00} down i signed a contract to pay the remaining balance of {$1400.00} until that remaining balance was paid I could not use the XXXX points. Wanted to cancel within the same mnth XXXX  REFUSED .. Now credit stating I owe {$3600.00} to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I was advised that my account was current after payment in XXXX. My credit report shows delinquent for 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Website : https : //www.consumerfinance.gov/complaint/ Subject : Formal Dispute Invalid Account Reporting by Comenity bank/Wayfair To Whom It May Concern, I am submitting this letter as a formal dispute regarding the reporting of an account from Comenity Bank/Wayfair that appeared on my credit report on XX/XX/XXXX and XX/XX/XXXX. I am contesting the validity of this account, as I have no knowledge of ever opening or authorizing such an account, and I request a full investigation into its accuracy. 
Creditor Name : Comenity Bank/Wayfair Account Number : XXXX Nature of Dispute : I do not recognize or acknowledge this account. I dispute its validity and any associated negative reporting such as delinquencies or balances. 
Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ) : Section 623 [ 15 U.S.C. 1681s-2 ( a ) ] requires furnishers of information to ensure the accuracy and integrity of the data they report to credit reporting agencies. Reporting an account that may have been opened fraudulently or without my authorization is a violation of this section.

Additionally, under Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute inaccurate or incomplete information on my credit report, and the furnisher is required to investigate and remove unverifiable or incorrect data.

I am requesting that this account be fully investigated and removed from all my credit reports unless the creditor can provide legally valid, documented proof that the account is accurate and was authorized by me. This includes : A copy of the original signed application Any transaction or payment history linking the account to me Any documentation bearing my signature If this information can not be verified within the timeframe required by law, I expect that the account will be deleted from all consumer reporting agencies immediately.

Please respond in writing to confirm receipt of this dispute and provide the results of your investigation. I appreciate your attention to this matter and expect full compliance with the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: LA

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 explanation
Consumer complaint received 2025-05-26 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: TN

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 explanation
Consumer complaint received 2025-05-26 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: TN

Complaint narrative:
I am filing this complaint because there are unauthorized hard inquiries appearing on all three of my credit reports Experian, Equifax, and TransUnion that I did not initiate or give written permission for. 
Under the Fair Credit Reporting Act ( FCRA ) 604, no one is permitted to access my credit file without permissible purpose and my consent. These inquiries were made without my knowledge or approval, and I believe this is a serious violation of my consumer rights. 
These unauthorized inquiries are causing damage to my credit profile, and they are impacting my ability to obtain housing, transportation, and other essential financial opportunities. 
I have already attempted to dispute these inquiries directly with the credit bureaus, but they continue to remain on my report with no resolution or proof of authorization.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has tried to charge me at least 7 times in XXXX for a service I do not want and do not have any evidence I signed up for an ongoing subscription. I try to cancel the subscription on line, refer to help and community forums and all say the same thing. VERY DIFFICULT and UNCOOPERATIVE. Please let them know this feels coercive and manipulative and I do not wish to have any memberships with them and would like to freeze them from monitoring my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TN

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate and resolve inaccurate or potentially fraudulent information reporting on my credit file. 
I have submitted multiple formal disputes concerning accounts that are inaccurate, unverifiable, or may be the result of fraud. Despite these efforts, Equifax continues to report the same information without providing evidence of any reasonable investigation. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to perform a proper and timely investigation and to remove or correct any information that can not be verified. By continuing to report inaccurate or unverified information, Equifax is in violation of my rights under the FCRA and is causing financial hardship, including being denied for credit and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Social Security Number and Request for Deletion of Negative Items To Whom It May Concern, I am writing to formally dispute inaccuracies contained in my credit report maintained by Experian. Upon reviewing my report, I discovered that the Social Security Number listed is incorrect and does not match my actual SSN.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you immediately correct this error and update my file with my accurate Social Security Number. Enclosed is a copy of my government-issued identification and Social Security card to verify my identity.

Additionally, due to this reporting error, I believe that all late payments and negative items associated with this incorrect identification should be immediately deleted from my report. These inaccuracies may have caused wrongful damage to my credit profile and are not an accurate reflection of my financial behavior.

Please conduct a reinvestigation and provide written confirmation that : 1. My SSN has been corrected, 2. All inaccurate or unverifiable negative items, including late payments, collections, or charge-offs, have been permanently removed from my credit report.

This is a formal dispute under the FCRA. If you are unable to verify the accuracy of the disputed items, you are required by law to delete them from my file within 30 days.

Please send confirmation of the corrections and an updated credit report to my address listed above.

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 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX XXXX and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX {$170.00} XXXX XXXX XXXX XXXX {$100.00} This account is still showing on my Transuion and it has been removed off of XXXX  due to not being able to provide me with verification. Please see attachments XXXX XXXX XXXX XXXX {$3200.00} I do not owe this company. There was not proper verification, no contract or knowledge of this debt. 
XXXX XXXX XXXX {$8500.00} Fradulent account. I didn't sign any paperwork with this company. Called to get information and told them that I didn't fill out any application at all. No resolve.

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 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
Binance.US is unlawfully withholding my funds despite full identity verification. They are demanding an ID issued in the last 90 days, which is not required by law. I submitted a valid government ID, selfie, and state-issued proof of address. This is unreasonable and prevents me from recovering my legally owned assets.

Company response to consumer: Closed with explanation