vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
I used Remitly to transfer funds internationally from my XXXX checking account to a recipient bank account in XXXX on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each for {$11000.00}. 

Despite the app indicating that the transactions were " successful, '' the funds have not been received by the recipients bank account till date. 

Between XX/XX/XXXX and XX/XX/XXXX, I made multiple calls and exchanged several emails with XXXX customer support over the phone and through support channels to trace the missing funds, and I was given no concrete response or resolution. The following issues occurred during this period : Initially, I was informed that the transfer failed due to an incorrect recipient name. I repeated and verified the recipient details, which were correct. 

Remitly then stated they would restart the transfer. 

A few days later, I was again informed that the recipient name was incorrect, even though I had already clarified it. 

Subsequently, the transfer was put on hold, and when I called again, I was told that the issue was with their partner bank, XXXX XXXX, and that they would switch the transaction to XXXX Bank instead. 

After a few hours, the status changed to Complete, but the recipient still did not receive the money. 

I waited another 2 days and followed up. I was then provided three XXXX transaction reference numbers and asked to have the recipient bank investigate. 

When the recipient checked with XXXX, they responded that they had no way to trace these transaction numbers. Remitly also failed to follow up as promised. 

On XX/XX/XXXX, I called again, and the agent said they would escalate the issue internally and resolve it within XXXX hours. 

Since then, each time I call, the customer support is either extremely rude, abruptly ends the call, or says we will get back in XXXX hours without resolution. 

As of today, there is still no trace of the {$35000.00} that was supposedly transferred successfully. I have not been given any formal documentation or transaction trace from Remitly. This lack of transparency and accountability is highly alarming, particularly when it comes to high-value financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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 DO NOT RECOGNIZE THE BELOW LISTED ADDRESSES OR PHONE NUMBER. PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU. 

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 2025-06-02 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: OH

Complaint narrative:
I am a victim of identity theft exposed in the XXXX  Databreach. I have fraudulent information reporting on my credit report such as names, accounts and addresses that I have no knowledge of. I'm fully aware of Experian being sued for not properly disputing consumers reports. In accordance with the FCRA Laws specifically 15. U.SC.C 1681c-2,1681b, 1681s-2. I am asserting my rights as an identity theft victim. Please remove the following information from my credit report in 4 business days.

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 2025-06-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Formal Demand for Deletion of Disputed and Unverified Debt Under 15 U.S.C. 1681i ( 7 ) Account Number : XXXX Amount : {$20000.00} To Whom It May Concern, I am formally disputing the continued reporting of the above-referenced account, which is currently being reported as a collection or charge-off on my Experian and Equifax credit reports, in the amount of {$20000.00}. 

This account has previously been disputed and requested for verification, but your response was inadequate and failed to meet the legal verification standards required under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( 7 ), I am entitled to a detailed description of the procedures you used to determine the accuracy and completeness of the information reported. 

Therefore, I am demanding the following : XXXX. A complete procedural description of how this debt was verified. 
XXXX. The contract or agreement bearing my signature proving I have a legal obligation to pay this alleged debt. 
XXXX. A full account history, including any charges, payments, interest, and fees leading to the claimed balance of {$20000.00}. 
XXXX. Documentation showing XXXX XXXX XXXX XXXX legal authority to report or collect this debt. 
XXXX. Immediate removal ( deletion ) of the account from all credit bureaus if this information can not be fully substantiated. 

Since the burden of proof lies with the furnisher, and your organization has already verified this account without producing legally sufficient evidence, I consider this a willful violation of the FCRA. 

As per my rights, I am granting you 15 days from the receipt of this letter to respond and delete the account from my credit reports. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of legal action. 

Please respond in writing. All further communications regarding this matter must be in writing only. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
Please delete these fraudulent accounts and addresses from my credit report. I have never lived at XXXX XXXX or XXXX XXXX XXXX XXXX. I have also never had any of the accounts below. 

Please Delete these fraudulent Accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete these fraudulent inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
Ive recently received a copy of credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive recently received a copy of credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AR

Complaint narrative:
XXXX XXXX is reporting derogatory items on my credit report that DO Not belong me Aldous and Associates XXXX XXXX XXXX XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) - Procedure in Case of Disputed Accuracy * * Your failure to properly reinvestigate these accounts and your improper reinstatement without adequate verification violates the mandatory reinvestigation procedures required under this section.

* * 2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - Notice Requirements * * You have failed to provide proper written notice of the reinstatement as required by this provision, which mandates specific notification procedures when previously deleted information is reinserted into a consumer 's file.

* * 3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - Requirements for Reinsertion * * The reinstatement of this information violates the strict requirements for reinsertion of previously deleted information, including the requirement that the information be verified as complete and accurate by the information furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CA

Complaint narrative:
Hello, I co-signed on a student loan and was offered a 70 % settlement. I inquired about the settlement offer and requested payment history and a copy of the promissory note. During the telephone conversation, the representative commented that I'm making other payments. Is it legal for a lender to perform a credit inquiry not related to a credit application?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute and request the immediate correction of inaccurate personal information currently listed on my Experian credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I was a victim of the XXXX  data breach, during which my personal information was compromised and subsequently misused, resulting in incorrect entries on my credit report. Despite prior efforts to have this rectified, these inaccuracies have remained on my report for over a year and continue to negatively impact me. 

Please update my credit file with the following accurate information : Correct Name : XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following inaccurate or unauthorized addresses, which I have never resided at : XXXX XXXX XXXX XXXX XXXX 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 remove the following incorrect name variations : XXXX XXXX XXXX XXXX XXXX Enclosed you will find supporting documentation verifying my identity and the correct information to be reported. I am requesting this information be removed and/or corrected within the 30-day period required by the FCRA. Please send written confirmation once the corrections have been made. 

If you require additional documentation or have questions, feel free to contact me at the information above. 

Sincerely, 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 2025-06-01 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
CFPB COMPLAINT ( SUPPLEMENTAL ) Subject : Supplemental Complaint Portfolio Recovery Associates LLC Ongoing FCRA/FDCPA Violations & 60-Day Response Breach Related Complaint IDs : XXXX ( submitted XX/XX/year> ) XXXX ( submitted XX/XX/year> ) Summary of the Issue : This is a supplemental complaint against Portfolio Recovery Associates , LLC ( PRA ) for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including failure to validate a disputed debt, continued inaccurate credit reporting, and most recently, failure to respond within the required 60-day period as acknowledged by the CFPB itself. 

On XX/XX/year>, I sent PRA a written debt validation request demanding, pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1681g : 1. The original signed agreement 2. A full chain of title from XXXX XXXX to PRA 3. A complete itemized payment history 4. Proof of PRAs authority to collect in Florida 5. All required notices sent prior to credit reporting Instead of fulfilling these obligations, PRA has repeatedly issued duplicate template letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), each failing to include any legally required documentation. 

Their XX/XX/XXXX letter now attempts to improperly dismiss my dispute as frivolous under 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( F ), which does not apply to debt collectors and is misapplied to evade their statutory duties under 15 U.S.C. 1692g ( b ) and 1681s-2 ( b ). 

Violations Cited : FCRA Violations : 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) Failure to reasonably investigate dispute 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Failure to delete inaccurate information 15 U.S.C. 1681e ( b ) Furnishing inaccurate, unverifiable information 15 U.S.C. 1681i ( a ) ( 3 ) Improper use of frivolous designation without meeting statutory notice requirements 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Reporting information without verification 12 C.F.R. 1022.43 Failure to meet procedural investigation obligations FDCPA Violations : 15 U.S.C. 1692g ( b ) Refusal to validate upon request 15 U.S.C. 1692e ( 8 ) Reporting disputed debt as valid 15 U.S.C. 1692d XXXX collection activity without substantiation 15 U.S.C. 1692k Willful noncompliance 60-Day Breach : As of XX/XX/year>, Portfolio Recovery has missed the CFPBs mandated 60-day response window for Complaint ID XXXX. The CFPB has already confirmed the company is past due. This indicates flagrant disregard for regulatory timelines and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Loan XXXX Hello. I have had this line of credit for quite some time. I have paid back well beyond ( almost 250 % ) of what I have owed. I have reached out multiple times via chat and email and recieve no help. Due to my financial circumstances I can not afford phone service therefore I can not call. I need help from a supervisor. I have had XXXX family members pass away this year and my job got moved overseas and i got laid off. I have sent XXXX or XXXX large payments via online which was all the money I had to my name. Because of interest, it barely touched the balance on this account. Now I am XXXX past due with a balance of XXXX. I am asking to either waive the balance and close my account in good faith and fairness due to you have already made a lot of money off of me, or to let me pay the XXXX past due in installments and then close my account. I am beyond financially burdened and at this point I am going without food just to pay something to you to avoid being sued or my loan being sold. Please help me. I am desperately begging you. And again, I CAN NOT CALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
My personal information was exposed and compromised XXXX data breach including email addresses and my identity was stolen and I dont recognize any of inquiries and accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Possible Finance This letter is sent in response to a phone call I received on XXXX. I am requesting that you provide verification of this debt. 
Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt include a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the stati limitations and how that was determined. 
Please also cease and desist phone calls to my number, please only communicate with me in writing. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX This letter is sent in response to a phone call I received on XXXX. I am requesting that you provide verification of this debt. 
Please send the following information : The name and address of the original creditor, the account number, and the amount owed.

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt include a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the stati limitations and how that was determined. 
Please also cease and desist phone calls to my number, please only communicate with me in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
Re : Possible Finance This letter is sent in response to a phone call I received on XXXX. I am requesting that you provide verification of this debt. 
Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt include a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the stati limitations and how that was determined. 
Please also cease and desist phone calls to my number, please only communicate with me in writing. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX This letter is sent in response to a phone call I received on XXXX. I am requesting that you provide verification of this debt. 
Please send the following information : The name and address of the original creditor, the account number, and the amount owed.

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt include a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the stati limitations and how that was determined. 
Please also cease and desist phone calls to my number, please only communicate with me in writing. 
Sincerely, 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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AZ

Complaint narrative:
I reviewed my credit report and there are fraudulent accounts. Please remove these fraudulent accounts from my credit report immediately. They are hurting my ability to obtain 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 2025-06-01 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: OH

Complaint narrative:
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation