vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: MI

Complaint narrative:
Subject : Experian and TransUnion must mirror Equifaxs verified deletions and remove all unverifiable information Dear CFPB Case Review Officer, I am submitting this follow-up to complaint IDs : Experian : XXXX TransUnion : XXXX Equifax has completed its reinvestigation and removed all discharged and unverifiable accounts as well as the bankruptcy public record from my consumer file. This confirms that the information furnished by XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and related accounts could not be verified or supported by any lawful permissible-purpose source. 

Experian and TransUnion continue to update or maintain those same tradelines and outdated personal information, even though : My XXXX  XXXX bankruptcy was discharged XX/XX/2023 in the U.S. Bankruptcy Court for the XXXX XXXX of Michigan. 
All third-party data repositories ( XXXX, XXXX, XXXX, XXXX ) are under active security freeze, preventing lawful verification. 
Under FCRA 607 ( b ), each CRA must maintain maximum possible accuracy and align reporting once data has been proven unverifiable.

Under FCRA 611 ( a ) ( 5 ) ( A ), information deleted by one CRA for failure to verify must not remain on another CRAs file without certified reinvestigation evidence.

Under FCRA 604 ( a ), there is no permissible purpose for continuing to report or update discharged debts.

Requested Resolution : 1. Mirror Equifaxs verified deletions and permanently delete all XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX tradelines tied to my XXXX  bankruptcy. 
2. Remove all outdated or unverifiable personal addresses that can not be confirmed through lawful, unfrozen data sources.

3. Provide written documentation of the furnisher or database used in any attempted verification, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

4. Confirm that no deleted or unverifiable information will be re-inserted without written furnisher certification and consumer notice, per FCRA 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXXXXXX  Balance {$4900.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$2000.00} Account name XXXX XXXX XXXX, XXXX. 
Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} DEPT OF EDUCATIONXXXX Account XXXX XXXX Account type Education Date opened XX/XX/XXXX Balance {$3300.00} Account name DEPT OF EDUCATION/XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$1800.00} Account name DEPT OF EDUCATION/XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$6900.00} Account name DEPT OF EDUCATION/XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$3700.00} Account name DEPT OF EDUCATION/XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$12000.00}

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I lost my phone at the bar i left it unlocked in the bathroom and my passwords are in my notes. i was using it when i was on the toilet but after washing my hands it got left unlocked there. somebody sent XXXX dollars to XXXX and i dont know who that was at all. that was not me the transaction happened when the phone was in there possession not in mine. i did not authorize it at all. This happened on XX/XX/XXXX at around XXXX XXXX. current bank is refusing to give me my money back. It was fraud and not me and I need my money back fast because that was my rent money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-08 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: FL

Complaint narrative:
" I submitted a written dispute under FCRA 611 requesting verification and correction of inaccurate information on my Equifax report. Equifax has not corrected or verified the accounts and inquiries within the required 30-day period. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Remitly , Inc., an international money transfer service, for repeatedly blocking or canceling my legitimate transactions from XXXX to the United States without a valid explanation or timely resolution. 

I have attempted to use Remitlys platform to transfer funds from my XXXX bank account to recipients in the United States. However, despite verifying my identity, providing supporting documentation, and complying with all regulatory requirements, my transactions have been suspended, delayed, or canceled multiple times.

When I contacted Remitlys customer support, I received vague or inconsistent explanations, such as security reviews, compliance checks, or transaction restrictions. These responses have not clarified the reason for the blockage or provided a path to resolution. 

This ongoing issue has caused significant inconvenience, financial stress, and has disrupted my ability to send funds to family and meet financial obligations in the XXXX. I believe XXXX actions may constitute unfair or discriminatory practices and poor compliance transparency under XXXX consumer financial protection laws.

I respectfully request that the CFPB investigate this matter and require Remitly to : Provide a clear explanation for the repeated blocking of my transactions ; Outline any compliance or documentation requirements necessary to restore service ; and Ensure that Remitly adheres to fair, transparent, and non-discriminatory transaction review practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-08 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting two collection accounts that are inaccurate and obsolete. The debts are from XXXX. PRA previously sent letters admitting they could not pursue or collect these debts. 

I first disputed both accounts on XX/XX/year>, and received PRAs acknowledgment on XX/XX/year>, stating they were reviewing the accuracy and validity. PRA never sent verification. On XX/XX/year>, both accounts appeared as closed on my credit reports. 

I emailed PRA again on XX/XX/year> with a final demand for correction. Within days, both accounts reappeared on all three credit bureaus as open/active, even though no new activity occurred. PRA refurnished the same inaccurate information without marking the accounts as disputed and without ever responding to my written requests for validation.

This conduct violates : FCRA 605 ( a ) : reporting obsolete debts older than seven years.

FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 2 ) : re-furnishing and verifying data known to be inaccurate.

FCRA 623 ( a ) ( 3 ) : failing to report the debts as disputed.

FDCPA 807 ( 2 ) ( A ), 807 ( 8 ), and 809 ( b ) : misrepresenting the legal status of a debt and continuing collection activity without validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I Had a XXXX at the end of XX/XX/, so never activated my new TDBANK credit card machine/service for My small business, XXXX XXXX XXXX so the TD Bank Merchant Services account was formally closed on XX/XX/2025. The bank refused to refund the charges, even though the account was never activated/used..... 

I have three separate written confirmations from TD Bank employee XXXX XXXX confirming the closure. Despite this, TD Bank Merchant Services charged my account {$490.00} on XX/XX/XXXX  for merchant service fees, after the account was no longer active. 

I contacted TD Merchant Services and requested a refund, but have not received any written response or refund. The charge was taken for services that were not rendered. 

I am requesting the CFPB ensure TD Bank issues a full refund for the {$490.00} and previous charges, and any other post-closure fees, and that the bank review its merchant-account closure procedures to prevent similar cases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXXXXXX  Balance {$75000.00}

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint regarding Bank of Americas freezing and closure of my personal checking account without written notice or explanation, after I deposited a legitimate IRS refund check. 

On XX/XX/year>, I deposited an IRS refund check in the amount of {$300000.00} into my Bank of America checking account ( ending in XXXX ). On XX/XX/year>, the bank froze my account and returned the IRS check as unauthorized without providing any formal written explanation or documentation. 

I later confirmed with the IRS that the check was valid and lawfully issued to me. As a result of Bank of Americas actions, the IRS is now conducting a review, delaying my access to funds for up to 90 days. 

Bank of America has not provided : a written explanation for freezing and closing the account, copies of any internal records or reports regarding the returned check, confirmation whether any negative reporting has been made to XXXX. 

I request the CFPBs assistance in obtaining : 1. A written explanation for the account freeze and closure, 2. Copies of Bank of Americas internal reasoning and documentation, 3. Confirmation that no negative reporting has been made against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 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: MO

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXXXXXX Account number XXXX Account type XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
XXXXSubject: Request to Remove Inaccurate Credit Information\n To Whom It May Concern:\n Upon reviewing my credit report, I have identified the following item(s) that contain inaccuracies:\n 1. The following personal information is incorrect\n    Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into\n these items and their removal from my report. It is my understanding that you are obligated to\n verify these items with the respective creditor. I kindly ask that any unverifiable information be\n promptly deleted. Pursuant to 15 U.S.C. Sec. 1681i(a), I anticipate the completion of this\n reinvestigation within 30 days of receiving this letter.'

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
A business checking account was opening in my name and email address through Bank of America

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 2025-11-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I submitted a written dispute under FCRA 611 requesting verification and correction of inaccurate information on my Equifax report. Equifax has not corrected or verified the accounts and inquiries within the required 30-day period. ''

Company response to consumer: Closed with explanation