vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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:
I filed a complaint against Equifax, Experian and TransUnion on XX/XX/XXXX for the continuous reporting of inaccurate information to my credit report. On XX/XX/XXXX, I filed another complaint [ XXXX ; XXXX ; XXXX ] ] following up with them. Each company responded stating that the information was verified and being reported accurately. ( See attached each company 's response ).

Relevant Law- 15 USC 1681S-2 ( a ) ( 1 ) ( F ), as amended by the CARES Act.

Each CRA responded that the information was " verified & reported accurately '' is a violation of the CARES Act covered period. The " covered period '' under the CARES Act began XX/XX/XXXX and extended XXXX  days after the COVID-19 National Emergency ended. Several accounts reported late payments, subsequently being charged-off during the " covered period ''. Reporting negative information violates this requirement.

The CRA 's can not simply " parrot '' the furnisher 's position. They must conduct a proper investigation of all information. In Dennis v. BEH-1, LLC, 520 F. 3d 1066 ( 9th Cir. 2008 ), the court held that reliance solely on a furnishers response without independent verification is unreasonable as a matter of law. Each CRA 's XX/XX/XXXX response demonstrates exactly that unlawful conduct- conduct the CFPB now alleges in federal court is systemic with the company. 

By refusing to address the CARES Act requirements, each CRA failed their duty under 15 USC 1681i.

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 2025-08-19 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: IN

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelowXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Certegy Holdings, LLC
State: SD

Complaint narrative:
I went to cash my, valid printed payroll check, it was under the limit, I have a federally accepted real id, but got declined with no real reason for such

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX Re : Formal Dispute of Inaccurate Credit XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern : I am disputing the reporting of the above-referenced XXXX XXXX account on my Equifax credit file. The account is being reported inaccurately, incompletely, and in violation of the Fair Credit Reporting Act ( FCRA ). 

Errors and Violations : - Court Dismissal Ignored : XXXX XXXX filed a lawsuit against me which has been dismissed by the court. Despite this, Equifax continues to report the account as an active negative collection. Reporting a dismissed/closed legal matter as an outstanding collection is false, misleading, and unlawful. 
- In XXXX / XXXX XXXX : Since the matter was in litigation and resolved in my favor, continued reporting as a collection constitutes illegal post-litigation collection activity. 
- Conflicting and False Account Data : Equifax lists contradictory dates, balances ( {$9900.00} vs. {$13000.00} ), and statuses ( Open, Closed, Voluntary Surrender ) that do not reflect reality. 
- False Delinquency Notations : Payment history and 120+ days late reporting are factually inaccurate. 
- Harm Caused : This erroneous reporting has caused severe emotional distress, financial hardship, credit denials, and damage to my reputation. 

Legal Violations : - FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy. 
- FCRA 1681i : Failure to reinvestigate disputed information.

- FCRA 1681s-2 : Furnishing information known to be false.

- FDCPA & Case Law : Reporting a dismissed debt as an active collection is deceptive and unlawful. 

My Demand : I demand that Equifax : 1. Immediately delete this account from my file. 
2. Provide me with a corrected credit report within 30 days.

3. Provide written confirmation of your reinvestigation and the specific actions taken. 


Attached are supporting documents, including a copy of the court dismissal order. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have made multiple attempts with with creditor, XXXX XXXX XXXX with no help. My account has been showing as open when it has been closed for almost a years now. I have uploaded my recent statement from XXXX XXXX  also an email from them clearly stated that my account is in fact closed.This inaccurate reporting as open has caused my significant emtional damage due to the repeated fail disputes. Filing these dispute is time consuming. Please help my resolve this issue

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 2025-08-19 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally raise a serious complaint regarding two unauthorized transactions processed through my Remitly account in XXXX. Despite reporting this issue to both Remitly and XXXX, I have received no support, no investigation, and no resolution from either organization. 

Transaction Details : XX/XX/XXXX XXXX XXXX sent to XXXX XX/XX/XXXX XXXX XXXX sent to XXXX These are the only XXXX transactions ever sent to XXXX from my account. I have no personal or financial connections in XXXX, and I do not know the recipients. I have only ever used Remitly to send money to family in XXXX, which makes these XXXX transfers highly suspicious and clearly unauthorized. 

Timeline of Reporting : Discovered : While reviewing my Remitly transaction history on XX/XX/XXXX Reported to Remitly and XXXX : XX/XX/XXXX Response from Remitly : Dismissed my claim due to the time that had passed. 

Claimed that all activities appeared to have been performed by me and showed no signs of fraud. 

Refused to investigate further or provide additional details. 

Customer service representatives, including members of the security team, were rude, dismissive, and blamed me for the transactions. 

Despite acknowledging they had insufficient recipient information, they still refused to assist or escalate the matter. 

Response from XXXX : Informed me that too much time had passed and that they could not take any action. 

Offers no further support or escalation options. 

Account Status : Both my Remitly and XXXX accounts remain active. 

I have no history of identity theft prior to this incident. 

However, there was a fraudulent activity on my XXXX account in XX/XX/XXXX, which XXXX resolved appropriately, and my funds were protected at that time. 

Additional Notes : Due to the lack of accountability and resolution from both Remitly and XXXX, I am now reporting this case to the following agencies : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  I respectfully request a written response within XXXX business days. I am prepared to cooperate fully with any follow-up investigation and sincerely hope to resolve this matter without needing legal action. 

Sincerely, XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MT

Complaint narrative:
Filed a primary complaint with XXXX XXXX but both companies are mutually responsible : " On XX/XX/year> tried to access XXXX XXXX XXXX  account and was unable to log in. There was no letter, email or phone call letting me know that my bank access had been limited and the notification incorrectly states that it was removed by myself. XXXX XXXX representative was able to restore access to personal and business bank accounts, with no issue, but said that Zelle exclusively had been permanently restricted and there was nothing they could do. They said they didn't know the reason why and it was due to Zelle. I contacted both Zelle and XXXX XXXX XXXX  to find out the reason and both stated that it wasn't their side. XXXX XXXX XXXX representatives told me that it was Zelle who made the decision about account restrictions. The Zelle representative said that they were unable to access bank accounts to make changes to restriction status. The third XXXX XXXX representative finally admitted that they were the ones who made the decision but there is no appeal process to restore access to Zelle and it can not be done regardless of the circumstances. They do not have a support team or escalation process. They would not provide a reason why my Zelle was permanently limited, did not provide adequate warning, and said that restriction is indefinite. According to XXXX XXXX I will never be able to access Zelle again regardless of the bank branch. Zelle is universally used and has a monopoly on electronic money transfers and is used so often that there should be an appeal process for restrictions. '' Zelle representative said they were unable to access accounts and do not know the reason for account limitation since the banks are solely responsible for restoration. However, XXXX XXXX claims that they received the restriction request from Zelle itself and there is no way to transfer money through Zelle again even if the restriction was in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to move money from my BMO checking account into my checking account at XXXX XXXX. BMO put a hold on my transfer and is unable to release it. I have been trying for four days to transfer my money and BMO is not helping or releasing the funds. I talked to 6 people already and always hear the same response The system has to review the transfer and then a decision will be made. Even though I as the account holder am on the phone right now. They are unable to help. I submitted a complaint with BMO as well the number is 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 2025-08-19 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief