vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am filing this complaint because Lockhart , Morris & Montgomery ( LMM ) has failed to respond to my attempts to resolve my account and is refusing to communicate in writing, despite my legal right to do so under the Fair Debt Collection Practices Act ( FDCPA ).

I contacted LMM to make a good-faith settlement offer of {$170.00} to resolve Account # XXXX. 
LMM replied stating that I must call to discuss the matter.

I attempted to call multiple times at the number they provided. Every call went to voicemail, and I have received no return calls.

Despite repeated written requests, LMM has refused to continue communication in writing. The company is attempting to require phone-only communication, which violates my right under the FDCPA ( 15 USC 1692c ) to request and receive written communication.

Because LMM is not responding to calls or written messages, I am being prevented from resolving this debt in a reasonable manner.

I am requesting CFPB assistance to : -Require LMM to communicate in writing -Require LMM to respond to my settlement request -Ensure the account is properly updated with the credit bureaus once resolved -Investigate the companys refusal to comply with FDCPA requirements I have documented : My written settlement offer Their demand to call only My request to continue communication in writing I am prepared to resolve this matter immediately once written confirmation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: DailyPay, Inc
State: IL

Complaint narrative:
Dailypay allows customers to overdraft what they dont have and i wasnt aware of this. During an old employment with XXXX i took out more than i had in my account i wasnt aware of this that was back in XXXX and i havent used since then. Fast forward now i used daily pay about late XX/XX/XXXX time. And now my direct deposits come constantly from dailypay and i put my cancellation in a month ago they are holding me against my will until the repayment is paid. But i didn't know dailypay allow you to take out more than you have. Dailypay says cancellation takes 2-3 pay periods well its been over 4 pay periods theyre going against their own policy running to get me to repay something i was unaware of. and im being held against my will. I want my check to come directly from my employer to my own account i dont want dailypay to control anything. If someone is late on their credit card bill they will simply close their account so what makes dailypay bigger than proper policy?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
These accounts are not mine and appear to have been created fraudulently. I request their immediate removal and a detailed investigation. Relevant evidence has been attached.

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 2025-11-04 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: NJ

Complaint narrative:
I am filing this complaint as a consumer attempting to correct inaccurate and incomplete information being reported by the credit reporting agencies listed below. These items are either being reported incorrectly, past the allowable reporting period, or lack sufficient documentation and verification of accuracy as required by the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( B ), and 611.

Disputed Accounts Charged Off XXXX Account No : XXXX Same issue as with XXXX  : XXXX balance but listed as charged off. Request verification or deletion. 

XXXX  ( Multiple Accounts ) Same account numbers as listed above. 

Multiple entries appear to represent the same underlying student loans.

Many of these accounts date back over 10 years and may no longer be reportable under FCRA 605 ( a ).

Request verification of current status, deletion of duplicates, and removal of any obsolete data.

( Note : XXXX XXXX XXXX XXXX does not appear on Equifax. If it is being reported by XXXX  and XXXX  only, please confirm with the furnisher whether it should appear on Equifax at all. ) Inquiries ( XXXX ) XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> These inquiries were not authorized by me or may have been generated through third-party auto or loan prequalification systems.

Please confirm permissible purpose under FCRA 604 and remove any inquiries that can not be verified with a permissible purpose.

Late Payments ( XXXX  ) No specific late payments are being disputed at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

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 2025-11-04 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: NJ

Complaint narrative:
I am filing this complaint as a consumer attempting to correct inaccurate and incomplete information being reported by the credit reporting agencies listed below. These items are either being reported incorrectly, past the allowable reporting period, or lack sufficient documentation and verification of accuracy as required by the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( B ), and 611.

Disputed Accounts Charged Off The following accounts are inaccurately reported as charged off or contain unverifiable information. I request that Experian verify each account and provide documentation of the original creditors verification, or delete the accounts if such verification can not be obtained. 

XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account reports as charged off with a XXXX balance. Please verify the charge-off status and reason, as a XXXX balance indicates it was either settled or transferred. 

XXXX  ( Multiple Accounts ) Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX These student loan accounts appear duplicated or fragmented versions of the same original loan ( s ). I am requesting verification of each accounts legitimacy, the accurate open/close dates, and whether these are still valid under FCRA 605 ( a ) given their age ( some opened as far back as XXXX ). 

Please remove any duplicates, unverifiable, or obsolete entries. 

XXXX XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} Please verify charge-off status and whether this account is beyond the allowable seven-year reporting period. 

Inquiries ( XXXX ) No unauthorized or inaccurate inquiries listed for Experian at this time. 

Late Payments ( XXXX ) No late payments are being disputed at this time.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I disputed a debt reported by Southwest Credit Systems because the balance and/or credit limit shown on my XXXX  credit report were incorrect. 
I submitted a dispute through XXXX XXXX and XXXX, but the result was unknown, and I never received any clear response or documentation from the company. 
I requested that Southwest Credit Systems verify and correct the inaccurate information, but they did not provide any proof or update.

This incorrect information is still appearing on my credit report and is negatively affecting my credit score. 
I am requesting that this account be properly investigated and corrected or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2024, I enrolled one of my Chase credit card accounts in a fixed payment plan at 0 % interest. Immediately after doing so, Chase closed my two other credit card accounts without my request or authorization. Because those accounts were closed by Chase, not by me, I was informed and reasonably believed that they were also placed on similar fixed payment programs.

Over the past year, Ive made consistent, on-time payments every month under the assumption that all three accounts were enrolled in fixed repayment plans with 0 % interest. However, I recently discovered that Chase failed to enroll the two closed accounts in the program. As a result, Ive been charged more than {$2000.00} in interest that should never have accrued if the accounts had been handled correctly.

When I contacted Chase, I was told that the system does not allow reversal of the interest charges, even though this issue appears to stem from Chases own administrative oversight and unclear communication. Ive been a long-standing, responsible Chase customer and feel that I have been misled and unfairly penalized.

Im submitting this complaint because Ive exhausted Chases internal resolution channels and have not received a fair or reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I am contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit file.

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ADP Inc.
State: TX

Complaint narrative:
Account Fraud, Failure to Restore Access, and Gross Negligence by Wisely Bank Background : On XX/XX/XXXX, my phone was stolen. Subsequently, my Wisely Bank account was accessed by an unauthorized individual, who made fraudulent transactions and changed my contact information.

Timeline and Company Interaction : I contacted Wisely Member Services on XX/XX/XXXX, to report the fraud and secure my account. I was instructed to submit specific documents for identity verification, which I completed promptly.

Despite daily follow-up calls to Member Services and numerous conversations with multiple representatives and supervisors over the past 10 days ( from XX/XX/XXXX to XX/XX/XXXX ), my account access has not been restored. During these calls, I received conflicting information and repeated false assurances that the matter would be resolved " by the end of the day '' multiple times. The bank 's continued failure to act is well outside of typical resolution timeframes.

All communications with Member Services were conducted via recorded lines. While I do not have specific representative names or exact dates logged, the company 's internal call records contain the full history of my attempts to resolve this issue and the failures of their staff.

Identifying Information ( as account number is unavailable ) : Account Holder : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Texas XXXX Phone Number : ( XXXX ) XXXX Employer ( Paycard Provider ) : XXXX  Impact and Damages : As a direct result of Wisely Bank 's extended delays, negligence, and poor customer service : I have been unable to access my last three paychecks, as this is my primary paycard account associated with XXXX. 
This has caused severe financial distress, emotional hardship, and put my physical safety at risk ( e.g., inability to afford transportation to work ).

Desired Resolution : I demand the following actions be taken immediately : Immediate restoration of access to my Wisely account.

Reversal of all fraudulent transactions.

Full access to the funds from my last three paychecks.

Monetary compensation for the severe financial and emotional distress caused by the bank 's gross negligence and ongoing delays.

I am seeking legal counsel regarding this matter and expect the company to preserve all relevant call recordings as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the inaccurate late payment notations on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any errors in reporting these payments are both incorrect and unlawful.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because both TransUnion and XXXX  continue to report a charge-off from XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XX/XX/year> - {$25000.00} * *, which is factually inaccurate and inconsistent with the accounts true status. I have previously disputed this item with both bureaus, but their responses have been generic and failed to demonstrate that any actual verification or documentation was conducted.

This account was not charged off as claimed, nor was it delinquent in the manner currently reflected. The continued reporting of this entry has created an unfair and misleading picture of my creditworthiness. It also suggests that I defaulted on a major financial obligation, when in reality, the reporting itself contains errors that the furnisher and the bureaus have failed to substantiate.

Under 15 U.S. Code 1681 and FCRA Section 623 ( a ), both TransUnion and XXXX  are required to ensure that all reported data is verified, accurate, and complete. Furnishers are legally obligated to correct or delete information that can not be verified. Continuing to display this charge-off after being notified of its inaccuracy constitutes a violation of the FCRAs accuracy and reinvestigation requirements.

This error has severely damaged my credit reputation and financial opportunities, leading to unjust denials and higher rates. It is deeply frustrating that despite multiple attempts to correct the record, both bureaus have chosen to rely on unverifiable and misleading data instead of actual evidence.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed in my credit report, under account number ( XXXX ), a 30-day late payment error. I have never been late with my payments, so I kindly request that this late payment be removed, as it is not legitimate. I have never been late with my XXXX XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I noticed in my credit report, under account number ( XXXX ), a 30-day late payment error. I have never been late with my payments, so I kindly request that this late payment be removed, as it is not legitimate. I have never been late with my XXXX XXXX credit card.

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 2025-11-04 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: NC

Complaint narrative:
In XXXX of 2025 I contacted XXXX XXXX XXXXXXXX XXXX and notified them that I was XXXX XXXX XXXX from work. I also told them that I will resume work in a month and I will be back on track. I had this card over a year and was never late. They pointed out that i had always been on time and it will not be a problem as long as I contact them when I resume work, I called them when I returned to work a month later and they had reported a negative late payment on my credit report. I asked them can they send a courtesy letter to the credit bureau asking them to remove the one time late payment and they said they could not do it. I reminded them of the phone call we had and how they said they would not do this as long as I resumed back to work, I also asked if they can pull the recorded phone call and they said who ever told me that lied because their company do not ask the bureau to do that. I feel it is unfair to me because I communicated with XXXX XXXX XXXX XXXX  and they told me we had an agreement and now they reported a negative remark way before it was thirty 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 2025-11-04 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-04 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: HI

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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