vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: DISCOVER BANK
State: IL

Complaint narrative:
* * XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX * * Discover Card Services * * Attn : Executive Office of Customer Advocacy [ XXXX XXXX. ] Re : Fraudulent Account Ending in XXXX | CFPB Case # : XXXX Dear XXXX XXXX , I am writing in response to your XX/XX/XXXX letter concerning the Discover Card account ending in XXXX. I must again state unequivocally that this account was * * fraudulently opened using my personal information without my knowledge or consent * *. I did not apply for this credit card, authorize its use, or engage in any transactions related to it. 

Your letter references activity including online application, activation, use of my personal identifiers ( name, address, SSN, email ), and multiple phone calls. I categorically deny having participated in any of these actions. 

To support a thorough investigation, I am formally requesting that Discover provide complete and verifiable evidence that I was the individual who opened and used this account. Specifically, please provide : 1. * * Full transcripts * * of all phone conversations you allege I had with Discover representatives ( including XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). 
2. * * Audio recordings * * of the same calls, if available. 
3. * * Screenshots or logs * * from the online application process including IP addresses, device identifiers, browser user agents, geolocation data, and timestamps. 
4. * * Copies of any documents * * uploaded or submitted during the application process ( including ID verification, photos, digital signatures, etc. ). 
5. * * Email correspondence * * sent to or received from the listed email address ( [ XXXX ] ( mailto : XXXX ) ), particularly related to application, verification, or account setup. 
6. * * Account activity logs * * showing login details, including dates, IP addresses, and device identifiers used for online access. 
7. Any * * voiceprint verification * * used to verify ownership as claimed on XX/XX/XXXX. 

I repeat, I did not authorize the opening or use of this account and believe my identity has been compromised. The continued reporting of this fraudulent account to credit bureaus is damaging and unjustified until you can demonstrate with concrete, verifiable evidence that I personally opened and used this account. 

Please treat this request with urgency. In accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I expect a prompt and thorough investigation. Kindly forward all requested documentation to my address above, and confirm receipt of this letter. 

Sincerely, * * XXXX XXXX XXXX * * CC : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX on XX/XX/2020 account number XXXXXXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: CA

Complaint narrative:
I took out a loan with PatientFi through XXXX on XX/XX/year>, for {$2100.00} under a deferred interest plan. I was XXXX XXXX XXXX at the time and did not fully understand how the deferred interest worked. I believed interest would only apply to any remaining balance after the 18 months, not retroactively on the full amount. 

After seven months of making steady payments, I reviewed my records and realized my loan balance was barely decreasing. I discovered that despite paying over {$4100.00} in total payments, the majority went toward interest, and my principal balance is still {$600.00}. There is also {$300.00} in remaining outstanding interest. I have paid {$420.00} in interest alone, and it continues to grow. 

I recently reviewed my paystubs and realized that I have paid nearly as much to PatientFi as I have earned at my part-time job. As a college student with limited income ( my most recent paycheck was {$500.00} for two weeks of work ), this loan has become incredibly stressful. 

When I contacted PatientFi to request a settlement based on financial hardship, offering to pay {$650.00} ( which is more than my principal balance ), I was told by their representative XXXX that they would not accept the offer and that if I wanted documentation of my settlement request or any record of our conversation, I would need to subpoena the company. While PatientFi did provide a basic payment breakdown and my original contract when I requested it, they refused to provide documentation of my settlement attempt or a clear explanation of why they would not accept my offer. 

I believe PatientFis practices are predatory and misleading, especially toward young consumers who may not fully understand complex loan terms. I request that PatientFi waive the excessive interest charges, accept my {$650.00} payment as settlement, and report the account as paid in full or settled in good standing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I had two accounts with US Bank that were closed by the bank in early XXXX. One was a business account and one was a personal account. I am supposed to be receiving a cashiers check for both accounts. According to the bank, the cashier checks were mailed out and end of XXXX And they said that if I dont receive them by XX/XX/XXXX, then I can call back for an issuance of new checks on XX/XX/XXXX. I did not receive those checks so I called back on XX/XX/XXXX and the banker that I spoke to said I am going to be receiving a letter that I have to sign and send back before New checks can be issued and this will take about 5 to 7 business days. I did not receive that letter that he told me about. I called the bank and the lady said to give it until Tuesday since the banks would be closed on Monday for a memorial day and if I dont receive the letter on Tuesday then I can call back on Wednesday. I called back two days ago and they dont know why the checks never came. The lady on the phone said that she will be emailing the back office for an update regarding this and Ive already had someone email the back office last week as well without any response. Now, they are saying to give it until next Wednesday for the back office to respond. They are keep delaying this matter and I really need those checks to pay my taxes. I have not been able to file my taxes due to the cashier checks being delayed. The bank is keep on delaying this matter and keeps on telling me to call back every couple of days for an update. This is very unprofessional and I have thousands of dollars of tax money on hold due to this inconvenience. I spoke to one of the bankers and asked him if this could be dealt with in person and he said yes, I can. And then when I called the branch, they said you have to find out which branch close your account. So then I called back US Bank customer service and the New # banker that I spoke with said this can not be dealt with in the branch since my account was open digitally and since its already handed back to the back office. Im getting different responses from people and my checks have gone missing in the mail. The letter that they said will come has also not came and its been past the timeframe that they gave.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
A message was left that I had a suspicious charge on my Bank of America card which was declined and a hold for purchases was put on hold.They said I had to call them back to verify fraudalent charge.I did call, a so be Bank of America employee answered, asked for my phone #, crd #, XXXX  #, date of birth, last XXXX digits of SS, he kept trying to send a message to my cell phone so I would verify info, he kept having a difficult time then he said his supervisor was coming on line, I hung up.I instead called card # on chg card, had them cancel card and decline charge and an additional charge that was made while on the phone with the person impersonating a Bank of AM employee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I'm writing to dispute incorrect information that is currently being reported on my credit file. Let me be clear this account/item is not accurate, and it should have never made it onto my report in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: KY

Complaint narrative:
THis letter is to inform you that i recently recieved a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. The accounts are listed below XXXX XXXX XXXX Account # XXXX Opened XX/XX/year> Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed. 
Under the Fair credit reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
My federal student loan, serviced by XXXX ( Account # XXXX ), has been reported 150 days delinquent due to missed payments. However, I was not personally notified of the delinquency, and XXXX was using my XXXX contact information, not mine, despite the loan being in my name. This breakdown in communication, combined with federal policy confusion around the loan pause and forgiveness programs, resulted in an unintentional delinquency. 

Since loan repayment began, my XXXX were making the payments from their own account under an agreement we made when I attended college. I had no reason to believe payments had stopped or become past due, as everything was handled outside my own banking systems and communication channels. 

I immediately brought the account current upon learning of the issue. Prior to this incident, I had a spotless payment record. I have requested a goodwill removal of the late marks from XXXX, but was told they do not accommodate such requestseven when the reporting is the result of a communication failure during a federally paused period. 

I am seeking the CFPBs help to request that XXXX reconsider this situation and remove or revise the negative credit reporting. This has caused an unnecessary and avoidable drop in my credit score during a key stage of my financial life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
My federal student loan, serviced by XXXX ( Account # XXXX ), has been reported 150 days delinquent due to missed payments. However, I was not personally notified of the delinquency, and XXXX was using my XXXX  contact information, not mine, despite the loan being in my name. This breakdown in communication, combined with federal policy confusion around the loan pause and forgiveness programs, resulted in an unintentional delinquency. 

Since loan repayment began, my XXXX  were making the payments from their own account under an agreement we made when I attended college. I had no reason to believe payments had stopped or become past due, as everything was handled outside my own banking systems and communication channels. 

I immediately brought the account current upon learning of the issue. Prior to this incident, I had a spotless payment record. I have requested a goodwill removal of the late marks from XXXX, but was told they do not accommodate such requestseven when the reporting is the result of a communication failure during a federally paused period. 

I am seeking the CFPBs help to request that XXXX reconsider this situation and remove or revise the negative credit reporting. This has caused an unnecessary and avoidable drop in my credit score during a key stage of my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
My federal student loan, serviced by XXXX ( Account # XXXX ), has been reported 150 days delinquent due to missed payments. However, I was not personally notified of the delinquency, and XXXX was using my XXXX contact information, not mine, despite the loan being in my name. This breakdown in communication, combined with federal policy confusion around the loan pause and forgiveness programs, resulted in an unintentional delinquency. 

Since loan repayment began, my XXXX were making the payments from their own account under an agreement we made when I attended college. I had no reason to believe payments had stopped or become past due, as everything was handled outside my own banking systems and communication channels. 

I immediately brought the account current upon learning of the issue. Prior to this incident, I had a spotless payment record. I have requested a goodwill removal of the late marks from XXXX, but was told they do not accommodate such requestseven when the reporting is the result of a communication failure during a federally paused period. 

I am seeking the CFPBs help to request that XXXX reconsider this situation and remove or revise the negative credit reporting. This has caused an unnecessary and avoidable drop in my credit score during a key stage of my financial life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
When I reviewed my credit report today, I was surprised to find inaccurate accounts that I can't explain. I check my credit regularly, and these inconsistencies appeared out of nowhere. I tried reloading the page, thinking it might be a browser issue, but that didnt fix anything. Im asking that the documents I've provided be carefully reviewed so I can have peace of mind moving forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive deceptive, and unfair practices of the FDCPA FCP which it prohibits. They furnished this account that we did not agree upon, and I did not sign an agreement. An a legal contract they signed by two parties, and I did not participate in any of it. More so they did not follow the proper five steps validation procedure, which makes this unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation and clearly they have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: DailyPay, Inc
State: NV

Complaint narrative:
Dailypay made an overpayment of XXXX on the XXXX. It was taken back as of the XXXX. Then again on XXXX and XXXX. I called walked through the account with customer 3 times. Nothing they tell me matches what's online. I asked for a paper statement to see in XXXX and white to see what is happening with my paycheck. I was told they don't do that. I asked to speak with someone higher up. I was told 24 hours someone would get back to me but no response. Today I was told that now it will be 2 days and in the meantime some the deposits on the website have now been changed. Nothing says what it did yesterday and there are deposit showing that I never received. I really just want the information on what they are doing with my money and actually be able to show me proof of what I'm being told

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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