vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA and 605B ( 15 U.S.C 1681c-2 ) that you, the ( EXPERIAN, EQUIFAX, TRANSUNION ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian, Equifax, and Transunion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent accounts consist of a auto loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX under the account number XXXX .This account have resulted several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity Related to said items cease pursuant to my rights within the FCRA and FDCPA laws All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/year> I opened a checking account under a {$600.00} bonus program Synovus was running, which required a direct deposit of {$5000.00} and 15 debit card transactions within 60 days of account opening, which I accomplished on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX, the bonus was supposed to be deposited to my account. That did not happen. I've made multiple calls to them since then asking where my bonus is. They said they opened a case and would give me updates via callbacks. I have never once received a callback and have continuously had to call them. They have never had any substantial update every time I've called, always saying " we're still investigating ''. I feel like I've been scammed to open an account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-27 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: FL

Complaint narrative:
Contacted Dailypay to reopen my account after it was closed when I left my employer. I was rehired by the employer at a different location and my employee id changed. The ID associated with my account is the old employee ID. They started the employer will need to generate a new account. Contacted Payroll, they stated that was not accurate and the ID needs to be updated with DailyPay. Contacted Dailypay again, they wanted to take a wait and see approach before opening a ticket to resolve which would delay my payroll.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XXXX a Male person walked into a Citizens Bank within a XXXX XXXX XXXX XXXX  in XXXX, XXXX Massachusetts. According to citizens Bank with a Debit Card, Valid Pin & a Valid ID with my Sons Name on it and withdrew {$2900.00}. Dollars from my account. On Sunday XXXX I noticed the missing Money. On Monday XXXX I called citizens Bank and reported a fraudulent withdrawal from a savings account with my name XXXX XXXX and My Sons Name XXXX XXXX XXXX on it. I live in New York and My Son lives in California. Neither XXXX of us were at the XXXX XXXX XXXX supermarket in XXXX Massachusetts on XXXX. A case was opened and I was told its not a problem, you will receive your {$2900.00}. Dollars back in 3 business days. I waited a week, called to check on the progress and was told that case # XXXX was reclassified as a clerical error and closed. Unfortunately for Me they did not return my money, Im still out the {$2900.00} dollars. I insisted that a new case be opened, XXXX # XXXX making sure to sighting the first case. Out of curiosity I called the Citizens Bank in XXXX Massachusetts, Spoke with the Manager XXXX and proceeded to fill her in on what took place, because she was not notified by Citizens Bank that a theft had occurred. The Bank Manager made out a report insured me that she would call me back. A little while later, the Manger called me back and informed me that she watched the video of a young Man walking up to a teller, presenting the required valid ID, valid Debit Card & Valid pin # and withdrew {$2900.00}. from my account. I called Citizens Bank again to make sure this detail was recorded and it was. It is now 15 Day, s since the theft occurred. I just Called Citizens Bank again spoke with an customer service representative had to explain the whole story again with no resolve and more importantly no {$2900.00} dollars. I would like to know how this happened considering they only people who would have the required information and equipment to produce a working debit card with valid pin # is citizens. To me it seems like Citizens Bank should be out the {$2900.00}. dollars not me. bankXXXX apologize for the very long explanation but I was informed I would only get one opportunity to explain my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
I am filing this complaint because my credit report still shows outdated and inaccurate personal information, even after I previously requested that it be corrected. 

The following outdated addresses are still being reported : XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( last reported XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( last reported XX/XX/XXXX ) The following inaccurate employers are also still listed : XXXX XXXX XXXX XXXX XXXX Sons These addresses and employers are no longer accurate and should not remain on my file. Under the Fair Credit Reporting Act, only my current and verifiable personal information should be reported.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: PA

Complaint narrative:
First Progress issued by Synovus Bank closed my account. The account was written off when means they received tax credits for this account and any other consumer account that they close. With this being said they must provide the XXXX filed with the IRS because it is considered income. I called the IRS and they stated this standard practice and I would need to contact the creditor. Since this is income it can not be reported to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account that has been reported on my credit profile. I never authorized, opened, or used this account, and its presence is entirely inaccurate. This erroneous reporting is damaging my credit standing and misrepresenting my financial history.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
provide the original written agreement with my signature agreeing to pay, please send me proof that i am legally obligated to pay you, I need the purchase agreement of the debt, the insurance claim of the debt, and verify if the debt is within statute of limitations, need a copyof the last billing statement from original creditor, need proof that you are authorized to collect this debt on behalf of the creditor, you are only, you may only send me written correspondence from this point forward. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

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 explanation
Consumer complaint received 2025-08-27 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: NC

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

1681c2 ) that you, the Equifax 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  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited XXXX. At usbank to open an account the lady from usbank called me to welcome me for banking with usbank. Then she close my account I don't know why, I would call this lady every day to ask her where is my money then she finally responds with i mailed a check out to me XXXX XXXX XXXX which i never received in the mail and I didn't even get to activate my debit card but the money was gone where I don't know that's why I'm here again hoping and trust that you guys will get me my money back please Sincerely, XXXX XXXX XXXX XXXX again

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 2025-08-27 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-08-27 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: LA

Complaint narrative:
I recently review my credit report and found the following items that need 100 % verification, accurateness, and timely as per the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and61.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-27 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: AL

Complaint narrative:
My information was involved in the data breach for Equifax in XXXX. That is when my identity theft started to happen. The credit bureaus have not been able to resolve this nor was not able to receive the settlement to receive free services to repair my credit that was from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: VA

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

1681c2 ) that you, the Equifax 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 XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2019, Balance : {$9900.00} 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 XXXX 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 response to consumer: Closed with non-monetary relief