vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I receive multiple calls and texts through out the day. I answered XXXX of the calls and requested that they stop calling and texting. The person on the line said they cant until I give them my personal information. To which I said unless they can validate my debt then I wont be answering anymore calls.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: CA

Complaint narrative:
These accounts are fraudulent and were opened without my knowledge. Kindly remove them within 15 days under the guidelines of USC 1681g. I have enclosed evidence.

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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: Trouble accessing funds in your mobile or digital wallet — 
Company: DailyPay, Inc
State: CA

Complaint narrative:
I am unable to access my DailyPay account because my phone number on file is no longer active. I contacted DailyPay support multiple times by phone and email. Each time they asked me for documents and information, which I provided in full ( I have emails and screenshots as proof ). 

Despite giving them everything they requested, they kept repeating the same instructions and telling me they would help, but no action was ever taken. I have called twice, and both times I was told the same thing with no resolution. When they asked me to call again, I refused because I had already gone through this process without results. 

Because of this, I can not access my earned wages through DailyPay. This has caused financial hardship and unnecessary stress. I am requesting that DailyPay update my phone number through secure identity verification ( using the documents I already provided ) so I can regain access to my account and funds.

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: CA

Complaint narrative:
I did not authorize the creation of these accounts and bear no responsibility for them. In accordance with USC 1681g, please delete them within 15 days. Attached are supporting documents.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On Thursday the XXXX I was applying for loans online so so XXXX company achieve which turned out to be a front for the real company said I had to fill out some forms so I filled out the forms and I waited for them to contact me well while I was waiting for them to contact me, they were inside my inside my bank account doing fraud movements XXXX different transactions within a XXXX hour period and Chase didnt notify me that didnt ask. They didnt raise an eyebrow. They didnt notify me a fraud alert or nothing. Every transaction they did I never ever done my bank account before which shouldve raised red flags XXXX years. Ive been with them. Ive never done any of those type of transactions. I didnt even recognize it. Anyway they built up the bank account and then sent everything out on XXXX XXXX  and now Chase is trying to put everything on me like its my fault when they let these people work in my bank account for a day and a half without even raising an eyebrow and now my bank account in the deficit and I needed to be balanced back out because all my bills are gon na be shut off. I got all my bills are due. I have not unfrozen. I can not do nothing. This could be devastating.

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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2025, I received a mailed confirmation notice from U.S. Bank verifying my recent application for a U.S. Bank XXXX XXXX Account with Application ID : XXXX. I never submitted or authorized such an application. 

Nine days later, on XX/XX/2025, U.S. Bank sent me a formal response letter XXXX XXXX XXXX XXXX XXXX XXXX ) stating that the application notification was sent in error and that no application was submitted. This written response directly contradicts the mailed postcard, which clearly shows an application was processed in my name. 

This situation raises two major concerns : Unauthorized Account Opening U.S. Banks system created an application under my name without my consent. 

Contradictory and Misleading Statements U.S. Bank denied the application existed in their response to my prior CFPB complaint, even though they generated an official mailed notice tied to an application ID. 

This is deeply concerning, as it may indicate misrepresentation in U.S. Banks regulatory response and a potential unauthorized use of my personal information. 

I am requesting : Documentation of how XXXX ID XXXX was generated. 

Confirmation that no account was formally opened or reported to XXXX XXXX/credit bureaus. 

Assurance that this unauthorized application will not affect my consumer reports or financial standing. 

I have attached a copy of the mailed confirmation postcard for verification. 

Sincerely, 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 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: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
I have had excellent credit for years, with all my accounts paid as agreed and never late, including my student loans. I have not attended school in almost 15 years and have not opened any new student loans since then. Recently a student loan collection was reported to my credit reports, without any prior call, written or emailed notice. This account has severely impacted my credit score by more than XXXX points and I have no idea why there is an account in collections or where this debt has come from since I have always maintained my payments on time. I have made several attempts to contact the collection agency with no luck and I am stuck with how to resolve this issue.

Company response to consumer: Untimely response
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: SC

Complaint narrative:
After reviewing my credit report I notice that I have a fraudulent collection and inquries listed on my credit report. The fraudulent items have damaged my ability to obtain new credit. Please remove the negative collection and inquiries from my credit profiles.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After reviewing my credit report I notice that I have a fraudulent collection and inquries listed on my credit report. The fraudulent items have damaged my ability to obtain new credit. Please remove the negative collection and inquiries from my credit profiles.

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: Experian Information Solutions Inc.
State: FL

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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX 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 have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to make an ATM cash withdrawal using my ClinCard. I explicitly selected the " Decline '' option on the ATM screen, and the card was returned to me. I did not receive any cash, nor did I hear any sound of cash being dispensed. Despite this, my account was debited {$470.00} plus a {$14.00} ATM fee for this transaction. I called my card 's customer service and was told there was nothing they could do.

I immediately filed a dispute with the company. My initial dispute was denied on the basis that no error was found. I then filed an appeal, but my appeal was also denied, with the company stating that the ATM 's logs showed the cash was dispensed successfully. The company refused to provide a copy of the ATM logs they used to deny my claim, despite a previous letter stating I had the right to request them.

In response, I went back to the same ATM and conducted a test. I discovered that the ATM 's interface is flawed and deceptive. When a user selects the " Decline '' button, the machine proceeds with the transaction and dispenses cash after returning the card, creating the false impression that the transaction has been canceled.

Furthermore, my case has been complicated by conflicting information from the company 's customer service agents, with some stating that my card can not be used for ATM withdrawals in XXXX, while others claim it can.

The debit to my account was not a valid transaction but a result of a deceptive interface error that caused my explicit " Decline '' to be processed as an " Accept. ''

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I reported fraud and provide evidence to company which denied or protected my asset 's. I am filing a complaint against PayPal Inc due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Amount : {$3600.00} I am writing to formally dispute a charge-off that has been reported on my credit file regarding my Capital One account, Account XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year>, I spoke with a Capital One customer service representative ( supervisor ) regarding the status of my account. During this call, I was expressly advised that if I made a payment immediately, the account would not be charged off. I followed this instruction in good faith and made the required payment ( on the same day ). Despite this, my account was still reported as a charge-off. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or misleading information being reported to the credit bureaus. The reporting of this account as a charge-off, after I complied with the instructions provided by Capital One ( via phone ), is both inaccurate and unfair. 

I kindly request that Capital One review its call records and account notes related to the date of my payment and the conversation with the customer service representative. In light of the circumstances, I am respectfully asking that the charge-off designation be removed from my account and not reported to the credit bureaus. 

Please provide written confirmation of your findings and the resolution of this matter. Thank you for your attention and cooperation.

Company response to consumer: Closed with explanation