vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: OH

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX ( {$5900.00} ), XXXX ( {$740.00} ), XXXX XXXX XXXX {$18000.00} ), XXXX XXXX XXXX {$1500.00} ), INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm , Inc . 
Attn : Compliance Department Re : Cease and Desist & Debt Validation Request Account # XXXX To Whom It May Concern, I am writing regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that Affirm , Inc., and any of its affiliates, agents, or representatives : Cease and Desist Communication Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all communication with me regarding Account # XXXX. This includes phone calls, emails, text messages, letters, or any other form of direct or indirect contact. Any further communication outside of what is legally permitted will be considered a violation of federal law. 

Debt Validation Request Additionally, under 15 U.S.C. 1692g, I dispute the validity of the alleged debt associated with this account and request that you provide proper validation. Specifically, please provide : The original creditors name and address ; The amount of the alleged debt, with an itemized accounting of all charges, fees, and interest ; A copy of any signed agreement or contract creating the obligation ; Documentation establishing Affirm, Inc.s authority to collect on this account. 

Until such validation is provided, you must cease all collection efforts. 

This letter should not be construed as acknowledgment of liability for the alleged debt. I am exercising my rights solely under federal law. 

Please confirm in writing that you have received this request and that you will cease further communication unless providing the debt validation materials requested or as otherwise permitted under 15 U.S.C. 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
my PayPal account was permanently limited. At the time, I had a balance of {$2600.00}, which came directly from my college financial aid refund. 

PayPals policy is to hold funds for up to 180 days after permanent account limitation, after which the balance must be released to the account holder unless there is a legal reason preventing it. 

It has now been over XXXX year since the account was limited. Despite multiple attempts to contact PayPal, my funds have not been made available for withdrawal. I have not been accused of fraud or received any legal notice that would prevent release of the money. 

These are federal financial aid funds intended for my education and living expenses, not business or commercial sales. PayPals refusal to release the money after the required time has caused financial hardship. 

I am requesting that PayPal immediately release my balance of {$2600.00} either by direct transfer to my bank account or by issuing a paper check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
XXXX XXXX  and XXXX XXXX are posting inaccurate low credit scores that conflict with the actual credit reporting agencies website scores. My Experian credit score via XXXX XXXX shows a decrease of XXXX points in XXXX while the Experian official website score shows " no changes '' in XXXX. Experian cleverly stops you from reporting a dispute by only allowing certain criteria to be entered which prevents any real resolution. My Experian website score is XXXX while the XXXX XXXX Experian score shows XXXX. This is highly inaccurate and is false reporting. Also Experian reports are used by my bank at XXXX which also shows a score of XXXX which is false as well. It seems to me that certain banks and creditors are purposely showing lower credit scores or Experian is falsely reporting higher scores for some reason. This has been ongoing for several months. Experian keeps pushing for payment to increase credit scores and is obviously punishing people for not paying for this service by falsifying credit scores.

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 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act, this collection has NOT provided the PURCHASE AGREEMENT for the debt they are trying to collect on. 
1. They are using an intimidation tactic to make me pay a debt that has NOT been validated with my signature that proves that the debt is mine. An invoice for a debt doesnt mean the debt is mine.

This is a federal complaint that they are blatantly violating the law. There should be NO entries of the above account on any of my credit reports, XXXX XXXX XXXX XXXX XXXX XXXX 
I am consulting with a consumer law attorney to explore my options regarding defamation of character and improper credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I requested money from my Ira account {$440.00} from XXXX and chime refused to deposit my money into my acc and said they dont have an ach department and thats illegal to operate on American soil without an ach department. They stole my retirement money and Im missing {$300.00} from my account un accounted for they take money and erase the records and send paychecks to their own accounts they have immigrants running the bank and now I have student loans in my name I never requested for I want my ach money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: IA

Complaint narrative:
I checked my latest credit report and noticed multiple accounts fraudulently reporting on my credit report they are showing under my name and they are not mine Im demanding immediate action of removing them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: IA

Complaint narrative:
I checked my latest credit report and noticed multiple accounts fraudulently reporting on my credit report they are showing under my name and they are not mine Im demanding immediate action of removing them

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Opened a money account with synchrony bank my financial aide check was deposited from school XX/XX/XXXX in the amount XXXX I tried to do a wire transfer to my mom account so I could pay my rent and was told by the rep I would be able to complete that transaction they flagged account have been holding my funds XXXX. Which i was facing a XXXX  an had to move out my apartment.

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I was on vacation and was able to get the physical card today. I tried to activate it and supposedly was able to, but when I tried to add it to XXXX XXXX  it didn't worked and I was required to contact the card issuer which I did.

I tried to solve it with the chat and the first time the support person didn't even bothered to write.

The second time after I cancelled the first chat, the customer " support '' said I should you a certain link he provided, but that said " technical issues ... ''. He then finally said he would ; d activate it himself which he supposedly did.

I tried again and then it said at XXXX XXXX that I need to verify the credit card under a certain number which I tried.

The first time I called I hardly understood the XXXX lady but I tried, but sadly something happened and I needed to cancel the call while I needed to wait again for another " XXXX '' representative. 
While I tried it another time, I received a message that my card was locked and I was supposed to call them which I was anyway trying.

Then they proceeded to supposedly send me a mail with a code which I still don't have.

At this point I think that I get scammed from Citi/XXXX  . How can it be that if I can provide even my SSN, full name, address, email, phone number, everything that its still not possible to use the physical 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 non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WV

Complaint narrative:
We borrowed less than $ XXXX and have paid back $ XXXX over the last 10 years. The interest is so high, weve tried to consolidate and then to get a better rate - even after having an almost XXXX credit score, they wont allow it. We tried settling and paying upfront what we owed minus a percentage- we still owe - according to them - a little over XXXX. 
Ive also tried to get the record of payments made prior to switching companies and they said they cant access them - and XXXX no longer has them. 
We paid more than XXXX what we borrowed- it just doesnt seem right that were having to pay DOUBLE what we borrowed. This is now free money for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
I am submitting this formal complaint against the credit reporting agencies and the creditors listed below for serious violations of the Fair Credit Reporting Act ( FCRA ). My consumer rights have been violated because my credit file contains false addresses, inaccurate records, and unauthorized inquiries that I never approved or authorized.

1. Wrong/False Addresses Reported The following addresses do not belong to me, and I have never lived at or been associated with them : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX These false addresses are damaging my credit profile and must be deleted immediately as they create a misleading representation of my identity.

2. Unauthorized/Unverified Credit Inquiries The following companies have placed inquiries on my credit report without my knowledge, consent, or authorization : XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX These inquiries are not legitimate, were not authorized by me, and are harming my creditworthiness. Under the FCRA, no entity may access my credit file without permissible purpose, and these entries must be deleted immediately.

Legal Violations FCRA 604 No permissible purpose for these inquiries.

FCRA 607 ( b ) Credit reporting agencies must maintain maximum possible accuracy.

FCRA 611 I have the right to dispute inaccurate information and demand prompt correction or deletion. 

Requested Resolution Immediately delete the false/incorrect addresses from my credit file. 

Remove all unauthorized and unverified credit inquiries listed above. 

Provide written confirmation that these corrections have been completed.

Conduct a full investigation into how this inaccurate information was added to my file.

Failure to correct these issues promptly will leave me no choice but to pursue further remedies, including escalation through the CFPB, FTC, and possible legal action.

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: TX

Complaint narrative:
I have reached out to Netspend customer service once by phone and twice by chat. I called them on XX/XX/XXXX and the last time I spoke with them I believe was on XX/XX/XXXX. All three times I have asked them to fulfill the sign up bonus. When I signed up for the account there was a bonus for {$200.00} for receiving a direct deposit of {$400.00}. The attached file shows the terms of the bonus as well as one of the chats I had with them where I verified with their customer service I had fulfilled the bonus requirements. All three times I was told the same thing that a ticket was created and that the issue had been escalated and would be resolved. I am done waiting. It has been a month and a half and they have not paid me the {$200.00} bonus.

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 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: DailyPay, Inc
State: IL

Complaint narrative:
I use DailyPay to access my earned wages before payday. Their app is extremely confusing and misleading in how it shows Available versus Unavailable balances. 
On XX/XX/2324, the app showed that I had {$64.00} and {$80.00} available from my shifts. But when I checked my balance, I only had about {$100.00} total instead of the {$140.00} the app displayed. 
On XX/XX/XXXX, I re-entered time ( {$63.00} earned ). The app said {$41.00} was available from that day, but my actual balance only went up to {$33.00} while my Unavailable balance jumped to {$230.00}. There was no explanation. 
On a recent shift ( XX/XX/XXXX ), I earned {$97.00}, but DailyPay only made {$38.00} available less than 40 % of my pay. Some days they give me 6065 %, other days much less, and it is inconsistent and never explained. 


Even if the math eventually adds up on payday, this system makes it appear like money is missing. It is misleading, stressful, and unfair to consumers who are simply trying to access their wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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 found an inaccurate negative item on my credit report ( XXXX XXXX ( Original Creditor : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ). I contacted the credit reporting agency, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item.

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 2025-09-28 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:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : XXXX XXXX  Account number : XXXX Opened : XX/XX/year> Balance : {$2800.00} Account name : XXXX XXXX XXXX Account number : XXXX Opened : XX/XX/year> Balance : {$20000.00} INQUIRIES : XXXXXXXX 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 XXXXXX/XX/year>

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

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 2025-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Transform Credit Inc.
State: TX

Complaint narrative:
I am filing a complaint against Transform Credit for deceptive practices, systemic failure, and willful negligence in the handling of my loan application process.

I attempted to list my father as a cosigner on a {$4500.00} loan. We happen to share the same first name and home addressthat is all. Every other identifying detail is different : SSN, date of birth, full legal name ( including middle name ), and even the email address and phone number used.

Despite this, their website continues to throw an error message stating, It looks like youre using the Borrowers details. The Borrower can not be their own Guarantor. 
This is flat-out false. I am not cosigning my own loanI am listing a completely different, legally distinct, fully identifiable person. 

This is not a minor bug or inconvenience. This is a critical failure of basic identity verification logic, which has resulted in : A hard inquiry placed on my credit file with no option to complete the application, No functional path forward for resolution on their website, And no alternative support process in place to bypass the error, even after I reached out to their team directly. 

I contacted Transform Credit via email ( screenshot attached ) demanding that they either : 1. Fix their broken verification system and approve the application with my father as cosigner, 2. Or cancel the application entirely and remove the credit check from my record.

As of now, I have received no resolution. My credit is being punished not for any misstep of mine, but for their abysmally coded backend that equates same name + same address with same person. Thats not fraud detectionthats amateur hour. 

This company is actively damaging consumer credit scores due to sloppy tech and refusing to acknowledge the harm. This is inexcusable. 

I demand : A formal apology from Transform Credit, Immediate deletion of the credit inquiry from my report, And that they revise their system to recognize that multiple people can legally live at the same address and share a name without being the same individual.

Failure to address this may warrant further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: MI

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time now. Im demanding CFPB to enforce the correction and or deletion of these items.

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fraudulent Accounts was established using personal identification without my authorization no my information got leaked out in XXXX XXXX data breach orXX/XX/XXXX dirty breach XXXX XXXX XXXX, XXXX and XXXX account I didnt give nobody authorization open up to capital one credit card in my name im asking for this to be disputed off my credit report as soon as possible. AllXX/XX/XXXXcredit Bureau XXXX Requiring Consumer. File Protections in instances of suspected compromise, Fraud, or identity

Company response to consumer: Closed with non-monetary relief