vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I am submitting this complaint regarding a charged-off account I had with OneMain Financial, originally associated with account number ending in XXXX. The total balance is currently listed at {$5700.00}.

I have reached out to OneMain Financial twice ( on XX/XX/XXXX and XX/XX/year> ) via email with the intent of negotiating a lump sum settlement in good faith. I offered {$1400.00} as a starting point, clearly stating that I am open to negotiation and wish to reach a mutually beneficial resolution. I also requested a written response so that any counteroffer could be documented.

As of today, XX/XX/XXXX, I have received no reply to either attempt. I am currently in a very real and urgent financial hardship, and I do not know how much longer I will be able to maintain access to the funds Ive earmarked for a settlement. I have made every attempt to resolve this professionally and avoid further escalation.

Additionally, I raised a concern in my communication about OneMain continuing to update the balance of this charged-off debt even though the account was written off as a loss approximately four months ago. I have not received any clarification or response regarding this concern either.

I am respectfully requesting that OneMain Financial respond to my outreach in writing and provide a clear path to settlement so I can resolve this account and move forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-07-31 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: MD

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-31 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: DC

Complaint narrative:
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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover is reporting a charge-off account, but they never provided full documentation or proper validation. I did not receive a signed contract, a full breakdown of the balance, or proof they still legally own the debt. I sent written requests under FDCPA 809 ( 15 U.S.C. 1692g ( b ) ), and they failed to provide any of the legally required information.

Despite the account being charged off and possibly canceled, I was never issued a 1099-C, which they are required to provide if {$600.00} or more of the debt was canceled. This creates tax reporting issues and raises concerns of potential tax fraud.

Because of this, I have filed IRS Form 3949-A to report Discover for suspected tax violations, including failure to file a required 1099-C and concealing gains related to charged-off or securitized debts. I am also preparing a FOIA request to obtain any tax filings made in connection with this account to verify whether it was reported as canceled or sold.

In addition, I requested confirmation that the account was not securitized or sold in a pooled trust, and they never responded. Under FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ), they can not report unverifiable information, yet the charge-off continues to be reported across multiple credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX  is resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : XXXXXXXX XXXX XXXX A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I opened a checking and savings account along with an investment account with Sofi in XXXXXXXX XXXX XXXXXXXX. I received a debit card and have had very minimal activity on my accounts. The only transactions I have had on my account is purchasing 3 shares of sofi stock and using my sofi debit card perhaps twice in XXXXXXXX XXXX XXXXXXXX and again yesterday XX/XX/XXXX on doordash. Today, XX/XX/XXXX, sofi restricted my accounts due to false claims of unusual activities and even after I verified my identity, they told me they were closing the account with no further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased two lottery tickets from lottery machines in Illinois, one on XX/XX/25 & one on XX/XX/25. I used my Citibank visa and was charged a {$10.00} cash advance fee for each transaction, {$20.00} total. I explained to the customer service representative and manager at Citibank that I had no idea there would be a cash advance fee. If I knew I would not have used the card. For the record, I dont get any cash advances from banks, or credit cards. I requested the fees be removed from my account. They refused. They also said that I might win money, as if that justified the fees.

This is a scam being perpetrated by the banks & credit card companies on unaware consumers.

There should be a warning sign on the lottery machines informing consumers that they would be charged a cash advance fee for using their credit cards to purchase lottery tickets from the machines. And, the banks & credit card companies should be made to send out texts, or emails alerting consumers about the fees.

The signs on the machines should state : If you use your credit card to purchase lottery tickets from this machine, you will be charged a cash advance fee from your credit card company!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.

Complaint narrative:
In XX/XX/year>, I called the company about the XXXX  credit card payment that was resolved in these cases XXXX & XXXX. I requested that my account be closed which was addressed by the agent on a call that lasted at least an hour. But still I receive notifications about unpaid balance. Is this an automated message that is not monitored by human beings or is there a way such questions be addressed in a timely manner? I tried to contact XXXX via their safe messaging systems and my message did not go through. I would like your assistance in mediating this annoying and unfortunate situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a CareCredit account ( issued by Synchrony Bank ) that was transferred to XXXX XXXX XXXX for collections. I received a written settlement agreement from XXXX XXXX for {$370.00}. I have already paid {$200.00} toward this agreement {$100.00} in XXXX and {$100.00} in XX/XX/year> and I have a final payment of {$170.00} remaining. 

Despite this, Synchrony Bank is still reporting a balance of {$830.00} on my credit report as of XX/XX/year>. I called Synchrony Bank, and they told me they no longer manage the account and that XXXX XXXX is responsible. I then called Client Services, and they claimed I owe over {$700.00}, which directly contradicts the written settlement I have from them. 

Both companies are blaming each other, and neither is updating the credit bureaus to reflect the correct settlement balance or payments Ive made. This is damaging my credit, keeping my utilization at 88 %, and slowing down my financial progress. I have proof of the settlement and payment transactions. Im just asking for my credit file to be corrected to reflect the truth.

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 2025-07-31 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: MS

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 explanation
Consumer complaint received 2025-07-31 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 a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to formally dispute several fraudulent accounts that have appeared on my credit report as a result of identity theft. This is my official statement about the crime. I have attached my personal identifying information, and I have also enclosed a copy of my official Identity Theft Report from the Federal Trade Commission ( FTC ), with FTC Report Number : XXXX. 

Pursuant to 15 U.S.C. 1681c-2, I am requesting that you block the reporting of any information related to the following fraudulent accounts immediately. This law explicitly states that a consumer reporting agency must block the reporting of information that a consumer identifies as resulting from identity theft, provided the consumer submits an identity theft report. 

The following accounts are not mine and were opened without my knowledge or authorization : XXXX XXXX  : Fraudulent Checking or Savings Account, discovered in XX/XX/year>. 


XXXXXXXX XXXX XXXX : Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$1000.00}. 


XXXXXXXX XXXX XXXX  : Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$770.00}. 


XXXX XXXX XXXX  Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$2200.00}. 


XXXX XXXX : Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$2800.00}. 


Fraudulent Information on Credit Reports : Yes, fraudulent accounts or charges appear on my credit report. 

I want to emphasize that under 15 U.S.C. 1681c-2, a police report is not required for this action. The FTC Identity Theft Report is sufficient for you to fulfill your legal obligation to block this information. 

I demand that you permanently block the reporting of this fraudulent information and delete these accounts from my credit file within four ( 4 ) business days of your receipt of this letter, as required by law. I also request that you send me written confirmation that these actions have been completed. 

Failure to comply with this request will be considered a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal remedies. 

Thank you for your prompt attention to this urgent matter. 

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 2025-07-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief