vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: DISCOVER BANK
State: PA

Complaint narrative:
I am a victim of identity theft. XXXX Discover credit card accounts ( ending in XXXX and XXXX ) are being reported on my credit file, but I did not apply for or use them. 

I was not living in the United States at that time. I returned to the XXXX only on XX/XX/XXXX. These accounts were allegedly opened in XXXX and XXXX while I was outside the country, so I could not have been involved. 

I filed a police report and FTC XXXXdentity Theft Report. I contacted Discover and reported the fraud, but the company denied my claim and said I am responsible for these accounts. They also sent XXXX of the accounts to collections despite evidence of identity theft. 

This has already caused serious harm to my credit and I am very concerned that this continues without correction. 

I am requesting that CFPB require Discover to stop collection activity and remove these identity theft accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-04 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
XXXX  is reporting multiple fraudulent and unauthorized accounts on my credit file despite my identity theft documentation and sworn affidavits. These accounts were not opened by me, authorized by me, or connected to any legitimate financial activity I engaged in. I submitted formal disputes and provided proof under FCRA 609 ( a ) ( 1 ) and 605B, including my FTC Identity Theft Report and affidavits, yet Experian continued to report or verify these fraudulent accounts without providing any lawful method of verification.

XXXX  has failed to provide the required source and method of verification under FCRA 609, and has not blocked the fraudulent accounts under FCRA 605B as required by law when identity theft is reported. This failure has caused significant harm to my credit score, financial opportunities, and personal stability.

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 2025-12-04 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: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
IDENTITY THEFT REPORT ACCOUNTS NOT MINE I am submitting this Identity Theft Report because several accounts appearing on my credit file were not opened by me, were not authorized by me, and are the direct result of identity theft. I did not open, co-sign for, or benefit from these accounts in any way. I am requesting an immediate investigation and removal of all fraudulent accounts and inquiries. 
I first became aware of the identity theft when reviewing my credit report and noticed multiple accounts and/or inquiries that do not belong to me. These accounts were opened without my permission, using my personal identifying information. I am declaring under penalty of perjury that the information I am providing is true and accurate to the best of my knowledge. 

I have not authorized anyone to use my identity, my Social Security number, or any other personal information. Any accounts or inquiries not expressly opened by me should be considered fraudulent. 
This Identity Theft Report is being submitted for the purpose of correcting my credit file and notifying all involved financial institutions and credit agencies of the unauthorized activity. 
Fraudulent Accounts XXXX XXXX XXXX Opened XX/XX/XXXX Not mine Apple Card XXXX Goldman Sachs Bank USA Opened XX/XX/XXXX Not mine XXXX Card Opened XX/XX/XXXX Not mine XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Not mine Fraudulent Accounts XXXX XXXX XXXX Opened XX/XX/XXXX Not mine SyncB / XXXX XXXX Opened XX/XX/XXXX Not mine Reprise Financial Opened XX/XX/XXXX Not mine XXXX  Accounts ( ALL fraudulent ) : XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX Opened XX/XX/XXXX Not mine XXXX. XXXX  Opened XX/XX/XXXX Not mine ( multiple entries ) Fraudulent Accounts XXXX ( All XXXX  accounts below are fraudulent ) XXXX Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXX  Opened XX/XX/XXXX Not mine XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Not mine Fraudulent Accounts XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Not mine XXXX XXXX XXXX Opened XX/XX/XXXX Not mine XXXX XXXX XXXX Opened XX/XX/XXXX Not mine Fraudulent Accounts XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Not mine Unauthorized Hard Inquiries ( ALL must be removed ) ( List every creditor that pulled your credit without consent the FTC allows multiple unauthorized inquiries between XXXX. ) All hard inquiries from XXXX appearing on my credit report are unauthorized and must be removed. I did not apply for any new credit during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In reviewing my credit reports, I noticed that a charge-off was reported by the company that I believe is inaccurate and does not reflect the actual history of the account. I first became aware of the charge-off on my credit report around XX/XX/year>. The amount reported as charged off is {$24000.00}. 
Since noticing the issue, I have attempted to resolve the matter directly with the company. On XXXX XXXX, I contacted the company to request verification of the debt and clarification on why the account was reported as a charge-off. I did not receive sufficient documentation showing that the debt was valid, accurate, or being reported correctly. On XXXX XXXX, I followed up again and requested an investigation and correction if the information could not be verified. 
Despite these attempts, the company has continued reporting the account as a charge-off without providing verification of the amount, date of delinquency, or any records supporting the accuracy of the reporting. This has negatively affected my credit profile. 
I am requesting that the CFPB assist in having the company provide proper verification, correct any inaccurate reporting, or remove the charge-off from my credit reports if it can not be verified as required under the Fair Credit Reporting Act.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime bank denied my fraud claim even though my card was stolen and I did not authorize the transaction totaling {$750.00}. 

My debit card with Chime was stolen and an unauthorized transaction for approximately {$750.00} was made for a hotel booking through a XXXX-party website. I did not make this purchase, authorize it, benefit from it, or receive any services. 

I immediately disputed the charge with Chime, but they denied my claim and said the transaction was not fraudulent, without providing any evidence to support that decision. I asked chime for the merchant 's proof of authorization ( IP address, device ID, login details, or check in verification ) and they did not provide any. 

This appears to be a violation of Regulation E, which requires my bank to : conduct a reasonable investigation provide evidence supporting their decision correct unauthorized transactions when the consumer did not authorize them Chime closed my dispute without a proper investigation and without giving me any documentation showing the transaction was authorized by me. I did not receive any goods or services from this hotel booking. 

I am requesting the CFPB 's assistance to have Chime properly reinvestigate this unauthorized transaction and credit my account for the {$750.00} loss as required under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
The listing displayed offers an incomplete and inaccurate representation of my financial habits. I am asking for a formal examination of this information and the appropriate corrective measures.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-12-04 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: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-04 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-04 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-04 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: IL

Complaint narrative:
I do not recognize the inquiries listed, and they seem to have occurred without my approval. I request an investigation and removal if confirmed. Relevant supporting materials are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
I am disputing a late payment on my consumer report that is incorrect. The account has never been late, and the creditor provided no proof. This item must be corrected to paid as agreed and never late. This account was reported without my written consent, constitutes identity theft, and violates 15 U.S.C. 1681b ( permissible purpose ). Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), you are required to ensure accuracy and promptly delete or correct unverifiable information. I demand that this item be corrected or removed immediately. Continued failure to comply may result in legal action for damages.

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 2025-12-04 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: KEYCORP
State: TX

Complaint narrative:
KeyBank is reporting an account to XXXX under account number ending in XXXX with a balance of {$640.00}. I have disputed this information multiple times, and XXXX continues to state that it has been 'verified ' by KeyBank . However, KeyBank has not provided ANY documentation proving : - My signed account opening documents- Any itemized transaction history - Any proof of overdraft activity - Any evidence used to verify the accuracy of this information XXXX is reporting information furnished by KeyBank that has NOT been properly verified. This violates FCRA 623 and 607 ( b ). I have attempted to resolve this through both parties and have been denied legitimate verification. I am requesting the CFPB to investigate KeyBanks reporting practices and require them to either provide documented verification or delete this information from XXXX.

Company response to consumer: Closed with non-monetary relief