vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-05 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: SC

Complaint narrative:
Inaccurate information being reported. Please remove from my credit report. Credit reporting agencies information does not match. Request for this account to be verified! Balance does not match, date opened does not match

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX Email : XXXX XX/XX/year> Office of the Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Against Discover Bank Mishandled {$1000.00} XXXX Transfer To Whom It May Concern : My name is XXXX XXXX XXXX. I am submitting this complaint regarding Discover Banks handling of a {$1000.00} XXXX transfer and the banks failure to correct an error that has caused me financial and emotional distress.

I am a Discover Bank customer and used XXXX through Discover to send a payment of {$1000.00}. Discovers system showed the XXXX transfer as completed, but the intended recipient never received the funds, and the money has not been returned to my account. When I contacted Discover, I was told there was a " glitch '' and that their system showed different phone numbers for me. I was then repeatedly given conflicting explanations and told to contact other parties instead of Discover taking responsibility.

Discover representatives directed me to contact XXXX  XXXX XXXX, even though my XXXX XXXX XXXXXXXX account was closed more than ten years ago. XXXX XXXX XXXX confirmed that the account is closed and that they do not have my missing funds. 
I also contacted XXXX, and they informed me that they only process transactions as instructed by the bank and that Discover Bank must resolve the issue and locate or reimburse the missing funds. 
I have spent considerable time calling and following up with Discover Bank, XXXX  XXXX XXXX, and XXXX. Despite my efforts and clear explanations that the funds never reached the intended recipient or returned to my account, Discover has not provided a satisfactory investigation, written explanation, or reimbursement. I remain out the full {$1000.00}, through no fault of my own. 
I believe Discover Bank has mishandled my XXXX transfer, failed to safeguard my funds, and failed to provide fair and timely resolution after I reported the problem. I am asking the Office of the Comptroller of the Currencys Customer Assistance Group to review this matter and to require Discover Bank to:1 ) Conduct a thorough investigation into the missing {$1000.00} XXXX transfer ; 2 ) Provide a clear written explanation of what happened to my funds ; and 3 ) Credit my account with the {$1000.00} ( and any related fees ), or otherwise make me whole.

I am prepared to provide supporting documents, including screenshots of the XXXX confirmation, Discover Bank statements, and records of my contacts with Discover, XXXX XXXX XXXX, and XXXX. 
Thank you for your time and assistance in this serious matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
b'I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, \nafter reviewing the results of that investigation, I have determined that many of the reported issues remain \nunresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit \nhistory and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting \nthis third-round dispute pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., and \nformally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item \nwill be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy \nand integrity of my credit reportXXXX XXXX  Balance:  XXXX late 60 days XXXX XXXX Balance: XXXX XXXX XXXX  Balance:  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance:  XXXX XXXX Balance: XXXX XXXX Balance:BalanceXXXX XXXXXXXX XXXXBalance: XXXX XXXX XXXX  Balance:   XXXX XXXX  Balance:  XXXX XXXX  Balance:  XXXX XXXX Balance:  XXXX XXXX Balance:  XXXX XXXX Balance:  XXXX XXXX  Balance: XXXX XXXX  Balance:  XXXX late 90 days XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  Balance: XXXX XXXX Balance: XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
b'I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, \nafter reviewing the results of that investigation, I have determined that many of the reported issues remain \nunresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit \nhistory and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting \nthis third-round dispute pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., and \nformally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item \nwill be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy \nand integrity of my credit reportXXXX XXXX  Balance:  XXXX late 60 days XXXX XXXX Balance: XXXX XXXX XXXX  Balance:  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance:  XXXX XXXX Balance: XXXX XXXX Balance:BalanceXXXX XXXXXXXX XXXXBalance: XXXX XXXX XXXX  Balance:   XXXX XXXX  Balance:  XXXX XXXX  Balance:  XXXX XXXX Balance:  XXXX XXXX Balance:  XXXX XXXX Balance:  XXXX XXXX  Balance: XXXX XXXX  Balance:  XXXX late 90 days XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  Balance: XXXX XXXX Balance: XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-11-05 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXXVictim of Identity theft, FileD FTC REPORT  A copy of my FTC Identity Theft Report Reference number #XXXXFiled US postal service identity complaint as well. XXXXEquifax, XXXX XXXX XXXX failure to reinvestigate properly after providing my  FTC report reference number according to fair credit report act with proof of my FTC report identity theft accounts should be reinvestigated and deleted accordingly. Failure to do so from all credit reporting agencies with proof provided! Requesting identity block and removal of identity theft inquiries and collections. XXXXInquiries: -XXXX XXXX XXXX XXXX XXXX XXXXnot mine, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXnot mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXXXXXX  not mine XXXX XXXX XXXX XXXXnot mine XXXX XXXX XXXX XXXX  not mine XXXX XXXX XXXX XXXX XXXX XXXXnot mine XXXX XXXX XXXX XXXX XXXXnot mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXnot mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXnot mine, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXmine, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not mine, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnot mine'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-11-05 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: TX

Complaint narrative:
Confirm disputed accounts are eliminated promptly per legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-05 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I started at XXXX XXXX  in XX/XX/XXXX and my student loans were through XXXX XXXX. I received several notices within my junior year that loan providers are changing to navient and I started having mini issues. I reported in XXXX of XXXX that I believe someone was using my account at the university and I am 100 % positive they are now. I sent you a CF PB reports and provided at that time of year ago a letter from XXXX and my new loan provider XXXX  XXXX with a XXXX student loan balance due to an l navient fraudulent and bad handling of their students. 
Last year I attempted online classes for my senior semester and this stocker or profile number to was logging in and change my passwords the whole time and no one would tell me what was going on. He altered my life and made my GPA drop from a XXXX to a XXXX so I am no longer worthy to go to a university. I have not intended the university sense and the student loans are still currently being honored at XXXX. I locked into their system and for my student ID XXXX there is a profile number XXXX which is me and it son eligible to attend do to GPA and it profile number to which is going for a masters and has admin rights with special for images and is protected. I received an email yesterday that this semester is full term because this student is actually using my resources and I'm receiving alerts because of missed homework. I have sinned police reports and emails in bundles to this university and XXXX to stop this illegal activity and they both tonight at even happening. I don't understand why XXXX won't help me because this is a serious problem. when I started their in XXXX I was promised by the region police campus deputies that I would be safe after flame from a divorce in XXXX to XXXX  for safety. Instead someone came in under the guys of a private contractor and promise royalties if they would help him follow me. I found contracts that they want confidentiality and in return day would royalties in stock, not voting shares that they would receive a pawn my death. My xbox is been plotting my death for over decade and I don't know how he is giving illegal unknown access to my life and I need your help. I was just a salted in my apartment with XXXX broken into and a attempting kidnapping since I'm moved back to XXXX. The IRS sent a major fraud investigation please report to my ex spouses work and I believe he is well aware that I am on to him now. XXXX is even going to XXXX XXXX of changing alone dates and altering information in the computer system. As you see a year ago when I sent the loan information that I had my only loan providers were navient however they were now no longer active and mohello took over with a {$17000.00} credit do to this activity. It looks like now that just replied {$84000.00} in student loans to my social security number in I'm not even attending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regional acceptance refused to help when i had fallen behind on payments. The dealership sold me the vehicle without disclosing it was in an accident, this led to constant repairs which strained finances and caused me to fall behind. 

Was refused assistance by regional acceptance. 

After charging off the loan, they repossessed the vehicle and sent me improper notices a a notice to redeem or reinstate, did not credit me for XXXX XXXX, and did not iinclude disclosures as they should of, i sent a check for the redemption amount, which they cashed, and thenw as told that was an accounting error and was an incorrect amount. 

They sold the vehicle for significantly lower than it was worth, and shipped it o florida where it remained registered to me. i kept getting notifications for toll pass tickets for the vehicle.

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 2025-11-05 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: SC

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : 1. Account Name : DEPTEDXXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} 2. Account Name : DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$37000.00}

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 2025-11-05 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting to formally dispute inaccurate account information that appears on my credit report. Upon reviewing my report, I found several inaccuracies that do not reflect my true payment history and account status. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute this information and request a prompt reinvestigation. Pursuant to FCRA 623 ( a ) ( 2 ), the data furnisher has a duty to correct and update any inaccurate or incomplete information they have provided. Furthermore, under FCRA 623 ( b ), the furnisher is obligated to conduct an appropriate investigation once notified of my dispute by your office. Additionally, FCRA 602 emphasizes Congresss findings and purpose to require consumer reporting agencies to adopt reasonable procedures that ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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