vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I have been the victim of identity theft, which has seriously affected my life. Unscrupulous individuals have used my personal information without my consent to open accounts and initiate fraudulent inquiries that I never authorized. This situation has caused me enormous emotional distress and put my financial stability at serious risk. I urgently request the immediate blocking and deletion of all accounts that do not belong to me, which are listed below : DISCOVERBANK - CREDIT CARD - DATE OPENED : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I reviewed my credit report and noticed a few inquiries that I did not authorize.

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 2025-07-16 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been dealing with TransUnion since supervisor admitted on phone in early XXXX XXXX XXXX. Then now XXXX, spoke with XXXX, XXXX, XXXX, and etc. Over and over told my report either was special, of handle by a dept that does not take calls. The calls resulted to say nothing can be done unless I pay and made fun of by people. I try to inform them even when I pay for a fee membership on another third party I get told the numeric number should be updated by now. Other sites show a number and says it need to be updated since collections have been removed and I have proof from original creditors it has been deleted/removed. And shows the accounts were longer than XXXX years ago during XXXX also. Then I get told my verification be needed after I sent it XXXX years ago, then on previous reports also where TransUnion admitted they deleted the accounts and got the proof from XXXX companies to show the accounts should be deleted and not on my 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
FCRA Violation Contradictory and Inaccurate Reporting of Charged-Off Account Wells Fargo is reporting a charged-off credit card account with a balance of {$2100.00}, which they claim is still collectible. However, their internal correspondence dated XX/XX/year>, includes multiple contradictions and admissions that raise serious concerns about the accuracy and legality of this reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681e ( b ) ). 

They state : We noticed some inconsistencies with how the account was being reported by the consumer reporting agencies. We provide the same account information to each of the consumer reporting agencies We have submitted an update to ensure this account is reflecting the same information with all the consumer reporting agencies. 

Yet in the same letter, they also claim : We are unable to update the credit reporting. Therefore, we are unable to remove this account These contradictory claims reflect a clear breakdown in their compliance obligations. If they acknowledge inconsistencies across the bureaus and claim to have submitted corrections, they are admitting that inaccurate data was being furnished. 

Specific Concerns : No 1099-C cancellation of debt form was issued, despite the account being charged off and non-accruing.

Balance continues to be reported with no proof of assignment, ownership, or full validation of debt. 
Their statement that the account is still collectible contradicts their own admission that interest and fees are no longer accruing. 
Wells Fargo has failed to explain or resolve the internal contradictions in their statements. 

This failure to maintain consistent and verifiable information across credit bureaus and their own internal communications violates their duty to ensure maximum possible accuracy under the FCRA. 

Requested Resolution : Delete the account from all consumer reports due to materially conflicting and unverifiable information. 
Prevent future re-reporting unless Wells Fargo can demonstrate ownership, validate the full balance, and issue proper tax documentation. 
Submit written confirmation that the reporting has ceased and will not resume under conflicting terms. 
If no 1099-C is issued and this balance continues to be reported as collectible while no interest accrues, we will be forced to report this as tax evasion to the IRS under Form 3949-A.

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 2025-07-16 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: CO

Complaint narrative:
I recently tried to get a pre approval loan as i was trying to purchase a car, i turned XXXX just this year and just recently opened my own credit card to begin building my credit, when i was trying to get a loan for a pre approval i couldnt get one, each one kept saying i had high usage on credit cards. I had no prior knowledge to this, these credit cards were made when i was XXXX and i had no knowledge or consent of any of it, i only found out about these credit cards due to the fact that i was getting denied. i dont know how these were made as i never created these, but now they are affecting my credit, please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX  XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-07-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary. 
XXXX XXXX * Balance : {$0.00} Late XXXX Days XXXX XXXX XXXX * * * * * * * * * * * * Balance : {$2400.00} XXXX XXXX XXXX * * * * * * * * * * * * Balance : {$4100.00}

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 explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary. 
XXXX XXXX * Balance : {$0.00} Late XXXX Days XXXX XXXX XXXX * * * * * * * * * * * * Balance : {$2400.00} XXXX XXXX XXXX * * * * * * * * * * * * Balance : {$4100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I am a victim of identity theft. My credit report includes fraudulent accounts that were opened without my knowledge or consent and were later reinserted after a prior dispute and deletion without proper notification or compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, the following accounts were fraudulently opened and are now improperly reflected on my credit report : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXXXXXX XXXX XXXX Account No. XXXX These accounts were : Not opened by me Previously disputed or deleted Reinserted without notifying me in writing within 5 business days, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The consumer reporting agencies have not fulfilled their legal obligations under the FCRA, which require that : 1. I be notified in writing of any reinsertion within 5 business days ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

2. The furnisher of the reinserted data be identified by name, address, and phone number.

3. Reinserted data only be allowed if certified as accurate by the furnisher ( FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) ).

Additionally, the accounts are fraudulent and were created as part of identity theft, as documented in my official FTC Identity Theft Report ( Report Number : XXXX ) dated XX/XX/year>. 



Fair Resolution Requested : 1. Immediate and permanent deletion of the above accounts from all credit reporting agency files.

2. A written explanation of how and why these accounts were reinserted, if applicable.

3. The name, address, and phone number of each furnisher who allegedly verified the account ( s ).

4. Written confirmation that no reinsertion will occur unless all FCRA reinsertion provisions are fully met.

5. Restoration of my credit profile and scores, and correction of any damage caused by the reinsertion.

6. Regulatory enforcement of all violations of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681n, and 1681o due to : Failure to notify me within the required timeframe Willful and/or negligent failure to comply with reinsertion and investigation procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am a victim of identity theft. My credit report includes fraudulent accounts that were opened without my knowledge or consent and were later reinserted after a prior dispute and deletion without proper notification or compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, the following accounts were fraudulently opened and are now improperly reflected on my credit report : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXXXXXX XXXX XXXX Account No. XXXX These accounts were : Not opened by me Previously disputed or deleted Reinserted without notifying me in writing within 5 business days, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The consumer reporting agencies have not fulfilled their legal obligations under the FCRA, which require that : 1. I be notified in writing of any reinsertion within 5 business days ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

2. The furnisher of the reinserted data be identified by name, address, and phone number.

3. Reinserted data only be allowed if certified as accurate by the furnisher ( FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) ).

Additionally, the accounts are fraudulent and were created as part of identity theft, as documented in my official FTC Identity Theft Report ( Report Number : XXXX ) dated XX/XX/year>. 



Fair Resolution Requested : 1. Immediate and permanent deletion of the above accounts from all credit reporting agency files.

2. A written explanation of how and why these accounts were reinserted, if applicable.

3. The name, address, and phone number of each furnisher who allegedly verified the account ( s ).

4. Written confirmation that no reinsertion will occur unless all FCRA reinsertion provisions are fully met.

5. Restoration of my credit profile and scores, and correction of any damage caused by the reinsertion.

6. Regulatory enforcement of all violations of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681n, and 1681o due to : Failure to notify me within the required timeframe Willful and/or negligent failure to comply with reinsertion and investigation procedures

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I refinanced my vehicle loan. I was using OneMain financial as a lender. When I refinanced my house, they paid off the car loan. OneMain called, texted and sent emails constantly, harassing about my vehicle payment when they were well aware the payoff check was on its way. On XX/XX/XXXX, I got a notice that they marked my account as late. When I checked the app, AFTER they told me they never received the check, to where my bank had to cancel and resend another. I noticed they did get their check on XX/XX/XXXX. XXXX now left with a large balance after theyve received their payoff check and cashed the XXXX XXXX. I dont think this is right. Again they harassed and acted like I was lying to them that the bank was paying this loan off. XXXX XXXX at OneMain in XXXX, KY acted like they never received the first check even after I read her the email and text I had received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX Auto Financing - openend on XX/XX/XXXX XXXX XXXX Financing- openend on XX/XX/XXXXXXXX XXXX XXXX-Personal Loan-openend on XX/XX/XXXXXXXX XXXX XXXX XXXX-Collection- openend on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -Collection- openend on XX/XX/XXXXXXXX  - Account Number : XXXXXXXX XXXX -Collection- openend on XX/XX/XXXX, XXXX Account Number : XXXX These items were added to my credit report without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: Chime Financial Inc
State: CA

Complaint narrative:
On Tuesday XX/XX/XXXX a transaction was made to my account and {$50.00} it was not supposed to go to this account that was an error on our fault for it not to be transferred to this account but I activated all the safety features that stopped the function from transferring from the security account to the credit builder account which was overdrafted by XXXX which the credit builder auto pay was turned off and should not have transferred the money but when it was transferred into the secured account the auto pay feature transferred into the credit builder account and was deducted it was not meant to go to this account in the first place and I turned on all the safety features that the company implemented to prevent it from happening it's still override it all the safety features deducting the {$50.00} and was unable to send it back to the original sender when I called to file a report about it he said there was no way to reverse the transaction and that the money is already gone he was unwilling to and said there was no way to file a complaint or to speak to a XXXX because of the transaction the family in need are unable to feed themselves and provide themselves the necessities

Company response to consumer: Closed with explanation