vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX # XXXX XX/XX/XXXX -- $ XXXX XXXX  # XXXX XX/XX/XXXX -- $ XXXX XXXX  XXXX B # XXXX XX/XX/XXXX -- $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- $ XXXX XXXX  # XXXX XX/XX/XXXX -- $ XXXX XXXX  # XXXX XX/XX/XXXX -- {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint because a fraudulent check was deposited into my Fifth Third Bank account in either XXXX or XXXX without my knowledge that the check was fake, and I am now being unfairly reported by either Fifth Third Bank, XXXX XXXX XXXX XXXX XXXX XXXX, or another agency as if I committed fraud which is false and damaging. 

I did not knowingly deposit a bad or counterfeit check. I was unaware that it was fraudulent at the time. I received no proper investigation, warning, or due process, yet I am still being punished for fraud I did not commit. 

I am now being denied the ability to open checking accounts, obtain financial services, or rebuild my credit due to this outdated, false reporting. I have recently learned this negative entry still exists, over 6 years later, and I am requesting immediate action. 

Under FCRA Section 605B, the Fair Credit Reporting Act, and Regulation E, I have the legal right to dispute and block all fraudulent and inaccurate information, especially when there is no proof of intentional wrongdoing or benefit.

Although I have not submitted a dispute directly to the bank or XXXX I am escalating this issue immediately to the CFPB due to the age of the case, the severe impact on my life, and the banks failure to alert or support me during or after the incident. 

There is no basis for this reporting to continue. I was not charged or convicted of fraud. There was no trial, no legal judgment, and no formal hearing. This ongoing reporting is a violation of my rights and constitutes negligent investigation, unfair treatment, and failure to protect consumers under federal regulation. 

I am requesting that the CFPB force the removal of any and all negative entries related to this fraudulent check deposit from XXXX, and hold Fifth Third Bank and/or XXXX XXXX XXXXXXXX accountable for failing to follow proper dispute and consumer remediation procedures.

I am attaching documentation and respectfully request a full investigation and deletion of this record from any consumer reporting databases, including XXXX XXXX, and/or credit bureaus if applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
XXXX paid something or some pretending to be with XXXX XXXX dollars from my bank account I ask them how could this happen because my card was locked and I had that account blocked and they responded back with closing my account. At that time I couldn't complain to my bank because it was mobile banking and they were closing.and also XXXX i had left my other phone company because they promised me alot of thing including a free phone after I because a costumer i found out they was charging for the phones and other services that I didn't want and someother scams like over charging me lying to me not repaying me for services that I had no knowledge of and I didn't even received the phone I ordered .and I got insurance and protection to find out they didn't protect anything and the insurance company wouldn't cover my damaged phone they said I can buy another ( free phone or I mean finance one ) it's been two years of the three years I been dealing with this company. And last but not least XXXX  I was paying my bill every month on time or early because my paydays came before my bill was do I was still getting harassed by phone calls and letters every day about paying my bill they would also hang up on me when i.would answer I had a land line that would show who was calling me I was on a set plan with them and my bill kept going up an me I ordered a cell phone with them that was the wrong one that I wanted and I closed it and was charged XXXX dollars that now in my credit file.and they want remove it they also charged me for there equipment that someone from there company picked up and said I never returned it and was charged for it i spoke with two of there managers and was told that they found the equipment and I went three stores to talk to them and they told me anywhere from it's in the mail to other things that threw me off I don't no how to load documents on here but I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
Dear XXXX Madam, On XX/XX/year> I called XXXX XXXXXXXX XXXX XXXX  and requested them to help me understand unauthorized XXXX XXXX XXXX  details and upon conversation the Customer support team advised me that there was an error and a mistake on the XXXX XXXX credit cared statement and I need not pay the balance, additionally he said that he has already put a note that there is an error on the Credit card statement. Post which the reversal of the payment was reinstated, I reached out to the XXXX more than XXXX times by phone, chat and email, I did not receive any clear justification on the charge, rather I was put on hold for multiple hours, disconnected and not respected. As I was not clear of the charges and started questioning the statement as a fraud or an event of stolen Identity, XXXX posted a negative remark on my Credit Score, I wrote to all the XXXX Bureaus, and they advised me to reach out to XXXX who are now not co-operating and have not responded to my emails. I used to get multiple missed calls and XXXX calls from XXXX harassing me to pay the balances and when I called them they used to put me in long Holds and disconnect the calls. The whole XXXX has been mentally and emotionally stressful and difficult. 

I will be attaching the details of the same in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
Dear XXXX Madam, On XX/XX/year> I called XXXX XXXXXXXX XXXX XXXX and requested them to help me understand unauthorized XXXX XXXX XXXX details and upon conversation the Customer support team advised me that there was an error and a mistake on the XXXX XXXX credit cared statement and I need not pay the balance, additionally he said that he has already put a note that there is an error on the Credit card statement. Post which the reversal of the payment was reinstated, I reached out to the XXXX more than XXXX times by phone, chat and email, I did not receive any clear justification on the charge, rather I was put on hold for multiple hours, disconnected and not respected. As I was not clear of the charges and started questioning the statement as a fraud or an event of stolen Identity, XXXX posted a negative remark on my Credit Score, I wrote to all the XXXX Bureaus, and they advised me to reach out to XXXX who are now not co-operating and have not responded to my emails. I used to get multiple missed calls and Automated calls from XXXX harassing me to pay the balances and when I called them they used to put me in long Holds and disconnect the calls. The whole Order has been mentally and emotionally stressful and difficult. 

I will be attaching the details of the same in the complaint.

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 2025-05-12 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:
Dear Sir/ Madam, On XX/XX/year> I called XXXX XXXX XXXX XXXX and requested them to help me understand unauthorized XXXX XXXX XXXX details and upon conversation the Customer support team advised me that there was an error and a mistake on the XXXX XXXX credit cared statement and I need not pay the balance, additionally he said that he has already put a note that there is an error on the Credit card statement. Post which the reversal of the payment was reinstated, I reached out to the XXXX more than XXXX times by phone, chat and email, I did not receive any clear justification on the charge, rather I was put on hold for multiple hours, disconnected and not respected. As I was not clear of the charges and started questioning the statement as a fraud or an event of stolen Identity, XXXX posted a negative remark on my Credit Score, I wrote to all the XXXX Bureaus, and they advised me to reach out to XXXX who are now not co-operating and have not responded to my emails. I used to get multiple missed calls and Automated calls from XXXX harassing me to pay the balances and when I called them they used to put me in long Holds and disconnect the calls. The whole Order has been mentally and emotionally stressful and difficult. 

I will be attaching the details of the same in the complaint.

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 2025-05-12 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: TX

Complaint narrative:
This account was charge off on the following date ( XXXX XXXX ) since then the account repeatedly have been updated as a charge off every month. This is an update on the payment history. A charge job should not be included in active payment history. This inaccurate information falsely manipulates the status of limitations. You fail to investigate this account properly and your neglect has violated my rights. I am demanding the deletion of this account. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-12 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:
This account was charge off on the following date ( XXXX XXXX ) since then the account repeatedly have been updated as a charge off every month. This is an update on the payment history. A charge job should not be included in active payment history. This inaccurate information falsely manipulates the status of limitations. You fail to investigate this account properly and your neglect has violated my rights. I am demanding the deletion of this account. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
For months I have been attempting to change repayment plans. I have been experiencing 3 hour wait times to speak with an agent/credit specialist. I have placed my number on call back lists and never been called back. I was told by an agent, submissions for repayment plans can take 90 days to process and never received an answer. My account is now 90 days delinquent despite being told it is forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
Formal Dispute and Debt Validation Request under the FDCPA Cease All Collection Activity Immediately To Whom It May Concern : This letter is a formal dispute of the alleged debt referenced in your communication to me. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I am exercising my legal right to dispute this debt in full and to request comprehensive validation and verification of the alleged account. 

You are hereby notified of the following : You must cease all collection activities until full validation of this alleged debt is provided. Any further attempt to collect without proper validation will be reported as a direct violation of the FDCPA, and I will not hesitate to take legal action. 

Provide all of the following within 30 days of receipt of this letter : A complete itemization of the alleged debt. 

A copy of the original contract bearing my signature. 

Full documentation showing you have legal standing and assignment to collect this alleged debt. 

The name and address of the original creditor. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A detailed payment history showing exactly how the amount claimed was calculated. 

Proof that you are licensed to collect debts in my state. 

Be advised, under 15 U.S.C. 1692e and 1692f, any deceptive, unfair, or abusive attempt to collect this alleged debt, including reporting unverifiable information to credit bureaus, will be met with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office.

You are further notified that you do not have my consent to contact me by phone, and any further attempts to do so will be considered harassment and a violation of 15 U.S.C. 1692d. 

Failure to comply with these legal obligations will result in all available legal remedies being pursued to protect my rights, including but not limited to, civil action for statutory damages, injunctive relief, and attorneys fees.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX  XX/XX/XXXX -- {$200.00} XXXX XXXX  XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-12 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:
On or around XX/XX/XXXX, I submitted a dispute through Experian regarding two charge-off accounts ( XXXX and XXXX ). I did not dispute my XXXX authorized user account, which had a perfect payment history dating back to XXXX. 

However, on XX/XX/XXXX, I noticed that my positive authorized user account had been removed from my Experian report without any explanation. This account had no delinquencies and significantly supported my credit history length. 

I never received a notice about this change, nor did I dispute that account. I believe Experian removed it in error during their investigation of unrelated accounts. 

I contacted them to request clarification and re-addition of the positive account, but they did not provide a sufficient response or resolution.

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 2025-05-12 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: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission.please remove this negative item Thank you

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Experian and to Equifax Subject : Request for Documentation Under 15 U.S.C. 1681i Regarding Disputed AccountsTo Whom It May Concern, I am writng to formally request, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, a detailed description of the procedures used during the reinvestigation of the following disputed acounts on my credit report:1. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Account # : XXXX. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Account XXXX XXXX the FCRA, I am entitled to : A description of the reinvestigation procedures used concerning my disputes. 
The name, address, and telephone number of any furnisher of information contacted during the reinvestigation. 
A copy of all documents, records, or other information that were part of the reinvestigation process. 
Please provide the above information for each of the accounts listed. If any information canot be provided, kindly specify the reason and the legal basis for the denial.I appreciate your prompt atention to this matter and expect a response within the XXXX period as stipulated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I am filing a complaint against OppLoans ( Opportunity Financial , LLC ) and its banking partner XXXXXXXX XXXX for issuing a loan that I believe to be predatory and in violation of Virginias consumer protection and usury laws.

I received a loan with an APR of 159.56 %, which is extraordinarily high and far exceeds Virginias legal cap of 12 % for consumer loans. This kind of excessive interest is damaging and exploitative, especially considering the vulnerable position I was in when I took out the loan. I now understand that this may be part of a rent-a-bank scheme, where OppLoans uses XXXXXXXX XXXX ( a Utah-chartered bank XXXX to issue loans that evade state interest rate caps. 

Here are the details of the loan : Loan Effective Date : XX/XX/year> Lender Information : Lender : XXXXXXXX XXXX  ( Issued through Opportunity Financial , LLC ) Lender Address : XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Loan Terms as Disclosed in Federal Truth-in-Lending Disclosure : Annual Percentage Rate ( APR ) : 159.56 % Finance Charge : {$5600.00} Amount Financed : {$3500.00} Total of Payments : {$9100.00} At the time, I was in financial distress and accepted the loan without fully understanding the long-term consequences of such a high APR. I have since learned that this may violate Virginia law and may not comply with federal guidelines regarding fair lending.

Please investigate this lender and their practices. I am seeking guidance on any available remedies, and I am willing to provide supporting documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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