vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: AR

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
To Concerned Person, My name is XXXX XXXX, and I am a loyal customer with Fifth Third Bank for 7 years. I hope you can solve this dispute matter. 
On XX/XX/year> at XXXX, I used ATM machine deposited cash {$500.00} ( see attached ATM slip ), but because the technical issue my account was not shown this amount {$500.00}. 
On XX/XX/year> I called Dispute Department and filed a case. 
On XX/XX/year> You reversed {$100.00} from my account, and denied the total {$500.00}. 
On XX/XX/year> I went to bank, and banker helped me to re-open the case, and sent you the ATM deposit slip. 
On XX/XX/year> You denied the {$100.00} difference. 
Now, I will provide you more information and documents to inform you that I deposited cash {$500.00}. I dont accept the reason denied my case after your investigation. 
Evidence 1 : online banking details. On XX/XX/year> I had two payments paid out : 1 ) XXXX ; and 2 ) XXXX. And it showed I must deposit {$500.00} to avoid overdraft fee or return item fee. So I deposited {$500.00} to keep my account in good standing. 
Evidence 2 : XXXXXXXX XXXX ATM slip. I withdrawal {$500.00} cash on XX/XX/year> at XXXX. 
Evidence 3 : Fifth Third Bank ATM slip. Please see the amount shown on this slip is {$500.00}. 

Please let me know if you need more information. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: GA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unlawful credit reporting by XXXXMohela , now reflected across my credit reports. The negative account in question continued to report derogatory information during a known period of Borrower Defense application and Parent PLUS loan deferment, which directly violates FCRA 623 ( see attachment ). 

Despite the account being in a protected status, the servicer failed to update or suppress credit reporting appropriately. This occurred during or following a servicing transfer triggered by a known data breach, which compromised account integrity and communication. 

Moreover, the loan servicer XXXX has been a repeat offender in federal and multistate actions, including : XXXX CFPB lawsuit for systemic misreporting XXXX multistate settlement for deceptive loan practices Prior DOJ and FDIC actions for violations involving military borrowers These enforcement actions confirm a pattern of abuse and mishandling that aligns with my experience. As a result, I am requesting that the account be permanently deleted from all credit reports, not just late payments corrected, in accordance with my rights under the Fair Credit Reporting Act. 

This dispute is time-sensitive as I am in the process of a mortgage loan review. Inaccurate data is materially harming my ability to secure housing. 

Please ensure prompt handling and confirm any resolution in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
From XXXX to now ( XX/XX/XXXX ) my credit has over XXXX inquiries from unknown sources & my identity was leaked in multiple data breaches that have possibly been selling my information. I have over XXXX XXXX XXXX inquires. I have closed credit card accounts that I dont recognize & I also see multiple inquires from many other companies that I have not used or intended on using that are listed as inquires on my accounts.

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 2025-06-25 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: MI

Complaint narrative:
From XXXX to now ( XX/XX/XXXX ) my credit has over XXXX inquiries from unknown sources & my identity was leaked in multiple data breaches that have possibly been selling my information. I have over XXXX XXXX XXXX inquires. I have closed credit card accounts that I dont recognize & I also see multiple inquires from many other companies that I have not used or intended on using that are listed as inquires on my accounts.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
We were pressured into signing a home improvement loan at a 13.89 % APR through XXXX XXXX and Service Finance Company without clear disclosure of the long-term financial impact. We were not presented with any other financing options that would have better matched our financial situation. As a result, we are now locked into a 10-year repayment plan where the majority of our payments are going toward interest rather than reducing the principal. 

The XXXX XXXX consultant visited our home only once on the same day he inspected the HVAC system and presented the financing. We originally hired the company for routine maintenance based on our home inspection, which indicated the HVAC system was in functional condition. As first-time homeowners, we were not expecting a full system replacement. However, we were told that without replacing the system, we could face high utility bills. Feeling rushed and unprepared, we signed the agreement out of fear, based on the consultants claim that this was the most fair payment plan available. 

This loan structure and the way it was presented do not feel transparent, and we are seeking relief from what we believe to be an unfair financial agreement. 
This feels predatory and unfair.

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TFC Credit Corporation of California
State: CA

Complaint narrative:
TFC CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research TFC CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a case of misunderstanding or error on my partmy credit report contains clear inaccuracies that violate the obligation to maintain the highest possible level of accuracy. These discrepancies are not only incorrect, but they continue to cause me significant and ongoing harmpersonally, financially, and emotionallyin ways that are difficult to fully express. 
These are incredibly challenging times for me, and the continued presence of these inaccuracies is compounding that stress. It would truly be a profound reliefand a meaningful step toward restoring stability in my lifeif these errors were corrected or removed without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: SettlementOne Valuation, LLC
State: FL

Complaint narrative:
On XX/XX/25 i received a hard inquiry from credit techonology inc and I did not authorize that credit pull.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Fraudulent Reporting of Unverified XXXX  Debt Bureaus Enabling Illegal Furnishing This is no longer a simple consumer dispute. This is a documented instance of phantom debt reporting, platform negligence, and possible fraud. 
I have formally disputed a tradeline allegedly owned by XXXX XXXX XXXX, as the bureaus TransUnion, Equifax, and Experian are actively publishing on their platforms without any ownership verification. 

To date, I have received no documentation validating the debt only a vague, legally insufficient response from XXXX XXXX XXXX, claiming to manage the account, and naming XXXX XXXX XXXX XXXX as the current servicer. 
Thats now three separate companies involved in furnishing and collecting on the same disputed account yet none have provided proof of ownership, legal assignment, or a signed agreement. Despite this, one or more of these entities continues furnishing updates, and the credit bureaus are publishing them without confirming legal standing or data accuracy. 

I have notified the bureaus of this issue in writing. I have notified the CFPB. I have notified the NY Attorney General. Yet this account remains on my reports. 
Let me be clear : The credit bureaus are now knowingly publishing account information from unverified third parties with no proven legal right to report. That is not just a violation of FCRA 607 ( b ) it is a breakdown of the lawful credit reporting system. If a debt buyer can not prove ownership, no party has a right to report it, and the platforms hosting that data are complicit. 

I intend to pursue this matter to the fullest extent of the law, including reporting to the FTC, Department of Justice, and pursuing legal action under FCRA 616 and 617. Any entity that participates in the collection or publication of this phantom debt will be held fully accountable including furnishers ( XXXX, XXXX XXXX XXXX  ) and the bureaus themselves ( Equifax, Experian, and TransUnion ). 
I am not requesting a correction. I am demanding the immediate and permanent deletion of this tradeline from all consumer credit bureaus and a formal investigation into how unverifiable data is allowed to reach consumer credit files.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Fraudulent Reporting of Unverified XXXX  Debt Bureaus Enabling Illegal Furnishing This is no longer a simple consumer dispute. This is a documented instance of phantom debt reporting, platform negligence, and possible fraud. 
I have formally disputed a tradeline allegedly owned by XXXX XXXX XXXX, as the bureaus TransUnion, Equifax, and Experian are actively publishing on their platforms without any ownership verification. 

To date, I have received no documentation validating the debt only a vague, legally insufficient response from XXXX XXXX XXXX, claiming to manage the account, and naming XXXX XXXX XXXX XXXX as the current servicer. 
Thats now three separate companies involved in furnishing and collecting on the same disputed account yet none have provided proof of ownership, legal assignment, or a signed agreement. Despite this, one or more of these entities continues furnishing updates, and the credit bureaus are publishing them without confirming legal standing or data accuracy. 

I have notified the bureaus of this issue in writing. I have notified the CFPB. I have notified the NY Attorney General. Yet this account remains on my reports. 
Let me be clear : The credit bureaus are now knowingly publishing account information from unverified third parties with no proven legal right to report. That is not just a violation of FCRA 607 ( b ) it is a breakdown of the lawful credit reporting system. If a debt buyer can not prove ownership, no party has a right to report it, and the platforms hosting that data are complicit. 

I intend to pursue this matter to the fullest extent of the law, including reporting to the FTC, Department of Justice, and pursuing legal action under FCRA 616 and 617. Any entity that participates in the collection or publication of this phantom debt will be held fully accountable including furnishers ( XXXX, XXXX XXXX XXXX  ) and the bureaus themselves ( Equifax, Experian, and TransUnion ). 
I am not requesting a correction. I am demanding the immediate and permanent deletion of this tradeline from all consumer credit bureaus and a formal investigation into how unverifiable data is allowed to reach consumer credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

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 2025-06-24 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:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report.

I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX, XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

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