vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I withdrew a college XXXX plan. I paid {$15.00} to expedite the check. I deposited the check through the ATM on XX/XX/year>. I messaged the bank to see when the deposit will clear and I was told that the check was on hold until XX/XX/year>. All of my items will be returned and I will get overdraft fees. The reason for the check hold is " confidential information that check may not be paid. '' I asked if I can send in something to show that this check came from XXXX  XXXX plan that I withdrew and that I even paid for it to be expedited. They said no. I told them that I am going to get return fees, late fees, and other penalties. Is someone can prove where the check comes from, why can't they go off a reliable source. Yet, they do not disclose the " Confidential information. '' In addition, XXXX is apart of the XXXX  XXXX plan. This is not something they are unaware of. They are based out of Ohio and also has funds for the XXXX  XXXX. 

This is a scam because my money is low. I am going to be penalized a lot, and they don't even attempt to help! We all know that a bank can see a successful transfer in less than 10 days. 

The letter says that the " hold was done to protect you from financial harm '' Yet, the hold puts me in financial harm. 

I never have this issue. My account was overdrawn and I forgot to move money. This is the reason I feel they are holding it. XXXX  XXXX is very popular here in Ohio so they are familiar with these checks. If they do not hold all of these checks for 10 days, then why this one?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX  - Opened XXXX XXXX XXXX with a balance of {$920.00} XXXX XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX with a balance of {$0.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
A federal court issued an injunction preventing the US department of Education from Implementing Save and IDR plans under various programs including PSLF. My account was placed into forbearance initially with XXXX when the injunction occurred and then with XXXX XXXX on the basis of this ongoing litigation. However, I have received several late payments on my credit report without any notification my accounts were being removed from forbearance nor did I receive a notification of incoming bill. This forbearance is said to last until this matter is settled. The injunction is still in place as of XX/XX/year>. I am requesting the no payments/late payments be removed on the basis listed.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A federal court issued an injunction preventing the XXXX department of Education from Implementing Save and IDR plans under various programs including PSLF. My account was placed into forbearance initially with XXXX when the injunction occurred and then with XXXX XXXX on the basis of this ongoing litigation. However, I have received several late payments on my credit report without any notification my accounts were being removed from forbearance nor did I receive a notification of incoming bill. This forbearance is said to last until this matter is settled. The injunction is still in place as of XX/XX/year>. I am requesting the no payments/late payments be removed on the basis listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A federal court issued an injunction preventing the XXXX department of Education from Implementing Save and IDR plans under various programs including PSLF. My account was placed into forbearance initially with XXXX when the injunction occurred and then with XXXX XXXX on the basis of this ongoing litigation. However, I have received several late payments on my credit report without any notification my accounts were being removed from forbearance nor did I receive a notification of incoming bill. This forbearance is said to last until this matter is settled. The injunction is still in place as of XX/XX/year>. I am requesting the no payments/late payments be removed on the basis listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request the immediate and permanent removal of the following accounts from my credit report, as they are adversely affecting my life and financial well-being As per Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts removed from my credit report. These accounts do not comply with the reporting guidelines outlined under this section, and their continued presence is causing significant harm to my financial stability and personal life.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request the immediate and permanent removal of the following accounts from my credit report, as they are adversely affecting my life and financial well-being As per Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts removed from my credit report. These accounts do not comply with the reporting guidelines outlined under this section, and their continued presence is causing significant harm to my financial stability and personal life.

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 2025-03-02 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: NC

Complaint narrative:
Transunion is reporting inaccurate and untimely reporting of my avant credit card account. This account payment is due on the first of each month and then reported to the credit agencies by the XXXX of each month and has been the case for the entire time. The current balance is {$290.00} and was paid on the XXXX of XXXX XXXX and should reflect new balance and payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 





XXXX. Unauthorized Inquiry - Creditor Name : XXXXXXXX XXXX  - Date of Inquiry : XX/XX/year> - Requested Action : Remove the inquiry.

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 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 





XXXX. Unauthorized Inquiry - Creditor Name : XXXXXXXX XXXX  - Date of Inquiry : XX/XX/year> - Requested Action : Remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
The attached American Express account appears on my credit profile but I do not have any account with them under this account number and when requested investigation from the credit bureaus they could not validate the account but it still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 

XXXX. Unauthorized Inquiry - Creditor Name : XXXX XXXX XXXXXXXX - Date of Inquiry : XX/XX/year> - Requested Action : Remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I requested documentation of the contract agreement of debt owed. Company did not respond within 30 days to show proof of contract. No supporting documentation has been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX Sec XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) 15 USC XXXX 15 USC XXXXi XXXX XXXX XXXX XXXX XXXX XXXXc 15 usc XXXXe ( b ) 15 usc XXXX ( A ) UCC XXXX Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. XXXXi ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out XXXX now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Creditonebnk Date Opened XX/XX/XXXX Balance {$130.00} **These accounts are past statue of reporting!! ** XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2025

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 2025-03-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint against XXXX XXXX for failing to properly update my student loan account in accordance with federal laws and regulations. 
XXXXViolation of XXXX ( XXXX XXXX. XXXX ( b ) ) : My student loan account is considered part of my educational records, which are protected under the Family Educational Rights and Privacy Act ( XXXX ). This company has engaged in unauthorized disclosure and trading of my personal and financial information without my consent. They have also securitized my student loan and attached a XXXX number to my account, which has not been disclosed to me. 
XXXX Form XXXX Confirms Loan Discharge : I have an IRS Form XXXX issued by XXXX XXXX XXXX, confirming that this debt has been forgiven and discharged in accordance with IRS regulations ( XXXX XXXX CXXXXe XXXX ( a XXXX ( XXXX ) and XXXX XXXX XXXX ). Despite this, the company continues to misreport the account status instead of marking it as paid as agreed. 
XXXXSecuritization & Trading of My Loan Without Consent : The company has filed securities exchange documents related to this loan, proving that they have been trading my personal information as a security. Under 15 U.S. CXXXXe XXXXe ( XXXX ) ( A ) ( False Representation of the Character, Amount, or Legal Status of a Debt ), this is deceptive and misleading. 
XXXXFCRA & Consumer Rights Violations : The company is failing to accurately report the account to credit bureaus and is engaging in unfair and deceptive practices by refusing to update my account status to paid as agreed, despite legal proof that the debt has been satisfied. 

XXXX Requested : I demand that XXXX XXXX : Immediately update my account status to paid as agreed in all their records and with all credit reporting agencies. 
Provide full disclosure of all securitization transactions related to my student loan, including XXXX documentation and any associated securities filings. 
Cease any further collection actions and confirm that the account is correctly updated in writing within XXXX business days. 

Supporting Documents : Copy of IRS Form XXXX issued by XXXX XXXX XXXX 
Documentation proving securitization ( XXXX attached to the loan ). 
Any past correspondence with the company regarding this matter. 

Failure to comply with this request will result in further legal action and complaints to the XXXX, FTC, and the XXXX XXXX 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 explanation
Consumer complaint received 2025-03-02 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: IN

Complaint narrative:
I am filing this complaint against XXXX XXXX for failing to properly update my student loan account in accordance with federal laws and regulations. 
XXXXViolation of XXXX ( XXXX XXXX. XXXX ( b ) ) : My student loan account is considered part of my educational records, which are protected under the Family Educational Rights and Privacy Act ( XXXX ). This company has engaged in unauthorized disclosure and trading of my personal and financial information without my consent. They have also securitized my student loan and attached a XXXX number to my account, which has not been disclosed to me. 
XXXXIRS Form XXXX Confirms Loan Discharge : I have an IRS Form XXXX issued by XXXX XXXX XXXX, confirming that this debt has been forgiven and discharged in accordance with IRS regulations ( XXXX XXXX Code XXXX ( a XXXX ( XXXX ) and XXXX XXXX XXXX ). Despite this, the company continues to misreport the account status instead of marking it as paid as agreed. 
3.Securitization & Trading of My Loan Without Consent : The company has filed securities exchange documents related to this loan, proving that they have been trading my personal information as a security. Under 15 U.S. CXXXXe XXXXe ( XXXX ) ( A ) ( False Representation of the Character, Amount, or Legal Status of a Debt ), this is deceptive and misleading. 
XXXXXXXX & Consumer Rights Violations : The company is failing to accurately report the account to credit bureaus and is engaging in unfair and deceptive practices by refusing to update my account status to paid as agreed, despite legal proof that the debt has been satisfied. 

XXXX Requested : I demand that XXXX XXXX XXXX XXXXmmediately update my account status to paid as agreed in all their records and with all credit reporting agencies. 
Provide full disclosure of all securitization transactions related to my student loan, including XXXX documentation and any associated securities filings. 
Cease any further collection actions and confirm that the account is correctly updated in writing within XXXX business days. 

Supporting Documents : Copy of IRS Form XXXX issued by XXXX XXXX XXXX 
Documentation proving securitization ( CUSIP attached to the loan ). 
Any past correspondence with the company regarding this matter. 

Failure to comply with this request will result in further legal action and complaints to the XXXX, FTC, and the Department of Educations XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief