vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
Subject : FCRA Violation Complaint Regarding Identity Theft Dispute Handling To Whom It May Concern, I am filing this formal complaint to address Equifaxs failure to properly investigate and resolve fraudulent accounts on my consumer report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all required documentationincluding FTC Identity Theft Affidavit # XXXX filing a prior complaint with the CFPB ( # XXXX, filed on XX/XX/XXXX ), Equifax has failed to comply with FCRA 605B and has not disclosed the method of its investigation as required under FCRA 611 ( 15 U.S.C. 1681i ). 

Equifax supervisors informed me that my identity theft dispute was processed as a regular dispute due to a lack of page numbers on the affidavit. Nowhere in the FCRA is it stated that such formatting omissions invalidate a properly submitted Identity Theft Affidavit. This reasoning is baseless and reflects a policy that undermines consumers rights under federal law. 

Equifaxs assertion that its internal policies prevent the removal of these fraudulent items directly contradicts FCRA regulations, which mandate removal of fraudulent information upon proper documentation. The accounts in questionincluding collections, late payments, and charge-offsare the result of identity theft, as supported by my FTC Criminal Complaint and accompanying documents. 

I demand the immediate deletion of the following fraudulent student loan accounts within four ( 4 ) days of receipt of this complaint : Bureau : Equifax Type of Account : Student Loan Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Bureau : Equifax Type of Account : Student Loan Account Name : XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Failure to act in compliance with the FCRA may result in further legal action, including the involvement of the Consumer Financial Protection Bureau, Federal Trade Commission XXXX and possible civil litigation .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
XXXXXXXX XXXX EXPERIAN 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 non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
XXXXXXXX XXXX EXPERIAN 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I 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 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-04-07 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:
XXXX i sent a letter to experian to validate all debt or remove from my report and they did not send me information that validated

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 2025-04-07 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: DE

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXXXXXXXXXX  - XXXX - XX/XX/XXXX - {$740.00} XXXX  XXXX XXXX  - XXXX - XX/XX/XXXX - {$430.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$490.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1400.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
My Google Ads account ( Customer ID : XXXX ) has been suspended for a vague " suspicious payment '' issue. I have verified the payment method in question ( XXXX ending in XXXX ) multiple times, and recent payments went through with no problem. 

Ive been corresponding with a rep named XXXX, and despite sending over bank details, SSN verification, card images, and more, I continue to receive the same copy-paste response with no clear reason or resolution. 

I have responded over 15 times, provided detailed verification, and still have not been given the courtesy of a specific issue to correct or resolve.

Google has now locked me out of advertising, is holding my funds, and refuses to release the account or clarify what caused the suspension. This is directly impacting my business.

Im requesting immediate review and correction, or release of my account balance. Support has failed to properly investigate or escalate this.

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 2025-04-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that Equifax is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 
Inquiries : XXXX XXXXXXXX XXXX XXXX Dates : XXXX/XXXX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I have recently received a letter from Arvest Bank Fraud department stating that my personal information regarding a previous loan was sent to another individual compromising my identity. The letter stated that all previous mortgage information would be removed from my credit reporting as a result. This information was removed from my XXXX  and XXXX report. It has not been removed from my XXXX  report. I demand that this information be removed from my XXXX  report due to Arvest 's failure to protect my information. The account in question is ARVEST MORTGAGE CO XXXX. Arvest Bank improperly disclosed my personal identifying and mortgage information to an unauthorized third party. This violates the Fair Credit Reporting Act ( FCRA ) under 1681s-2 ( a ) and ( b ) due to failure to report accurate information and failure to correct it after I raised concerns. It also violates the Gramm-Leach-Bliley Act ( GLBA ) for failing to safeguard my personal financial data. I am requesting immediate removal of the Arvest-related information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX XXXX XXXX XXXX XXXX This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-04-07 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My account with Huntington bank was force closed shortly after opening. I was given no reason for the closure. No notice in the mail or online. I simply could not access my account online anymore and called to fix it when i was told it was closed and i had to go to a branch to retrieve the funds I did this. 

Nearly 2 weeks later my paycheck still hit this account. I updated my direct deposit but due to payroll processing earlier than i knew it went to this account. Unbeknownst to me the account was not closed. The check was successfully deposited into the account. I still had no access online. I called and they informed me my account was scheduled for closure but since it wasn't closed funds could still flow in and out which is why my direct deposit still hit. I was told to go to the bank Monday after the transaction was no longer pending to retrieve the funds. I called the bank to ensure i could come in today and they informed me the account was closed and a check was being issued to me but that now i could be waiting several weeks to get the funds. During this entire process i was not given my online access back so i could quicky transfer the funds out of the account. I was told the account was closed originally which i would have thought my direct deposit would fail and id be issued a paper check via my employer but they left my account open for 2 weeks. Then i was told incorrect information for how to retrieve my funds. Now im being told to either wait a few weeks for a paper check or theres a chance they may be able to put a stop pay on it so i can return to a branch to collect the funds but they say thats not a sure thing and i have to wait a few days for a person to be assigned to my case in order to tell me if thats possible or not. I received no letter stating my account with them was closed despite being told i would. I have received no communication from the bank about what is or has happened and every time i contact them im told something that is untrue or later changes. Im incurring significant time and money loss as my funds are not able to be retrieved and i get no help from the bank while they retain my money that they can freely lend out and earn interest on for themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MA

Complaint narrative:
Mohela placed me on IBR after I had to file multiple complaints for them to get me off SAVE and on IBR. Mohela issued me a bill on XX/XX/XXXX of approximately {$770.00} due on XX/XX/XXXX pursuant to my IBR plan. I was happy about this as I have no more than three months of payments left before i qualify for public service loan forgiveness ( PSLF ). 

I went to make a payment on XXXX, which would have been payment XXXX for PSLF, only to learn Mohela improperly and illegally placed me on a forbearance against my will. This forbearance does not accrue time for PSLF, which prevents me from accessing my statutory guarantee of public service loan forgiveness despite continuing to work for the government. According to three agents I spoke with on recorded lines since XX/XX/XXXX, they all agree the forbearance was erroneously applied. Two agents confirmed my request for the forbearance to be removed was escalated to forbearance resolution, yet the forbearance remains on my account preventing my from making a PSLF qualifying payment.

According to notice from Mohela, I should only be on the forbearance if 1 ) I am on the SAVE repayment plan, or 2 ) It has been over 60 days since I submitted an IDR application and Mohela has been unable to act on it. Neither condition applies to me : 1 ) I am presently on IBR, not SAVE, and 2 ) I have no pending IDR application with Mohela or FSA. The only applications i ever submitted were to be placed on IBR, which was allowed in XX/XX/XXXX and generated an IBR bill on XX/XX/XXXX. 

Accordingly, the forbearance must be removed immediately so that I may make an XX/XX/XXXX payment and not further delay my access to PSLF. I am also requesting written documentation from Mohela as to the steps they have taken to remove the forbearance that three of their agents have confirmed were improperly applied to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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: FL

Complaint narrative:
XXXX has removed this. Equifax and Transunion removed it and then put it back on my report. Yet they are calling it a " charge off '' .... isn't this against federal law? This is not mine. IT's been proved over 60 days ago. I need it removed ASAP. It's impacting me negatively. Please have them delete asap. 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 2025-04-07 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: SC

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FORWARD TO XXXX, EQUIFAX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation and Assignment Contract Pursuant to XXXX U.S.C. XXXXc- Account Number- Dear Sir/Madam, I am writing to formally request, under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX U.S.C. XXXXc, that you provide validation of the debt associated with the account number [ Account Number ] that your company is claiming. As per this statute, I am entitled to receive sufficient documentation to verify the legitimacy and accuracy of the debt. 
Please provide the following : Assignment Contract A copy of the original assignment contract between the original creditor and your company, showing your right to collect on this debt. 


Chain of Assignment Documentation showing the chain of assignment from the original creditor to your company, including all entities that have owned or serviced the debt prior to your company. 


If these two documents, or any other relevant documentation validating this debt, are not included in your files, or if you can not provide them, I request that you delete this account from my credit report immediately. This deletion should be reflected across all major credit bureaus, including XXXX, XXXX, and Equifax. 
Please provide this information within the 30-day period as stipulated by the Fair Debt Collection Practices Act. If I do not receive the requested documentation within that time frame, I will consider the debt invalid, and I will expect your company to cease reporting this information to the credit bureaus. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, \ XXXX XXXX

Company response to consumer: Closed with explanation