vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
Subject : Revocation of Consent & Opt-Out Request Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies are required to handle consumer information with fairness, impartiality, and respect for privacy. Equifax, Experian, are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared without my consent. Due to this I now have an extraordinary amounts of misinformation, that has damaged my personal life.

Additionally, under 15 U.S.C. 6801, financial institutions are obligated to respect consumer privacy and protect the confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, XXXX XXXX qualifies as a financial institution under this law. 

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer report may only be furnished with the written instructions of the consumer. I have not provided, nor do I provide, any written consent for Equifax, Experian, or XXXX to report or share my information. Any previous consent, whether verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, under 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been given the opportunity to opt out. I was never informed of my right to opt out, which is a violation of this provision. 

Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is more than XXXX years old, except for criminal convictions. The account being reported constitutes adverse information and is being reported without my permission, in violation of this statute. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not provide consumer information to reporting agencies if they know or have reasonable cause to believe it is inaccurate. Equifax and Experian are also failing to maintain reasonable procedures to prevent violations of FCRA, as required by 15 U.S.C. 1681e. 

Finally, according to 12 CFR 1016.7, I have the right to opt out at any time. I am formally exercising this right and opting out of all your reporting services. 

I expect immediate compliance with this request. and writing content within 30 days of this submission. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
I am writing to formally dispute certain inaccurate and incorrect information currently reflected on my credit report. After thoroughly reviewing my report, I have identified specific entries that do not belong to me, contain erroneous details, or were reported under false pretenses. This situation has created an unjust and unnecessary blemish on my credit profile, and I intend to have it rectified immediately. 

I demand that you conduct a thorough and prompt investigation into the disputed items. These inaccuracies are not only affecting my credit score, but they are also causing significant distress and potential harm to my financial standing. I am fully prepared to take any necessary steps to ensure these errors are removed and that my credit report accurately reflects my true financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
My father and I jointly have a mortgage that was sold to Mr. Cooper in XXXX of XXXX. This week, an impersonator gained access to my father 's Mr. Cooper online mortgage servicing account and changed the email associated with the account. My father contacted Mr. Cooper to resolve the issue, but the impersonator was not removed from the account. Instead, the impersonator removed my email address from the account, preventing me from accessing the online portal. Yesterday, XX/XX/XXXX, a sales agent from Mr. Cooper spoke to the impersonator, who tried to open a new mortgage in my name, even though my credit reports are frozen with all three lenders ( and all have identity theft notifications in place ). I am concerned that Mr. Cooper 's security services are not sufficient to prevent impostors from gaining access to online services, and I am further perturbed that despite multiple attempts to remove the impostor from my father 's account, Mr. Cooper continued to communicate with them and discuss changes to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-14 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-14 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: 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. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$7500.00} XXXX XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$7200.00} XXXX XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$5300.00} XXXXXX/XX/XXXXXXXX - XX/XX/XXXX - {$1700.00} INQUIRIES : 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 2025-02-14 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: IN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I am on the XXXX repayment plan, and an injunction came down preventing the government from implementing the plan. On XX/XX/scrub>, 2024, I submitted an application to change my repayment plan to XXXX. My servicer ( MOHELA ) is supposed to process my request within 30 days, but at this point it has been over 45 days since my application went under review. 

I am seeking loan forgiveness through the Public Student Loan Forgiveness ( PSLF ) Program, and I am very close ( less than a year ) to hitting the 10 year mark. As long as I remain in the XXXX plan ( and thus in an administrative forbearance that I did not request ), I can not make any qualifying payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Failure to provide a satisfaction letter I am filing this complaint because XXXX XXXX ( through a law firm representing them ) has failed to provide me with a satisfaction letter after I fully paid off a debt. Despite my multiple attempts to contact both the law firm and XXXX XXXX, I have not received any confirmation that my debt has been paid in full. 

Details of the Debt : Account Holder Name : XXXX XXXX XXXX SS Number ( last XXXX digits ) : XXXX Final Payment Amount : {$4200.00} Payment Date : XX/XX/year> Law Firm Handling the Debt : Glasser and Glasser , PLC. 

This debt has been settled, and I have complied with all requirements. However, XXXX XXXX representative ( the law firm ) is refusing to provide the satisfaction letter that I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

What I Have Done to Resolve the Issue : I have called the law firm repeatedly and asked for the satisfaction letter, but they refuse to provide it. 

I have requested the satisfaction letter multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Someone used my info to book an extended stay and a room from a XX/XX/XXXX Also I was over charged by XXXX for one price when I was shown another. They refuse to do the proper investigation on this matter

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 2025-02-14 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: MO

Complaint narrative:
I am a victim of Identity Theft. After reviewing my report recently there are names, addresses, accounts, and employers on my report that I do NOT recognize. Please delete them. Thank you. 
Names : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Addresses :XX/XX/XXXX 1099 Employee

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Monday, XX/XX/XXXX, my XXXX daughter attempted to cash XXXX XXXX XXXX XXXX at the Bank of America branch located  at XXXX XXXX XXXX, XXXX XXXX FL. She had received these bonds as a baby and, before going to the bank, signed them as required. 

Prior to this, she had confirmed on Bank of America 's website that the bank cashes savings bonds for account holders. My daughter has held a joint account with me, XXXX XXXX, since XX/XX/XXXX, and my wife and I have been long-time customers of Bank of America for over 20 years. 

However, when she arrived at the branch, the bank refused to cash the bonds, citing an internal policy that requires an account holder to have been a customer for at least three years before being eligible to cash savings bonds. This policy was not disclosed on their website, nor was she informed of it when she opened her account. My daughter left the bank in tears. 

To resolve the issue, I left work and accompanied her back to the bank. The bank still refused to cash the bonds because my wife 's namenot minewas also listed on them. XXXX XXXX, a bank representative, reiterated that their system prevents the cashing of savings bonds for newer account holders, and our only options were to bring my wife in person or mail the bonds to the U.S. Treasury.

Following this, I attempted to submit the bonds to the Treasury. However, I discovered that because my daughter had already signed them, we could no longer complete the process via mail.

This situation forced my wife, who suffers from severe XXXX  triggered by conflict and interactions with strangers, to leave work and accompany us to the bank. This was an extremely distressing experience for her. As a result, both my wife and I lost half a day of work to resolve an issue that should not have existed in the first place.

Had my wife been unable to go with us, my daughter would have had to wait two and a half years before being able to access her own money. This undisclosed policy created unnecessary hardship for our family and contradicts the information provided on Bank of America 's own website. 

I appreciate your time and attention to this matter and look forward to your response.

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 2025-02-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft due to a data breach. Unauthorized accounts were opened in my name, and I am requesting their removal under 15 USC 1681c-2 ( a ). These accounts are negatively affecting my credit, and I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
I am writing to formally address a serious matter regarding the unauthorized and fraudulent use of my identity. It has come to my attention that an account has been opened in my name without my consent or knowledge. I would like to make it clear that I did not authorize this account, nor did I participate in any way in the creation or use of it. This is a clear case of identity theft, and I take this breach of my personal information extremely seriously.

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 2025-02-14 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: VT

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am writing to formally express my extreme dissatisfaction with the service I have received regarding the closure of my Citibank accounts. My experience with your institution has been nothing short of frustrating, inefficient, and unnecessarily burdensome. 

I originally opened a CD and a checking account with Citibank over two years ago, primarily for the CD. When my CD matured after the first year, I attempted to close my account, only to be informed that I had missed the closure window. I was given two unacceptable choices : either forfeit all the interest I had accumulated or keep my funds with Citibank for another full year. Reluctantly, I chose to keep the account open for another year. 

After the second year of maturity, I withdrew my funds and sought to close the account. Unlike most financial institutions, Citibank offers no online option for account closure, so I had to call customer service. This is where the ordeal truly began. Despite not using Citibanks services for anything beyond the CD, I was required to provide a security password that I had never set up or received. I offered multiple other standard forms of identity verificationincluding my Social Security number, mailing address, phone number, email, and date of birthyet my request was continuously denied. 

I spent hours on multiple phone calls, spoke to various representatives and managers ( many of whom were dismissive and unprofessional ), and still, my account remained open. Eventually, I was told that I had to submit a written letter to close a basic checking account with a XXXX balancean absolutely unreasonable demand in todays digital age. Nevertheless, I complied. 

Despite following these absurd steps, I was shocked to receive an email on XX/XX/XXXX stating that my account had been suspended and that I owed a {$10.00} fee. The amount is insignificant, but the principle of this situation is unacceptable. For a bank that does not even have a physical presence in my area ( XXXX, NV ), your policies and practices are beyond comprehension.

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 monetary relief
Consumer complaint received 2025-02-14 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief