vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Account XXXXXXXX XXXX # XXXXXXXX XXXX XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXXXXXX XXXX XXXX as soon as possible from my report or I will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: LA

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 2025-05-05 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: PA

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 explanation
Consumer complaint received 2025-05-05 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: WI

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 explanation
Consumer complaint received 2025-05-05 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TEXAS CAPITAL BANCSHARES, INC.
State: VA

Complaint narrative:
Starting on or about XX/XX/year>, I have been unable to withdrawal cash from ATM or use debit card for any transactions, including those of only {$1.00}. I received no communication or correspondence that would otherwise indicate an issue with my account or card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dispute and reject the claims made by XXXX XXXX XXXX and XXXX XXXX XXXX in their XX/XX/XXXX, response. They acknowledge that the underlying account was charged off by XXXX XXXX  on XX/XX/XXXX, and that they did not acquire it until XX/XX/XXXX. Yet they continue to report this debt as collectible without providing any of the legally required documentation under FDCPA 809 ( a ). No contract bearing my signature, no original account agreement, and no valid assignment from XXXX XXXX  have been produced. Their refusal to provide the purchase and sale agreement further undermines their legal standing to report or collect this account. Additionally, they misrepresent IRS 6050P by ignoring the requirement to issue a 1099-C following a profit and loss charge-off, which further calls into question the legality of continued updates. The account is being updated monthly despite no consumer activity, constituting unlawful re-aging under FCRA 1681c ( a ) ( 4 ). This continued reporting is materially misleading and violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). I respectfully request immediate deletion of this tradeline from all credit bureaus, as it is unverifiable, uncollectible, and reported in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, Capital XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do
this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I attempted to open an account online with Truist Bank before XX/XX/XXXX. There was a promotion that said, if you opened you would receive {$400.00} after having 2 qualifying deposits of {$500.00}, which would have been easy as I was going to have my paychecks direct deposited into the account. After being unable to open the account online, I went into a branch office On XXXX XXXX, near XXXX on XX/XX/XXXX and met with a representative of the bank named XXXX, who opened a checking account for me and also convinced me to open a savings account which I happily did after hearing the options and the opportunities for other financial services within the bank. I made a cash deposit of {$60.00} into the account and verified in front of XXXX online banking information. She then advised me that there should be a debit card coming to the address I presented on file within 5 to 10 business days. I went today, which is XX/XX/XXXX. To look for the debit card and instead found several letters stating that not only was my account not opened but it was due to fraud and had been closed without any reason or explanation. I then called customer service to which I received the same response. No explanation as to why a brand new account was closed with a fraud distinction when I have never been a customer of that bank nor do I have any family members there, Nor has my credit been used or stolen in order to create any kind of alert on my social security number. The account had just been closed without any contact to me and the money apparently sent in a form of a check back to me which means if I was to even reopen the account I would now not qualify for the promotion, which seems quite odd to me the timing and also why a bank would not directly contact me after giving them my address, phone number and email to first not ask if there was a fraud situation.I am extremely upset as I had already started to process of having my paychecks direct deposited into this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank reduced my credit limit from {$3300.00} to {$300.00} immediately after I fully paid off my balance in XX/XX/year>. The only missed payment on the account was caused by XXXX XXXX, a third-party company that misled me with a bait-and-switch scheme, advising me to stop payments while they negotiated the debt which they never resolved. I ultimately covered the entire balance out of pocket. 

Despite my significantly higher income today and an otherwise clean payment history, Citibank slashed my limit without asking for income verification, pay stubs, or updated financial records. As an XXXX American, I am deeply alarmed and offended by this action, especially given the CFPBs recent {$25.00} XXXX enforcement action and penalties against Citibank for intentional, illegal discrimination against XXXX Americans including practices like arbitrary credit limit reductions, application denials, and account closures. 

Citibanks conduct in my case mirrors the same discriminatory patterns already proven by federal regulators. This is not just poor customer service it is a clear violation of federal consumer protection laws and anti-discrimination statutes. 

I also sent a formal written complaint to Citibanks Executive Response Unit, which was disregarded with no resolution or correction. I am now bringing this matter to the CFPB because Citibanks actions are not only financially harmful but ethically and legally indefensible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
HARD INQUIRIES WERE REPORTED ON THE 3 CREDIT BEARUE, I DO NOT RECOGNIZE THEM AND THEY ARE TO BE REMOVED IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion of inaccurate personal information and fraudulent inquiries from my credit reports. This request is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and the Gramm-Leach-Bliley Act ( GLBA ).

During a recent review of my credit reports ( XX/XX/year> ), I noticed multiple inaccuracies that must be corrected immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MA

Complaint narrative:
I am resubmitting this complaint because Experian has failed to respond to a legally valid, XXXX XXXX dispute and Chapter XXXX Demand Letter I submitted in XX/XX/year>. My dispute outlined specific inaccuracies and violations of FCRA and Metro 2 guidelines. Despite providing sufficient documentation and notice via certified mail and email, Experian took no action, failed to reinvestigate, and issued no formal response.

This constitutes a violation of 15 U.S.C. 1681i ( failure to reinvestigate ), 1681e ( b ) ( failure to maintain accurate reporting ), and XXXX. XXXX XXXX XXXX ( unfair and deceptive business conduct ). 

I have now filed XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with an amount in controversy of {$250000.00}, and am seeking treble damages due to Experians willful noncompliance and failure to cure after legal notice. 

Attached are my original legal demand, email delivery screenshots, arbitration filing, and evidence of inaccurate reporting. I request immediate CFPB enforcement action and full deletion or correction of the disputed data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MO

Complaint narrative:
To whom it may concern, I am writing to dispute the following account CRD000, D000 This account is appearing on my credit report ( s ) as a charge off account. My information has been exposed in several data breaches as well as I have just been made aware that my ex had several accounts in my name.

per IRS regulations, when a creditor cancels a debt exceeding {$600.00}, they are required to file Form 1099-C and provide the consumer with a copy. This notifies the IRS and discharges the debt for tax purposes. Because a 1099-C was never provided per IRS regulation If no 1099-C was issued, then the charge-off can not legally be considered a canceled debt and must be removed from my credit file Therefore, I am requesting that you notify all the credit reporting agencies and remove this account from my credit profile.

Continuing to report this information without IRS documentation also violates FCRA 1681e ( b ) and may constitute tax fraud if the debt was supposedly canceled but not reported.

Finally, your continued reporting of inaccurate data violates my right to privacy under : FCRA 604 ( 15 U.S.C. 1681b ) limiting when and how consumer reports can be accessed or published The Gramm-Leach-Bliley Act ( GLBA ) restricting the sharing of personal financial data without explicit consumer consent

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

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 explanation
Consumer complaint received 2025-05-05 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: CT

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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief