vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Noticed a account that isnt mine but figis gallery isnt helping me

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Im writing to formally dispute the accuracy of an account currently listed on my credit report. I would like you to verify that all data related to this account is fully and accurately tied to me.

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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
My county property taxes were supposed to be sent on XX/XX/XXXX. I got a letter from the county in late XX/XX/XXXX they were never paid. The mortgage company, BSI Financial, indicated they made a mistake. A check was sent to the county by the insurance company XXXX. 

In mid to late XXXX it came to my attention that my property was being put into tax sale -- I immediately called the county and they indicated they returned the check sent to them on XX/XX/XXXX because BSI had not paid it through cashiers check. Once again, I contacted BSI and they said they would begin the process of sending a new check with the new amount. I was notified via email that this was disbursed on XX/XX/XXXX however as of today, XX/XX/XXXX, the money has not been sent. 

The only information I am getting is that it is waiting for approval. I have called repeatedly. My house goes into tax sale Friday, XX/XX/XXXX. I have tried to escalate this with them but their system provides no such service and I am told I will hear back in XXXX to XXXX hours. There is no manager/employee that I can talk to that can seem to make this happen. I have no trust this will get done and then I will deal with my house being in tax sale and paying some other person money I don't have.

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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I received a collection notice regarding an alleged XXXX credit account in the amount of {$8000.00}, now being collected by XXXX XXXX XXXXXXXX XXXX XXXX. 

On XX/XX/year>, XX/XX/year>, I mailed a Debt Validation Request via Certified Mail under FDCPA 15 USC 1692g, requesting full validation of the alleged debt including : A signed agreement with the original creditor Full account history Proof of XXXX right to collect XXXX has failed to provide proper validation and continues to report this account to the credit bureaus in violation of : FDCPA Section 1692g by continuing collection without verification FCRA Section 1681i by reporting disputed information without reasonable investigation FCRA Section 611 by refusing to correct or remove unverifiable information This is a violation of my consumer rights under federal law.

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: AZ

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 2025-05-05 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: FL

Complaint narrative:
Through the Fair Credit Reporting Act section ( a ) ( 1 ) ( A ). XXXX 2024. Demanded verifiable proof of my original contract with my signature on it. also stated if they are unable to verify it must be removed.

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: FL

Complaint narrative:
Through the Fair Credit Reporting Act section ( a ) ( 1 ) ( A ). XXXX XXXX Demanded verifiable proof of my original contract with my signature on it. also stated if they are unable to verify it must be removed.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Through the Fair Credit Reporting Act section ( a ) ( XXXX ) ( A ). XXXX 2024. Demanded verifiable proof of my original contract with my signature on it. also stated if they are unable to verify it must be removed.

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: Experian Information Solutions Inc.
State: CA

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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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: FL

Complaint narrative:
This is a formal and final demand for the immediate and permanent removal of the XXXX XXXX XXXX XXXX ( PenFed ) account that was previously deleted from my credit file and illegally reinserted without proper notice, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I am also filing a formal FTC Identity Theft Complaint for unauthorized reinsertion and misuse of my consumer file.

FCRA VIOLATIONS INCLUDE : 1. Unlawful Reinsertion Without Notice Under federal law, any deleted account may only be reinserted if the furnisher certifies the informations accuracy and the consumer is notified in writing within XXXX ( XXXX ) business days. I received no such notification. 
XXXX. XXXX XXXX XXXX and Bureaus This account was previously found to be unverifiable and deleted. Any subsequent certification and reinsertion is a sham, and I have strong reason to believe XXXX is compensating Experian and Equifax to manipulate data, which is unlawful collusion and an abuse of the FCRA system. 
XXXX. XXXX of My Consumer Report and Identity Theft This unauthorized reinsertion is being formally reported to the Federal Trade Commission ( FTC ) as a case of identity theft, misrepresentation, and XXXX XXXX XXXX. 



CEASE AND DESIST ORDER TO XXXX XXXX XXXX XXXX : You are hereby ordered to : Cease and desist all unlawful reporting of the previously deleted PenFed account. 
Cease and desist all collection efforts, including harassing or illegal phone calls to XXXX XXXX or any third parties. 
Immediately halt any attempts to reinsert or validate this account through Experian, Equifax, or any other consumer reporting agency. 

You are now on notice of your legal liability. 



DEMANDS : Immediate permanent deletion of the XXXX account from all credit reporting agencies. 
Written confirmation of the deletion within XXXX ( XXXX ) business days. 
Full documentation of all reinsertion records, including the furnishers certification. 
A guarantee of non-reappearance of this account under any variation. 

Failure to comply will result in : A federal lawsuit for FCRA, FDCPA, and FTC Act violations. 
A claim for statutory and punitive damages, including {$1000.00} per violation. 
Regulatory complaints filed with the CFPB, FTC, Florida Attorney General, and the Better Business Bureau ( BBB ). 
Public exposure of these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint regarding the sudden closure of my personal bank account with Regions Bank and the unresolved issue of $ {$4100.00} that was in the account at the time of closure. 

On XX/XX/year> Regions Bank closed my account without prior notice, citing a report from the XXXX XXXX XXXX ( EWS ) system. While I understand banks have the right to close accounts, I was not engaged in any fraudulent or suspicious activity and was not given a clear explanation beyond the EWS reference. 

At the time of the closure, my account had a balance of approximately {$4100.00} I have not received these funds in the form of a check or deposit, and I have received no formal communication from Regions Bank detailing the steps being taken to return my money. I am also facing hardship. I have filed a formal request to both the XXXX XXXX of Regions bank and My local XXXX XXXX. All I have been told is that this is a EWS issue and that I should call. I called and requested my consumer report but that doesnt negate that I am out of funds. 

I have attempted to contact Regions Banks customer service, but I have not received a satisfactory response or timeline for the return of my funds. I am growing increasingly concerned that my money is being withheld without justification or due process. 

I am requesting the CFPBs assistance in ensuring that Regions Bank : Provides a full explanation for the account closure ; Returns the {$4100.00} balance promptly ; Offers transparency regarding any delays or investigations, if applicable. 

I appreciate your time and attention to this matter and look forward to your support in resolving it.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-05-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$830.00} XXXX Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$2700.00} XXXX Account charged off. {$2700.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$1600.00} XXXX Account charged off. {$2200.00} written off. {$67.00} past due as of 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: 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i want to dispute Experian for a loan with affirm that says XXXX of 2023 was late by 60 day but the month before shows it was marked on time.

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: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Applied for XXXX card on XX/XX/25 and received a denial. Called reconsideration line to understand the reason for the denial and was told to call the credit reporting agencies. The credit agencies did not make the determination so I pressed for a reason why. One could not be given. Further asked if credit line from XXXX other cards could be moved to the newly requested card, and was told it was not possible.

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: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NV

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX I called Discover Card Services to request archived monthly statements for a closed credit card account, which had been sold to a third-party. I spoke with a representative named XXXX ( ID # XXXX ). I explained that I am being sued over this debt and need access to my full billing history from when Discover still owned the account. 

XXXX informed me that Discover could not provide the statements because the account was sold. I clarified that I am not requesting anything from the current debt ownerI am requesting only my own historical records from Discover. She responded that Discover has no ability to provide those records and redirected me to the third-party collector.

This is unacceptable. Discover is the named plaintiff in an active lawsuit against me, yet they are refusing to provide the records I need to defend myself. Furthermore, the law firm currently representing Discover in this matter has not returned my calls despite multiple attempts to contact them.

Discover, as the original creditor, should still retain the account records and make them available to the consumerespecially when they are suing that consumer. Their refusal is unreasonable and obstructive, and may violate my rights under the Fair Credit Reporting Act and other consumer protection laws. I am requesting the CFPBs assistance in compelling Discover to release my full monthly statements from the time the account was in their possession.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im writing to formally dispute the accuracy of an account currently listed on my credit report. I would like you to verify that all data related to this account is fully and accurately tied to me.

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 — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TomoCredit Inc.
State: MS

Complaint narrative:
I purchased TomoBoost supposed to help my credit. It never reported to my credit report, but their were paid in full on XX/XX/year>. I immediately complained and could not even get an email. There are no telephone numbers to contact. However this is a scam. They have numerous complaints against them yet they keep advertising and charging people. 

False advertising- not reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I am leasing a XXXX and moved from XXXX to XXXX XXXX in early 2025. In order to register the car here, I need a Power of Attorney form from the leasing company. 

I first called customer service in XX/XX/year> to request the form. I was told it would be mailed, but it never arrived. I called again in XXXX and XXXX and was told the same thing no form was ever sent. In late XXXX, I was promised it would be emailed instead. That also never happened. 

On XX/XX/XXXX, I submitted a message through the companys online portal. I received an auto-reply telling me to call customer service again, even though I had already done that multiple times without resolution. 

As of XX/XX/year>, I still have not received the form. I am now well beyond the 30-day window allowed to register the vehicle in XXXX XXXX  XXXX The local licensing office has confirmed they will accept an emailed copy of the Power of Attorney form. I simply need the company to provide it. 

I have made repeated efforts to get this resolved, but the company continues to delay or ignore the issue.

Company response to consumer: Closed with non-monetary relief