vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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 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 2025-02-13 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Revenue GroupXXXX continues to charge me over the years for debt I don't even owe. I caught this company sending mail stating I owe XXXX dollars on a utility account I already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley bank location XXXX XXXX XXXX XXXX XXXX, had been informed that a family member with beginning on set XXXX and another who was XXXX XXXX had decided to give me, a valley account holder access to make deposit across accounts using checks for these XXXX XXXXXXXX relatives to have direct trusted assistance with their accounts during these difficult times. Family member A. XXXX  had been victimized by neighbors and brought to cash checks under the guize she was convinced they were lost family members creating a conflict of interest and multiple criminal acts. Two family members contacted the bank, local PD and XXXX XXXX social services XXXX abuse divisions, which did not exchange information or pursue any action against the alleged criminals directly. Bank then tried to take action against the family members rightfully and legally intervening. XXXX XXXX 2nd family member had recently become legal owner of her father\s house upon his death and as a legally XXXXXXXX XXXX had contracted my Finance/property LLC at cost to manage her holdings as heir. As both family members wrote checks and were deposited into the same account, bank has frozen/closed account without any proof or contacting of involved parties. Bank has also acted in retaliation in the past towards myself for serving as lead plantiff in class action which settled in XXXX Additional actions include but are not limited to previous issuing of invalid debit cards and unilaterally canceling a direct withdrawal for a 3rd family members life insurance resulting in the early wrongful termination of a XXXX figure policy that hdad been paid into for years prior intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
My brother and I have a mom who is on XXXX We put money in a regions account every month to pay her bills. We set this up years ago and calculated the amount we put in every month to be more than what her bills are so we can save up for emergencies, like last year when her plumbing busted. Since all the bills/deposits are typically the same each month, we dont follow it religiously. We trust that the bank takes care of our money. 

Recently I got an alert that the account was overdrafted and is at - {$300.00}. I could not understand how this was possible since there should be at least {$1000.00} extra in there based off my calculations. I check and since 2021 there were 7 checks taken out of the account for a total amount of {$1200.00} and two overdraft fees charged at {$36.00} each. These checks DO NOT have my account name or account # on them and are from the same person every time. 

I call regions, they sent me to regions fraud. Fraud said it was NOT Fraud. Regions had mistakenly taken checks from another customer out of my account, 7 times since 2021. They said this could be fixed and the all money replaced over the phone through a simple account correction and I need to call back to the first line. I call back to the first line, am directed back to the fraud, and then back to the first line again. That person says they cant help me over the phone, and I will need to go in person to the branch where these checks were being taken out. I explained that I cant go in person, I live in CA. They said I need to call directly to the branch and see if they could fix it. I asked if they could remove my overdraft fees and they said only allowed to remove one. 

I call the branch directly, they said it could have all been handled on the phone by the first person as they all share the same information and they aren't sure why they said that. They said they can remove all my overdraft fees, but only can give {$300.00} back of the {$1200.00} they gave to another customer because of a 60 day policy. My mother 's electric bill bounced yesterday and we have no safety net for her now for emergencies.

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 2025-02-13 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: NC

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
i got a copy of my credit and saw that this lender took a copy of my report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One charged off my credit card and didn't send me a 1099C and it is still reported on my credit report and its not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have a email address XXXX that I currently do not have access to because the device is damaged. Prior to technology damage, I was attempting to have Aa Cash out from CashApp that was XXXX XXXX. I have not been able to Cash out and the card the is associated with this email XXXX XXXX I have requested deactivation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 2025-02-13 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
My credit Report was pull and use with out my constent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions via mail, Experian consistently responds in writing within 30 days that the account is accurate with providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs ' most recent administrative proceeding ( File No 2025-CFPB-0002 ) against them for similar violations. I request CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Dates of sending multiple attempts- from 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 2025-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint to dispute an eviction collection falsely reported under my name by National Credit Systems. During the reported eviction period, I resided at XXXX XXXX XXXX XXXXXXXX, GA XXXX, as verified by the attached notarized letter/lease agreement. I have also filed an FTC identity theft report, which is attached. 

This eviction does not belong to me, and I request that the collection agency and consumer reporting agencies immediately remove it from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OLIPHANT FINANCIAL, LLC
State: TN

Complaint narrative:
Never received a letter. Found out about it from notification from credit bureaus. If you look closely why is statinng they are the original creditor. I DO NOT KNOW THIS COMPANY and as I MENTION THIS TO THE XXXX ONCE I DISPUTED THAT IT IS IMPERATIVE THAT I RECEIVE PURCHASE AGREEMNET AND OWNERSHIP OF DEBT. IF THEY REFUSE TO HONOR THIS REQUEST THEN IT SHOULD BE ILLEGAL FOR THEM TO JUST ADD ACCOUNTS TO CONSUMERS REPORT. IF THEY CHOOSE TO TAKE THIS MATTER TO COURT I AM READY TO TELL THE JUDGE WHAT I SUBMITTED TO THEM BY EMAIL, THE SAME LETTER UPLOADED HERE AND THAT MY REQUEST WAS IGNORED AND THE CASE SHOULD BE DISMISSED ON THE GROUNDS OF LACK OF STANDING!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: 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 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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I called creditors on XX/XX/year> and spoke to representative asking them This item is inaccurate and incomplete because I never recieved my requested for my forward flow agreement and chain of assignment that is law. I am requesting that this item be removed from my credit.Please investigate this matter and delete and or correct these disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-02-13 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: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I owe a balance to Westlake Financial services I the amount of {$7400.00}. XXXX XXXX XXXXXXXX XXXX XXXX in XXXXXXXX XXXX, is the debt collecting agency handling the accounting. Their records state that I owe {$22000.00}. When in court, the agreed balance that I owed at the time to Westlake Financial in XXXX, was {$14000.00}. 

XXXX XXXX XXXX has been garnishing my wages and have been receiving {$75.00} per week for the past 18 months. To my understanding, I only owe {$7400.00} as reflected on Westlake Services account and also on my credit. I do not owe the balance {$22000.00} that this debt collecting agency is asking for. 

Also, I would like to file a complaint against Westlake Financial services. They added an inaccurate remark on my credit report stating that they repossessed my vehicle when they have not. The vehicle is currently at my home and they refuse to pick it up because they say the value of the vehicle is not worth the amount that will be spent for the tow company to come out. They refuse to remove the remark until the balance is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America failed to advise me of a debt from XXXX that I owe XXXX  amount of dollars before I opened another account in XXXX at which one I was not made aware by the bank that any money was owed. In the process of trying to open a bank account else where I was informed n told by the debt collector of Bank of America that I owed money and I expressed I did not know nor was made aware of any funds being owed and refused to resolve 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I am disputing a collection attempt by Tenaglia & Hunt PA regarding an alleged debt with XXXX XXXX XXXX, XXXX, associated with Account Number Ending in XXXX ( Reference # : XXXX ). I received a collection letter on XX/XX/year>, and I want to make it clear that this debt is not mine. I am a victim of identity theft, and someone fraudulently used my personal information to open an account with XXXX XXXX XXXX, XXXX, without my consent. I have never had any financial relationship with XXXX XXXX and have never authorized or accessed this account. Under the Fair Debt Collection Practices Act, I am formally requesting that Tenaglia & Hunt PA immediately cease all collection efforts related to this fraudulent account. Additionally, under the Fair Credit Reporting Act, I am requesting copies of all records associated with this account, including account applications, statements, payment records, delivery addresses, phone numbers linked to the account, signatures, and any investigative reports. As a victim of identity theft, I have attached supporting documentation, including my FTC Identity Theft Report, to confirm that this debt is not mine. I also request confirmation in writing detailing the steps taken to resolve this dispute. This should include notification to XXXX XXXX XXXX, XXXX, that the debt resulted from identity theft, the cessation of all collection activities, and the removal of any related negative information from my credit report. I expect your agency to handle this matter in compliance with federal laws and look forward to a prompt resolution.

Company response to consumer: Closed with explanation