vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I filed a dispute on XXXX, XXXXXXXX XXXX XXXXXXXX due to negative derogatory remarks. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting housing for an apartment. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: VA

Complaint narrative:
Formal Dispute & Method of Verification Request FCRA 609, 611, & 623 To Whom It May Concern, I am writing to formally dispute inaccurate information on my Equifax credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute, you have verified the item without proper documentation. Under FCRA 611 ( a ) ( 7 ), I am requesting the Method of Verification ( MOV ) for how you verified the disputed item ( s ).

Additionally, per FCRA 609, I am requesting complete documentation used to verify this account, including : The original signed contract or credit application proving I authorized this account.

Copies of any billing statements, payment history, and transaction records associated with this debt.

The name and contact information of the individual at the creditor/collection agency who verified the account.

Furthermore, under FCRA 623, I am formally disputing the accuracy of this item and requesting that the data furnisher ( creditor/collection agency ) provide direct validation of the account. If the furnisher can not provide documented proof, they must correct or delete the item from my report. 

Disputed Account ( s ) : Charge-Offs : 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 Failure to Provide Documentation or Remove the Item If you can not produce the requested documents, you must delete this account from my credit file as required under the FCRA. 
If the data furnisher fails to validate this debt, they are in violation of FCRA 623 ( a ) ( 3 ), which requires accurate reporting. 
If Equifax fails to comply, I will escalate this matter with the CFPB, FTC, and possibly legal action for non-compliance. 

Please respond within 30 days with full documentation or confirmation of removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
This company was issued CFPB complaint XXXX on XX/XX/year>, regarding an alleged debt appearing on my credit report that I do not owe. To date, they have failed to respond. Additionally, I have received mailed correspondence ( attached ) showing a balance and settlement amount that do not match the debt reported on my credit file. This raises serious concerns about the company 's business practices, as it appears they are attempting to collect money through deceptive means. 

The alleged original creditor has yet to verify this debt, which further calls its legitimacy into questionespecially given the inconsistent balances being reported by the collection agency. Furthermore, my initial complaint included proof that this companys right to transact business in Texas has been forfeited. Despite this, they continue to report a disputed debt without notifying the credit bureaus of the dispute, violating federal regulations. Additionally, they have ignored my cease-and-desist request by sending further communication via mail, which also contains details that do not match what is being reported. 

Due to these ongoing violations, negligence, and failure to comply with the law, I demand the immediate deletion of this account from my credit report within XXXX business days.

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 2025-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a notice of dispute to CMRE Financial Services , Inc via USPS Certified Mail demanding validation for a supposed debt they had written me about. I requested three pieces of information : information on the original creditor, an explanation of products and services which gave rise to the supposed debt, and to produce a signed contract by which I would have entered into an agreement for this supposed debt. Also included in this letter was a cease and desist from contacting me via phone as I do not do business via phone to protect myself from fraud. USPS shows this letter was delivered XX/XX/XXXX. 

On XX/XX/XXXX, I sent a followup letter, by USPS Certified Mail, that this supposed debt had been invalidated as they were unable to produce a signed agreement or executed contract by which this supposed debt would have come into being. USPS shows this letter was delivered XX/XX/XXXX. 

CMRE Financial Services , Inc was given over 45 days to validate this supposed debt and failed to respond with appropriate documentation to validate the debt. Since receiving notice that this supposed debt had been invalidated, they have been repeatedly harassing me, violating the cease and desist from the initial letter they received on XX/XX/XXXX by calling me and leaving voicemail messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generallf, 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.

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 2025-03-10 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but the bureau has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family. 

These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me. 

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 

For these reasons, I request immediate action to block and remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Vehicle was towed in by law enforcement impound on XX/XX/XXXX, Lien sale was conducted by tow company and lien sale date was to for XX/XX/XXXX. It was sold through lien sale on XX/XX/XXXX. The vehicle was damaged needed a new sub frame, some body work and engine and transmission needed to be replaced as well therefore it was valued under $ XXXX. New owner myself, began work on it by sending it to a shop. In the process I already taken my lien sale packet to d.m.v. and turned in to start the ownership- title change into my name for the title however it needed work and smog on the vehicle. I was in the process of completing the required steps to complete and a repo company took my car from in front of my house the XXXX XXXX day out of the auto shop. When I tried to report stolen I was informed it was repoed and by who. However, none of the repos company addresses registered with the state of California were correct they were all bad addresses listed for them. Contact was extremely difficult. From pulling old copies from the liensale i researched and found the past old lien holders of the vehicle. XXXX XXXX, I done everything they have requested for me to provide for documentation as proof as the new owner of this vehicle. I am going on 3 months now with the same old response of its under review I will forward the message over to the back office and no return call from 24 to 48 hours as they have stated as well. Santander Consumer USA, ALSO was a big part of this unlawful repossession. I need help getting my vehicle back due to their wrongful repo. This is causing me a lot of time out of my day that I don't have to give due to a busy schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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 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 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
On or about XX/XX/XXXX, the defendants representative knocked at the Clients door located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and introduced the Client to a solar panel system that would eliminate her electrical bill, provide her with substantial savings and tax incentives. The Defendants sales representative went a step further to entice the Client and offer her a {$200.00} XXXX gift card only to see if she would qualify for such incentives. The Client agreed and signed what she thought was a pre-qualification application to see if she was eligible using the Defendants XXXX. Later on, she learned that she actually had signed a loan application. The Client later tried to cancel the purchase but was told she needed to pay a {$1000.00} cancelation fee. Not having such money, she decided to proceed with the loan, at least she would still qualify for tax incentives and savings. 
On or about XX/XX/XXXX, the installation of the panels was completed. The Client started realizing that she would not be getting any tax incentive or savings as was promised to her. 
On or about XX/XX/XXXX, The Client discovered that her roof was over XXXX XXXX XXXX and needed to be replaced. The Defendants installed the panels on top of the extremely old roof without informing the Client that soon it would need to be replaced. The Client had to disburse approx. XXXX to remove the panels so she could replace her roof. The Clients electrical bill has also increased since the installation of the panels and she has not seen any monetary savings. 
Client claims the following against your corporation, employees, entities, and/or agents : 1. Violation of Home Solicitation sale ; Permit Required. Fla. Stat. 501.021-22 2. Unfair and Deceptive Business Practices 3. Misleading and False Advertising 4. Fraud 5. Breach of Contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
please remove the hard inquiry from mycredit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXX CARD - XXXX - This information is incorrect. Please investigate it.to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my XXXX XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-complia nce has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of Reported late payment : XX/XX/year> XXXX

Company response to consumer: Closed with explanation