vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Formal Complaint Against XXXX for FCRA Violations Failure to Investigate & Remove Inaccurate Items To Whom It May Concern, I am filing this formal complaint against XXXX XXXX for their failure to investigate and correct inaccurate information on my credit report within the legally required 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

30 days prior to today 's date of XX/XX/25, I submitted a formal dispute to Equifax regarding multiple unauthorized inquiries and outdated accounts. I have not received any response or resolution, making Equifax non-compliant with federal law. 

Violations Committed by Equifax : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Investigate Within 30 Days Equifax has failed to complete its investigation within the legally required 30-day period. 
FCRA 15 U.S.C. 1681e ( b ) Reporting Inaccurate Information They have continued reporting inaccurate, outdated, or unverifiable information, violating federal law.

FCRA 15 U.S.C. 1681n & 1681o Willful & Negligent Non-Compliance Their failure to respond may constitute willful or negligent non-compliance, which entitles me to damages, legal fees, and corrective action.

FCRA 15 U.S.C. 1681b ( f ) Unauthorized Hard Inquiries If Equifax fails to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and consider legal action for damages under FCRA 15 U.S.C. 1681n and 1681o.

I request an urgent review of this matter and expect a formal response within 15 days, as required for CFPB complaints. 

Sincerely, XXXX XXXX [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: Torres Credit Services, Inc.
State: CA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: T.S. Holdings
State: WA

Complaint narrative:
I have filed several complaints with all three credit bureaus over the course of the past XXXX years, all complaints route me back to a collection agency called XXXX XXXX. I filed a complaint and requested an investigation into fraudulent charges that are being reported to my credit bureau. IQ Data not only did not complete a fair and thorough investigation into my XXXX plus claim documents, but they also did not notify me of the results of my request. I had to move apartments in XXXX so I called IQ Data at the beginning of XXXX requesting an update and to AGAIN dispute the charges they are collecting on. The rental company they are representing ( XXXX XXXX ) charged me for months of rent for time periods I was not physically living at the residence due to a termination of tenancy provided by XXXX XXXX I had to be moved out by XX/XX/XXXX, XXXX XXXX  charged me for the month of XX/XX/XXXX, they charged XXXX in rent and also several yard service charges. XXXX XXXX has provided me with receipts of their cleaning company bills and they are dated for XX/XX/XXXX - essentially proving that it was impossible for me to live there and also have the place walked through, inspected, and cleaned. On top of that, IQ Data is using a lease agreement that I had with XXXX & XXXX, there is XXXX lease agreement or terms for myself and XXXX  XXXX IQ data has not properly looked into these fraudulent charges and have continued to hit me with thousands of dollars in interest, prevented me from moving, and are impacting my entire financial life by continuing to ding my credit. I have called to try and get somewhere with IQ Data but have been treated poorly, told that " I will never be able to move and this will never come off my credit. '' Not XXXX single person has looked into the charges that they are applying - how do you collect on a lease agreement that is with an entirely different company- it has XXXX legal recourse, on top of the documents I received from XXXX XXXX dating clean ups for the time period they are claiming I was still residing there. I have emails from XXXX XXXX telling me that their legal department no longer has the notice they provided for me on XX/XX/XXXX, I have over XXXX plus documents showing all of this to be true. STARTING with the fact that they are using a lease agreement with the previous rental company and not even the lease from XXXX XXXX themselves. I am having to file complaints and take legal action against XXXX XXXX on my own as there doesn't seem to be any process in place to dispute their findings with the company themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo sent this account to collection back in XXXX  then sent me a 1099-C XXXX years after the account was closed. this is illegal and can not be enforced.

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 2025-03-18 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: NY

Complaint narrative:
Bankruptcy filed on my report Experian Equifax Transunion

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 2025-03-18 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: NY

Complaint narrative:
Bankruptcy filed on my report Experian Equifax Transunion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/year> I attempted to use the card to buy an XXXX gift card on XXXX. The purchase was declined. I have had trouble with using it at multiple other retailers as well. Despite the fact that their website says the current balance is {$54.00}. I perused their website for tips to no avail. I found on reddit that the only successful recourse is filing a claim here and requesting a check be sent by mail for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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. 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 2025-03-18 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-18 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: NC

Complaint narrative:
THIS WAS SENT TO ALL 3 CREDIT REPORTING AGENCYS ON XX/XX/XXXX TRANS UNION LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Someone has been using my name and information. Due to FRAUD on my name I would like for you to remove any addresses, names, birth dates, and social security numbers that may appear on my credit file. I only want the information reporting on my credit report that appears on my drivers license social security card. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # 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 In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file. 
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,

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 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THIS WAS SENT TO ALL 3 CREDIT REPORTING AGENCYS ON XX/XX/XXXX TRANS UNION LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Someone has been using my name and information. Due to FRAUD on my name I would like for you to remove any addresses, names, birth dates, and social security numbers that may appear on my credit file. I only want the information reporting on my credit report that appears on my drivers license social security card. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # 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 In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file. 
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,

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 2025-03-18 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: WA

Complaint narrative:
Me and my brother credit information has been intertwined to the point where almost all past due balance, loans, and debt collection reports ( which should only appear separately on each of our accounts ) are now seen on both of our credit reports. It might have to do with the fact that both of our social security numbers are seemingly identical ( only the last few digits are different ) and at which one point either of us used one anothers numbers to pull out loans or other credit.

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 2025-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I have been in contact and trying to resolve this issue since XX/XX/XXXX. In XX/XX/XXXX I submitted my Homestead Exemption since I am a XXXX % wounded Afghan-war veteran. Selene Finance answered saying, that they were waiting on my tax department from my county to release the XXXX taxes? They told me to call back in XX/XX/XXXX and that it would all be sorted out, and my monthly payment would be adjusted to reflect the homestead exemption being applied and that I would also receive a refund from XXXX XXXX for the difference I have been paying before they applied my homestead exemption and processed my new mortgage amount. I began contacting Selene Finance again in XX/XX/XXXX where I once again was ran around in circles with incompetent answers and excuses that did not make sense. On XX/XX/XXXX I requested an Escrow analysis to hopefully finally correct my account. They told me that it would be complete in XXXX days. It is now XX/XX/XXXX and the escrow analysis has not yet been completed and the escrow department is unreachable. Even Selene finance customer service is stunned and appalled that this process has taken so long. Selene finance now seems to think that I am applying for a XXXX Homestead exemption since they have taken SO LONG to process the XXXX Homestead exemption. This is unexcusable and I have never had so much trouble with a homestead exemption being processed. I have also had to pay a payment XXXX month of {$4100.00} because the escrow department messed up my escrow. My mortgage has went up from {$3400.00} to {$3700.00} since my mortgage was sold to Selene. It makes no sense and the Escrow department does not have a clue what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I have not supplied proof under the 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 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 2025-03-18 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: NC

Complaint narrative:
I have not supplied proof under the 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 2025-03-18 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-18 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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