vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I am writing to express my concern and dissatisfaction regarding the handling of my dispute and the failure to validate the accounts in question within the 30-day timeframe as required under the Fair Credit Reporting Act ( FCRA ). Additionally, the necessary corrections to my credit report have not been made, despite my efforts to resolve this matter. 

XXXX, I submitted a dispute to Experian, Equifax, and TransUnion regarding inaccurate information on my credit report. Specifically, I requested validation of the accounts listed below : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX - Account # XXXXXXXXXXXX XXXX XXXX XXXX Account # XXXXXXXXXXXX Name to REMOVE : XXXX XXXX XXXX Addresses to REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX Keel Ct XXXX XXXX, XXXX XXXX IL XXXX To date, I have not received any validation of these accounts, nor have the inaccuracies been corrected on my credit report. This lack of action has caused significant harm to my financial well-being, including but not limited to : Denial of credit opportunities Higher interest rates on loans Emotional distress and frustration Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and provide a response, including corrections or validation of the disputed information. The failure to do so is a violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and ensure that the credit bureau ( XXXX ) involved comply with their legal obligations. Additionally, I urge the CFPB to take appropriate action to hold the credit bureau ( XXXX ) accountable for their failure to act within the required timeframe and to ensure that my credit report is corrected promptly. 

Please find attached copies of my dispute letters, correspondence with the credit bureau ( s ), and any other relevant documentation for your review. 

I appreciate your attention to this matter and look forward to a resolution. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was alerted of a decrease in my credit score with TRANSUNION decreased by 31 after inquiring the reason for the decrease I noticed incorrect information my balance for XXXX XXXX  is INCORRECT, this needs to be corrected IMMEDIATELY. I have attached statements from my account for XXXX, showing the correct information. 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 2025-02-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-06 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: VA

Complaint narrative:
I disputed a account that doesn't belong to me through the credit agency EQUIFAX and Equifax claimed they found the account to belong to me and is verified as accurate. Oh really, i say. How so when i never even opened this account to begin with and i wasn't sent any proof of verification. FCRA LAW 15 U.S.C 1681i7 is pretty clear. This XXXX XXXX item i have listed should be removed from my credit report for failure to abide by the credit reporting act laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: AZ

Complaint narrative:
I was recent denial of my buyback request for my certified XXXX XXXX XXXX, which I originally purchased in 2021. I put {$40000.00} down in cash I believe I was sold a lemon given I've had issues immediately As per XXXX XXXX ( A ), it is clear that if a nonconformity has been subject to repair XXXX or more times during the shorter of the express warranty term or within XXXX years or XXXX milesand continues to persistI am entitled to a remedy. I have brought my vehicle in for air conditioning service over five times. Each time, the same issue has remained unresolved, culminating in your recent communication that my warranty is nearing expiration despite the ongoing problem. 

Additionally, during my inquiry regarding the grounds for my denial, their team indicated that the investigation concluded did not meet the qualifications for the program, but did not provide any specific reasoning. This lack of transparency is concerning as it leaves me without clarity on the situation, especially given my repeated attempts to resolve the issue. 

Furthermore, the vehicle 's history shows that the original owner experienced similar issues with the air conditioning, indicating a pre-existing flaw. I find it disconcerting that you refuse to recognize this critical aspect of my claim, especially since the same nonconformity is persisting. 

The circumstance of my disabilitydriving with hand controls due to cerebral palsycompounds the inconvenience and financial strain of repeatedly having to take time off to address this vehicle issue. The impact on my life is substantial, and I would appreciate more understanding from your company. 

Additionally, it has come to my attention that there have been incorrect late payment reports made to XXXX, XXXX, and XXXX. This misinformation has adversely affected my credit report. I request a thorough review of these discrepancies and a rectification of any inaccuracies at your earliest convenience. 

In light of these concerns, my vehicle is now leaking again!!! I truly cant believe they don't believe I qualify for the buyback under the Arizona Lemon Law. 

I feel taken advantage of due to the fact the wont provide a clear understanding on why I don't qualify and I feel lije I was just pushed aside with no help now that my warranty is over

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXX To whom it may concern I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX # XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Name Address Date To whom it may concern, I looked at my report. I sent a letter to Transunion on XXXX XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX # XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2025-02-06 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 urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my 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 2025-02-06 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 urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my 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 non-monetary relief
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
Hey I am writing this complaint because I looked at my credit report and noticed several inquiries that were unauthorized and fraudulent on my credit report. These inquiries were not authorized or applied for by me and has tarnished my credit reputation because of it. TRANSUNION has not had written permission from me to furnish this information according to 15 USC 1681b - Permissible purpose of consumer report. We know that they have a grave responsibility to enforce accurate reporting, so they need to do. This is harming my credit and need to be rectified immediately! I have attached a FTC report along with my ID to verify my Idnetity. These are the inquiries : XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
I am a victim of tXXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/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 2025-02-06 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 2025-02-06 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: GA

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-02-06 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 did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-02-06 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: NJ

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-02-06 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: NJ

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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