vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: SC

Complaint narrative:
My purse was taken during a community event in 2018. I was advised by law enforcement to monitor all of my accounts in the future. I contacted the credit bureaus and advised them of what had taken place. I recently pulled a copy of my credit report and noticed a account and inquiries that I have no knowledge or affiliation with. These accounts and inquiries have been authorized due to someone having access to my personal information. 

I have the right to privacy, furnishing accounts to my profile without my written consent is in violation of 15 USC 1681B. 

After researching this accounts, this account is being furnished due to identity theft. Furnishing any account to my profile in direct relation to identity theft is in violation with 15 USC 1681 c-2

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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Sense XXXX every word spoken from Apple Card reps and supervisors has dishonest. It is terrible that they can be honest and terrible that Apple Card supports this dishonesty. Lies all the way to mangers who if you miss there call they hide like cowards in stead of leaving there direct number. Its like Apple Card does not beleive on customers working plus they have misseee probebly 15-20 scheduled call and still lieing as of today. 100s of hours of lost work 10-15 unresolved complaints of dishonesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-02-07 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 XXXX Account # XXXX, 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 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 2024-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
My Mercedes Lease agreement was terminating on XX/XX/XXXX. I received an email on XX/XX/XXXX that my next auto payment was being drafted on XX/XX/XXXX. I called Mercedes Benz Financial Services, asking how I could turn off this payment. They gave me instructions on how to cancel the auto payment, but the current pending fee of {$1100.00} was processed anyway and removed from my account. 
Now there was an extra payment on my account of {$1100.00}. I asked MBFS for a refund of my overpayment. They said they needed to hold the payment for 7 days before refunding. 

I called back again on XX/XX/XXXX and they said after the 7 days is up they would mail me a check for a refund. 

On XX/XX/XXXX I turned my leased vehicle in and purchased a new vehicle from the same dealership. 

On XXXX/XXXX/XXXX, I called MBFS asking where my refund was ; they said my refund went to the dealership as a credit for what the dealership had to pay to purchase my leased vehicle from MBFS. So the dealership paid {$1100.00} less for the vehicle because of my payment. 

MBFS says they will not refund my overpayment as they gave the credit to the dealership and no longer have the money to refund me. 

They told me to request my overpayment to be reimbursed from the dealership. I had the MBFS customer service agent do a three-way call with them, me, and my dealership sales agent. 

My Mercedes dealership located in XXXX XXXX, FL. XXXX the sales agent did understand, as stated by the MBFS, that my extra payment was given to the dealership as a reduction of the payoff fee. 

The XXXX dealership said the bottom line was that I would not get any refund from them. 

So, to this day, I am still out the {$1100.00} with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On the day of XX/XX/XXXX my XXXX  credit score was fraudulently impacted without any delinquencies on my companys credit report. 

Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 2024-02-07 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: IL

Complaint narrative:
I have requested three or more times now that all negative accounts on my credit reports be investigated as they are not familiar, and my XXXX loan should have XXXX balance after XXXX plus years of payments so past the statute to collect on them after this amount of time per law the balance left is to be canceled and I also have XXXX years of eligible employment for the XXXX from XXXX XXXX XXXXXXXX XXXX State of IL XXXX and Dept of the Treasury IRS. Yet Experian just keeps getting the dispute and just turning around and not investigating and a day later sending me the same information, THIS IS ILLEGAL!!! ENFORCE THE FDCPA AND FCRA LAWS!!! I have provided a copy of my student data file for XXXX, these loans did NOT restart when the government changed loan servicers, but they started way back in 1993 and were consolidated by the government twice!!! It is THEIR JOB to have all of this information and not MINE to provide it to them!! Yet I still provided it!!! I want this complaint shared with the IL ATTORNEY GENERAL AND I WANT ALL CORRECTED AND REMOVED NOW!! AND DO NOT CLOSE ANY COMPLAINT AGAINST THEM ALL UNTIL ALL IS CORRECT AND FINE THEM DAILY UNTIL THEY DO CORRECT ALL!!

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 2024-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: CO

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX {$0.00}

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 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
MCM has called me 11 times in the last week and I've told them to stop contacting me. This is for a debt I do not recognize and I continue to block the number, however, they robocall from a different number daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Hey my name is XXXX XXXX These addresses does not belong to me listed below can you please remove them I havent been able to sleep at night. I writing you to let you know that u being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen and Im letting you guys let right now. You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy These are not my names ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX also these are not my addresses ( XXXX XXXX XXXX XXXX XXXXXXXX, Il XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX XXXX XXXX XXXX CT XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name is incorrect when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have received your recent correspondence from the Complaint regarding the reinvestigation of the accounts mentioned in my previous communication. However, I remain unconvinced by the information provided, as it differs significantly from the data presented by other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: PA

Complaint narrative:
I have received your recent correspondence from the Complaint regarding the reinvestigation of the accounts mentioned in my previous communication. However, I remain unconvinced by the information provided, as it differs significantly from the data presented by other credit reporting agencies.

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 2024-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
I was contacted by " The XXXX  Offices of XXXX XXXX XXXX XXXX XXXX ''. On research XXXX XXXX XXXX does not appear to be able to pratice XXXX XXXX XXXX. 

Additionally the debt they claimed that I ow was paid in full on XX/XX/23. They are claiming that isnt " the same debt despite no proof or written itemized bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TransferWise Ltd
State: CA

Complaint narrative:
Someone used my card on WISE INC, Thinking of this comapny because the name of this company shows in my statement! They have charged {$20.00} from my card. 
And XXXX XXXX XXXX also charged me some cents several times. 
I am not aware of that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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 respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.

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 2024-02-07 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:
XXXX, XXXX, and Equifax has not responded to none of my letters for all the fraud accounts that on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I have submitted multiple disputes asking for verification of the mentioned accounts. No one is able to provide me with any Validation/ Verification. Attached is the proof I was given from multiple reporting agencies. Please check it out. XXXX, XXXX, EQUIFAX continues to Violate the FCRA. Attached is proof. They are reporting Inaccurate, Incomplete, unverifiable information. They were never given permission to reporting any of this information. And they never conducted an investigation into my claims. This is not a 3rd party submitting this claim this is me XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-07 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-07 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-07 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: GA

Complaint narrative:
Ive called and sent letters to XXXX, Experian and XXXX. I counted how many times each company violated my privacy ( XXXX ). XXXX had XXXX, Experian had XXXX, and XXXX had 401 violations. I sent them each a copy of my credit report with highlighted violations 3 weeks ago and havent heard back from any. They also violated 15USC1681c- ( a ) and 15USC1681 ( 5 ) which says they can not put anything adverse on my credit report except convicted crimes, by putting credit card utilization on my credit report thats adverse info. When they add hard credit checks or soft credit checks thats adverse info also. There should only be the name of the credit card and paid as agreed with nothing else. I also asked them on the phone and highlighted all the old non-mailable addresses and phone numbers to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation