vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

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 2025-01-10 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: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
debt collection company ( Aldous & Associates P.L.L.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  keep calling me every single day to collect a certain amount ( $ XXXX {$140.00} ), which they said was the monthly gym membership fee ( XXXXXXXX XXXX XXXX ). The amount was disputed by my bank because the gym deducted the amount from my bank account after the membership was cancelled a month before the pay date, and it was returned after I got my money back from them through my bank. The company is very annoying and unbearable and threatened me more than once to hit my credit score and ruin my reputation with the lenders if I did not pay the above amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

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 2025-01-10 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: DE

Complaint narrative:
On reviewing my credit reports, I noticed inaccuracies in the reporting of several accounts, which are not compliant with the Fair Credit Reporting Act ( FCRA ). Specifically : XXXXXXXX XXXX XXXXXXXX : Equifax reflects a balance of {$14000.00}. 
XXXX reports a balance of {$0.00}. 
XXXX reflects a balance of {$14000.00}. 
These discrepancies demonstrate a failure to report consistent and accurate information across the credit bureaus. As mandated by federal law, all accounts must be reported with 100 % accuracy. 

I have attempted to verify this information and attached a screenshot highlighting these inaccuracies. The discrepancies suggest negligence or noncompliance on the part of the creditors and data furnishers. 

XXXX XXXX XXXXXXXX, in particular, have failed to report accurately to Equifax, which is a violation of their legal obligations under FCRA Section 623 ( 15 U.S.C. 1681s-2 ). This lack of compliance is unacceptable and warrants immediate correction. 

I am requesting that all inaccurate accounts be corrected or removed from the credit reports promptly. 

This is a formal demand for accountability and compliance with federal law to ensure the accuracy of consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX 
Account number : 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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: MO

Complaint narrative:
there were XXXX transfers, neither has been delivered yet. The first one # XXXX was taken from my bank account by them on XXXX for XXXX it was promised to be there by XXXX. It originally was promised before then but they changed the receipt to XXXX the second one # XXXX was taken from my bank account on XXXX for XXXX it was promised to be there on XXXX. For the past four days they have been asking me lots of personal questions through emails. I have answered all of them, then the next day they will send the another similar email again, i have explained time and time again through emails and phone calls the exact same information and each time they have made promises to me they have not fullfilled. They all read the same script! They keep blaming the receiving bank. I feel it is just a scheme to use the larger amounts of money to draw interest or gain from the exchange rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant stress and XXXX while negatively impacting my financial wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2025-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I received notification from Experian that a collection was added to my credit file. Upon checking it showed an account by a collection agency called XXXX XXXX XXXX The information contained in this account is not anything that I am familiar with. I have never received communication from XXXX XXXX XXXX in any manner regarding this debt, which I am confident does not belong to me. I visited the agency 's website and submitted a complaint for the unauthorized and unverified reporting according to their suggestions. I provided them with my name and current address along with all of the information reporting and even made them aware that I am a victim of identity theft. Instead of resolving the issue, XXXX XXXX XXXX proceeded to then add it to my XXXX credit report. They have completely ignored my communication to them even after being made aware that I would be filing this report. This is egregious behavior on their behalf and I need this wrong information to be removed from reporting under my identity. I have reported identity theft to Experian, XXXX and XXXX three weeks ago and they have yet to block such abusive reporting practices nor have they added a fraud alert as I requested of them. At this point I feel like the credit bureaus and collection agencies work together to suppress consumers whenever possible.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint against Experian, XXXX, and XXXX for their blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically their failure to complete their investigations into disputed credit report items within the required 30-day period as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). These credit reporting agencies have demonstrated a clear pattern of noncompliance and negligence, causing undue harm and financial stress to me as a consumer.

VIOLATIONS BY CREDIT REPORTING AGENCIES : Failure to Investigate Disputes Within 30 Days : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to complete their investigations within 30 days of receiving a dispute. Despite my timely and detailed submissions, Experian, XXXX, and XXXX have failed to meet this statutory obligation. 

Failure to Provide Timely Notice of Investigation Results : In accordance with FCRA guidelines, the agencies must provide a response to the consumer with the results of their investigations. I have not received any such correspondence within the legally required timeframe, further compounding their violation of my rights. 

Failure to Ensure Accuracy in Credit Reporting : These agencies failure to comply with FCRA standards has resulted in the continued reporting of erroneous, unverifiable, or incomplete information on my credit report, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX IMPACT OF THESE VIOLATIONS : The continued presence of erroneous and unverifiable information on my credit reports has caused the following damages : Defamation of Creditworthiness : The inaccurate data has impaired my ability to access credit on favorable terms, subjecting me to financial discrimination. 

Emotional Distress : The agencies negligent actions have caused undue stress, frustration, and anxiety. 

Financial Harm : Higher interest rates and denials of credit applications have resulted directly from their failure to comply with FCRA-mandated investigation timelines.

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 2025-01-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MI

Complaint narrative:
XXXX XXXX and TRANSUNION has two open accounts that I have previously requested for the last two months to have deleted the information is NOT ACCURATE and states the account date was before I was BORN. I was born XX/XX/XXXX. 
Both of these accounts are listed on my TRANSUNION with dates BEFORE I was born and need to be deleted and updated immediately!!! INACCURATE and Unlawful reporting that violates my Consumer Rights and is hurting my credit score. Delete and update my Credit Report today and DO NOT put this back on my Consumer Reports again. This is Identity Theft and Fraudulent, XXXX XXXX XX/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 2025-01-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
We have been making regular on time payments to Mercedes Benz financial since the inception of the lease in XXXX of XXXX. 

On or about XX/XX/XXXX we received a check from Mercedes Benz Financial Service in the amount of {$1700.00}. When we called to ask why were sent this check none of the customer service agents knew why we were sent the check, and stated that we were 60 days in arrears on the account. We stated that we had copies of the cancelled checks that we had sent and could provide them. We were told that they would be in contact with us and nothing more was ever heard. They would call my office and when my receptionist would answer, but there was never anyone on the other end of the line. 

On XX/XX/XXXX I was contacted by an XXXX from Mercedes Benz Financial and told that our account was 96 days in arrears and our vehicle was slated for repossession. I, once again, reiterated that we had copies of all of our cancelled checks sent to Mercedes Benz Financial Services and could provide them. She stated that the checks we were sending had the incorrect Mercedes Benz Account number on them, they could not transfer funds from the account that was credited with our check without our permission, and in order to prevent repossession we would need to complete a wire transfer in the amount of {$6100.00}. 

We at that time made the wire transfer to Mercedes Benz. 

We called back on XX/XX/XXXX to confirm that they had recieved the wire transfer and they confirmed. 

It was at that time they stated that our account number had changed in XXXX of XXXX and that is why the correct account was not being credited with our payment. They had accepted payment and credited the proper account from XXXX of XXXX to XXXX of XXXX without problem. It was only in XXXX they decided they couldn't apply our payment to the proper account. Nobody has been able to explain this discrepancy. 

I was promised a direct accounting of what the {$6100.00} was covering, and it has yet to be emailed or mailed to us. I was assured that this would not be reflected on our credit report but I have my doubts. Furthermore I feel that we have payed them in excess of what was owed. To this point communication from Mercedes Benz regarding resolving the situation has been absent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief