vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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:
Subject : Request for Verification or Deletion of Negatively Reporting CLOSED Accounts - 15 USC 1681i Dear Experian Credit Team : I am writing to dispute the accuracy of information contained in my credit report, specifically regarding the accounts listed below which are negatively impacting my credit profile : XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX  Acct XXXX XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i , I am requesting that you undertake an investigation to verify the validity of the reported accounts or, if unable to do so, delete it from my credit report in accordance with my FCRA rights and the law.

Upon reviewing my credit report, I discovered that the accounts in question are being reported negatively. However, I have reason to believe that this reporting may be inaccurate or incomplete. I have not received any documentation or communication from the creditor regarding these accounts, nor have I been provided with any evidence supporting the reported information.

As mandated by the FCRA, I request that you conduct a thorough investigation into the validity of these accounts. This includes verifying the accuracy of the account information, the identity of the creditor, and the details of any transactions or activity associated with the account.

Furthermore, if you are unable to verify the accuracy of these accounts within the statutory timeframe, I request that they be deleted from my credit report immediately. The FCRA requires credit reporting agencies to maintain accurate and fair information, and inaccurate reporting can have significant adverse effects on my financial standing and opportunities.

Please provide me with a written response detailing the results of your investigation and any actions taken within the timeframe required by law. Additionally, please include any documentation or evidence that supports the accuracy of the reported accounts. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

Sincerely, 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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HUNTINGTON NATIONAL BANK, THE
State: TN

Complaint narrative:
My son was involved in a car accident in XX/XX/XXXX & vehicle was totaled out from insurance company. XXXX was to pay a portion, gap to pay a portion, and extended warranty to pay a portion. According to the info sent by XXXX to these companies all three were to pay the total amount to pay off the car. I found out later that there was a balance left of {$300.00} plus in which I called XXXX to ask why the balance was left, several times I called & finally told them in XX/XX/XXXX that once I got my taxes back in XXXX I would pay what is owed to keep it from going against my credit even though it was not my fault that the full amount was not paid by insurance, gap & extended warranty. XXXX is who sent info to the companies as to what full balance was to be paid in full. They sent it to my credit in XXXX anyways which made my credit score go down over XXXX points. I ended up paying them the balance in XXXX to pay it off. They have yet to report the amount has been paid in full. Can this be removed from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
FCRA 605B stipulates that we must eliminate any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each incorrect entry on my credit file.

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 2024-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XX/XX/XXXX Subject : Issues with Mercedes Benz Financial Services To Whom It XXXX Concern, My name is XXXX XXXX. XXXX : XX/XX/XXXX. Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have been experiencing persistent issues with Mercedes Benz Financial Services ( MBFS ) over the past year. Whenever I visit a Mercedes dealership to lease or purchase a car, I receive an automatic decline from MBFS without a valid explanation. Despite my inquiries, neither the dealers nor MBFS provide clear reasons for these rejections. 
Here are the key points : 1. Repetitive Declines : Every attempt to lease or buy a Mercedes results in an automatic decline. 
2. Lack of Explanation : Dealers are unable to obtain a valid reason from MBFS for the denials. 
3. High-Value Customer : I have been a loyal Mercedes Benz customer for decades, with excellent credit and a history of purchasing luxury vehicles ( including XXXX XXXX and XXXX ) with instant approvals. 
XXXX. Recent Attempts : On XX/XX/XXXX, I visited XXXX in XXXXXXXX XXXX XXXX and MBFS declined my application without explanation. Similarly, on the same day, XXXX XXXX in XXXX XXXX XXXX faced the same issue when they contacted MBFS. 
Additionally, my daughters, XXXX XXXX XXXX XXXX : XXXX ) and XXXX XXXX ( XXXX : XXXX XXXX ), both attempted to purchase a Mercedes. Despite their excellent credit history, they were instantly declined without valid reasoning.

I have made numerous attempts to seek clarification from MBFS, but all my efforts have been in vain. As a frustrated customer, I feel denied of my rights. I urge you to address this matter promptly. If I do not receive a valid explanation for the repeated declines, I will escalate the issue further. 

Thank you for your attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-04-30 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'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving 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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I never did any business with this company. I have pulled my credit report, and they are not listed as a debit that I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company of the error in my credit report and request to delete the error immediately.

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 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal has placed a XXXX hold on my account, which is set to end in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've identified fraudulent inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: GA

Complaint narrative:
I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I realized obtaining my credit report that i see some unauthorized inquires on Credit report. These inquires were never authorized and never gave consent written/unwritten/verbally. As a i am federally protected by the fair debt collection practices act 15 U.S.C 1681 ( b ) I am now opting out from these unauthorized inquires from credit report. As I I do not have any Credit with these banks nor any profile or accounts. Its just n the best interest of the company to remove these inquiries before any legal proceedings as I suspect IDENTITY THEFT AND SECURITIES FRAUD. PLEASE DELETE ALL INQUIRIES BELOW XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX,2023

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are fraudulent inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

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 2024-04-30 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 see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Auto Loan opened XX/XX//23. 
On a monthly basis for the last 6 months I have been paying an extra {$500.00} to pay down the principal. As directed by Wells Fargo I have called a few days after each monthly payment was posted and asked that the extra XXXX be used for the principal payment. No issues until today when the team leader for Wells Fargo explained they do not do this anymore unless I sign up for Auto Pay. Well, with the numerous phone calls no representative had informed me of this change in policy. She said a letter was being sent out. I asked how can you implement a policy without communicating the change in policy. Wells Fargo can play back all my recorded calls as they did not do due diligence in this matter. I asked to speak to a XXXX but they were unavailable.

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 2024-04-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX XXXX XXXX XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX Dear Sir/Madam, I am writing to formally dispute inquiries made by XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX  via 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  and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( XXXX ), ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on my credit report. Upon reviewing my credit report, I noticed an inquiry from XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX via XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX that I did not authorize, and I believe it violates the provisions outlined in the U.S. Code 1681.

According to U.S. Code 1681, any inquiry made into my credit report without my explicit authorization is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have not applied for any credit or services with [ XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX ] nor have I granted them permission to access my credit information. 
I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX for violating federal law. Additionally, I would like to request a copy of the investigation results once the inquiry dispute has been resolved. 
Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry and any supporting documentation I have regarding this matter. 
Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 
Sincerely, 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 explanation
Consumer complaint received 2024-04-30 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: KY

Complaint narrative:
As a consumer I Am a victim of fraud. I review my credit report and came across unauthorized accounts and information on my credit report from Experian, XXXX, & XXXX. I am submitting a complaint to fix this issue so I can continue with my life. 

I uploaded proof and evidence to support this complaint. Please help

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 2024-04-30 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: MO

Complaint narrative:
Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-04-30 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: MO

Complaint narrative:
Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-04-30 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-30 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: NJ

Complaint narrative:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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