vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
In XXXX I leased to own a XXXX Mercedes Benz after getting into the lease I later found out that I was soon to be having a child and wasnt going to be able to afford the payments and properly financially provide for my family expenses monthly childcare, rent, insurance, food, clothing unexpected expenses etc. I went to the dealership and voluntarily surrendered the vehicle at that time the sales representative made attempts to put me in another vehicle but unfortunately there wasnt anything they could do considering the budget that I had and income I was earning at the current time. The vehicle was later sold by XXXX in XXXX and was and still is showing on my credit report hindering me from purchasing a home and several other things. In XXXX I reached out to XXXX and made an attempt to rectify the matter and have it removed from my credit report. They told me that I owed XXXX and would have to pay that amount in order to resolve the matter. I offered paying them $ XXXX {$3000.00} to resolve the matter and have it removed from my credit report they then told me the amount I owed was non negotiable that the least they do for me is put me on a 17 month payment plan to payout XXXX with payments of {$680.00} I feel like the process is very unfair and unrealistic. I voluntarily surrendered the vehicle in immaculate condition as Id only had the car about 6-8 months with no missed payments low mileage and was honest about my situation. When I entered the lease I was so excited about the purchase and was confident I could afford the vehicle note I honestly didnt look into any of the fine print as to terms and agreements as I was certain it was within my budget and I would finish the lease but with a newborn child coming I knew that would absorb a huge bulk of my income so I did what I felt was the only responsible thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I request a thorough investigation into their legitimacy. Additionally, I demand verifiable proof bearing my signature or electronic signature to validate these actions. 

This letter is being sent directly by me and not through a third party. I request that you carefully review the information provided. I did not authorize the actions reflected in my credit report, and their presence constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ]. 
Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are a direct result of a data breach or the improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this issue. I look forward to receiving your response in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I request a thorough investigation into their legitimacy. Additionally, I demand verifiable proof bearing my signature or electronic signature to validate these actions. 

This letter is being sent directly by me and not through a third party. I request that you carefully review the information provided. I did not authorize the actions reflected in my credit report, and their presence constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ]. 
Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are a direct result of a data breach or the improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this issue. I look forward to receiving your response in a timely manner.

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 2025-01-13 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 am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach or fraud, and I am requesting a thorough investigation into their legitimacy. Additionally, I demand verifiable proof, including documentation bearing my signature or electronic signature, to validate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report, and their presence constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ].

Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries in question are factually inaccurate and unauthorized. These entries are the result of either a data breach or improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and promptly remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: Upstart Holdings, Inc.
State: NC

Complaint narrative:
My identity was compromised and involved in multiple data breaches. Many accounts were open in my name. This account is showing on my credit report as a charge off with a balance. I demand that it be removed immediately under FCRA 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I never received my 1099c and it XXXX  reported as a charge off

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 2025-01-13 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXXCharge off XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$16000.00} -Collection XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I request a thorough investigation into their legitimacy. Additionally, I demand verifiable proof, including my signature or electronic signature, to validate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report. Their presence constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ]. 
Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate because I never authorized them. These entries are a direct result of a data breach or improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I request a thorough investigation into their legitimacy. Additionally, I demand verifiable proof, including my signature or electronic signature, to validate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report. Their presence constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ]. 
Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate because I never authorized them. These entries are a direct result of a data breach or improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the required timeframe.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>XXXX  Balance Owed : {$56000.00} - Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-13 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170000.00} - Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX $ - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$46000.00} - Chargeoff XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I never received my 1099c and it IA reported as a charge off

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 2025-01-13 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: OK

Complaint narrative:
I never received my 1099c and it XXXX  reported as a charge off

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 2025-01-13 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: OK

Complaint narrative:
I never received my 1099c and it IA reported as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MN

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach or fraud, and I am requesting a thorough investigation into their legitimacy. Furthermore, I demand verifiable proof, including my signature or electronic signature, to substantiate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report. Their presence constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate and unauthorized. These entries are the result of either a data breach or improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within the required timeframe as outlined by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC
State: NH

Complaint narrative:
The calls started the morning of XX/XX/year> and been going on all week. The calls been happening morning evening or night. Either to my cell phone or home phone. Not always leaving a message but when they have it has been from multiple agents and it is a very vague voicemail with the person 's name the business name and looking for me and to just call them back. They even tried family. After dealing with previous credit fraud and random scams I wasn't going call them back without any legit written documentation of what they were calling for. Plus after researching the business name I got mixed results of who they were.

Company response to consumer: Closed with explanation