vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 non-monetary relief
Consumer complaint received 2024-02-15 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:
Equifax sends letters that there are no such items on my credit report when it is. Please see below. 

I have notified Equifax continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from Equifax & creditors stating the information on my report is accurate when it is not. 

The fraudulent items are : XXXX XXXX XXXX XXXX {$1100.00} and XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents from XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX with fraudulent things I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to Equifax on XX/XX/XXXX, via postal service PS FORM XXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt. 

I saw more information after the XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX which was faxed to the number the Equifax Fraud Specialist suggested- number XXXX XXXX pages at the XXXX  store I federally awarded the settlement of my claim of fraudulent information on my credit report from the Equifax Data Breach on XX/XX/XXXX I faxed the award letter ( Equifax Data Breach ) and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, and social security number. Please remove the items : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: IL

Complaint narrative:
According with the FAIR CREDIT Reporting act. XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, and XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C.1681 SECTION 602 A. STATES I have right to privacy.

15 U.S.C.1682 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I didn't give written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Mercedes-Benz of XXXX  and Mercedes Financial regarding an egregious case of XXXX  and XXXX discrimination that I have experienced in relation to a vehicle lease. My name is XXXX XXXX, and I am deeply troubled by the unethical and discriminatory practices employed by these companies. 
On XX/XX/2023, I visited Mercedes-Benz of XXXX  and XXXX with XXXX XXXX to address my dissatisfaction with the terms of my lease for a 2023 XXXX XXXX. XXXX XXXX assured me that I could transition into another vehicle, specifically a XXXX C-Class, with lower monthly payments and without any penalties associated with terminating the current lease agreement. Encouraged by this offer, I agreed to proceed with the transaction, making a deposit of {$5000.00}. 
However, on XX/XX/2023, when I accessed the Mercedes XXXX XXXX to make a payment on the newly leased vehicle, I discovered that the XXXX  XXXX was still listed under my account, indicating that the promised termination of the lease had not occurred as agreed. This discrepancy immediately raised suspicions of foul play and led me to believe that I was being racially targeted and subjected to bait-and-switch tactics. 
Subsequently, on XX/XX/2023, I received a late payment notice for the XXXX  XXXX, which had a detrimental impact on my credit score due to the reporting to credit bureaus. Upon contacting Mercedes Financial on XX/XX/2023, I was informed that the XXXX  XXXX was still in their possession, despite the transaction allegedly being completed on XX/XX/2023. Shockingly, I was told that I could not retrieve the vehicle, implying that it had been sold off without my consent or knowledge. 
It is abundantly clear that I have been victimized by the deceptive and discriminatory practices of Mercedes-Benz of XXXX and Mercedes Financial . Their actions not only constitute a breach of trust and contract but also reflect a deeply ingrained culture of XXXX XXXX  and exploitation within their business operations. 
I implore the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Mercedes-Benz of XXXX and Mercedes Financial to ensure accountability for their reprehensible conduct. Additionally, I seek restitution for the financial losses incurred as a result of their actions, as well as measures to rectify the damage to my credit history. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold its commitment to safeguarding consumers from such injustices. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Fraudulent transaction on my Citibank credit card used to purchase tickets via XXXX for XXXX XXXX XXXX game on XX/XX/23 in XXXX. I've never been to a football game in XXXX, I live XXXX miles away. XXXX sent these tickets to a email address ( and IP address ) that is not mine. In fact Citibank notified me of this charge and closed out that credit card & issued me a new credit card because of this transaction. Citibank gave me a provisional credit on XX/XX/23 but then on XX/XX/23 reversed that charge saying that they have closed their investigation and determined it was a valid charge ( see attachment ). XXXX emailed these tickets to " XXXXXXXX XXXX XXXX '' ( see attachment ) and that person enjoyed a football game at my expense. I have visited & spoke to Citibank on numerous occasions but they are not willing to do anything. I'm in the process of closing out my checking & savings accounts at Citi.

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 monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Theyve been calling every work day for about 3 months before XX/XX/2024. The one time I answered, I couldnt understand anything they said and thought it was a wrong number, this happened 2 xs so I never answered until today. It was Sunrise Credit Services XXXX ( XXXX ) XXXX stating I owed a {$1500.00} XXXX XXXX XXXX bill. Ive never used any XXXX XXXX XXXX service. They need my name and number and asked for the last 4 of my social. I was not going to give them the last 4 as I had no idea who they were or what this was about. They told me that was fine and theyd strike my credit rating. I then called XXXX XXXX XXXX to see if XXXX might have spoofed my info and created an account. There was nothing under my name or number. I did some searches to see if Sunrise was a scam, most results stated, no. I called them back, gave them my name. They knew it was for an XXXXXXXX XXXX  XXXX bill. I once again reiterated that I never used XXXX XXXX XXXX and that I had just called XXXX XXXX XXXX to make sure they had no record of me. They said theyd note the account. Ive worked many years to create good credit and I dont want this bogus charge to ruin that.

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 2024-02-15 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: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
I am trying to purchase a home and I recently reviewed my credit profile and noticed inaccuracies incomplete information, and Unverified accounts. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety, or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment and written/charged-off on my credit report : XXXX XXXXXXXX : Account number XXXX ( Account Charged Off XXXX  XXXX Written Off {$4100.00} XX/XX/XXXX ) XXXX XXXX XXXX : Account number XXXX ( Account Charged Off XXXX XXXXXXXX Written Off {$410.00} XXXX XXXX ) XXXX XXXX XXXX : Account number XXXX ( Account Closed as of XXXX XXXX ) XXXX XXXX XXXX : Account number XXXX ( Account Closed as of XXXX XXXX ) XXXX XXXX : Account number XXXX ( Account Closed as of XXXX XXXX  ) I demand these accounts be Deleted from my credit report Immediately. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my 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 2024-02-15 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: GA

Complaint narrative:
I am trying to purchase a home and I recently reviewed my credit profile and noticed inaccuracies incomplete information, and Unverified accounts. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety, or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment and written/charged-off on my credit report : XXXX  XXXX : Account number XXXX ( Account Charged Off XXXX XXXXXXXX Written Off {$4100.00} XX/XX/2024 ) XXXX XXXX XXXX : Account number XXXX ( Account Charged Off $ XXXX Written Off {$410.00} XX/XX/2024 ) XXXX XXXX XXXX  : Account number XXXX ( Account Closed as of XX/XX/2024 ) XXXX XXXX XXXX XXXX  Account number XXXX ( Account Closed as of XX/XX/2024 ) XXXX XXXX XXXX Account number XXXX ( Account Closed as of XX/XX/2024 ) I demand these accounts be Deleted from my credit report Immediately. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my 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 2024-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MI

Complaint narrative:
I completed a wire on XX/XX/XXXX in the amount of {$260000.00} from My own account at XXXX to my account at Commerica Bank. When I logged into my account on XX/XX/XXXX the money was shown available. On XX/XX/XXXX the money was shown available in my mobile banking all the way until I came into the banking center looking rough and dirty in construction atire and asked for a Cashiers Check, so that i can handle some investment transactions. The rude teller placed my funds on hold and told me that they have detected something suspicious about my wire/fraud transaction. They sent me away and told me someone will give me a call, and that that was the best that they could do. No one ever called me. They gave me a number that did not work either. Now I'm stressed out wondering what is going on with my {$260000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: NY

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should 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 non-monetary relief
Consumer complaint received 2024-02-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Request for Assistance in Removing Unauthorized Inquiries from TransUnion Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving an issue I am currently facing with unauthorized inquiries on my TransUnion credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX VA XXXX My contact information is XXXX and XXXX I recently reviewed my credit report and discovered several unauthorized inquiries made by TransUnion. These inquiries have negatively impacted my credit score and financial well-being. I believe these inquiries are inaccuracies and do not represent any legitimate business transactions or credit applications initiated by me. 
I have taken the necessary steps to dispute these unauthorized inquiries directly with TransUnion, providing them with all relevant information and supporting documentation. However, despite my efforts, the inquiries remain on my credit report and the wrong address, causing undue stress and concern. 
I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter and assist me in ensuring the removal of these unauthorized inquiries from my TransUnion credit report. I believe that this situation violates my rights as a consumer, and I am seeking a fair and timely resolution. 
Enclosed with this letter, you will find copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation I have submitted to TransUnion during the dispute process. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to address and resolve this issue. If further information is required or if there are additional steps I should take, please do not hesitate to contact me at the provided email address or phone number. 
Thank you for your time and assistance in rectifying this situation. 
Sincerely, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: TX

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 2024-02-15 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: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2024-02-15 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: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2024-02-15 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: OK

Complaint narrative:
Request a copy of credit report there were accounts that didnt belong to me so I contacted my bank to have they freeze all my accounts until further notice

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 2024-02-15 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: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to 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 non-monetary relief