vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: TX

Complaint narrative:
Late XXXX ( XX/XX/XXXX ), I received a Tesla XXXX as a brand new car. This car was sold with a prior owner and accident. During the purchase process it was never disclosed to me this car had a prior owner and accident. I would have not accepted the car if it were disclosed to me. 

I have tried communicating with Tesla, but they claim they dont have an answer for me yet. Its be month+ since Ive submitted my request with them. 

In mid XXXX, my car got hit while parked. I went through the process of repair and then submitted a diminished value claim which was denied due to prior accident. The car had been in an accident a couple months prior to my ownership which was repaired months after the accident. I am having an emotional roller coaster with how I feel about the car. There 've been issues with the car here and there which I just thought were factory related issues. 

Tesla failed on multiple occasions that they will not work with me, and was hoping to get legal counsel to help out with.

1. Car was sold with prior ownership.

2. Car was sold with previous accident.

3. The car 's previous history was not disclosed to me.

4. Tesla provided the false sense that this car was sold as brand new.

5. At one point they had a warrant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have no knowledge or dealing or ever signing any contract and agreement with MIDLAND CREDIT MANAGEMENT who flagged my CRA account as Collections on XX/XX/XXXX 
Source : XXXX XXXX : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$5900.00} I am currently under the status of Civil Relief Act ( SCRA ), 50 U.S.C. 3952 AB 3212 and will have to work with the MILITARY SUPPORT DEPARTMENT of XXXX, where you have no jurisdiction as a third-party vendor to flag my CRA accounts XXXX I have already sent all creditors certified mail and cced all CRA bureau. Have whomever you are collecting debt for contact me directly as a ServiceMember under uniform code 50 U.S.C. 3952 AB 3212.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Date opened XX/XX/XXXX Details XXXX XXXX Additional information Account is in violation 15 usc 1681a Account collections XXXX written off. XXXX past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 XXXX shows payment history from XX/XX/XXXX delinquent and a past due balance and collection status with one month term Equifax collection past due no term unpaid status XXXX show no payment history opened account no term no status All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Date opened XX/XX/XXXX Details XXXX XXXX Additional information Account is in violation 15 usc 1681a Account collections XXXX written off. XXXX past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 Experian shows payment history from XX/XX/XXXX delinquent and a past due balance and collection status with one month term XXXX collection past due no term unpaid status XXXX show no payment history opened account no term no status All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I sent in a check for a large sum of money ( thousands of dollars ) to pay off my card. Jet Blue cashed it but didnt apply it to my account. I have called them every day and they cant find the check even though I sent them a copy of the returned cashed check. They give me a different story every time I call. I have emailed the given email for resolutions but the emails go unanswered. I just want them to credit my account I have proof they cashed the check!! I sent it to them.

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have always made timely payments on this account, and as such, I am requesting that the late payment be removed from my account.

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 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
I was the power of attorney for my mother. Since her passing, Ive been trying to become successor in interest. My brother and my sister and I were heirs to the property in question. My brother and sister declined to be financially attached to the property. And I elected to the successor in interest. Since I submitted my mothers death certificate back in XXXX, I have been railroaded by the mortgage lender, and very disrespected. All the while all Ive wanted to do is clarify who I was, and turn in the documents needed in a timely manner, so then I could assume the notes and find a way to Budget the financial obligation I had. When I kept getting documents sent to my home stating I was not verified because my identification was not legible? I found it very odd and so I kept submitting it over and over and over countless times I believe it was at least 10 times if not more over the course is it Five years weve been living in the home. What I found very odd also was that I went to XXXX XXXX County clerks office to record the affidavit of airship. They asked for my identification, which is clear to me that I wouldve been identified in all aspects of pertaining to the mortgage. Also, since I was power of attorney for my mother the mortgage lender had every knowledge ofI who I was because I showed my ID to become a power of attorney and it is on record, and I have document to prove that as well. No, it is true. My husband and I both became sick. My husband had XXXX I have a XXXX. My husband also suffered a XXXX XXXX and could not work, hes in XXXX and works very hard and its very hard for us to get from one day to the next. It seems some times and were not young anymore. But we want to fulfill our obligation as homeowners and we want to work with the company but I dont see how they can tell me that they can not read my identification or find away promptly, and it just state that in the logbooks that they must identify me as a successor in interest, and give me that afforded me that up of opportunity. And another thing whenever the documents were in their eyes verified they said I was too late that the sale had already started and they had sold my home. However, I received a letter stating that they still needed on my document and that I had 90 days from XX/XX/3020, XXXX XXXX business days to respond and get it in which I did. But all in all the home have been sold underneath me even though the very next day XX/XX/XXXX, I spoke to a representative from the company and they assured me that it did not sell and that they were taking the home off of foreclosure list. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander Consumer USA accepted a fraudulent loan with forged signatures. Santander Consumer USA failed to respond to consumer questions and acknowledge errors.

Santander Consumer USA failed to agree to terms and conditions stated in prior lawsuits, particularly language involving " moving forward '' for future loans. They were obligated to adhere to strict conditions and failed to do so.

Santander Consumer USA continues to lie and harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I have new and updated information regarding complaint number : XXXX XXXX XXXX XXXX XXXX XXXX. and Hayt Hayt & Landau, P.L. are debt collectors who are attempting to collect an unvalidated debt that they refuse to provide documentation for me The Consumer to assess and validate the accuracy of their claims. XXXX XXXX  XXXX, XXXX. furnished my personal information to Hayt Hayt & Landau, P.L. without my consent. Hayt Hayt & Landau, P.L. used my personal information to contact my employer without my consent in attempt to cause me harm by impacting my employment status with their extortionate collection attempts. Last, XXXX XXXX XXXXXXXX, XXXX. and Hayt Hayt & Landau, P.L. have threatened to take my property by filing an unauthorized legal action within an unauthorized venue in their attempt to collect this unlawful and unvalidated debt.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as 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 non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have Medical debt on my Experian credit report that is under {$500.00}. A statement they released stated all medical dept under {$500.00} gets dropped from credit report, and they refuse to do so without explanation. I filed a dispute and they left the debt on the 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 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have always made timely payments on this account, and as such, I am requesting that the late payment be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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:
According to USC 1681g, I request that you delete these fraudulent accounts from my credit report within 15 days as they are not mine and I have no knowledge or authorization of them.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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:
This inquiry on my credit report is unauthorized and has no relation to me. Kindly remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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:
This inquiry on my credit report is unauthorized and has no relation to me. Kindly remove it from my credit report 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt. 
it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed 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 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Today, I learned that Capital One has 2 accounts under my social security number. I only applied once for my credit card. I assumed it was still the same. But today I learned that the original ( XXXX ) account that I have isnt the original account. It was closed. Capital One never informed me about this change! Ive contacted them several times, before these ridiculous interest rates went into place, asking for help lowering my interest rates. NOT once could I get any assistance from Capital One! Yet here it is, theyre benefiting, ripping off consumers with every new interest rate increase! NOT to mention they provided NO assistance nor gave any information about changing my original account! But Capital One is quick to charge more, close, and have records of XXXX accounts on their books for the only account that I created with them. Having me only learn about their deceptions by inquiring again about Capital One, over inflated interest rate charges for balances being paid prior to the constant interest rates hikes by the federal government. All are a bunch of thieves! Let all the banks collapse! I was informed also by the operator that they closed the original ( Sparks ) account and started the account I assumed was the original one I am still paying off. Operator also said that according to the original documents I agreed too, Im being held to those and their terms, while Capital One is above any laws the ordinary consumer knows anything about! I asked for help, got nothing!!!! Told NO! NOTHING about any of the changes mentioned either!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
This is a payday loan from XXXX it should not be showing on my credit report at all, as I was not informed before that this would be reported. If it is legal it should be reported with the correct dates and not XXXX of XXXX, with no payments. Its ridiculous that I have to keep disputing this information which is absolutely wrong and that anybody can report whatever they like on your credit report with properly disclosing this prior to reporting it. I have had no dealings with this company for years and certainly not last year!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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 have no knowledge of these ACCOUNTS and I am certain they are fraudulent. I am requesting that you take immediate action 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