vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
I bought a car from XXXX XXXX XXXX of XXXX it was used. The dealer sent my credit information to different loan people. I wanted to buy a used XXXX car and a used XXXX XXXX XXXX. My credit wasnt good to get both car. My boyfriend and I co-signed the application to get the cars. The dealership the bank didnt like the XXXX car and would only finance the XXXX XXXX XXXX I was told my car payment would be {$650.00} because of my credit and I didnt need my boyfriend to be a co-signer on my loan. I put a {$1000.00} down. Go back to the finance department to they tried to make me put {$1500.00}. I said no I only have {$1000.00}. Gave them the money. Next he says your car payment is {$680.00}. I said why did it go up. The financial guy said I never said it was {$650.00}. I said the car salesman told me that it would be {$650.00} until I make my car payments on time to build my credit up and then I can refinance for a lower car payment. They told me that Santander was the only one who approved my loan. I later received a letter from XXXX XXXX stating that they received my application for a car loan approval but the loan had changed and I was denied. I have not been able to refinance. Santander bank said they dont refinance and they cant do anything about the payment. They said to find a bank that would finance. Also at the dealership they told me they made the car cheaper so the bank would take it. The car was {$24000.00}. They did not make anything cheaper because by the time tags and taxes were added the total was {$24000.00}. This is not only a rip off by the dealership but also the banks. {$680.00} for a XXXX used XXXX XXXX that had XXXX miles. Im just paying interest at this point the principal isnt even going down. This is misleading to consumers and both car dealerships and banks are in on it. The banks and car dealerships make sure they help each other out to be deceptive to consumers. I should have been aware of who they sent my application to. These deceitfully and unfair banking car dealership practices need to be address. The perception of refinancing cars is very misleading to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: FL

Complaint narrative:
XX/XX/year> an account with a company named Kik Off Inc was opened with a spending limit of {$3500.00} with out my knowledge or consent. I was made aware when checking my credit score while applying for a rental house. Upon checking through trans union it appears the billing address for the company in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN

Complaint narrative:
To request the removal of medical records from your credit report, you can follow a structured approach. Heres a template for a letter you can use to dispute the medical entries. Make sure to customize it with your specific details : -- - Credit Bureau Systems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Medical Records from Credit Report Dear Credit Bureau Systems, I am writing to formally dispute the inclusion of medical records on my credit report associated with my personal information and congress passed a law to remove all medical records off consumers credit report. The details of the account ( s ) in question are as follows : - **Creditor Name : ** Credit Bureau Systems - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$830.00} Under the Health Insurance Portability and Accountability Act ( HIPAA ), my medical information should not be disclosed in my credit report. The presence of these records is not only inappropriate but also violates my privacy rights. 

I kindly request a removal of any medical accounts from my credit report. I have attached relevant documentation that supports my claim. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX - XXXX, XXXX XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
My personal information has been compromised in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My personal information has been compromised in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: GA

Complaint narrative:
I currently use NETSPEND as the financial institution for my payroll. On XX/XX/year> I went to the ATM and tried to withdraw funds from my account and was given a error for " INVALID CARD ''. When I called the customer service the rep expressed that my card was canceled online. I never did this and she couldnt explain how this happened. She ordered me a new card and I asked for it to be rushed. After receiving my card in the mail, I went back to the ATM to withdraw funds and then I found out the account had {$3500.00} stolen XXXX days after I spoke to the representative on XX/XX/year>. I called customer service and the rep told me on XXXX, XXXX hours after hanging up with the representative, a virtual card was created and the money was moved to a XXXXXXXX XXXX account transaction number XXXX. I never created an virtual card, the representative never told me this was a option and I dont have a XXXX XXXX account. I have already filed a complaint and full investigation on the employee that stole my money from my account and now I have to wait until XX/XX/year> to receive a response and possibly get a credit until the investigation ins concluded. I would like to press charges and sue this company for fraud and theft. Please advise me on what are my options. 

Below is the email i sent to my employer payroll company. 

Hello, The payment I just received from XXXX was stolen out of my account by an employee that works for the financial institution that I use. I was paid {$4000.00} on XX/XX/XXXX and when I tried to use my card the next day my card was giving me an invalid card error. When I called to find out why this was happening, I was told my card was canceled. I ordered a new card and XXXX hours later after this phone call, a virtual card was created and transferred {$3500.00} from my account. When I received my new card in the mail, I went to the ATM and then found out {$3500.00} was stolen from my account. At this moment I have already notified the company XXXX and Im awaiting their investigation and response to my claim by XX/XX/year>. I am highly upset and frustrated because I have not been paid since XXXX and this was my check I was waiting on. Can you please tell me if you or the state of XXXX can assist with filing a complaint and law suit on this company for fraud and theft. Please let me know.

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 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
To whom it may concern, I previously held a Sam 's Club Mastercard, which I seldom used. On XX/XX/year>, I paid off the balance after receiving a statement, following a few months without receiving any prior statements. At that time, the late fee was waived as agreed. 

On XX/XX/year>, I made a purchase of {$26.00} at Sam 's Club ( see Attachment A ). However, once again, I did not receive a statement until three months later, which included multiple late fees ( see Attachment B ). I contacted customer service and explained that I had not received the statement and would immediately pay the {$26.00}. Unfortunately, this time, they refused to waive the late fees. 

Later, I called back to cancel the credit card. The representative confirmed the cancellation ( while I dont have a recording, I have evidence of the phone call on my call log ; see Attachment C ). Despite the cancellation, I have since received monthly statements without fail, each including additional late fees ( see Attachment XXXX ). 

The company claims that prior statements were sent to my email. However, I could only find later emails from them, and no earlier statements ( see Attachment XXXX ). 

I firmly believe there was an intentional delay in sending the statements, resulting in unfair late fee charges. I am seeking justice in this matter and request that the harassment of sending monthly statements with late fees be stopped immediately. 

Sincerely, 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 2025-01-12 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
TRANSUNION CONSUMER RELATIONS, is reporting incorrect information on my credit report dated XX/XX/XXXX. The following INQUIRIES have not been authorized by me. 
Have contacted TRANSUNION to have these inquiries removed from my report without any success. Contacted the companies reporting this information, and they not have these requests in their system. 

INQUIRY from XXXX  XXXX on XX/XX/XXXX INQUIRY from XXXX XXXX  on XX/XX/XXXX INQUIRY from XXXX on XX/XX/XXXX INQUIRY from XXXX XXXX on XX/XX/XXXX INQUIRY from XXXX XXXX  on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CarMax, Inc.
State: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXX XXXX, inquiry on XX/XX/year> ; has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: OneMain Finance Corporation
State: PA

Complaint narrative:
XXXX XXXX, inquiry on XX/XX/year> ; has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing regarding the above-referenced account currently appearing on my credit report. As I am nearing the final payment of this debt, I would like to request a goodwill removal of this account from all credit reporting agencies ( XXXX, XXXX, and Equifax ) once my final payment is received. I appreciate your cooperation in resolving this matter and acknowledge your assistance throughout the repayment process. I believe removing this account from my credit report will serve as a goodwill gesture in recognition of my efforts to fulfill the obligation in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing regarding the above-referenced account currently appearing on my credit report. As I am nearing the final payment of this debt, I would like to request a goodwill removal of this account from all credit reporting agencies ( Experian, XXXX, and XXXX ) once my final payment is received. I appreciate your cooperation in resolving this matter and acknowledge your assistance throughout the repayment process. I believe removing this account from my credit report will serve as a goodwill gesture in recognition of my efforts to fulfill the obligation in full.

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 2025-01-12 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: PA

Complaint narrative:
Dear Experain RE : XXXX XXXX XXXX Relief, and Economic Security ( XXXX ) XXXX, Passed by Congress and signed into law on XXXX, XXXX, Contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15USC 1681s-2 ( a ) ( 1 ) ).

I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be UPDATED to as Pays or Paid as AGREED.

Account Name + Account Number Late Payment reported on ( Month and Year ). Please update the account as Paid/Current The late payments were reported during the XXXX XXXX and CONGRESS Passed a law on XXXX XXXX Stating creditors should not report any late payments. The law states the following : XXXX XXXX XXXX, Relief, and Economic Security ( XXXX ) XXXX, Passed by Congress and signed into law on XXXX, XXXX, Contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15USC 1681s-2 ( a ) ( 1 ) ). Now a furnisher of data to the consumer reporting agencies that allows its customer to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by XXXX, should not report the account as delinquent, but should continue reporting it as current, Unless the account was delinquent before XXXX related deferral or modification, are retroactive to XX/XX/year> and do not apply to charge-off accounts. 

Please reverse the late payments on XXXX and XX/XX/year> as its a direct Violation of the XXXX XXXX, Relief, and Economic Security Act. Additionally, I have never been late on The afore mentioned accounts these errors ( I found and uploaded XXXX  XXXX statement showing account was a Payment in XX/XX/year> and I paid account in full on XX/XX/year>, are the result processing issues during the pandemic.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the inclusion of certain accounts on my credit report that are older than ten years. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, negative information ( such as late payments, charge-offs, and accounts in collections ) must be removed from my credit report after seven years, and positive information is generally not required to be kept for more than ten years. 
After reviewing my recent credit report, I have noticed that several accounts listed are over ten years old, and I believe they should no longer appear on my report. I am requesting that these accounts be removed in accordance with the applicable provisions of the FCRA. 
The specific accounts I dispute are as follows : Account Name : XXXX Originals Account Number : XXXX Date Opened : XXXX Date Reported : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Date Reported : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Date Reported : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Date Reported : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Date Reported : XXXX Please investigate this matter and remove these outdated accounts from my credit file. As these accounts are now over ten years old, they no longer meet the requirements for inclusion under the FCRA, and their presence on my report is not only outdated but may also be damaging to my credit profile.

If you need any additional information to process this dispute, please let me know. I appreciate your prompt attention to this matter and expect a resolution within the 30-day timeframe required by law.

Company response to consumer: Closed with non-monetary relief