vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: AZ

Complaint narrative:
I originally placed my order on XX/XX/XXXX and was approved for a 24 month lease with {$0.00} down. With all fees included, my lease offer was {$660.00} monthly with {$2400.00} due at signing ( quoted {$620.00} monthly at the beginning of the application ). Right before scheduling delivery, I became aware of a price cut for leases on the same vehicle on the Tesla website. Earlier today, my original lease terms were cancelled and I was informed I could submit a brand new application to get the current terms listed on the site. When I completed the application, I was quoted the lower terms that are currently shown for new customers ( quoted {$540.00} at the beginning of the application ). Upon approval of my lease application today, I was given the exact same terms ( {$660.00} monthly with {$2400.00} due at signing ). Before deciding whether or not to take delivery of this vehicle on XX/XX/XXXX, I need explicit written confirmation from the Tesla financing department of which is true : A. The new application I submitted for a lease today on XX/XX/XXXX was disregarded because I originally placed the order on XX/XX/XXXX and was approved for/accepted different lease terms originally. Because it was the second lease application I placed on the same order, the lease offer was defaulted to the original terms despite price cuts for new customers. B. The prices shown on the Tesla website and at the beginning of the application are given to select customers based on credit approval. Even though the estimate started lower for the new application on XX/XX/XXXX due to price cuts, Tesla Finance is only able to approve me for a monthly payment of {$660.00}. Therefore, even if I cancelled this order and placed another with a brand new lease application, Tesla Finance will still only be able to offer me the same {$660.00} payment for my individual credit profile, regardless of the order its attached to or changes in terms at the beginning of the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it 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 explanation
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
This i my second attempt for these CRA 's to do as they are required to by federal lawand for the protections and privacy act of 1974. As a consumer, I am protected and I also have a right to opt out of reporting, i was never given proper disclosure and they never had my consent to furnish any of my information and that is a violation. Each reporting is a charge of XXXX and theres several and there's been XXXX XXXX. I also am promised that my consumer reports will be accurate at all times. I just need to notify you all. I have done that and nothing. I am not being treated faily and these persons act like thgey have the authority and the right to act on my behalf ... NOPE. I never consented to any inaccurate and negative and stressful reporting experience. 

If there is a collection, charge off, or written off and still on the reports by these agencies, they are violating the law and they are to pay me XXXX for each error. 
They are also a certificate of indebtedness and they are to have filed a 1099c, which they can not prove they did and they still report these damaginbg and harmful marks on the reports that i have a right to credit and what goes and not goes on my files. I have several late payments that are also inaccurate and are not correct. I have never been late or missed any payment. I need all these mqrks to be updated and to remain on the report for the history that i need for all the accounts that it applies. I did not consent to any of these agencies reporting inacccurate and furnishing false an unauthorized transactions. I need all accounts to show PAD in FULL/ PAID AS AGREED/ CURRENT Omit all the Bqlance due and balance owed and credit limit. i should have unlimited. Stop damaging me. I did not consent to anything that causes me pain and stress and damages me and my character. I am the consumer and written consent authorizing each and every single reporting on my files and consumer reports. 
i need these Consumer reporting agencies to update and correct these accounts without delay. I also demand that they send me proof of all the proof and concrete evidencec in the mail to me for evidence. They will not be able to because they violated me and damaged me. They must correct and update my reports and send me a copy with all the changes that they corrected because it is their fault and they need to pay for the abuse.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it 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 2024-02-27 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: IL

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I opened a savings account I deposited a check from a family friend to be able to put in my savings they had my check on hold and ended up putting it into my account so now my available balance is what the balance is and it wouldn't let me transfer to anything so I called and they said I needed to verify who I am but that was after I had called a bunch of times and they never had anyone in the office the lady said I can make the transfer of my remaining balance as soon as I verify my identity I did that and at the end she decided nope we can't do it and that they need someone to call or something I'm still not even sure what needs to be done for me to get my money out they told me my account was being closed it is still not closed it's not being closed I don't know why I want my account closed and my money out of it and they will not help me with anything they keep saying no one 's available no one 's available it's very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I previously filed a CFPB complaint disputing the validation and responsibility of this debt. CFPB complaint number : XXXX. To which the company responded on XX/XX/year> " Company 's Response This communication is from a debt collector. Thank you for notifying Professional Credit Service of your concerns. Please note that the account referenced in your complaint was cancelled from our office and returned to the creditor on XX/XX/year>. 
As such, Professional Credit Service will not be contacting you again regarding this account. If you have questions or need additional information, you may contact our Consumer Help Desk at XXXX. Sincerely, Professional Credit Service '' However, despite the assurance provided in their response, I received XXXX additional letters from PCS dated XX/XX/year> and XX/XX/year>, respectively. In these letters, XXXX stated that they had reviewed the information on their end and determined the debt to be accurate and due. This stance directly contradicts their earlier communication which confirmed the account had been cancelled and returned to the creditor. Notably, this reversal of position was neither included in their initial response to my complaint nor was it communicated to me beforehand, leaving me without the necessary information to understand or dispute their renewed claims. 

This continued correspondence from PCS, following their explicit assurance that I would not be contacted again regarding this account, not only causes confusion but also distress. It suggests a lack of internal consistency in handling disputed debts and raises concerns about their adherence to the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding the cessation of communication upon a consumer 's dispute and request for validation which has not been adequately addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Mohela is ignoring the rules put out by the department of education and forcing me to recertify my income XXXX year earlier than what is required. My recertification date is listed as XX/XX/XXXX, which means I do not have to recertify my income until XX/XX/XXXX and am able to maintain my same payment amount. Because I did not recertify by their deadline, XX/XX/XXXX, they increased my payments from {$0.00} to more than {$2300.00}, with the first payment due XX/XX/XXXX. 
This is a direct contradiction to a written correspondence I received from them on XX/XX/XXXX stating my payments were {$0.00} and if my recertification date is listed as between now and XXXX XXXX, I can delay recertification by 1 year. My recertification date is XX/XX/XXXX. They sent me another letter XX/XX/XXXX stating I need to recertify by XX/XX/XXXX or my payments would increase to ~ {$2300.00}. I called Mohela and they told me I can ignore that letter, I was not due to recertify and that their systems are still catching up. 
I received the most recent notification on XX/XX/XXXX stating that because I didnt recertify my new payments are ~ {$2300.00}. They are using made up terms and rules such as first payment to justify what they are doing. They claim that because the first payment is due XX/XX/XXXX, this is after XX/XX/XXXX and I am ineligible for the extended recertification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
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 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 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 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 2024-02-27 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: AL

Complaint narrative:
I'm not connected to these creditors, and I didn't start those inquiry. I'm asking you to get them out of 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 explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX of XXXX a few transactions have taken place that I had no knowledge of and also had no access to my card. I was sent a new card 2 days after I made my dispute. First time they denied my claim I was told to provide them via email with a police report in which I did. I was denied 4 times and with the same reason they keep telling me which is the chip card was used. Again I did not have access to physical card as I repeatedly use my XXXX XXXX. When I asked to send me their findings and reasons for the denial they send me an almost unreadable scan that basically states it was denied because the chip card was used. With the police report and my statement and repeated attempts to have them reconsider their decision they remain telling me their decision stands and they refuse to give me further detailed reasons that make them believe that this {$2700.00} transaction was approved by me. I also have a friend who used to work for capital one call center and she states she left that job because they were robbing and depriving people of their money when it was such large amounts. I feel as though I have been robbed twice, once by this fraudulent person or group and now by my bank. Here it is XX/XX/XXXX and I have been fighting for my money since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this 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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Opened a Checking account because a {$300.00} bonus was offered. Met all the terms that were advertised. When the qualification period ended, the initial deposit requirement had somehow gone up from {$500.00} to {$1000.00}. I was told that I wouldnt receive the bonus because my initial deposit did not meet the requirements. 
I would not have opened an account if it werent for the deceiving bait and switch offer.

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 2024-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX of XXXX someone opened a credit card with an incorrect town and zip code at a XXXX XXXX facility. the amount is at {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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:
Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

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 2024-02-27 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: OH

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 2024-02-27 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: OH

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Original Creditor : XXXX CORNERSTONE CROSSING APTS ) XXXX Balance : {$1600.00} XXXX - XXXX XXXX Balance : {$0.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief