vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: IL

Complaint narrative:
I was trying to cancel my Discover Payment Protection by logging on to Discover.com. I could find no way to do this and the XXXX XXXX sent me to an information-only page. After chatting a second time, the agent informed me that cancelling this service could only be done by calling their XXXX XXXX phone number. This seems like an unnecessary burden on me and has the effect of increasing Discover profits. 

I was also informed that a log was being made of my chat sessions, but I couldn't find a way to keep a copy for my personal reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The Credit company experian has not responded to my request for a 1099 form for cancellation of debt meaning if the 1099 was filed I do not owe a debt of over {$9000.00}. They had to file their taxes in order to cancel the debt and discharge it or write it off under the tax law.

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 2024-09-24 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:
I have tried to handle these unauthorized inquiries with Transunion over the past XXXX  of weeks, but I did not receive any help from them. There are XXXX inquiries on my report that I did not authorize. I contacted XXXX XXXX and they sent me a form to fill out, XXXX XXXX XXXX says there is no application with my name on it. I have filed and FTC report for Identity theft and I need these inquiries removed XXXX XXXX XX/XX/24 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent dispute letters to Credit Bureaus to dispute inaccurate information from my Credit Report and I written them that within 30 days if they didn't finished there investigation than they want to delete those accounts from my Credit Report. Now its been XXXX days completed and Credit Bureaus didn't sent any investigation result or I don't know they investigate those accounts or not and not delete those accounts from my Credit Report and did fraud under FCRA law.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Oklahoma Motor Credit Company
State: OK

Complaint narrative:
I purchased the vehicle, ( XXXX XXXX XXXX ) from Oklahoma motor credit, or XXXX XXXX XXXX XXXXXXXX XXXX, around XX/XX/XXXX, the vehicle was repossessed in XX/XX/XXXX, the vehicle was sold shortly after for a unknown amount to me as I wasnt made aware of the sell, I contacted them by call and they said they werent sure but I still owed XXXX, its now XX/XX/XXXX I received a letter about a summons for court, the person delivering it failed to sign it, failed to disclose who they were, and the summons says since the cars sale it has built up a interest cost at a interest rate of XXXX XXXX for the past couple months, I have not received any contact from them or any letter besides the XXXX handed to me, I called they couldnt tell me anything, the car was unfairly sold for a low amount that is under what the car was worth, it was worth at least a couple XXXX, but I do not even know when it was sold or for how much, its been XXXX months since the repo and it has built interest since then and I was never aware of this or notified I owed a deficiency since this is the first letter received in XXXX months I have had nothing, I am being taken to court for XXXX total due, and thats not including court costs, lawyer fees I have contacted my lawyer and I am pursing legal action against them but I refuse to pay something unless they prove they attempted to sell the car fairly, which I dont believe they sold it fairly, the car loan was originally XXXX I paid it off to XXXX the car was sold for under a couple XXXX, the XXXX XXXX was XXXX, thats including the repo on record and value I checked when it was repoed. And even if I wanted to deliver the letter which I have XXXX days to deliver it has no signature the name of the person delivering it and it looks very unofficial like they wrote it themselves, I would be fine paying it, if they made a effort to collect the debt which they did not as I havent gotten anything in mail since XXXX and I contacted them to no avail and had given up. The letter is also XXXX days late as the noted date is XX/XX/XXXX and its just now arriving so I am not even sure if I still have XXXX days since it may be just XXXX, and it says if I dont respond their will extra costs. Its been XXXX months since last contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

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 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
Dates : XX/XX/year> - present Bought a used car in XXXX, at dealership for the internet ( no haggle ) price of {$9900.00} with {$4500.00} down payment & the remaining financed. In the finance office I agreed to gap insurance product from a provider and learned that Exeter Finance would be my lien-holder for 29.99 % apr. The following days I looked over the dealership & Exeter 's contracts & found that the dealer tacked on products to the final sales price nearing just over {$3000.00}. So, I contacted the dealership & the XXXX  Atty General 's office to help get everything, including gap refunded from the dealership. Atty General got the tacked on products removed quickly, and Exeter reflected the amount owed. It took me about a month & half to get gap refunded by the dealership, but with the help of filing a small claims I was finally refunded. 
My issue is with Exeter 's Apr of 29.99 %. I learned that high of an apr is usury in XXXX, and in the state of their principle offices in XXXX. Also, their apr is closer to 30.65 %, higher than what was stated in their federal truth in lending disclosure ( TILA violation ) in their retail installment loan contract. They never revised the contract to take into account Atty General refunds with respect to the amount financed, & amount of payments. Sure, I have less months to pay, but the apr is even higher with respect to the amount of payments. I read that the 0.6 % additional apr is actually a dealer recuperable charge in XXXX XXXX Exeter Finance, LLC, class action. So, it makes sense that they do not want to revise their dealer charges. The actions I have taken is file a small claims for the remaining amount I owe. They have a delegation clause ( arbitration clause ) that is wholly groundless among usury & TILA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. As a consumer, I am entitled to accurate information under several consumer protection laws. Specifically, I am citing the following regulations and statutes in support of my dispute which were violation of my consumer rights : 12 CFR 1006.34 ( b ) ( 5 ) : This section pertains to the requirement for debt collectors to provide clear and accurate information regarding the debt. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors must provide the name and address of the current creditor. 12 CFR 1006.34 ( d ) : This section outlines the obligation of debt collectors to provide additional information if the consumer disputes the debt. 15 USC 1681s : This statute, part of the Fair Credit Reporting Act ( FCRA ), requires that consumer reporting agencies and furnishers of information to these agencies ensure the accuracy and integrity of reported information. The items I am disputing are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : XX/XX/year> I revoke all rights of communication via email/text/calls from the debt collector. I am also requesting debt validation, purchase agreement between debt collector and the original creditor. Also proof that they are licensed and bonded. I do not own this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to dispute a debt that is being reported by XXXX XXXX XXXX under account number XXXX. This debt is being incorrectly assigned to me, and I am requesting its immediate removal from my credit report. Here are the details of my situation : Insurance Coverage at the Time of Service : At the time of the XXXX XXXX in question, I had valid health insurance that should have covered these expenses. I have confirmed with my insurance provider that they received and processed claims for these services. No Outstanding Balance : According to my insurance records, there should be no outstanding balance for these XXXX XXXX. The debt reported by XXXX XXXX XXXX does not belong to me and is a result of an error either in billing or insurance processing. Request for Validation : I have previously requested validation of this debt from XXXX XXXX XXXX, but have not received satisfactory evidence that this debt is mine or that it is owed. Given these circumstances, I am requesting the following : Immediate Removal of the Debt : Please remove this erroneous debt from my credit report as it is not valid. If there is any documentation that proves this debt is mine, I request that you provide it. Otherwise, this collection needs to be removed to reflect accurately on my credit report. I appreciate your attention to this matter and look forward to resolving this issue promptly.

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 2024-09-24 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: GA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-24 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: NY

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-09-24 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: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MO

Complaint narrative:
These inquiries do not belong to me, and I am not linked to the creditors listed.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize 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 explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National Credit Systems called in XXXX stating that we owed {$82.00} after moving out, I explain that this was not accurate and that I would reach out to the complex. I received an updated statement stating that we did not in fact owe money but was receiving {$180.00} from the security deposit. I received another call in XXXX for {$85.00}, I explained that we have received our deposit from the company so there was no way possible we owed this amount. This was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Tried to cash my check with my regular bank and was denied and they are closing my account soon. Also tried a check cashing place who also denied my check and did not have a reason for the denial

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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