vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: NV

Complaint narrative:
The account details are not representative of my actual transactions and payments, causing harm to my credit standing. I request a thorough investigation to correct this issue.

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 2024-10-08 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: CA

Complaint narrative:
In XXXX I went to XXXX of XXXX XXXX and bought a used vehicle where the salesman put that I made more money even saying my partner had a job when she in fact does not work. At the same time the car has now been at the dealership service department for its second transmission to be worked on. Asking the manger what can he do to help me get out of the loan since I cant afford it and its been broken for the second time says only thing I can do is trade your car in for a more expensive car since my car is worth less now and hes losing money by buying my car at what is owed at the bank. Saying he cant take it back since they no longer own the vehicle and I should just wait for then to fix the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Several email have come to my attention from Indigo Mastercard/Concora credit . They want me to set up my account but I never applied, Ive called and asked for them to search for an account by the email address but they only seem interested in my SSN and personal information. ( Which hopefully they dont have but I am unwilling to share it to confirm ) That is when I decided to contact you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XX/XX/year> I receive follow up services by XXXX  to read my XXXX It was my second visit to this XXXX  the first was for my XXXX XXXX. This XXXX  spend less than XXXX min by XXXX  to said all is fine and asked me if I feel any XXXX  because according with him the XXXX XXXX  was XXXX. I did not feel XXXX XXXX XXXX, I did not repeat the sample. 
2 months later I got a bill for {$110.00}. The insurance said the XXXX  office probably made a code mistake. They said they cover the visit XXXX  or XXXX  to follow up XXXX  but the code the XXXX  office put was not covered and I should pay. Why? I started call to XXXX XXXX. XXXX. XXXX every month to resolve this. on XX/XX/year> they gave me a ticket # and told me call again in XXXX business days. I called them again on XX/XX/year> the lady transferred me with a supervisor. They do not have response and said the XXXX  office does not answer. Today XX/XX/year> I got a collection letter. This is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I was recently charged ~ ( 40 days ago ) an increased annual fee of {$550.00} by American Express, The provided benefits for the XXXX card recently changed so I have been planning to cancel this card during the year. I chatted with Amex to cancel my card and receive a refund, but they told me I was 8 days past the 30 day cancelation period so I could not get a refund. They notated in the chat that I could cancel this card and go to another card when would get me a prorated refund of around {$480.00}, but I was not happy with this decision, and I wanted to cancel with a full refund. The next day I tried to chat again, but the connection did not go through. I called the next day and spoke with customer service to move my available credit over and cancel the card expecting to get the prorated refund, but right after the account was canceled, I asked the representative where my prorated refund was. She responded telling me since I asked to cancel, I would get not refund. This was not what I intended to happen so I told her immediately this was not what I wanted ; I wanted the prorated amount of ~ {$480.00}. When I requested to cancel over the phone, she never educated me on the facts that I would forfeit all of my {$550.00}, not get any prorated refund, and lose all of my card benefits for the remaining XXXX months. To be clear, this phone call took place quickly since I was on my lunch break, and my intent all along was to get the prorated refund. I explained this repeatedly to the same representative immediately who just canceled my account, but she said not XXXX seconds after the cancelation, there was nothing she could do. I am now only about 40 days out from when I was billed {$550.00}, and I have nothing to show for it and received none of my money back. I explained again that I meant to do whatever would get me the prorated refund, but she said she couldn't help me. I have tried speaking with many different customer service reps and supervisors, but none have been able to help me even though they realize that I didn't mean to cancel. The customer service representative should have educated me on the advantages and disadvantages of canceling especially right after I paid {$550.00} 40 days prior ; if this had happened, I would have caught the miscommunication and mistake, and made sure the card was downgraded instead of canceled. American Express knows through my multiple phone calls that this was not what I meant to do, and they refused to help me in any way make this right. I paid {$550.00} for the Amex XXXX, and I have absolutely nothing in return and no help from Amex even though they know this was an honest mistake which wouldn't have happened if I had been properly educated before the cancelation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: WI

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. debt Please do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you have reported this debt. PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute IFYOURASS THS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/year> does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Timely Payments : I have consistently made on-time payments throughout the life of the loan, and I have documentation that supports this. The late payment reported for XX/XX/year> does not align with my payment history, which indicates no missed or late payments prior to this instance. 
Payment Processing Delay : The payment for XX/XX/year> was submitted within the required timeframe, but there may have been an internal delay in processing, leading to the incorrect reporting of a late payment. 
Dispute Already Filed : I had previously filed a dispute regarding this issue, which was marked as resolved. However, the inaccurate late payment entry remains on my credit report, which has negatively impacted my credit score. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/year> does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Timely Payments : I have consistently made on-time payments throughout the life of the loan, and I have documentation that supports this. The late payment reported for XX/XX/year> does not align with my payment history, which indicates no missed or late payments prior to this instance. 
Payment Processing Delay : The payment for XX/XX/year> was submitted within the required timeframe, but there may have been an internal delay in processing, leading to the incorrect reporting of a late payment.

Dispute Already Filed : I had previously filed a dispute regarding this issue, which was marked as resolved. However, the inaccurate late payment entry remains on my credit report, which has negatively impacted my credit score.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
we had 7 days to cancel the contract. contract signed XXXX XXXX 2023 and contract was cancel XXXX, XXXX never got anything from them until they sent out a bill. this is a scam. it was suppose to be eliminating our timeshare. after reading it carefully it was buying another timeshare so we cancel. i talked to the CEO and he told me to send him a copy of the cancellation and a copy of the certified mail receipt. I did that. he never called me back nor would he answer my calls.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the last 30 days, I have asked that an account with XXXX XXXX  ( XXXX ) be removed from my credit report because it is over XXXX XXXX XXXX. It shows a last payment date of XXXX XXXX, XXXX  ( first missed payment ) on my credit report. Last payment date was actually XX/XX/year>. While I have stated this in my dispute twice now, it still remains on 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
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account was charged off on the followin date 2020 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properlyafter I asked you to do it TWINCE and your neglect has violated my rights. I am demanding a deletion of the following account XXXX  aacount number : XXXX Attached is a letter sent by XXXX so that the negative can be removed or the account can be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX  XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof can/t be provided i demand these payments be updated to on time as they should be as i was Never late. thanks

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof can/t be provided i demand these payments be updated to on time as they should be as i was Never late. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX opened XXXX, XXXX. Fraudulent account appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer accounts, are the result of identity theft and fraud.

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