vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
End of XX/XX/XXXX Consumer Portfolio Services who are registered in Nevada, but operate out of California extended me an auto loan through a car dealership in Florida. I signed loan paperwork on XX/XX/XXXX and drove off with my vehicle thinking I had secured basic transportation for my family and I. 

A few days after I sign paperwork that says I have a car loan the dealership calls and says the bank wants more information. They need canceled check from my direct deposit. I send them what I was forwarded by the accounting department of the company. Another week or so passes by and the dealership calls and says the bank still isn't satisfied, they want bank statements. 
I sent those and a week or so later the dealership calls and says the bank isn't going to finance the loan at all because I took to long and they think I'm a fraud, which is very ironic. 

So many violations have been made throughout this buying process. I will point out the Trustee from Consumer Portfolio Services signed off on a report just two months ago saying they would not break laws. I have paperwork that says I have a loan and them backing out is fraudulent. Requesting all the extra personal information after signing paperwork is a violation of the Privacy Act of 1974. 16CFR 433.2 states preservation of Consumer claims. 17CFR424 states that they will not commit language fraud. They are also operating out of a state other than the one they incorporated in. 16CFR 444.1 states that my signature is the security for my car loan. There should not be any reason for them to take me through so much when I am already going through it in life. 

I lost love ones to XXXX XXXX during this whole process and have been stressed to the max with the shady tactics of Consumer Portfolio. Services. This has caused mental stress and anguish. I do not want another Consumer to go through this during the buying process.

Purchasing a car should be a simple process, but these fraudulent law breaking techniques make it a nightmare for so many including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My original request for Experian to correct and update information on may credit report on TWELVE of my accounts began in XXXX of XXXX. They fixed ONE account, so I followed up in XXXX of XXXX, Again NOTHING was done, so I submitted a complaint through cfpb - and the response I got was absolutely NOT what I asked them to investigate in my complaint. I made it very clear that ELEVEN of these accounts are XXXX XXXX XXXX and XXXX  ( student Loans ) and not to mention they are ALL CLOSED AND PAID IN FULL. Now their response says " they verified with the furnisher and they responded that the information is reporting accurately '' NOT ONLY IS THIS FALSE INFORMATION- EVEN IF THEY DID VERIFY WITH THE FURNISHER - IT IS REPORTING INACCURATELY. 

A PAYMENT STATUS IS SUPPOSED TO REPORT AS THE CURRENT PAYMENT STATUS. 

How do you report a payment status saying " paid was past due 120 days '' when there is no reported two year history, and it obviously shows closed and paid in full? This is an FCRA VIOLATION- it is outdate- incomplete- inaccurate - what ever word you want to use, but it is wrong and harming my credit score. - These are for the XXXX XXXX XXXX accounts there are 5 of these. 

The XXXX accounts- there are XXXX of these- are all over XXXX XXXX XXXX. They are reporting payment status as " Paid was past due 120 days '' as well as a two year history from XXXXalso per FCRA guidelines you are not to report a history older than XXXX XXXX XXXX. And they were all 6 paid in full and closed. So the payment status is WRONG and the two year history needs to be removed. 

The last account is kashable- again this account is current and has been current- they are reporting a derogatory payment status of " current, was past due 30 days two or more times '' which this again is WRONG and outdated. the thirty day late they are reporting XXXX of XXXX is INACCURATE they are the only bureau reporting that late payment and I was not late. 

So this being the FOURTH time I have asked EXPERIAN TO ACTUALLY READ THE COMPLAINT AND CORRECT THE INFORMATION THEY ARE REPORTING INACCURATELY, NOT THE FURNISHER, IF THIS IS NOT CORRECTED ON ALL TWELVE OF THESE ACCOUNTS I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT DUE TO THE BLATANT DISREGARD FOR LAW AND THIS HAS BEEN GOING ON FOR OVER 6 MONTHS!!! 

I Have included the 4 letters that were sent certified mail, Ive included my cfpb complaint that was submitted in XXXX, I included their ridiculous response, and Ive included a copy of ALL TWELVE accounts credit report with the payment statuses highlighted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I mailed a check to the IRS. It was stolen and the recipient on the check was changed. The check was then cashed. Wells Fargo says they won't help me because I took too long to tell them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I noticed that XXXX, TransUnion and XXXX XXXX XXXX were reporting incorrect information on my consumer reports. I then investigated the accounts to see when they were opened and how they were used. I came to the conclusion that my information was used fraudulently to open and misuse accounts that I had no knowledge of. I contacted the entity who allowed the account or credit line to be opened and informed them of the fraudulent activity. I then wrote three letters to each furnishing company that was reporting the information ( XXXX, TransUnion and XXXX XXXX ). I wrote a dispute on XX/XX/XXXX, requesting proof of how these accounts were opened and asking that all the information be changed to show accurate information. I then wrote another letter on XX/XX/XXXX, because I had heard no correspondence in regards to my concern of the inaccurate information shown on my consumer reports and asked that they be investigated and deleted if not deemed accurate or correct. I proceeded to call the companies on XX/XX/XXXX, to make a over the phone dispute of the inaccurate and fraudulent activity that had been placed on my report and still received any response. After a week on XX/XX/XXXX, I sent a cease and desist letter to the three companies mentioned to permanently erase the inaccurate and fraudulent information. Under the Fair Credit Act, these companies have not investigated and provided proof of accurate or correct information on my consumer reports which is stopping me to handle legal and personal business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I noticed that Experian, XXXX and XXXX XXXX XXXX were reporting incorrect information on my consumer reports. I then investigated the accounts to see when they were opened and how they were used. I came to the conclusion that my information was used fraudulently to open and misuse accounts that I had no knowledge of. I contacted the entity who allowed the account or credit line to be opened and informed them of the fraudulent activity. I then wrote three letters to each furnishing company that was reporting the information ( Experian, XXXX and XXXX XXXX ). I wrote a dispute on XX/XX/XXXX, requesting proof of how these accounts were opened and asking that all the information be changed to show accurate information. I then wrote another letter on XX/XX/XXXX, because I had heard no correspondence in regards to my concern of the inaccurate information shown on my consumer reports and asked that they be investigated and deleted if not deemed accurate or correct. I proceeded to call the companies on XX/XX/XXXX, to make a over the phone dispute of the inaccurate and fraudulent activity that had been placed on my report and still received any response. After a week on XX/XX/XXXX, I sent a cease and desist letter to the three companies mentioned to permanently erase the inaccurate and fraudulent information. Under the Fair Credit Act, these companies have not investigated and provided proof of accurate or correct information on my consumer reports which is stopping me to handle legal and personal business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Company has wrong address on file I asked them to remove it they said its accurate it is not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Company has wrong address on file I asked them to remove it they said its accurate it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a {$100.00} Vanilla Visa Gift Card as a gift and went to use it and it would not workthe package was unopened prior to me accessing it. 

I contacted the card distributor, InComm Financial Services and was told to send pictures of the card and my license to them ( I was given a XXXX # XXXX ). I did that on XX/XX/XXXX and never received a response. I explained to them that I didn't have a receipt for the Gift Card as it was a gift. 

I called them on XX/XX/XXXX to see why they haven't responded and they claim they didn't receive my email so I resent it to them. 

I did an online search and found that there have been complaints against this company where people have had the same issue. Links below. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2022 I paid off a charged-off account with XXXX XXXX XXXX 
XX/XX/2022 I received a letter from XXXX XXXX stating they issued a request to the three major credit consumer reporting agencies, XXXX, Equifax and XXXX to update the account as PAID-Charge-Off. 
Equifax updated the account AND opened an additional XXXX XXXX account causing a duplicate account to be reporting twice the negative. 
I have called XXXX XXXX twice, XXXX and XXXX and both times they have reviewed and stated that only one account with their company has been reported to the credit bureaus and theres nothing more they can do. 
XXXX I sent a registered letter along with supporting documents to Equifax requesting they fix the duplicate issue, they opened a dispute, completed the investigation on XXXX without a written explanation of the results. 
XXXX The duplicate account is still on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I received an email informing me that my credit card payment to XXXX XXXX  for {$100.00} had not been received. I went to my Citizens Bank account on-line and saw that my check ( # XXXX ) had been altered, with a different payee ( not XXXX ) and a different amount ( {$16000.00}!!! ). 
I called Citizens Bank and told them of the alteration. I was advised to go to my local branch, inform them, and open a new account. 
On XX/XX/XXXX, I received a call from XXXXXXXX XXXX XXXXXXXX XXXX informing me that they had put a hold on that check that had been deposited in a XXXX  account at an ATM ( in XXXX, MA ). 
On XX/XX/XXXX I went to my local Citizens branch, closed by old account, and opened a new one. I was informed at that time of several incidents like mine and was assured that it was clear that my check had been altered. 
On XX/XX/XXXX I received from Citizens Bank a request for information so they could proceed with their investigation. 
I sent Citizens Bank the information they requested : a copy of my bank register with the XXXX check and amount highlighted, my copy of the XXXX bill with the date of payment indicated, a copy of my last bank statement with the copies of all my checks in that time period which showed that the writing on the " pay to the order of '' line and the amount did on check # XXXX did not match the writing on the other checks. 
This information was mailed on XX/XX/XXXX. 
On XX/XX/XXXX I called Citizens Bank Complaint Department and they told me that XXXX XXXX  had been contacted. 
On XX/XX/XXXX I called Citizens Bank again and was told they would again contact XXXX XXXX  and I should contact them again in XXXX weeks. 
On XX/XX/XXXX I received from Citizens Bank the same requests that I had received on XX/XX/XXXX. 
I called Citizens Bank and was told to only needed a copy of my bank register ( which I had already sent ). I sent it again that day. 
On XX/XX/XXXX I again called Citizens Bank and was told that they still need to follow up with XXXX Bank. I was hung up by a supervisor I asked to talk to ( her name was XXXX XXXX. 

This is a complaint against Citizens Bank both for the length of time that they are not returning my money to my account and for the way I have been treated. 
Please contact me if you need any more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I disputed late payments that are showing on my XXXX account at Transunion. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. Transunion stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I disputed late payments that are showing on my XXXX account at XXXX. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. XXXX stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I disputed late payments that are showing on my XXXX account at XXXX. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. XXXX stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: NY

Complaint narrative:
My prepaid XXXX card was locked due to suspicious activity. I have tried to unlock the card by contacting Key Bank and the number provided on the card. From XX/XX/XXXX to XX/XX/XXXX, I have called that phone number every day for 4 hours at a time and no representative answers the phone. I have tried to contact Key Bank directly and visited a branch but was told the phone number is the only option to unlock the card. My funds are unable to be moved and I am unable to use the card at all with no support coming from the bank to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
BARCLAYS BANK DELAWARE is violating my privacy right by reporting the account BARCLAYS BANK DELAWARE XXXX WITHOUT my consent. No consent is identity fraud. BARCLAYS BANK DELAWARE is violating the following codes : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
A company XXXX XXXX has reopened a collection account from XXXX that has been paid over a year ago and cleared from my account with a different debt collection company. Now it has shown up again on 2 of my credit reports. I have sent a dispute and received a response and comment on my credit report " Consumer Disputes this information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
PayPal XXXX by XXXX XXXX  XX/XX/22 {$700.00} I reported it to the fraud department

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