vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I dropped my car off to Plaza Kia located at XXXX XXXX XXXX XXXX NY ( XXXX ) XXXX on XX/XX/2023, at XXXX. I contacted them on XX/XX/2023 to see what the issue was with my vehicle, and they stated I needed a new transmission in which they would need to put in a code through Kia internal system to receive approval to fix my vehicle at no cost to me. I've been calling the service department weekly since my car was dropped off. They are telling me the system is down and they could not provide me with a date it will be fixed. I'm paying car notes for a car I do not have in my possession, and they are unwilling to provide me with a loaner car until my car is fixed. Please help me with 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 2023-06-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX XX/XX/2023. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-06-05 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: CA

Complaint narrative:
I am writing to you to report an unjustified derogatory statement on my credit report, which remains on my credit bureau report, including TranUnion LLC. The comment is an error because XXXX XXXX XXXX ( XXXX ) credited the wrong account for {$2300.00}. The error resulted in late fees and interest charges on an incorrect balance, as XXXX had not credited my account. XXXX received a check from XXXX XXXX XXXX XXXX on my behalf on XX/XX/XXXX, cashed it on XX/XX/XXXX, and credited it to another account error. As a result, late payments were reported in error to the credit bureaus, adversely affecting my credit ratings from the high XXXX to the mid and high XXXX. 
Since providing evidence of payments and disputing the derogatory comments on my credit report, XXXX has finally corrected their error and credited my account for the {$2300.00} and all late fees and interest charges, demonstrating that I was not in error in my dispute. However, the credit bureau, TransUnion, has declined to fix the problem because of incomplete information about the dispute provided by XXXX. They needed to report an accurate outstanding balance, the reimbursed late fees and interest charges, and a full accounting and admission of the errors by the bank. I

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 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
Citizens Financial Group had reported me as deceased in order to get me to call. On or around XX/XX/, I was reported to have no credit score. This impacted me getting an auto loan and caused my credit cards to be shut down. I called XXXX to verify, and at least it was just reported from Citizens financial group. I had to call Citizens a few times to get this resolved. It took over 1 month for my credit score to come back. Then after that there was a cascading affect of my lines of credit being cancelled and then my XXXX credit score not existing as well. This was an illegal collection tactic to get me to call their offices which caused me to waste alot of my time to get resolved. They then report the debt. 

I am certain of the bank facing Liquidity Issues, but we can explore that later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Equifax, I am writing to request that the following accounts be removed from my credit profile : XXXX XXXX XXXX and Medical Collection. XXXX XXXX XXXX XXXX It has been more than 45 days since I first contacted you regarding these accounts, and they are still appearing on my credit report. 
I mentioned I was in a Data Breach Previously & also placed a security freeze on my account fraud alert. 
I updated personal information as such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX providing my Address and as well as License for Proof of address and still theres things lingering on my account that clearly is no prove to have no connection or accurate proof to me in no way. 
I would appreciate it if you could remove these accounts as soon as possible and update my credit report accordingly. It is NOT MINE and defamation to me, due to the FCRA is also against the consumer law. This has been hindering me tremendously for far too long now. 
I WANT THIS GONE NOW so I can live my life without any financial hardship and anymore due to the negligence of the Equifax Credit Agency I am stuck in a dark place where I cant even obtain credit to help me in my dyer situations and that alone is not FAIR as a Honest and victimized individual. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
Consumer Portfolio Services is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: MD

Complaint narrative:
XXXX {$520.00} ( XXXX ) / XXXX ( XXXX ) $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ ( XXXX  ) XXXX XXXX {$0.00} XX/XX/XXXX ) XXXX XXXX {$210.00} XXXX ) XXXX XX/XX/XXXX {$230.00} ( tXXXX ) XX/XX/XXXX {$260.00} ( XXXX ) XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$110.00} XXXX I have sent letters to credit bureaus and XXXX the debtor asking to send me copies of everything they had on file to me and that has not been completed. The response i received was blank white paper with black spots, no picture!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: EQUIFAX, INC.
State: SD

Complaint narrative:
Equifax or the creditor XXXX are reporting two late payments on an account that closed 2 years prior. This is causing my loan lender to potentially deny my home purchase that was to be completed in 45 days. 

XXXX advised they havent reported since the closed date XX/XX/2022 and Equifax is advising they dont know how it happened or that it isnt on them and they wont fix the issue before my lender needs it fixed by.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have been constantly ignored and neglected. I waited a month for debit card and had to pay outside sources, in which I was immediately threatened my bank would cancel it. Most problems were in XXXX XXXX  women attacking me a XXXX XXXX  woman, and threatening to immediately close my debit card. And, their staff is not only causing internal fraud on my account, but intentionally mistreating me so I react. I am really sick about bank doing said activity to make me phone them as good things happen when I phone. So, they are bleeding me for time and money, and making what seems like victimization in their own very mentally ill mixed up design to humiliate me. Which mostly I feel is an immature and discriminatory act their causing as their desire for respect and special treatment for problems their causing. I mean how XXXX  are these people to breach fiduciary duty and not care for less fortunate human beings. Their animals, not people and their abusive in power and their responsibilities. I am not a victim, I am just smart enough to know what their front end is doing is illegal. US Bank is who institution is.

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 2023-06-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support 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 2023-06-05 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: AR

Complaint narrative:
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( h ) Notice of discrepancy in address ( 1 ) In general If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a ( p ) of this title, the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information I have been disputing via XXXX online for 2 months now & inaccurate information if still being reported to my credit report! I have called in for the last few weeks trying talk to a live customer service representative and I havent had no such luck. Also, having been put on hold for long periods of time. If I do get to a live person they said they have to put us back in QUE!! Lastly, when I call back after a mistakenly called drop on their end I still get the automated system which cant update the accuracy of my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account number : XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 consumer reporting agency can not furnish an account without my written instruction

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 2023-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account number : XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX , has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased a top by mail from XXXX ( Comminity Bank via the catalog ). Returned it a XXXX XXXX XXXX. On XX/XX/XXXX via online banking I sent in a payment to cover the shipping XXXX, which was received by XXXX and paid by my bank on XX/XX/XXXX. I was advised that payment was not received the payment so on XX/XX/XXXX I sent another payment for XXXX. They claim they did not receive the payment. The XXXX was received and paid to XXXX XXXX ( Commnity Bank ). on XX/XX/XXXX. XXXX XXXX and Comminity Bank claimed not to have received that payment. on XX/XX/XXXX I sent them {$20.00} just to get them off my back. 
I have talked to my bank and they have verified these payments were made. 
On XX/XX/XXXX, I spoke to someone named XXXX ( a manager ) who said she had located all three of the aforementioned payments in their system. She still wanted me to send in proof of payment from my Bank. I balked at this since it would t would take more time. Today, XX/XX/XXXX, I once again contacted my bank, who contacted XXXX ( Comminity Bank ) and will send proof of payment, even though Comminity has verified that they have received the payments. This is now bordering on harassment and dishonesty on the part of XXXX XXXX. I want a refund and credit from XXXX. 
I feel taken advantage of., bullied and mistreated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05 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: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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:
it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2023-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Friday XXXX I deposited a check my employer had mailed me. I did a mobile check deposit, a feature offer by my bank Wells Fargo. After the check was deposited, the app indicated {$400.00} of the funds were available now, and the rest will be available the next business day XX/XX/. I proceeded to make a XXXX payment using the {$400.00} funds available. On XX/XX/XXXX  when trying to make a mobile transfer to resolve an overdraft, the app indicated the transfer was not completed because I did not have the funds available, though, the funds were already visible on my savings account. I called the bank on XX/XX/XXXX  and spoke to a representative that informed me to contact the maker of the check because the check was on hold, and will not reprocess by Wells Fargo until XX/XX/, making funds available XX/XX/. I explained the check came from my employer. However, phone representative insisted that I needed to contact the maker of the check to clear up issue. I contacted my employer on XX/XX/, whom informed me the check appeared on their end as deposited and cashed. I immediately called Wells Fargo to relay the information my employer had told me and I was told the same information as Friday XX/XX/. I spoke to escalated rep XXXX, who once again repeated the same information finding no resolution to my problem, I explained the money is needed for my bills, and thanks to the Wells Fargo 's hold I was not able to deposit money into my overdrawn checking account and now I have incurred {$35.00} in fee. The representative refused to assist me, claiming there was nothing else to do. Wells Fargo has used misleading practices in the past, they have obviously not refrain from their activities. I did what I was instructed and yet I cant access my funds, now I will continue to get additional fees. How come I was able to use {$60.00} of the funds that were supposedly on hold? I want my funds release and any overdrawn fees from XX/XX/XXXX  and forward to be reversed

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 monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a notice on XX/XX/2023 from XXXX XXXX XXXX that my credit limit has decreased. I was not aware of the decrease, until I logged into my credit report and my credit report had dropped by XXXX points because of this decrease in my credit limit on my Venmo Visa Card. I have no outstanding balances on this card. 
On XX/XX/XXXX I called and asked why and they had no answer. I asked them to reinstate the original limit of {$6000.00} and they denied keeping the new limit of {$1500.00}. 
According to the CFBP I should have received notice of this decrease, but I did not. In addition, this decrease is affecting my credit score and the amount of funds I have access to. Please advise.

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 2023-06-05 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: MS

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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