vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I was laid off in the beginning of COVID 19. I contacted Credit Acceptance around XX/XX/XXXX and agreed to file natural or declared disaster. I was told to return the vehicle and they would close the account and wave the amount still due. Since then, they have not only took my state taxes on a closed account but also posted on my credit that it was a voluntary repo XX/XX/XXXX, and a voluntary surrender XXXX that's not what I agreed to. The balance is wrong. This account was closed XX/XX/XXXX in court. Case # is XXXX. Credit Acceptance has also pulled hard inquiries on my credit without my permission on thse dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account should've been removed on XX/XX/XXXX per court order. They should not have any access to my 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 explanation
Consumer complaint received 2022-10-18 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit report : 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 2022-10-18 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX at XXXX XXXX Received email at XXXX confirming account Login for Montgomery Ward XXXX Email was sent by XXXX. Did not set-up an account. 

XX/XX/XXXX at XXXX XXXX Received email at XXXX confirming order # XXXX. Email was sent by XXXX. Did not place an order. 

XX/XX/XXXX at XXXX XXXX Received email at XXXX with a shipping notification for XXXX # XXXX. The email was sent from XXXX for an " XXXX XXXX '' Laptop ''. This shipping notification includes my former address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I did not place this order, nor have I ever done business with Montgomery Ward. XXXX tracking # XXXX. 

XX/XX/XXXX at XXXX Received email at XXXX from XXXX Delivery XXXX ( XXXX ) confirming that my package from " SXXXX XXXX XXXX XXXXXXXX XXXX '' was delivered on XXXX  XX/XX/XXXX at XXXX MST to XXXX XXXX XXXX XXXX Unit # XXXX, XXXX, AZ XXXX XXXX A picture of the delivered package was included in this shipping confirmation. 

PDF copies of the emails referenced above are included as attachments. Should you require any additional documentation, please contact me. 

I am no longer at the XXXX XXXX XXXX XXXX address in XXXX and have lived out of state ( in Texas ) for over a year. I contacted the Leasing Office at XXXX XXXX XXXX XXXX XXXXXXXX this afternoon to see if they can reroute the package to my new address. 

I pulled an XXXX credit report this evening and confirmed that Montgomery Ward located at XXXX XXXX XXXX, XXXX, WI XXXX did a hard credit inquiry on XX/XX/XXXX. I have notified my current creditors and frozen my account on XXXX. I will be initiating a fraud/identity theft complaint with XXXX in the morning tomorrow when their office opens at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from 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 2022-10-18 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit DEPT OF XXXX XXXX, XXXX OF 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 2022-10-18 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: DE

Complaint narrative:
I have the XXXX XXXX credit card issued by Comenity Bank. I have had it for years and never been late. In XXXX 2022, I made a shoe purchase at XXXX for a total of {$110.00} and received the wrong size. Therefore, I spoke with customer service returned the shoes and included in the return box the explanation with a request for full credit. XXXX issued a partial credit for {$110.00} on XX/XX/XXXX22 based on what they called an oversight on their end. Per the {$7.00} balance, I have been charged {$90.00} in interest charges and late fees. My account was suspended, I have not been able to use it. I have been reported as delinquent to the credit bureaus. I called XXXX on a couple occasions, and was told I have to go through a disputes process. Despite the dispute the delinquency remained with additional late fees. XXXX XXXX finally issued a credit to the account for {$7.00}, which posted on XXXX/XXXX/2022. I need the interest, late fess, and delinquent history removed with a correction sent to the reporting agencies as soon as possible. I feel I've been treated unfairly and harmed as a result of not being issued the full credit on a timely basis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Have someone from your Bloomingdales credit card executive office give me a call XXXX XXXX XXXX. I applied for a card and the system canceled it due to a duplicate I applied for in store. I called credit department got someone with an attitude and was transferred to a manager named XXXX The manager helped me was super friendly processed the application told me I was approved for both a store card and AMEX. I told him I wanted the AMEX card he approved the AMEX he told me and adjusted the credit line for my purchase.

I got an email saying I got approved for the store card. EXCUSE ME??? No I asked for the AMEX repeatedly!!!!!!! And he told me would approved the AMEX. I called back and he told me Im so sorry I clicked the wrong button and chose store card not the Amex and now I have to reapply and hes going to work with a team called XXXX??? 

NO THIS IS NOT ACCEPTABLE. YOU SCREWED THIS BIG TIME. I WANT MY BLOOMINGDALES AMEX APPROVED LIKE I WAS PROMISED AND TJE CALLS ARE RECORDED. THERE ARE NO MISTAKES TO BE MADE RIGHT NOW. 

It is NOT my problem your agent accidentally clicked the wrong application selection and now I have the wrong account I want the Amex like I was approved for and this needs to be fixed!!!!!!!

Now my card is shut down I was told they would open the AMEX and it hasnt happened they closed my card promised to remove the account from the bureau and approve the AMEX!!!! Fully documented that you guys screwed up and it hasnt been fixed!!!!!!!! I WANT THE AMEX CARD OPENED LIKE PROMISED BY YOUR CORPORATE OFFICE CREDIT TEAM!!! THERE IS ZERO EXCUSE FOR THIS!!

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 2022-10-18 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX opened XX/XX/2017 XXXX {$360000.00}.

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 2022-10-18 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX opened XX/XX/2017 XXXX {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX opened XX/XX/2017 XXXX {$360000.00}.

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 2022-10-18 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: FL

Complaint narrative:
I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXR Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : 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 2022-10-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry AMEX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
I've tried to call my lender Mohela, wait time is over 3-4 hours long and get disconnected. Emails take 3-4 weeks and are copy and pasted information than answer specific questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NC

Complaint narrative:
I called Equifax to removed some inaccurate inquiries on my credit, provided all information still didnt fix it XXXX XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX  Inquiry : XXXX XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022, I contact XXXX Customer Care Center via phone call to discuss a problem I was having with my daughter 's XXXX  music account. I was ask a series of questions in order to verify my account, Per The Customer Service Rep. I complied not thinking I was giving my information to someone other than XXXX Care Center. After a few questions I became a bit suspicious of the types of questions I was being ask. At this time I began to shut down our conversation because I became more suspicious, but too late. They had already distracted my information. I immediately contact Wells Fargo Bank only to learn that monies have already been removed from my bank account in the total amount of {$1200.00}. At no time nor was it ever my intentions to charge {$1200.00}. At no time until it was too late that I knew I was talking to a scam person. Wells Fargo denied my claim because as they stated I gave and authorized this charge. NOT TRUE. I was conned out of my information and Never was it my intentions to purchase anything or have any money remove from my account. It was my intentions only to solve the problem with my daughter 's XXXX play account. I never Authorized The Removal Of The Money that Wells Fargo Bank claims I did.

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 2022-10-18 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: CA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. The item in dispute also are highlighted on the attached copy of the report I received. 
XXXX XXXX # XXXX is inaccurate because 3 bureaus are reporting 3 different high balances and also on the date of my last activity 3 bureaus are reporting 3 different dates as well ..... I am requesting that the item be deleted off my credit report due to Inaccurate reporting .... 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation