vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: Innovate Managed Holdings, LLC
State: IL

Complaint narrative:
Recently, I did an investigation of my credit report and found several items to be inaccurate. 

Under 15 U.S. Cod 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of information concerning the individual about whom the report relates. 

It is my understanding that you will reinvestigate to ensure accuracy. 

XXXX : Account : XXXX XXXX XXXX XXXX : Innovate Loan Servicing XXXX : Personal Information : XXXX XX/XX/XXXXXXXX Employment : XXXX XXXX Bank Addresses Reported : Hard InquiriesXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have not supplied proof underneath the doctrine of estoppel by silence, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8 L owe no debt, this company is violating my consumer right to privacy.This company has no permission to report my information per 15 USC 16814.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I purchased several Vanilla gift cards for mothers day gifts 2024, only to never be able to use the gift cards. the people i purchased them for tried using them at several stores and they did not work, so i told them to return them to me and i will reach out to the company. i reached out to the company the first time in XX/XX/year> and i was told by an agent that the cards were locked for an unknown reason and unable to be unlocked, so i could throw them away, and was given case numbers and i would receive a refund via check in the mail in XXXX weeks. Fast forward to XXXX 2024, a month later, i had not received a check so i reached out to the company again. i gave them the case numbers and was told by a different agent that i did not submit the required documents for a refund. the first agent did not tell me i needed any documentation but said i was good to go so this was a shock to me. so the second person gave me an email to send the documents to and told me to wait another XXXX weeks for the refund via check. Now it is XX/XX/year>, still no refund. I reached out to Vanilla gift again today and they act as if they never received the documents although i have a confirmation email. They are now telling me to send the same documents again only this time to include that the first agent told me to throw the cards away. They also told me to wait XXXX more weeks for the refund, which will be close to XXXX months of me waiting for money i spent but never got to use. I have been getting the run around and out of close to {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Account Number # XXXX-Joint Installment Loan from Bridgecrest Credit Company LLC : 1. Source of dispute information : The attached report from XXXX has the account balance, dates and payment history listed inaccurately. 

2.Type of disputed information : the debt listed is not accurate, it does not reflect a complete accurate record of payment history or amounts 3.Dates associated with item being disputed : loan became 30 days late as of XX/XX/XXXX but is reported incorrectly, on several credit bureaus. 

4.Explanation of item being disputed : My reports inaccurately lists past payment activity, incomplete payment history and I am unable to reach any agreement with this creditor. 

5.The creditor refuses to provide any more details or information about the closed installment loan # XXXX from Bridgecrest Credit Company LLC . I have sent a debt verification letter certified mail, they answered with a few documents, but not what was asked of them, So next, I sent them a Dispute Letter, they only resent the same information they provided prior. 

6.They have not provided proof and explanations of ALL fees, reversals, chargebacks associated with this account and only sent me a document without no further explanation of said fees, and reversals. They do not SHOW up on my bank statements at all XXXX XXXX. So XXXX said all reversals or ( chargebacks inquire fees it should be there ) It's not, which is fraudulence and bad business tactics to get more money from us. I tried everything I called to no avail they keep damaging my credit reports this account is over 7 years debt XX/XX/XXXX. 

I want it DELETED from all credit reports this is affecting me and my husband livelihood. 

I am in the process of purchasing a home as I nor my husband XXXX XXXX can get approved because of BRIDGECREST. Their tactics are unethical and flat out deceptive. 

Please HELP US my score was in the low XXXX 's, Now in the mid XXXX XXXX XXXX. I have worked so hard to be able to correct my past mistakes especially since this was during the year of XXXX, we both lost our fathers due to XXXX, our car and businesses due to the pandemic! 
Please publish this so no one else goes through what we have experienced with XXXXXXXXBRIDGECREST they are the WORST company to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year> I applied for a loan modification review. It was granted in early XX/XX/year>. In late XXXX Wells Fargo 's attorney filed for foreclosure. They neglected to tell the attorney about the modification until our second hearing in XXXX, that the modification was acknowledged in open court. They were sending me communication requests from the underwriter then they stopped. I have not been able to get detailed timely information since. They have also been calling the wrong number to contact me and won't correct the problem. They have also gone out of their way to get XXXX XXXX not to speak to me as well. I need communication with the servicer directly to proceed.

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 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo declined credit card application based on an outdated credit report/score. 
The initial application was sent on XX/XX/year> ; XXXX more reconsideration attempts were sent and they were denied. The most recent application was sent on XX/XX/year>. 

Turns out my credit report with XXXX was not updated till XX/XX/year>. The update contains favorable new information. 

I was informed by Wells Fargo that the only credit bureau that will be considered in their underwriting is XXXX XXXX. 

In both my reconsideration requests I explicitly indicated that in the new report my credit report and score are updated. However, the notification letter I received ( in the Fair Credit Reporting Act section ) indicated that reconsideration decisions were still based on the old, XX/XX/XXXX, report. 

Contacting XXXX proved that the only, single Wells Fargo inquiry on my report occurred on XX/XX/XXXX. 

This brings me to complain that Wells Fargo Card Services is not obtaining latest credit report in underwriting, despite my explicit request and acknowledgement from their customer service representative to do so. 

For a desirable resolution, I'd like Wells Fargo Card Services to consider the application with the latest credit report/score from a credit bureau, and continue provide appropriate notice associated with the outcome of applications. 

Credit card account application # 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 2024-07-10 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: AL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is violating my consumer rights per consumer laws 15USC 1666B and 15USC1681b, 15USC6802. I request deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of 2018, my XXXX credit card stolen and maxed out. I immediately notified XXXX of this but they did not close my account. They continued to come after me to collect the balance of the card that was run up by the thief. 

They began to report negative information to all credit bureaus that I was delinquent and that they eventually closed the account. The account was then given to an attorney who sued me for XXXX  in XXXX XXXX. I provided affidavits and documentation of the identity theft and the lawsuit was dismissed. 

I've been trying for YEARS to get XXXX to stop reporting this incorrect information. In the past month, I've sent XXXX separate affidavits demanding that they remove the information and included my personal identifying information, police reports of the theft, copies of the lawsuit information, pictures of my driver 's license, pictures of my social security card, and a copy of a utility bill. XXXX did not even investigate this claim. They merely sent a standard letter saying they couldn't find my account and I would need to fill out another form. This has gone on for years. 

My credit has been ruined. I can't even qualify for a new house because of XXXX failure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
In XXXX of 2018, my XXXX credit card stolen and maxed out. I immediately notified XXXX of this but they did not close my account. They continued to come after me to collect the balance of the card that was run up by the thief. 

They began to report negative information to all credit bureaus that I was delinquent and that they eventually closed the account. The account was then given to an attorney who sued me for XXXX in XXXX XXXX. I provided affidavits and documentation of the identity theft and the lawsuit was dismissed. 

I've been trying for YEARS to get XXXX to stop reporting this incorrect information. In the past month, I've sent XXXX separate affidavits demanding that they remove the information and included my personal identifying information, police reports of the theft, copies of the lawsuit information, pictures of my driver 's license, pictures of my social security card, and a copy of a utility bill. XXXX did not even investigate this claim. They merely sent a standard letter saying they couldn't find my account and I would need to fill out another form. This has gone on for years. 

My credit has been ruined. I can't even qualify for a new house because of XXXX failure.

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 2024-07-10 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: IL

Complaint narrative:
Today I looked at my credit reports and noticed inquiries that are inaccurate on my report. These inquiries violates my consumer privacy rights under 15 USC 1681. 

XXXX XXXX Via Dealer, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

I attached proof.

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 2024-07-10 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: IL

Complaint narrative:
Today I looked at my credit reports and noticed inquiries that are inaccurate on my report. These inquiries violates my consumer privacy rights under 15 USC 1681. 

XXXX XXXX Via Dealer, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 

I attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: AL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing XXXX XXXX and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: KS

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year>

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