vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
SECOND REQUEST : Transunion came back on XX/XX/22 stating the account had been verified as mine but failed too thoroughly investigate all accounts listed on my report. Instead they opened and account that I was listed as closed and is fraudulently showing incorrect information after I have sent them several requests to have the following removed. They are not following E-OSCAR and Metro 2 Compliance. They are sending out letters without thoroughly investigating items on my credit report. 

Those items are : XXXX XXXXL-was listed as closed. They reopened it with a balance reporting every month which is against the law. 

XXXX  XXXX XXXX XXXX  XXXX TEXAS

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 2022-10-12 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have tried to have this account corrected multiple times even previously filing a complaint with the CFPB. This account was set to be removed from my credit report as of this year as it had been reporting past due payments since XX/XX/2015. This past month the payment history was updated to remove those past due payments to allow the account to remain on my credit report for more than 7 years. This is an unfair abusive and deceptive act. I am done dealing with Credit Acceptance and their continued practices and I am ready to file legal action against them. This account went into default over 7 years ago and needs to be removed from my credit report. Additionally, the last payment received on the account is not accurate as it was not the last voluntary payment made. The last payment on this account made by me was in 2015.

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 2022-10-12 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: MA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: MA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-10-12 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: U.S. BANCORP
State: OR

Complaint narrative:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates I am disputing will be between XXXX XXXX of 2022

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 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
So I received a call from XXXX they said I had a debt of XXXX dollars back in 2013. I was barely XXXX at the time so that isn't even possible, they claim it was with Wells Fargo I have never banked with them before. They stated that they have been trying to reach me via mail communications, I have never received anything about this. Originally I would pay no attention to this however they somehow pulled my credit report I have no idea how because the SSN they gave me wasn't even correct. They told me to call back at this number XXXX when I looked it up it was a company called the XXXX XXXX  based off of California. It looks fake because it has 1 review 5 stars and the website looks like they just threw it together last minute very poorly built with zero info about the company itself. They threatened to garnish my pay wages, repo my car and damage my credit. I believe this to be fake I just don't know how they pulled my credit.They claim that I owe a debt to Wells Fargo when I called Wells Fargo they said I have never banked with them before they could not find me in their system.

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 2022-10-12 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: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/2022 XXXX XXXX 2022

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 2022-10-12 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
In XX/XX/2022, I got notified by my XXXX XXXX card that my XXXX XXXX had dropped significantly due to a late payment. 
After further investigation, I found that my GAP card was the issue. I called the number on the back of my card and it routed me to Barclay ( with whom I had never had any interaction ). Barclay had trouble finding my account because my GAP card number had changed - without my knowledge. 
A representative from Barclay told me that they had mailed me several notices that they were now the administrator of GAP credit cards. 
I explained to them that I had elected to have all of my GAP correspondence be electronic as I travel 90 % of the time for work ( GAP also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. Barclay stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my GAP account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to Barclay, even though I had no knowledge of the change. 
If GAP wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from GAP/BARCLAY to alXXXX XXXX credit agencies be removed immediately.

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 2022-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My previous spousal consolidation loan servicer gave me bad information and made recommendations that have cost us XXXX XXXX XXXX of dollars in compounded interest. I was given bad information about my eligibility for PSLF as the holder of a spousal consolidation loan. Initially, we were encouraged to join the income-based plan because we were told we were eligible for PSLF. This was not true.

At the point where I thought we would have been eligible for forgiveness, I was then told that only payments made while both my spouse and myself were both employed full-time in public service could count towards forgiveness. So we were told to remain in the income-based program. This also was not true.

When I again tried to apply for PSLF, I was told that we did not have an eligible loan type and that my servicer was not participating in the PSLF program. I was told my loan would be sent to another servicer who was participating. Now Navient is my loan servicer. They have provided the same bad information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
**XXXX- XXXX is not the problem XXXX is the issue** I contact XXXX an explain I caught XXXX XX/XX/XXXX went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the XXXX for XXXX XXXX They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX to dispute XXXX XXXX  day delq. on my credit report report # XXXX got an update on XX/XX/XXXX nothing changed. Call XXXX on XX/XX/XXXX to find out why it didn't update, the representative at XXXX told me XXXX  stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX I contact a manager at XXXX who advise me XXXX NEVER CONTACT THEM. WHY would XXXX HAVE A REPRESENTATIVE LIE WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX  STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY 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 non-monetary relief
Consumer complaint received 2022-10-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
**XXXX XXXX is not the problem XXXX is the issue** I contact XXXX an explain I caught XXXX XX/XX/XXXX 2022 went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the hospital for 37 days. They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX22 to dispute XXXX XXXX day delq. on my credit report report # XXXX got an update on XX/XX/XXXX22 nothing changed. Call XXXX on XX/XX/XXXX22 to find out why it didn't update, the representative at XXXX told me XXXX stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX2022 I contact a manager at XXXX  who advise me XXXX NEVER CONTACT THEM. WHY would XXXX HAVE A REPRESENTATIVE XXXX WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY DID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
The debt was a storage unit that was abandoned, the contents of the unit were sold at auction and therefore the debt was paid by the money collected for the items sold. I was never provided with information on the sale of the contents, i.e. how much the items sold for. 
No one from the Aargon agency could provide me with the details on this, I requested a written accounting of the {$150.00} they claim is still owed and never received it.

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 2022-10-12 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: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/XXXX XXXX XXXX 2021

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 2022-10-12 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: OH

Complaint narrative:
I have tried to have this account corrected multiple times even previously filing a complaint with the CFPB. This account was set to be removed from my credit report as of this year as it had been reporting past due payments since XX/XX/2015. This past month the payment history was updated to remove those past due payments to allow the account to remain on my credit report for more than 7 years. This is an unfair abusive and deceptive act. I am done dealing with XXXX XXXX and their continued practices and I am ready to file legal action against them. This account went into default over 7 years ago and needs to be removed from my credit report. Additionally, the last payment received on the account is not accurate as it was not the last voluntary payment made. The last payment on this account made by me was in 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Applied for a Torrid store credit card with Comenity Bank on XX/XX/2022 and was approved for {$1300.00}. Never received card or statement, but can not get anyone on the phone, only hold music.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I paid off my vehicle in 2019 and still have not received the title with the lien released. They sent me a letter, however in Ohio you can not use the letter as the Lender holds the title. I want the title to my car that I have paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My XXXX XXXX cards were transferred from XXXXXXXX XXXX  XXXX to Comenity on XX/XX/2022 through Bread XXXX  On XX/XX/2022 there is a {$19.00} charge for Bread XXXX which I can only assume is an activation fee which I did not agree to nor authorize. I could not access my account on their website until XX/XX/2022 which is when I noticed the charge. When calling the company on XX/XX/2022, I was told that they could not tell me what the charge was for. I then requested that my 2 cards be cancelled and that my account be closed. The cards are still active and my account is still open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
A XXXX XXXX XXXX  was added to my name without my knowledge I have called the company to dispute this and they said to have canceled the card I now have on my credit report the amount of {$380.00} The account was opened on XX/XX/2021 with out my knowledge. 
I have since closed the account twice. Last time was by disputing the account on XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Forster & Garbus LLP
State: TX

Complaint narrative:
Forster & Garbus filed a lawsuit against me at an address I haven't lived at in 4 years. I called the court and let the courts know, and they put a note in my account and also requested that all dates be virtual going forward and they told me to call Forster & Garbus to find out what the lawsuit charges are for. I then called Forster & Garbus to let them know that I do not live in NY state. I also knew nothing about the charges so I asked them what the charges are for. They read off a creditor name that I did not recognize and asked me to pay somewhere upwards of {$3000.00} for the charges ( despite me never seeing a breakdown of these charges ). I informed them that I live across the country, and have for XXXX years. I then asked for the dates of these charges, and the date of delinquency/last payment. They said the date of delinquency was in 2015, which would be past the NY State statute of limitations, which is 3 years. They also never provided the documentation to prove the debt. When I brought this up, the person I spoke to, got agitated when I brought this up, and said they were not a lawyer. I then asked to speak to the lawyer, as I'm a pro se self represented litigant. She said " he's not here right now ''. I mentioned the statute of limitations again, and they tried to strong arm me and give me an ultimatum to pay them, or " just go to the courts then '' knowing I live across the country ( in a completely different zip code ) and I would spend more money on plane tickets and transportation to even get there and back. I also have a XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and can not just fly whenever I feel like it. I have to speak to my doctor who will then tell me if it is safe to fly. I can provide my hospitalization records to show that, if needed.

Company response to consumer: Closed with explanation