BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am items connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi I'm XXXX XXXX I'm a consumer summiting a complaint as a victim of identity theft. Experian, XXXX. has used and abused my personal information by furnishing my Non public information to other companies. This sharing of my personal information was not disclosed to me in writing. My right to privacy as been violated under the Gramm Leach Bliley Act of 1999. These violation need to be addressed As soon as possible as it has resulted in me being victim of identify theft. I demand all stated accounts be removed from my credit report with in the next 4 days as stated in law under under 15 U.S. Code 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-11
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As of recent I've applied for an auto loan but the dealers ran my credit giving me multiple hard inquirers hindering my ability to gain approval from possible lenders. Also in my adverse action letter they are telling me due to limited credit history that they are unable to extend me credit. First, I feel that I am 100 % credit worthy and from my understanding, ( legally ) limited credit history is not a legal reason to deny me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVN and XXXX XXXX are in violation. XXXX is where I have made multipule disputes and XXXX states its verified. I have requested validation as well as the buyers purchase agrements. I have recieved nothing. It has been over a year. They by law have to be removed if not able to supply validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts : XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} I sent a request to validate them last time but they are still erroneously reported on my file This was already included in my prior COMPLAINT, and I'm including it again.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : LIKE I SAID IN MY PREVIOUS LETTER This is my final & last LETTER ( AGAIN ) AND FINAL LETTER. MY IDENTITY WAS STOLEN!!! THIS IS NOT SOMETHING TO PLAY WITH SOMEONE'S LIFE AND LIVELYHOOD! 

ATTACHED TO THIS LEGAL BATTLE I HAVE AN OFFICIAL POLICE REPORT FROM THE XXXX POLICE DEPARTMENT DUE TO IDENTITY THEFT AND THE REASON AND CAUSE OF THESE FRAUDULENT ITEMS BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT! .THEY ADVISED ME TO TELL YOU WHEN I SEND YOU THE POLICE REPORT THESE ITEMS NEED TO BE BLOCKED AND REMOVED IMMEDIATELY!!! .I DEMAND THESE ACCOUNTS ACCORDING TO THE LAW BE REMOVED IMMEDIATELY IN A TIMELY MANNER WITHIN 5 DAYS ACCORDING TO THE LAW! .THE POLICE REPORT -INCIDENT # : XXXX. These items need to be deleted/removed from my credit report IMMEDIATELY FROM MY TRANSUNION CREDIT REPORT!, XXXX HAS ALREADY REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND KEEP DISRUPTING MY LIFE OVER AND OVER AGAIN!, THIS ACTIVITY IS ILLEGAL AND HAS BEEN REPORTED TO MY LOCAL XXXX POLICE DEPARTMENT! AGAIN FOR THE VERY LAST TIME THESE ACCOUNTS LISTED BELOW ARE NOT MINE. IF THIS KEEPS HAPPENING AGAIN I WILL SUE YOUR COMPANY FOR THE PAIN AND SUFFERING YOU HAVE CAUSED NOT ONLY MYSELF BUT MY FAMILY AND OTHERS AS WELL, I WILL GO PUBLIC WITH THIS ON THE NEWS, AND TAKE YOU TO COURT!!! .REMOVE THESE NEGATIVE ITEMS IMMEDIATELY!!!!! 

( XXXX ) THE POLICE REPORT -INCIDENT # : XXXX ( XXXX ) USPS TRACKING NUMBER : XXXX I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS LISTED BELOW ARE NOT MINE. 

I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXXXXXX XXXX Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 

Collection Account : XXXXXXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, 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 2023-04-20
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : LIKE I SAID IN MY PREVIOUS LETTER This is my final & last LETTER ( AGAIN ) AND FINAL LETTER. MY IDENTITY WAS STOLEN!!! THIS IS NOT SOMETHING TO PLAY WITH SOMEONE'S LIFE AND LIVELYHOOD! 

ATTACHED TO THIS LEGAL BATTLE I HAVE AN OFFICIAL POLICE REPORT FROM THE XXXX POLICE DEPARTMENT DUE TO IDENTITY THEFT AND THE REASON AND CAUSE OF THESE FRAUDULENT ITEMS BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT! .THEY ADVISED ME TO TELL YOU WHEN I SEND YOU THE POLICE REPORT THESE ITEMS NEED TO BE BLOCKED AND REMOVED IMMEDIATELY!!! .I DEMAND THESE ACCOUNTS ACCORDING TO THE LAW BE REMOVED IMMEDIATELY IN A TIMELY MANNER WITHIN 5 DAYS ACCORDING TO THE LAW! .THE POLICE REPORT -INCIDENT # : XXXX. These items need to be deleted/removed from my credit report IMMEDIATELY FROM MY EXPERIAN CREDIT REPORT!, XXXX HAS XXXX REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND KEEP DISRUPTING MY LIFE OVER AND OVER AGAIN!, THIS ACTIVITY IS ILLEGAL AND HAS BEEN REPORTED TO MY LOCAL XXXX POLICE DEPARTMENT! AGAIN FOR THE VERY LAST TIME THESE ACCOUNTS LISTED BELOW ARE NOT MINE. IF THIS KEEPS HAPPENING AGAIN I WILL SUE YOUR COMPANY FOR THE PAIN AND SUFFERING YOU HAVE CAUSED NOT ONLY MYSELF BUT MY FAMILY AND OTHERS AS WELL, I WILL GO PUBLIC WITH THIS ON THE NEWS, AND TAKE YOU TO COURT!!! .REMOVE THESE NEGATIVE ITEMS IMMEDIATELY!!!!! 

( XXXX ) THE POLICE REPORT -INCIDENT # : XXXX ( XXXX ) USPS TRACKING NUMBER : XXXX I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS LISTED BELOW ARE NOT MINE. 

I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXX XXXX  Account Number : XXXX XXXXXXXX delete it from my credit report. 

Collection Account : XXXX XXXX Account Number : XXXX XXXXXXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, 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 explanation
Consumer complaint received 2023-05-24
Company: Self Financial Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have spoken with Self Financial over 2 weeks ago and they confirmed that the inaccurate reporting on my credit report will be fixed in 3-5 business days from date XX/XX/XXXX. They informed me {$42.00} balance should be reported on my credit report but instead {$400.00} balance was reported on my credit report dropping my score over XXXX points in the middle of purchasing my first home. I called back XX/XX/XXXX to get a status update only to be informed that they needed proof that the {$400.00} was reporting on my credit report, I sent in a screenshot of my credit report and have not heard from anyone yet. This has prevented me from closing on my home and if I have to pay the the price this company will pay if for me. Its unfair and insensitive to mess up someones credit score in the middle of a big purchase. Fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed fraud on my credit report due to inquires unauthorized by me. I contacted all 3 credit bureaus and they would not remove the unauthorized inquires.

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 2023-04-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Negative ) <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Negative ) <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I recieved an email from Bank of america letting me know my new debit card was on the way. I had not attempted to open a bank of america account although I've had them in the past as I worked for the bank. I immediately notified the fraud department and the account was closed Honestly I believe this was knowingly opened as fraud. The address they sent the card to was one I had not lived in since 2010. This is not the first time I've had this happen with bank of america. I've placed fraud remarks on my XXXX  and credit reports.

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 2023-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$890.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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 2022-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed all my accounts with citizens bank, ( which are all under my personal name ), with the XXXX XXXX XXXX mgr, XXXX, back in XXXX.About a month ago I see a 30 day, {$20.00} fee late payment my credit report. After several calls, I got a rep who gave me a credit for the {$20.00}, and would sent the info to " credit dispute '' to look at and remove the negative report, and they would be in touch with me. Neither has happened. I keep trying to reach somebody in that department, and am always told they have no phone number. 
They are hurting my credit report for an inarticulate report of late payment, after the account was closed, and amount credited.They need to be sure of the situation before hurting my ability to borrow money, and should be able to be reached to quickly resolve problems! This is irresponsible of them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified today via XXXX that a new collection had been added to my XXXX report from Jefferson Capital. I have been disputing this account with the all three bureaus since XXXX of XXXX with the original creditor on my report XXXX I have sent a reinvestigation letter and method of verification letter to all three bureaus to verify this account only for this collection company to be added in XXXX. I had no knowledge of the debt being sold nor any communication from Jefferson Capital about the debt being sold. I do not recognize how and why this account is now reporting on my credit.

Company response to consumer: Closed with explanation