vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
My name is XXXX 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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of AmericaXXXX credit card. I have had for 20+ years. Always use autopay for full amount- to pay the balance. 
I had a {$2100.00} balance on XX/XX/XXXX the autopay payed {$86.00}. 
I had a {$4000.00} balance on XX/XX/XXXX the autopay payed nothing. 
I did not turn off autopay. 
Because I set up autopay years ago online, BofA has no record of it, no record of turning it off, nothing. 
I was charged a {$25.00} late fee because of missed XXXX payment. 
Charged interest on balance of course. 
My concern : how BofA turned off autopay. Even if I did, which I didn't, they should have sent me a confirmation email. 
Are they doing this widely?

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 2024-01-17 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 requested that information reported on my credit report be updated. I sent in the updated information to XXXX XXXX and Equifax. No response back. Also they are reporting information from creditor accounts that have been closed as need attention or flagged as charge off. Those accounts are XXXX XXXX, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that information reported on my credit report be updated. I sent in the updated information to XXXX Experian and XXXX. No response back. Also they are reporting information from creditor accounts that have been closed as need attention or flagged as charge off. Those accounts are XXXX XXXX, XXXXXXXX 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was advised by agent ( XXXX ) on XXXX  that if I made 1 installment payment before XXXX  that I would avoid any late credit reporting. I paid XXXX  on XXXX XXXX. The company XXXX still reported me late in both my private loans. This has caused my score to drop by XXXX points. I have called the company to resolve with management they promised they would call me back no one ever did. I would like this corrected to restore my credit back as should be. I also paid a payment on XX/XX/XXXX as well XXXX  .This is negligent on the part of XXXX  XXXXthis is hurting me financially. Please have both late payments removed from my credit file .im asking that the call from XX/XX/XXXX be reviewed.

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 2024-01-17 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-01-17 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent receivables llc is reporting in my credit report I have no idea who this company is I never done business with them before sending statements do not verify a account please send me copies of my signature and other personal information that would verify this account. 

I never done business with them or the company they bought it from please remove immediately. 

This account is reporting and shouldnt be thank you not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been sending in information to correct my consumer report for over 5 years. I should have financial relief as this has cause irreplable damage to my life. I have reached out to Equifax to do their job. They have violated 15 USC 1681c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ), 18 USC 1028A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: IN

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2024-01-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There is an account from Bank of America on my credit report that is not mine, it's a fraud account. I'm a victim of identity theft, so please help me to remove this fraudulent account from my credit report. The fraud account is the following : BANK OF AMERICA XXXX Date opened XX/XX/year> Balance {$620.00}.

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 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
I called Mandarich Law Group LLP on XX/XX/XXXX XXXX XXXX  at XXXX and spoke with XXXX XXXX I attempted to clarify who exactly was suing me after informing him I had received an unclear, threatening letter. He proceeded to ask me my name and the file no to locate the account. Once I successfully provided that, he then proceeded to tell me he would need me to provide my address AND last four of my social security number as an identifier. At this point, let him know that I was uncomfortable providing my social or even my address, for that matter. I also let him know a social security number is NOT to be used as an identifier but id be willing to provide another form of idenitification. He then doubled down and let me know he would only be accepting my social security number. I have no idea who this company is, I have reached out in several ways for them to clarify WHO they are, WHY they have the last four of my social or ANY of my information for that matter. What exactly are you suing me for? The top of the letter they are acting as attorney yet no one is actually on this paper, it's not clear who I speak to, there's no human person to reposed to. This is a baseless claim and now it is fraud as far as im concerned. You illegally have my information, you are bullying and intimidating me to pay an alleged debt. this is outrageous and this must be stopped now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal was notified of a fraudulent transaction that took place XX/XX/XXXX I've contacted them several times informing them I was a victim of identity theft and I never authorized {$100.00} XXXX notified them I involved local authorities and had a police report as well as confirmation from XXXX and XXXX XXXX that they attempted the same fraudulent transaction with them as well as PayPal Credit and everyone including PayPal confirmed it was fraud but PayPal still has a balance of {$100.00} they want me to pay before I can use my account and I've given them more than enough time to credit it to my account and they disputed that it was unauthorized and try to tell me to contact the merchant and I've told them that's not an option it's a scam and they know it's not a legitimate transaction and several attempts to clear this balance have been treated disrespectful and when they claimed it was resolved in my favor they still did not take the balance off my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
I disputed the error in my TransUnion credit report and despite providing evidence that the debt was previously settled, TransUnion is still not correcting the error. 

Section 611b of the Fair Credit Reporting Act ( FCRA ) entitles me to add a statement ( 100 words or less ) to my file giving my version of the dispute so I demand that TransUnion LLC add this to my file under the erroneous information.

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 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to dispute the collection account associated with my name and reported on my credit report by your agency. I recently received the correspondence you provided, including what you claim to be a contract between your agency and the original creditor. However, after careful review, I find that the details you mention in your letter does not validate the legitimacy of your claim to collect the alleged debt on behalf of the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
There is a repossession being reported and it should not be. After reviewing my credit report I found there to be a major error. Credit Acceptance did not provide me in advance with the proper documentation prior to the repossession. I received absolutely no Notice of XXXX or any kind of XXXX Notice. This is has already caused me so many problems and now by incorrectly reporting it on my credit it is causing me more unnecessary stress.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: ME

Complaint narrative:
I called Ford credit today. Talked to a nice women I believe her name was XXXX who sent an email to someone to contact me as she cant do anything else to help me with this account with Ford. 

They sent me a letter in XX/XX/2023 outlining the settlement agreement we made in court and told me once again they would report correctly to the credit bureau and I would hear from XXXX XXXX  XXXX within 30 days. I called XXXX XXXX  XXXX today who told me they have a file but it still transitioning.. 

This whole thing is a bunch of XXXX! I dont owe the money this company doesnt follow through with anything they say and Im the one getting XXXX  in every way. 

I need someone from consumer finance to act on this matter against Ford and get this off my credit. 

Copies of documents submitted in other complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
As a whole my credit profile Is severely incorrect across all 3 bureaus yet they do not even remotely match across the three. I have filed any disputes only to get the same computer generated messages of verified that can not be true because the information is incorrect. Even my basic information such as credit age is incorrect, one says 1 year another says 5 when I have had credit since XXXX some of my precious accounts are even listed but still do not reflect in the age. I do not honestly know what to do, this is less of a complaint but more a lack of knowing what to do as nothing I have done seems to have any effect. it's killing me financially

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Contacted expirian about a hard credit pull by experian business credit that I did not authorize, they informed me on a recorded line that they could not even look at unless I paid {$1.00} they said this {$1.00} would allow then to view to view all three credit agencies and monitor services informed them I do not need this service that would charge {$19.00} after seven day then when I informed them I needed this unauthorized inquiry removed she informed me it would be a {$75.00} fee for some they are required to do by law I told her that I was not interested and to cancel whatever they were trying to charge in 7 days on a recorded line she agreed and told me it was canceled. But of course when I awoke I saw they charge me {$19.00} any for some XXXX XXXX NONESENSE which is what experian was pitching and I canceled when I called experian they noted that it was canceled but I had to also call a 3rd party XXXX XXXX AND opted out XXXX  I didn't I was even a member so I call this 3rd party who promptly told me there are no refunds and I told them that they and experian were running a scam they then they agreed to a refund I filed this report for 2 reasons one to make consumers aware and secondly to have this hard inquiry remind as they are required to do by law. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
On XX/XX/24, I discovered that this company had a credit freeze on my credit. I called them to ask who requested a credit freeze. They indicated that they could not discuss it over the phone. Their placing a credit freeze on my credit prohibited me from obtaining the purchase of a CD from XXXX XXXX on XXXX never gave this company permission to freeze my XXXXThis action cost me {$740.00} in lost interest proceeds.

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 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
They frequently call outside allowable hours. I've told them not to call as I have an attorney. They call from multiple numbers multiple times per day. About half the time there is nobody on the line and their system hangs up on me when I answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief