vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The reporting of the following account is a violation of my rights to be penalized with double jeopardy : Account XXXX : XXXX XXXX XXXX XXXX  ) Account XXXX # XXXX. 

This account needs to be removed from my credit report immediately due to pay for delete arrangement with Account XXXX : XXXX XXXX XXXX Account XXXX # : XXXX the current creditor for previous Account : Account XXXX : XXXX XXXX XXXX XXXX XXXX  ) Account XXXX # XXXX. 

Per the arrangement, once the settlement amount of {$600.00} was paid on or before XX/XX/year>, XXXX XXXX XXXX would delete the listing from my credit report. Attached is a copy of the arrangment, confirmation of settlement payment and verification that the account is still reporting incorrectly on my credit report. Both companies own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy as well as a violation of my right to fair and accurate credit reporting. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately Account : XXXX XXXX ( XXXX XXXX ) Account # XXXX from my credit report. 

When the requested above deletions are made, please mail me an updated copy of my credit report The inaccuracies are highly injurious to my credit score and in accordance with The Fair CreditReporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Received letter via USPS from Bank of America, dated XX/XX/XXXX, ( didn't actually get it in the mailbox until XX/XX/XXXX. ) saying my account was past due for {$61.00}, and that I have until XX/XX/XXXX to make payment. I don't use this card often, but apparently my XXXX annual membership autobilled to this card ( for {$60.00} ) I had autopay set up, so it should have paid it ... but for some reason, that got turned off ( It wasn't by me, as I haven't logged into this website in months ).

I scheduled a payment via their website soon after, ( it was taken out of my bank account XXXX XXXX. ) Yesterday I went to log into their website to verify the payment went through. I was unable to log in, it gave me a number to call. When I spoke to them they told me my account had been closed on XX/XX/XXXX. ( What?! ) They said a letter was sent to me that has all the info ( as of today XX/XX/XXXX, I still haven't received any official notification that they've closed this account on me ) they wouldn't provide me anything over the phone, or send me any email confirmations. I asked about the letter that was sent on XX/XX/XXXX, saying I had til XX/XX/XXXX to pay .... they couldn't tell me anything about this ... or why my account was closed on the XXXX. Now I'm very worried I'll have a ding on my credit for non payment, plus the account being closed not in good standing. I want them to have any black marks on my credit removed because of this. They have my phone number, and email ... neither of which was used to let me know I had a {$60.00} past due amount or that they closed my account. Nor can they tell me how autopay was turned off ( I ALWAYS have autopay on every card I've ever had ) I've heard plenty of bad stories about Bank of America... I guess this is just another one of those stories. How can they send a letter via snail mail XX/XX/XXXX, that takes a week to get to me, and then say I have til the XXXX to pay. Then close my account 3 days after I receive this letter?! It's madness. I have perfect credit, and strive to keep it that way.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of consumer report from Transunion and noticed that a collection had been placed on my report Earlier this month. I need Transunion to do investigate this account because I believe it to be fraudulent.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
Sterling talent solutions background checks go back extremely long times. My info is wrong on report. I told them, they ignored me, have moved report date 3 times, digging for XXXX XXXX XXXX nothing. I've lost 4 jobs for sterling lies and harassment n discrimination on me. I have proof of it all. I ask for new copy ... .nothing... they won't give it to ne I WANT MY INFO ACCURATE OR REMOVED AND STOP GOING OVER 10 YEARS 15 MAX BACKGROUND CHECKS ITS RIDICULOUS

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There were several accounts opened in my name including a PayPal credit card account a pay overtime account. I did not open any of these accounts. Living in our home. Under a false name. This person was opening up an accounts using the accounts until he couldn't pay for the accounts. we had no idea. He used my fathers identity as well. It is from my understanding he had fake bank accounts as well. I do not have a PayPal account or any PayPal accounts. One account ending in XXXX has a balance over {$2000.00} Another PayPal account has a balance over {$4000.00}. Please close all accounts. This person also opened a XXXX  account with my name on it. I was able to contact XXXX and get access to the account.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-07-27 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: CO

Complaint narrative:
Collection item on TransUnion report was to be deleted and agreed with collection agency. Dispute filed XX/XX/XXXX to delete, Transunion completed investigation and sent notice tradeline would be Deleted. Told it takes 72 hours.after chatting with numerous associates, disconnected during chat. Told today XX/XX/XXXX that they never agreed to delete, and information I have is not from them or I am being dishonest. 

I submitted this dispute to resolve an issue that was inhibiting me from securing an auto loan. Following the direction of TransUnion. I was turned down for one loan with XXXX XXXX XXXX and possibly approved a for a subprime loan at XXXX  % this failure of TransUnion to so what they agreed in writing and subsequently accuse me of lying wiil cost me nearly $ XXXX in XXXX XXXX charges ( if I can get a loan t all/ )

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX in fraud was contacted as my cell phone was showing that there was no match to my social. he then stated that he escalated the issue and mentioned XXXX XXXX. They seem to be the problem. My cell and my landline were both showing on my account, but it seems that my cell may still be associated to person XXXX XXXX who lives in XXXX, Florida and she is not me. She has the same name and XXXX. They refused to provide the transaction number for XXXX XXXX. I will now need all the transaction numbers for the last XXXX  years as allowed by law. XXXX told me that my social was not associated to my account phone numbers, so it appears that my phone numbers were merged with MRS. from XXXX who has the exact name and dob and is not me. XXXX also had a problem as it appears our information was mixed up and merged, I requersted the transaction number from XXXX XXXX who disconnected me and then did not return the call. I then spoke to XXXX Id XXXX who told me they could not provide the transaction number, which is my understanding that is against the Fair credit reporting act. I was transferred to sales and spoke to XXXX in XXXX who told me he could not provide that either, so I told them i would file the complaint.

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 2024-07-27 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: GA

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 explanation
Consumer complaint received 2024-07-27 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: TN

Complaint narrative:
I'VE RECENTLY RECEIVED MY CREDIT REPORT AND NOTICED SOME INACCURACIES TO MY CREDIT REPORT. I'VE ASKED THIS COMPANY TO PROVIDE DOCUMENTATION TO WHY THEY ARE REPORTING INACCURATE INFORMATION TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters and went on my Transunion app too dispute three inquires that arent mine ( XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX } and two inquires look like the same company and plus inacurrate address 's plus other accounts that i tried to bring to there attention thru letters and plus the app and verbally and they keep sending me stall leters

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 2024-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I was renting an apartment, and everything was fine until I was about to move out. I was unfairly charged for damages and replacement costs without sufficient evidence : 1. Broken Gate : my movers were accused of breaking a gate and I was charged for the repair. However, no evidence was provided that my movers were responsible for this damage. I asked for evidence more than once and was denied evidence saying that its too late because the bill was sent to collections. 
2. Carpet Replacement : I was charged for carpet replacement without any evidence of damage. I left the apartment with no damage to the carpet. In fact I had bought a carpet cleaner to shampoo the carpet. I was charged for damaged carpet. I asked for evidence and was denied. 
3. Dishwasher Machine Part : I was charged for a part for the washing machine that supposedly broke. I had placed a work order for maintenance to fix the issue. The washing machine was not working properly. The maintenance team came and said it was fixed, but the problem persisted. Despite notifying them of the issue, the maintenance team ignored it. I did use the dishwasher since management had ignored my work order and I was mainly eating takeout since I am a student and did not really have time to cook. 
4. Collections and Dispute : I was out of the XXXX and could not access my email or number for a while. The landlord sent the bill to collections. When I contacted management to dispute the charges, they said I needed to deal with collections directly. I tried contacting the collections agency to request proof of the charges but only received an itemized bill. My requests for detailed evidence were repeatedly denied. I disputed the collections, but received no response for over a month. Eventually, I discovered that the collection account was reported to my credit report even though a dispute was open. 

I am seeking resolution to this issue as the charges were made without proper evidence and my attempts to resolve the dispute were not addressed satisfactorily.

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 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was checking my annual credit report and this debt came up and i had no idea what it was about. I have never made any contracts with LVNV FUNDING LLC, and its an open account with a balance of {$940.00} stated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: GA

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 2024-07-27 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: LA

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 2024-07-27 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: LA

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 non-monetary relief
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: WI

Complaint narrative:
Car auto loan called XXXX XXXX XXXX continue to report inaccurate reporting. found on my credit report also my wife credit report. which has effected the credit rating for over year scores. .this account was PAID OFF made on time.. Payments. Dated XX/XX/XXXX. I purchased XXXX XXXX. Paid XXXX blue book value shown much lower amount I had car accident .The insurance company listed car. As being TOTALED the insurance. Company. paid the car off. Due to me my wife not having car. in need of a car due to areas. We lived. Didn't have. Transportation no bus cabs. We seen. Thst. This car still was. drivable .but was already been paid off credit acceptance. advise my husband they will get back with to negotiate us. Offer price noticed. Another rep did contacted us prior asking about payment. Not knowing that car. Was in accident. Insurance was involved. My husband advised rep. That the car was in accident insurance. Was handling situations again this account was never late made in time. .then shortly we received. Another Call from Different Customer service rep. Whom provided us a. settlement offer .we EXCEPTED PAY OFF SETTLEMENT .... reason why it doesn't show any listed lates payment history. Anywhere on the. payment records anywhere Only problems founded on last FINAL DATE SETTLEMENT..

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