vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX of XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX XXXXAccount number XXXX And also the charge off account of XXXX XXXXAccount number XXXX  That is reporting a balance when this account was sold to The collection agency XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act this is considered double jeopardy. How can 2 agencies try to collect on the same account? 
In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MI

Complaint narrative:
IQ Data International contacted me about this debt owed to XXXX XXXX Apartments in XXXX Oklahoma. The collector advised me to get a personal loan or a title loan against my car to pay the amount owed. I stated I was not aware of any balance owed as I moved out of this apartment on XX/XX/2020. IQ Data then called and told me I had until XXXX pm that day to call back and provide a solution. I was able to research this issue and have provided documents supporting the case that went to court and the dismissal. I have made several calls to XXXX XXXX XXXX and left messages for return calls. They have a new management company and may not be aware of this case. This issue had been resolved and I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX of ,2022, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX XXXXAccount number XXXX And also the charge off account of XXXX XXXXAccount number XXXX That is reporting a balance when this account was sold to The collection agency XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act this is considered double jeopardy. How can 2 agencies try to collect on the same account?

In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2022-03-26 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2022-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The Original debt was a Phone bill, that XXXX XXXX was not providing the services I was paying for so I closed the account. 
The Debt Collector has reported and updated on all three credit bureau 's multiple times in 1 month. 
I.C. Systems XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They reported the on XX/XX/2022, then again on XX/XX/2022, XX/XX/2022, and again on XX/XX/2022. 
I took 4 credit hits in the span of 3 weeks for the same debt.

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 2022-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I've never had XXXX XXXX  accout. Someone use my information in 2 other accounts also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collection Service of Nevada
State: NV

Complaint narrative:
Hello i believe the Collection service of Nevada has committed a FCRA violation. I reached out to the Collection service of Nevada to see if the debt was accurate or excusable in XXXX and on or around XX/XX/XXXX. I asked rep about options and what my due date really was she responded back with any amount is acceptable and your bills due the XXXX of every month. I mentioned I had already paid on the XXXX of XXXX or the XXXX of XXXX. She responded with thats great and if you want to settle you have to hang up and call me back with an amount.? I also explained to her that the XXXX apartments had a verbal agreement with me to hold off on sending to collections because of financial struggle and they violated and sent it to collections anyways. Two days later the Collections Service of Nevada reported me to the credit burros with inaccurate amounts and also reported that I was late or had a missed payment which was a false claim and a violation! I disputed it and the dispute came back with a correction possibly on amount but the late payment was still reported as accurate. I have all of my payment receipts and all are processed before the XXXX! my credit dropt significantly due to late or past payment on a collection! During a time that I needed to apply for a new product but couldnt because my credit was impacted by the violation of Collection Services of Nevada! Please help

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 2022-03-26 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: NC

Complaint narrative:
I did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number 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 2022-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number 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 2022-03-26 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: NC

Complaint narrative:
I did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I opened a line of credit with Citizens Bank to purchase an XXXX at XXXX per the XXXX website. The total account purchase was XXXX. On XX/XX/2022, called in and paid the account balance to 0 and requested for the account to be closed because I no longer needed the line of credit. The customer service representative stated that he would put in the request to close the account. After the payment was posted on XX/XX/2022, I logged into the account and observed that my available balance was still listed as {$2500.00}. I called customer service again and spoke with a female representative who told me that my account would close when the balance reached zero. She specifically stated that it was automatic. She then confirmed that my request to close the account was still visible. On XX/XX/2022, I logged into my account and saw that the available credit was still {$2500.00}. I called and spoke with a customer service representative and my account balance had to be zero for 30 days before it could be closed. I questioned why I was not told this during my previous conversations and she had no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United PanAm Financial Corp.
State: IN

Complaint narrative:
I was a co signer for a auto loan and the vehicle was bought back by the dealership due to malfunction the bank loan was bought from bank but they do not want acknowledge it and they are reporting on my credit report charges off bad debt I have disputed this several times and they won't correct it I have spoke to them by phone and they won't correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: KY

Complaint narrative:
I am another victim of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss. 

My personal losses were XXXX XXXX stolen from my XXXX IRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
I have a mortgage and i setup automatic payments as a fail safe to not accidentally miss a payment. 

On XX/XX/2022 i setup an online payment of {$1500.00} to pay my XXXX payment. The payment went through on XX/XX/XXXX. 

A few days later i checked my account and my mortgage service, XXXX, had sent a few second payment automatically. One was for {$1500.00} on XX/XX/XXXX, the other for {$1500.00} on XX/XX/XXXX. I had not had the funds available to make said payment. The account went into an overdraft, causing fees of {$35.00}. 

Now my mortgage service is also sending fees of {$20.00} for the returned check. I feel like the issue is a fault in their own system that wasn't setup right, because it should have either caught that a payment was already processed. Or the system should have told me that an automatic payment was in the process of being drafted while i was making a payment. There was no warning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 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: TX

Complaint narrative:
Sent letter. Proper changes were not made zeroing balance is not removal To Whom this concern. 

Please forward to person of interest. 

I am writing to disputeXXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) and XXXX, XXXX and XXXXXXXX XXXX XXXX and XXXX, XXXX XXXX  and XXXX, XXXX XXXX  and XXXX, ] on credit report. The balance listed on the account is incorrect. 

YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. 

YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!

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 2022-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery contacted my mother on XX/XX/22 at XXXX pm. They told her they were a debt collector looking to obtain information regarding a debt and said they were looking for me. They also contacted my previous employer 3 times, 2 times after they had been asked not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I never received a bill for the collection that I am having issues for. It is for XX/XX/2018 due to a car accident at the fault of another person. The bill was for {$2000.00}. XXXX ( XXXX XXXX at XXXX ) said she has attempted to get an itemized bill from the original biller and this collection agency so that she could pay it and never received it. Assetcare collection agency has been contacted numerous times since XXXX by me and XXXX ( my car insurance ). I had never received a bill for this with the multiple request. I called again yesterday to see if they could fax an itemized bill to my insurance company so that they could pay it and they said they had never been requested for an itemized bill. She stated she could see where I have called numerous times but didn't see anything about the itemized bill being requested. They also stated that they could not send an itemized bill to XXXX. I stated I would still like one sent to me so that I could fax it to her. This has been going on since XXXX. It has been sent to my credit report even though this account has been attempted to be paid by XXXX, however, no itemized bill has been sent. I never received a bill for this and three years later it is being sent to collections. XXXX has not sent an itemized bill after multiple request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Letter sent transunion still yet to follow law company zero out balance but not remove account which is a violation of my demands and my rights.

To Whom this concern. 

Please forward to person of interest. 

I am writing to disputeXXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX, ] on credit report. The balance listed on the account is incorrect. 

YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. 

YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!

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