vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I have tried to tell Avant about display issues on their website that affect my ability to make payments. I first noticed this discrepancy because my expense tracking/budgeting software never aligned with my account balance. 

While my circumstances aren't relevant, I aim to pay my cards to zero before the statement closes to avoid reporting a balance on my credit report. Because of incorrect information shown on Avant 's site, I often end up closing with an unwanted balance. 

The Avant website has two reporting issues : ( 1 ) the " current balance '' is sometimes incorrect, and ( 2 ) recent payments are duplicated in the transaction history I've attempted to report these bugs by e-mailing screenshots to Avant, but I am directed to call if I have " questions about my account. '' In my attached screenshot, my account shows a {$0.00} balance, with a {$28.00} charge and {$28.00} payment pending. You'll notice that my recent {$110.00} and {$81.00} payments show twice in the transaction history, both as pending and posted transactions. 

On top of that, manually adding each transaction to the starting balance results in a {$23.00} balance, rather than {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer has notified previously of dispute and TRANSUNION is still in violation and reporting fraud on consumer report. The company XXXX XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of account listed as XXXX XXXX XXXX XXXX. XXXX : # XXXX, XXXX, XXXX, XXXX, and all other accounts XXXX may or may not have alleging debt owed using consumer private 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 2023-07-09 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: NY

Complaint narrative:
Dear Sir/Madam, I have reached out to all 3 credit bureaus multiple times to bring to their attention the presence of inaccurate charge-off accounts on my credit report, which are negatively impacting my credit profile and hindering my ability to secure financing for purchasing a home. I believe that these accounts have been improperly furnished onto my credit report, and I am now seeking assistance from the CFPB to rectify this matter. 

Firstly, I want to emphasize that according to the Internal Revenue Service ( IRS ), charge-off accounts are considered ordinary income and cancelled debt. As such, it is crucial that any charge-off accounts reported on my credit profile be accurate and compliant with applicable laws and regulations. However, I have discovered that the following accounts have been inaccurately reported as charge-off accounts on my credit report : 1. XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Furthermore, I would like to highlight that I have not received a Form 1099-C for any of the aforementioned accounts. The failure to provide a Form 1099-C, as required by U.S. Code 15 U.S.C. 1681eb, is a violation of my rights as a consumer. I firmly believe that the absence of this required documentation further invalidates the accuracy and legitimacy of these charge-off accounts on my credit report.

In light of these discrepancies and violations, I kindly request that immediate action be taken to investigate and rectify this situation. Specifically, I request that the CFPB promptly assist with removal of the aforementioned accounts from my credit report, as they have been inaccurately reported and are causing significant harm to my creditworthiness. 

Thank you for your cooperation and assistance in resolving this dispute. I look forward to a favorable resolution and the removal of these inaccurate charge-off accounts from my credit report. 

Sincerely, 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 2023-07-09 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: MI

Complaint narrative:
I am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by XXXX XXXX on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed. 

It has come to my attention that XXXX XXXX has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions. 

I hereby demand that XXXX XXXX rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood. 

Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from XXXX XXXX should be in writing and strictly limited to the resolution of this issue. 

Thank you for your understanding and cooperation.

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 2023-07-09 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: MI

Complaint narrative:
I am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by XXXX XXXX on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed. 

It has come to my attention that XXXX XXXX has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions. 

I hereby demand that XXXX XXXX rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood. 

Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from XXXX XXXX should be in writing and strictly limited to the resolution of this issue. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: MI

Complaint narrative:
I am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by XXXX XXXX on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed. 

It has come to my attention that XXXX XXXX has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions. 

I hereby demand that XXXX XXXX rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood. 

Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from XXXX XXXX should be in writing and strictly limited to the resolution of this issue. 

Thank you for your understanding and cooperation.

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 2023-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ARS National Services, Inc.
State: MD

Complaint narrative:
Debt was settled by the original creditor ( XXXXXXXX XXXX  ) This debt in bankruptcy proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
15 USC 1692g ( Validation of debt ) ... 15 USC 1692 ( Legal action by debt ) ... 15 USC 1692e ( False or misreading representations ) ... 1681s-2 ... Here are the accounts I would like to get Removed A.S.A.P ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... Since these companies are not the original creditors they can not validate the debt please delete A.S.A.P ... Thank you...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 USC 1692g ( Validation of debt ) ... 15 USC 1692 ( Legal action by debt ) ... 15 USC 1692e ( False or misreading representations ) ... 1681s-2 ... Here are the accounts I would like to get Removed A.S.A.P ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... Since these companies are not the original creditors they can not validate the debt please delete A.S.A.P ... 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 2023-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX updated a listing ( Bank of America : XXXX ) with new information. However, according to the documentation I have attached from the creditor, the payment history is incorrect. They are reporting 2 consecutive months of 180 days late ( XXXX XXXX ), when that isn't possible if 30 days passed after the initial 180 days late was recorded. There is also no record of payment history for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX as well. The amount of late payments are also wrong ; XXXX is reporting 7 late payments on this account to my credit report, but that does not align correctly with the reported payment history. 

Also, in accordance with FCRA Section 623 ( 5 ) ( A ), it is an illegal act to " re-age '' any debt, which happens to be the case for every month after XX/XX/XXXX to today 's date, where XXXX proceeded to update each month with a " charge-off '' status ; practices deemed illegal per the previously referenced law. 

It has now been another 30 days since they received my letter detailing this issue, and I haven't even gotten a notification that they processed my dispute. Due to the negligence, a response/resolution within 15 days is now required per the FCRA. This means they didn't contact the creditor, and violated my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer has been notified previously of dispute and EXPERIAN is still in violation and reporting fraud on consumer report. The company XXXX XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of account listed as XXXX XXXX XXXX XXXX. XXXX : # XXXX, XXXX, XXXX, XXXX, and all other accounts XXXX may or may not have alleging debt owed using consumer private 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 2023-07-09 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXXXXXX XXXX : Account number XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn have became a victim of identity theft. I found numerous accounts on my report that were not opened by me. This has been very difficult time as I am in the process of purchasing a home for my family. Please remove these accounts 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 2023-07-09 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: NY

Complaint narrative:
Dear Sir/Madam, I have reached out to all 3 credit bureaus multiple times to bring to their attention the presence of inaccurate charge-off accounts on my credit report, which are negatively impacting my credit profile and hindering my ability to secure financing for purchasing a home. I believe that these accounts have been improperly furnished onto my credit report, and I am now seeking assistance from the CFPB to rectify this matter. 

Firstly, I want to emphasize that according to the Internal Revenue Service ( IRS ), charge-off accounts are considered ordinary income and cancelled debt. As such, it is crucial that any charge-off accounts reported on my credit profile be accurate and compliant with applicable laws and regulations. However, I have discovered that the following accounts have been inaccurately reported as charge-off accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Furthermore, I would like to highlight that I have not received a Form 1099-C for any of the aforementioned accounts. The failure to provide a Form 1099-C, as required by U.S. Code 15 U.S.C. 1681eb, is a violation of my rights as a consumer. I firmly believe that the absence of this required documentation further invalidates the accuracy and legitimacy of these charge-off accounts on my credit report.

In light of these discrepancies and violations, I kindly request that immediate action be taken to investigate and rectify this situation. Specifically, I request that the CFPB promptly assist with removal of the aforementioned accounts from my credit report, as they have been inaccurately reported and are causing significant harm to my creditworthiness.

Thank you for your cooperation and assistance in resolving this dispute. I look forward to a favorable resolution and the removal of these inaccurate charge-off accounts from my credit report. 

Sincerely, 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 2023-07-09 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: NY

Complaint narrative:
Dear Sir/Madam, I have reached out to all 3 credit bureaus multiple times to bring to their attention the presence of inaccurate charge-off accounts on my credit report, which are negatively impacting my credit profile and hindering my ability to secure financing for purchasing a home. I believe that these accounts have been improperly furnished onto my credit report, and I am now seeking assistance from the CFPB to rectify this matter. 

Firstly, I want to emphasize that according to the Internal Revenue Service ( IRS ), charge-off accounts are considered ordinary income and cancelled debt. As such, it is crucial that any charge-off accounts reported on my credit profile be accurate and compliant with applicable laws and regulations. However, I have discovered that the following accounts have been inaccurately reported as charge-off accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX Furthermore, I would like to highlight that I have not received a Form 1099-C for any of the aforementioned accounts. The failure to provide a Form 1099-C, as required by U.S. Code 15 U.S.C. 1681eb, is a violation of my rights as a consumer. I firmly believe that the absence of this required documentation further invalidates the accuracy and legitimacy of these charge-off accounts on my credit report. 

In light of these discrepancies and violations, I kindly request that immediate action be taken to investigate and rectify this situation. Specifically, I request that the CFPB promptly assist with removal of the aforementioned accounts from my credit report, as they have been inaccurately reported and are causing significant harm to my creditworthiness. 

Thank you for your cooperation and assistance in resolving this dispute. I look forward to a favorable resolution and the removal of these inaccurate charge-off accounts from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation