vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes.

Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading.

In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code.

* Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate.

Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation. Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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:
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 seven 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 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 2023-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: CO

Complaint narrative:
Received a call from an unknown number XXXX. XX/XX/23 @ XXXX. They proceeded to ask for my personal information like date of birth and last XXXX of my social to verify they were speaking to the " right '' XXXX. Then asked to verify my address. I asked what it was in regards to. They said it was to collect a debt but couldnt tell me who it was for or what it was in regards to. Told my credit would be affected if I didnt proceed. I said i wouldnt proceed if they didnt tell me who they were calling in regards to. They said they were " Capio Partners '' to collect a debt and thats all they would disclose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC
State: UT

Complaint narrative:
I have been getting repeated phone calls from this company. This morning a man pulled up to the house, it was a scary situation, jumped out of his car asking for the occupant of the house. I dont know who he is but i was able to have a quick glance at the paper he was holding and it showed QCS. It occured to me i had seen that name appear on my phone. He left and waited in his car for a while and drove off. I was shaking and not sure who he really is that came to my house. he looked dangerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the fair credit reporting act SYNCBCARE CREDIT XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency cannnt furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under a 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 explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX To whom may concern, I'm writing to dispute the following information the overseas company supplied XXXX XXXX XXXX XXXX XXXX Located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX. And I'm requesting an investigation on Experian and The creditor for the bridge of contract and over-billing and providing misinformation. information that affected my credit report and my reputation as a debtor of my creditworthiness. XXXX XXXX XXXX XXXX has reported an invalid and inaccurate debt because I decided to stop doing business with the company for lack of information and debt amounts they have already collected out of my XXXX account from XX/XX/XXXX- XX/XX/XXXX. When I tried disputing overpayment with them and started to request for superior, they started being hostile and not providing information and miscommunication, lies, etc. Experian has not given me the opportunity to fight this Online scammer that I have dealt with Since XXXX. When I reach out to Experian they advised since I was the one who did business with that company whatever information this overseas company reported is correct without fully investigating the information that I have submitted to them. The company can report inaccurate information which is violating the Fair Credit Reporting Act by providing the wrong balance and try collecting more debt than they have collected in the past 3 years. I would like Experian to provide all the documents such as all my payment history from day 1 and my legal signature to any agreement they have against me that I have signed manually to this credit and I will provided my bank statement from XXXX for investigation. 



XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Person ID XXXX Available account limit : {$930.00}

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 2023-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There was a fraudulent capital one account opened in my name. I have reported it to XXXX and following the steps they recommended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have spoken to Citibank/Macys several times and was told the debt was sold to XXXX XXXX XXXX . I called XXXX XXXX services back in XXXX of XXXX, then again in XX/XX/XXXX and again on XX/XX/XXXX and was told each time that they are no longer collecting on this debt and they can not take any payments, that the debt has been closed out and discharged. I was told they were going to remove the negative remark and reported balance on my report since they would not allow me to make a payment to satisy the debt. I was told it would be done in 30days and if it was not done by XX/XX/XXXX that I am to file another complaint with CFPB so that is what I am doing. Last representative that I spoke to was XXXX with ID # XXXX and she assured me these items would be removed from my report.

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 2023-08-22 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: MD

Complaint narrative:
Subject : Dispute of Violations of Fair Credit Reporting Act ( FCRA ) Rights - Request for Immediate Deletion Dear Transunion, I am writing to formally dispute and bring to your attention several violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in the U.S. Codes and credit laws. As a consumer and natural person, I am fully aware of my rights, and I am invoking these rights as guaranteed by The Congress to ensure the accuracy and integrity of my credit information.

Reference is made to the accounts listed below which have infringed upon my rights as established in the FCRA : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NC

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: MI

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent several letters to Experian, XXXX and XXXX, on XXXX XXXX XXXX XXXX XXXX, urging them all, to not only make sure my personal information is correct and current but also to remove any incorrect or outdated information about me, from my credit report. I have also asked for validation of several accounts that are reporting on my credit report without my consent. The only responses that I have received back ; if any, are that they have not done an investigation because of ridiculous claims that I myself have not been the one disputing the unwanted, incorrect and inaccurate information on my credit report. Please assist me in this matter to get the credit bureaus to obey and follow the laws and clear up these inaccuracies on my credit report immediately. 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 2023-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Starting at XXXX XXXX  on Friday XXXX XX/XX/2023 through XXXX XXXX  XXXX XXXX, I have received 55 telephone calls from Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX, NY XXXX at ( XXXX ) XXXX. 

I had my current phone number for close to 2 years. I have no delinquent debt. I have nothing to do with these people. 

At XXXX XXXX XXXX XXXX a call came in after I printed out my phones history. Previously received phone calls from Sunrise Credit XXXX & saved to my phone history : Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX & XXXX XXXX, Thur XXXX XXXX XXXX XXXX  & XXXX XXXX, Wed XXXX XXXX XXXX XXXX & XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX & XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX. Wed XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX. 

Will the FTC issue Sunrise Family of Companies, Sunrise Credit Services , Inc., XXXX XXXX XXXX XXXX XXXX XXXX a cease & desist order? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
On XX/XX/2023 I received a text message from XXXX XXXX XXXX XXXX to validate a charge of {$490.00} for XXXX XXXX. I rejected the request and called the credit card company. They closed out my credit card and started an investigation for the attempted charge. 
On XX/XX/2023, I checked my mail and received my bill from XXXX 's credit card showing a chargeback to my account for the {$490.00}. I called XXXX on XX/XX/2023, and they said the charge did not go through so they removed the credit for the investigation. 
I then opened the mail from Caine & Weiner and later found out they are a collection agency for XXXX XXXX. I also called the company on XX/XX/2023, to let them know the charge was fraudulent and they said they receive the charge for collecting around XX/XX/2023. 
Caine & Weiner mentioned the account was opened online for gambling. They gave me my address, dob, social security number, and of course my name. All the information provided was an exact match of my Personally Identifiable Information ( PII ). They did not believe that it was a fraudulent charge. 
Craine Weiner said I have to provide a police report number. I filed a police report on XX/XX/2023, XXXX, and called Caine & Weiner and provided the police report number, they said they will get back to me in 2 weeks. 
I am very concerned since someone has all my PII and I am not sure what happened between XX/XX/2023, and today. I am only aware of this one attempt because it came to my attention via a collection agency. 
What can I do to protect my PII today and moving forward?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 2023-08-22 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: GA

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.

has violated my rights. Or list of inquiries 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 seven 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 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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
AMERICAN EXPRESS Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these companies nor did I apply, I am guessing someone who stole my wallet at that time had my identity and applied for all these things. This is incorrect Credit reporting on my end, and I am suffering loss due to these hard inquiries I have not applied for The Fair Credit Billing Act ( FCBA ) is a 1974 amendment to the Truth in Lending Act that puts in place consumer protections against inaccurate or fraudulent credit card charges and other billing errors.

If unheard please refer toSection 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute

Company response to consumer: Closed with non-monetary relief