vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request that you reverse or correct the above aforementioned late payments as okay, paid in fullon my credit report. I believe that this late payment was reported in error and should not have been included in my credit report, as payments are not supposed to be disclosed.

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 2024-05-05 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: IL

Complaint narrative:
XXXX XXXX account late payment I send documents for you to look over

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I spoke to several representatives to understand why synchrony keeps reducing the limits of several of my cards without reasoning. My accounts are well taken care of paid on time and my limit dropped from XXXX to XXXX on a single card alone. They have no valid reason for doing so and in turn have affected my overall credit limits and XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Dear XXXX, I am writing to file a formal complaint regarding the recent reduction of my credit card limit by synchrony bank. I am deeply concerned about this action and believe it to be unfair and unjustified. 

In XXXX, I received a notification from XXXX informing me that my credit limit was reduced from XXXX to XXXX, for several of my synchrony credit cards.This decision has significantly impacted my ability to manage my finances effectively and has caused undue hardship. 

Synchnory bank changed a total of XXXX cards some of which they closed and some the changed my limit to XXXX dollars from XXXX event hough these accounts were in good standing. 

I have been a responsible cardholder with synchrony for several years. consistently making on-time payments and maintaining a good credit score. Therefore, I fail to understand the rationale behind this sudden reduction in my credit limit. 

I request a thorough investigation into the factors that led to this decision and urge you to intervene on my behalf to rectify this situation. I believe that synchnory has not provided adequate justification for their actions, and I deserve transparency and fairness as a consumer. 

Furthermore, I would appreciate prompt resolution of this matter and restoration of my previous credit limit. I rely on my credit card for essential expenses and financial emergencies, and the current limit does not meet my needs. 

Please consider this letter as a formal complaint under your jurisdiction, and I look forward to your prompt attention to this matter. 

Thank you for your assistance. 

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 2024-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please delete from my credit 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Quick pay funding llc inquiry on XX/XX/23 Also experian has yet to delete This is due to the data breach of XXXX, we're my information was purchased of the dark web. 
XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX This account was asked for a re-investigation for accurate information and this debt was sold at account and the reporting agencies failed to report this information. I uploaded the proof were they did not cure the in accuracy and it must be deleted XXXX XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against NATLCRSYS for Violating My Rights Under 15 USC 1681-s 2 ( 7 ) ( A ) Dear Sir/Madam, I am writing to file a formal complaint against NATLCRSYS for violating my rights under 15 USC 1681-s 2 ( 7 ) ( A ) by reporting inaccurate information on my consumer report. As a consumer, I am deeply concerned about the impact of this inaccurate reporting on my financial well-being and reputation. 

On XX/XX/2024, I obtained a copy of my consumer report from the CRA and discovered that there were several inaccuracies in the information reported. Specifically, the date this account was opened, and date last active, all three bureaus are showing different dates. 

These inaccuracies have had a detrimental effect on my credit score and have made it difficult for me to access credit or financial services.

This has caused me undue stress and financial hardship, as I have been unfairly penalized for information that is not a true reflection of my credit history.

I believe that NATLCRSYS 's actions are in direct violation of my rights under 15 USC 1681-s 2 ( 7 ) ( A ), which requires consumer reporting agencies to maintain accurate and up-to-date information on consumer reports. By failing to do so, NATLCRSYS has not only harmed my financial standing but has also undermined my trust in the consumer reporting system.

Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors are required to provide consumers with written notification of their rights. I have not received any such notification from NATLCRSYS, which is a clear violation of this regulation.

I am seeking your assistance in investigating this matter and ensuring that NATLCRSYS complies with the relevant laws and regulations governing consumer reporting.

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion as of XX/XX/year> continues to list my name incorrectly despite being notified. Transunions response was they sent me a copy a my credit report. I did not request the report and this action has no bearing on the inaccuracy. I would like to know why my name changed in Transunions reporting and why it is not being corrected to my current name. I have not used the surname listed for over 29 years. The sudden change to my personal information is suspicious yet I can not and have not had a response from Transunion explaining why they alone are reporting my name in this way. 
It is unacceptable. The answer provided ( providing a copy of my credit report ) does not help at 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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
It has come to my attention that the documentation provided by National Credit Systems is a Lease Addendum from XXXX  PER XXXX XXXX XXXX REQUIREMENTS, a lease renewal addendum is required every year. 

Please provide Lease Addendums from XXXX and XXXX for XXXX XXXXXXXX XXXX 

To verify said debt, please provide XXXX XXXX lease renewal addendum for the year of XXXX for XXXX XXXX XXXX XXXX 

If National Credit Systems and XXXX XXXX XXXX can not provide documentation of a Lease Renewal Addendum for year XXXX, these companies will be accusing XXXX XXXX of being a squatter. 

If the lease renewal addendum for year XXXX can not be provided, this debt will be deemed unverified and void. 

Please note that if the Lease Renewal addendum for year XXXX can not be provided that both XXXX XXXXXXXX XXXX and NATIONAL CREDIT SYSTEMS will be open to litigation on the bases of DEFAMATION, FRAUD AND OTHER DAMAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I have advised Capital One multiple times that my 2 cards were transferred to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, CA XXXX ), effective XX/XX/year>. In spite of multiple notifications, Capital One continues to call and email me instead of working with XXXX. Now Capital One is threatening me via email and phone calls for write off and legal action instead of working with and cooperating with XXXX. Please direct Capital One to cease contacting me and work with XXXX as directed effective XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incomplete and inaccurate information on my consumer reports from several entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint against CBE GROUP. I believe that their actions have violated several laws and regulations, including those outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ).

Under 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or misleading representations. However, CBE GROUP has repeatedly provided inaccurate information and made misleading statements regarding the debt I dont owe.

Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors are required to provide consumers with written notification of their rights. I have not received any such notification from CBE GROUP, which is a clear violation of this regulation.

Additionally, under 12 CFR 1006.34 ( d ), debt collectors are prohibited from engaging in unfair practices. CBE GROUP has employed aggressive and harassing tactics in their attempts to collect the debt, which I believe constitutes unfair practices.

Lastly, under 15 USC 1681-s 2 ( 7 ) ( A ), debt collectors are required to provide accurate and complete information to credit reporting agencies. However, CBE GROUP has inaccurately reported information about my debt, which has negatively impacted my credit score.

I am requesting that CBE GROUP provides me with the purchase agreement between them and the original creditor, I will also need CBE GROUP furnish proof that theyre licensed to collect a debt in state of Texas .

I request that the Consumer Financial Protection Bureau investigate the actions of CBE GROUP and take appropriate action to ensure they comply with the laws and regulations governing debt collection practices. I also request that any incorrect information reported to credit agencies be removed immediately. 


Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: Affirm Holdings, Inc
State: NH

Complaint narrative:
I printed out my statement from affirm stating my accts are paid in full. 2 accts pain in full. Both accts being denied updates. Their failure to repair my report is causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( COLUMBIA DEBT RECOVERY ) ( 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.

I do not owe Columbia debt recovery any money. Im trying to buy a home and they are interfering.

Also the collection company dont have a license in Delaware to collect debt from me i searched them on https : //www.nmlsconsumeraccess.org/ Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am trying to buy a house and I realized there were damages on my credit report. According to the 15usc code 1681 there shouldn't be any damages on my report because it is a defamation to my character. On XXXX, I contacted all three bureaus via phone to remove the fraudulent information that is reported on my account including addresses. I asked for a thorough investigation which was not received.

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 2024-05-05 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: IL

Complaint narrative:
Please delete from my credit report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please delete from my credit 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 non-monetary relief
Consumer complaint received 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. This is for the following charge-off accounts listed below ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this 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 2024-05-05 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: NM

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. This is for the following charge-off accounts listed below ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation