vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report. I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : CAVALRY PORTFOLIO SERVICES Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. CAVALRY PORTFOLIO SERVICES has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). CAVALRY PORTFOLIO SERVICES is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I received a letter around XX/XX/year> from Kings Credit Services, a debt collector trying to collect a debt I owed to XXXX XXXX, MD for the amount of {$30.00} plus {$2.00} interest for a total of {$32.00}. The letter stated I had till XX/XX/year> to dispute all or part of the debt either by calling or in writing. I immediately tried calling Kings Credit Services at ( XXXX ) XXXX to inform them that I DID NOT owe this debt because I had already paid {$30.00} in cash on XX/XX/year> in person at XXXX XXXX XXXX XXXX. I received a bill from XXXX XXXX around the third week of XXXX stating I owed {$30.00} and that this was the " Final Attempt '' to collect before it would be turned over to a collection agency. I remember being mad because this was the first time I had received a bill from them and yet they were stating it was the third and final time for me to pay. The bill said I had till XX/XX/year> to pay. Fast forward to XX/XX/XXXX when I received the letter from Kings Credit Services, a debt collector saying I owed XXXX XXXX {$30.00}. I called Kings Credit Services 5 times in the next several weeks leaving a detailed message everytime as well as emailing them with NO response from any of my calls/messages or my email. I finally talked to XXXX in XXXX XXXX 's office on XX/XX/year> who does the billing and explained about the debt collection letter and that I had paid the bill on XX/XX/year> in person at the office with cash. She began to look for my payment and after a few minutes she did find that yes indeed I did pay, in cash {$30.00} in cash on XX/XX/year>. I asked XXXX if she would contact Kings Credit Services and let them know that I do not owe that money. I told her I'd been trying to call and email Kings Credit Services with no response to which she told me she was having the same problem, she had been trying to call them the last couple of weeks with no response. XXXX then informed me that a patient had gone to the office of Kings Credit Services where she found a note taped to the door that the business was permanently closed. The patient informed XXXX about them being closed and she has no idea what's going on. She said they were not informed that the business would be closing. Now my fear is come XX/XX/year> this debt will start showing on my credit report and it's false which is going go hurt my credit which I've been trying to raise my score this last year. Please can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: IN

Complaint narrative:
Late payments from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that I have disputed and called each company to resolve this problem.

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 2024-09-12 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: IN

Complaint narrative:
Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that I have disputed and called each company to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. $ 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. $ 1681c ( a ) ( 4 ) ), Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history that shows monthly and late payment as well. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you kindly.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. $ 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. $ 1681c ( a ) ( 4 ) ), Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history that shows monthly and late payment as well. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XXXX I went to a XXXX XXXX gas station at XXXX XXXX, XXXX, XXXX  XXXX XXXX get diesel gas for my XXXX XXXX truck. I attempted to get gas at the first pump but the pump stopped, wouldn't generate a receipt as well declined the transaction however, there were funds in the account. I attempted to try again but the same thing happened so I moved to another pump and used a different card which allowed the {$72.00} transaction to go through. I checked my account to see why the card didn't work and noticed XXXX pending transactions of {$100.00}. I went inside to tell the cashier about the pending transactions of {$100.00} each and was told that was the amount of the hold however, I explained both transactions were declined so the cashier said I needed to contact the bank. My truck can't hold {$270.00} so I called Navy Federal Credit Union to report the error but was told the transactions were pending and I would have to wait for it to drop off before the funds would be released. I called back XXXX days later when I noticed the charges were posted and was told by the customer service rep that there was nothing they could do so I would need to go back to XXXX XXXX I've got gas from that gas station multiple times and never was the pending hold for {$100.00} but only a pending charge of {$1.00}. The pumps never provided receipts for either transaction. Navy Federal Credit Union will not investigate the transactions. I don't have {$200.00} to give away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
15 USC 1692c that the law states if consumer Notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL Communication

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't 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 didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. As the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2.

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 2024-09-12 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: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't 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 didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. As the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I applied for a card with Synchrony Bank and I was approved for {$8000.00} credit limit. I made a purchase for {$1000.00}. I made my payments every single month. Then for no reason, they reduced my credit limit to {$1000.00} and my balance was {$930.00}. This makes my credit utilization to over 100 % with all these fees and interest nonsense that they tacked on to it. 

When I reached out to them, I received no help from their staff. I told them that I have never missed a payment and they are punishing me by destroying my credit. I asked them repeatedly if making payments on time every month was not the right thing to do then what should I have done? They have yet to answer that very reasonable question. 

I offered to pay my entire balance off if they put my card back to the way it was. I shouldn't have my credit destroyed for making all my payments on time. The only motivation I have to pay off the credit card is to build good credit. When they change the rules on me for no reason and destroy my credit, they also destroy my motivation to pay them. Why would I continue to give them money after they destroyed my credit for making my payments on time? 

There was nothing on my credit report that would be a reason for them to reduce my credit limit and nothing had changed since I had applied and they gave me the {$8000.00}. This is obviously a scam that they are running, and it is absolutely disgusting how the CFPB does nothing about it and is a complete worthless organization that allows criminals to be criminals and destroy the lives of innocent people who are just trying to survive. I don't know how any of you sleep at night. 

My complaint was closed as if you did anything. All you do is relay my message to them?? Who cares and who needs you? Why do you even exist? 

The response I received is insulting to expect anyone to believe that nonsense. I've had with these corrupt companies who are discriminating against straight white males and are destroying my life when I have done nothing wrong. THIS IS SICK AND IT IS ONLY A MATTER OF TIME BEFORE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

DO SOMETHING ABOUT THIS CFPB!! 

DO THE RIGHT THING SYNCHRONY!!!!!!!!!!!!

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-11 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: NJ

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These accounts and inquiries was done without my permission or consent please remove all from my credit report. 
Fraudulent Accounts XXXX XXXX {$44000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX Inquiries XXXX XX/XX/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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These accounts and inquiries was done without my permission or consent please remove all from my credit report.

Fraudulent Accounts XXXX XXXX {$44000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have incorrect information reporting on my consumer report with account XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX is reporting late payments which 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 2024-09-11 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: FL

Complaint narrative:
I have incorrect information reporting on my consumer report with account XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX is reporting late payments which is inaccurate.

Company response to consumer: Closed with explanation