vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I cancelled with XXXX XXXX XXXX multiple times as its been a headache because they refused to cancel my policy after many call attempts and me going even into the store to cancel which I had a witness WITH ME because of billing issues even when my bills were paid! I went to the store AND called to cancel and they chose not to. I switched providers because of them not listening and constantly billing me way after when there was no usage of me even using or having XXXX XXXX XXXX and I paid my last payment even when I was switched to another provider. I still paid my last bill ever owed. Last payment I ever owed was in XX/XX/XXXX even when I was with another provider. I STILL PAID WHAT I OWED. I was a LONG TERM customer since around XXXX and im extremely disappointed. Then im told im getting charged for equipment when the equipment is what I OWNED PAID IN FULL!! This is effecting me and my credit for no reason when I have kids when this shouldnt even be where its at. If they stopped XXXX XXXX over and actually listening to THEIR customers. Why I cancelled with them because I always ever paid any bill owed and they always say its not paid even when it WAS PAID! This needs to be fixed or I will contact the XXXX for something that isnt my fault and is XXXX XXXX XXXX XXXX  on keep billing a customer ( which I know theyre month behind ) which I had XXXX right before XXXX hit, and my last payment I ever owed was for XX/XX/XXXX which was paid since I cancelled with them way prior. That was the last month ever that needed to be paid. So how in the world does it go to {$900.00} when I havent even had them or used their usage in almost over a year now. There should be NOTHING in regards to this on my credit for XXXX XXXX XXXX They been rip offs for awhile and why I finally chose to cancel them because of billing issues even after bills are already paid IN FULL along with MY EQUIPMENT I OWNED which was paid IN FULL!! This is such a headache because I keep getting the run around between XXXX XXXX XXXX AND THE DEBT COLLECTOR IT GOT BOUGHT OUT OF!

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Today I was made aware of fraudulent accounts/reporting on my credit report, I called in to Experians ( XXXX ) phone number to have these three misspellings of my name removed because I am unaware when it happened, or under what circumstances and companies these were reported from and also what accounts they were ever connected to. Instead of the removal and deletion of these accounts ( which I asked for ), Experian updated all three wrong names that I have no knowledge of, with my real name, putting my real information in. Merging my real information on these accounts that I dont even know about and had NO prior knowledge off. I called in, an they basically saying that its no way to tell whats what because all they see is the updated names. Refusing to go back and seeing what the issue is, but instead telling me to go on a blind mission to try and find whatever it is they messed up, and my main address was also deleted from my credit report, something I never asked to be done

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 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently discovered that TransUnion LLC is reporting inaccurate information on my credit report. Specifically, they have listed an incorrect {$670.00} balance for XXXX XXXX XXXX After submitting a request for validation, I asked TransUnion to verify this balance. Additionally, I requested validation for 90 days of late payments from XXXX XXXX XXXX To support my claim, I provided TransUnion with my last 90 days of payment and credit card statements, which clearly show no late payments or outstanding balances. It is clear that the information being reported by TransUnion is incorrect and needs to be corrected.

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account. 

Furthermore, I have not been given the opportunity to dispute this account in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me. 

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by XXXXXXXX XXXX XXXX XXXX XXXX  ). Such actions undermine the integrity of the credit reporting system and violate consumer rights. 

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor. 

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter. 

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Debt for phone service through XXXX was placed on my credit report. I have been a customer with XXXX for over 13 years. I have had 3 Phones with them and several devices throughout the years. Ive never made a late payment. 

XXXX collection agency counted me out of the blue and said I owed them money. I explained what I stated above and asked them to provide me with something that proved I was an owner of this debt. The very next month I was alerted that thay had placed the claim on my credit report. 

I disputed with agency and two days later ( today ), received information saying that it will stay on my report. 

This is not my debt. I have not had an XXXX account and they will not provide me with any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Subject : Adverse Action Notice for Credit Limit Increase Request To Whom It May Concern : I am writing to you regarding the recent decision concerning my demand for a credit limit increase on my American Express XXXX XXXX XXXX account. Over the past few weeks/months, I have received unlawful violations of several credit limit increases notifying me that my request has been denied. As a conscientious consumer, I have thoroughly reviewed the reasons provided for this decision and have found them to be unsubstantiated and contrary to federal regulations and contractual obligations. 

Under the Equal Credit Opportunity Act ( ECOA ) and Regulation B ( 12 CFR 1002.2 ), creditors are required to provide applicants with a written notification of adverse action taken within a reasonable period of time after the action. While I appreciate the promptness of your response, it is imperative to note that the denial of a credit limit increase demand constitutes an adverse action under the ECOA and Regulation B.

Furthermore, pursuant to 12 CFR 1002.9, a creditor is obligated to provide the applicant with a written statement of reasons for the adverse action. Unfortunately, the reasons provided in your letter do not meet the regulatory standard. Specifically, the denial was based on creditworthiness discrimination, which fails to demonstrate a legitimate basis for denying my demand. 

It is essential to emphasize that the extension of credit, including any credit limit increase, is governed by principles of contract law. The completion and submission of the credit application serve as the consideration given by the applicant to create the extension of credit. By accepting the application and subsequently opening the credit account, a contractual agreement is established between the creditor and the consumer. Any adverse action taken without valid legal or contractual justification constitutes a breach of this agreement. 

Accordingly, I assert that the denial of my credit limit increase demand is both unlawful and a breach of contract. As such, I demand that you reconsider your decision and provide me with the credit limit increase demanded. Failure to comply with this demand will leave me with no choice but to pursue all available legal remedies to enforce my rights under federal law and the terms of our contractual agreement. 

I trust that you will take the necessary steps to rectify this matter promptly. Should you require any further information or documentation from my end, please do not hesitate to contact me as needed. 

Thank you for your prompt attention to this matter. I look forward to the betterment of our business relationship moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
did not attempt to rectify problem for customer would not even investigate

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 2024-02-22 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: TX

Complaint narrative:
did not attempt to rectify problem for customer would not even investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
did not attempt to rectify problem for customer would not even investigate

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 2024-02-22 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: OH

Complaint narrative:
I wrote a letter to the Dept of education and to XXXX  about why they have my loan information on my credit and consumer reports without my written consent. At the time of applying and accepting the loan for college courses I was NOT notified about this showing up on my report nor was this made clear to me this would occur. They violated the law and do NOT have permissible purpose to share this information to the consumer reporting agencies. I've requested for the proof of permissible purpose given and they could NOT provide and with each letter I sent them they wrote back saying there wasn't enough information provided which doesn't make sense.

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 2024-02-22 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: OH

Complaint narrative:
I wrote a letter to the Dept of education and to aidvantage about why they have my loan information on my credit and consumer reports without my written consent. At the time of applying and accepting the loan for college courses I was NOT notified about this showing up on my report nor was this made clear to me this would occur. They violated the law and do NOT have permissible purpose to share this information to the consumer reporting agencies. I've requested for the proof of permissible purpose given and they could NOT provide and with each letter I sent them they wrote back saying there wasn't enough information provided which doesn't make sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: OH

Complaint narrative:
I wrote a letter to the Dept of education and to XXXX  about why they have my loan information on my credit and consumer reports without my written consent. At the time of applying and accepting the loan for college courses I was NOT notified about this showing up on my report nor was this made clear to me this would occur. They violated the law and do NOT have permissible purpose to share this information to the consumer reporting agencies. I've requested for the proof of permissible purpose given and they could NOT provide and with each letter I sent them they wrote back saying there wasn't enough information provided which doesn't make sense.

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 2024-02-22 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: TX

Complaint narrative:
there are inquires that are not mine as i explained to TransUnion and XXXX They refuse to take them off they are not mines for i am a victim of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I have never applied for credit for these companies.

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 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Accounts Are inaccurate And reporting negatively on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Formal Debt Dispute : Complaint against NewRez for over charging my mortgage account and ruining credit report - LOAN # : XXXX ( Serviced by NewRez ) We are previous XXXX Loan clients. In XX/XX/XXXX, NewRez took over our mortgage loan. We were paying principle {$1000.00} per month. ( 30 year fixed ) Our XXXX payment to XXXX XXXX was paid in XXXX and never transferred over to NewRez. Also, the property is a condo. The flood insurance certificate was sent to XXXX, for XXXX, and should have transferred. 

Suddenly, I and XXXX XXXX XXXX were reported as 30 days late to the credit reporting agencies. 

In addition, our condo association emailed a copy of the flood insurance policy to NewRez in XX/XX/XXXX, for XXXX. However, NewRez has been charging me {$1800.00} for insurance. NewRez confirmed that this would be rectified by the XXXX payment. This is still not fixed. 

We overpaid NewRez in XXXX ( to avoid being sent to collection ) and asked that the overpayment to be credited to XX/XX/XXXX. However, the overpayment still has not been credited. Moreover, we are still being over charged on the mortgage payment XXXX - XXXX = {$750.00} per month. 

NewRez is stating that they never received our flood insurance from XXXX XXXX for XXXX and we had an escrow. We were never aware of this situation as XXXX received copies of our flood insurance policies. We always submitted our flood insurance policies. We should not have an escrow balance from either mortgage company. XXXX received our flood insurance policies. 

( 1 ) NewRez needs to correct my and XXXX XXXX credit report. ( 2 ) They owe one month ( overpayment ) to be credited to the account. ( 3 ) They need to correct the billing statements ( 4 ) They need to credit the XXXX and XXXX flood insurance and not charge an escrow from XXXX. ( 5 ) They need to update the XXXX payment. I have a bank statement showing payment for XX/XX/XXXX. They are stating the payment is not paid. 

I have been on the phone with the agents and two supervisors for two months. However, this situation is still occurring and needs to be rectified. 

Thank you for your time in addressing this matter. 

Sincerely, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX Equifax is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have attached copies of my credit reports highlighting the specific XXXX XXXXXXXX XXXX account that is reporting ( 2 ) Separate accounts ( 1 ) for {$16000.00} & another reporting {$10000.00} on both EQUIFAX XXXX XXXX. I have attached supporting documentation that reflects the ONLY account open with XXXX XXXX XXXX which is for {$16000.00}. Despite my persistent efforts, the inaccuracies continue to adversely affect my credit report, causing unwarranted financial stress, Denial of Credit Approval, Fraudulent Debt to income ratio reporting, & more. I am well aware of the importance of accurate reporting for both consumers and creditors and I am disappointed that my concerns have not been appropriately addressed. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
I am being disregarded as a consumer in law. My report contains inaccurate information that is not 100 % accurate. To add to this, I reached out numerous times and never get a proper response.

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 2024-02-22 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: NY

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/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