vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
I am filing this complaint against Aldous & Associates, a debt collection agency that is trying to collect an incorrect and unfair amount from me for a gym membership. On XX/XX/2023, I received a notice from Aldous & Associates stating that I owe {$200.00} for the gym membership. This amount is incorrect and does not reflect my agreement with XXXX. The actual amount is {$120.00}. I have proof of my agreement with XXXX, my actual owed amount on the XXXX app, and the notice from Aldous & Associates. I have tried to contact Aldous & Associates by phone several times to dispute this amount and request validation of the debt, but I have never been able to reach anyone. Their phone number always rings busy or goes to a full voicemail. This is unacceptable and unprofessional. It violates my rights under the Fair Debt Collection Practices Act and causes me undue stress and inconvenience. I request that the Consumer Finance Protection Bureau investigate this matter and take appropriate action against Aldous & Associates. I also request that Aldous & Associates stop contacting me until they provide me with a written validation of the debt and correct the amount they are trying to collect from me. Please send all future mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Or contact me at XXXX / XXXX Thank you for your attention and assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: GA

Complaint narrative:
I am contesting the presence of unauthorized credit inquiries on my credit report, which were conducted in violation of Permissible Purpose 15 US Code 1681b ( a ) ( 1 ) ( 2 ). These inquiries were made without my consent or knowledge, infringing upon my privacy rights and potentially harming my creditworthiness. I have not granted permission to any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. Such inquiries were conducted without a valid permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and section 604 of the Fair Credit Reporting Act ( FCRA ). I hereby request an immediate investigation into these unauthorized inquiries and their prompt removal from my credit report. I kindly ask that you update my credit report accordingly and furnish me with an updated copy once the necessary modifications have been completed. The unauthorized credit inquiries in question are as follows : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX 
I anticipate a swift resolution to this matter, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates a response within 30 days of receiving this correspondence. Should you require any additional information or documentation to aid in the investigation, kindly reach out to me using the contact information provided with this dispute. Thank you for your attention to this dispute. I have confidence in your ability to address this matter with the required diligence and professionalism.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am contesting the presence of unauthorized credit inquiries on my credit report, which were conducted in violation of Permissible Purpose 15 US Code 1681b ( a ) ( 1 ) ( 2 ). These inquiries were made without my consent or knowledge, infringing upon my privacy rights and potentially harming my creditworthiness. I have not granted permission to any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. Such inquiries were conducted without a valid permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and section 604 of the Fair Credit Reporting Act ( FCRA ). I hereby request an immediate investigation into these unauthorized inquiries and their prompt removal from my credit report. I kindly ask that you update my credit report accordingly and furnish me with an updated copy once the necessary modifications have been completed. The unauthorized credit inquiries in question are as follows : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX 
I anticipate a swift resolution to this matter, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates a response within 30 days of receiving this correspondence. Should you require any additional information or documentation to aid in the investigation, kindly reach out to me using the contact information provided with this dispute. Thank you for your attention to this dispute. I have confidence in your ability to address this matter with the required diligence and professionalism.

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: SC

Complaint narrative:
I was contacted via mail by IQ Data in late XXXX about damages owed from an apartment I occupied from XX/XX/XXXX until XX/XX/XXXX. Upon my move out, I had extensive conversations with the leasing office regarding damages caused from multiple water leaks and ignored maintenance requests during my tenancy. I was assured that the apartment was due a complete renovation due to age, ie a 30 yr old refrigerator, and no upgrades in the same time period. I was due a refund of my original {$1500.00} security deposit. A month after I left, new management sent conflicting statements and I got a very unexpected letter from IQ data. I contacted them via certified letter and asked for a debt validation. I also contacted XXXX XXXX XXXX and was assured that it was all a misunderstanding and would be quickly remedied. I even got multiple emails inviting me back to lease from them. I never heard back from either of them regarding any supposed debt until IQ data contacted me via phone several months ago. I again requested validation and the person I spoke to apologized for the call and said that the debt could not be validated. Today I got another call. My phone number has never changed and I always answer all calls. The first agent was polite and followed all protocols. I stated that I preferred to handle things by mail and asked for the address. We were disconnected. I called back and a second agent refused to give me the company address and instead mocked me, yelled at me, berated me, and hung up on me. I called back yet again and got the first agent who apologized for the treatment I received and he urged me to accept a settlement immediately or have my credit ruined. I explained again that I preferred to correspond by mail so that I might send documentation proving this debt invalid. He tried to get me to post date my payment for this invalid debt and continued to threaten damage to my credit. I explained that Im XXXX and terminal and that I have XXXX XXXX  sons ( XXXX & XXXX ) and a XXXX XXXX XXXX daughter. I again asked for the address to correspond. He urged me to accept a settlement because a lawyer would cost more than just paying an invalid debt. He said I should pay in protest and when I prove the debt invalid then IQ Data would refund me. I again asked for the address which he finally provided to me, after issuing a warning that everything is off the table and I would surely have my credit ruined with my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
In XX/XX/2021 I noticed a new credit card popped up on my credit report named XXXX XXXX Credit Card. I never gave anyone permission to charge the card. I was speaking with a plastic surgeon coordinator  about getting XXXX but then I told her I no longer wanted it once I saw they were willing to do XXXX on me with a XXXX XXXX. Months later I see a charge on the credit card for {$6500.00} that I never authorized. I have been disputing this charge for 2 years but it has yet to be removed. The cosmetics company stated they can only charge a card if I gave them authorization so that I needed to reach out to XXXX. XXXX stated the cosmetic company told them I received a XXXX in there office in XXXX. I have never been to XXXX a day in my life. Both places are placing the blame on each other when I never had XXXX, never agreed to XXXX, never picked a XXXX or date!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Texas 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Texas 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 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello. I became a victim to a multilayer scam operation orchestrated by XXXX XXXX with the design, development, manufacturing, promoting, marketing, distributing, labeling, and or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gain. Amines was transferred from my Chase Bank account around {$22000.00} USD utilizing your service about the month of XXXX 2022. I attempted to recover the funds on my on by seeking the service from XXXX XXXX XXXX in XX/XX/2022. Unfortunately I fell victim again by hiring and paying over {$9000.00} for recovery that was falsified through XXXX XXXX from a fake account. I have been scammed by what I thought was both legitimate businesses. I am a business lady trying to earn a honest living. This has really affected my mental and physical wellbeing. I feel that if my bank for over 30 plus years would have i intervened. I would not be in this situation. This is why Im requesting from Chase Bank the return of my investment funds. I seriously cant afford to lose such a large amount of money. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Back in XX/XX/XXXX, some XXXX stole my identity, and wiped me out of saving, and checking, and even contacted my job requesting a change of direct deposit.That 's how i caught it. I reported the ID theft to the FTC on XX/XX/XXXX. It was recommended that I freeze my credit, Which happened on XX/XX/XXXX. As of XX/XX/XXXX, the credit bureaus unfroze my acct, without telling me. Synchrony has gone out of their way, to crush me financially. Part of the ID theft was in Paypal/Synchrony , and XXXX XXXX XXXX XXXX, quickly responded to the fraud alert and me contacting them to close the account. Paypal, however, has dragged their feet, has prevented me from paying my accounts, racking up huge fees, and interest, and now has closed all other Synchrony related accounts that I had. I get dozens of phone calls a day from them Paypal/Synchrony , where I'm just left of hold for hours with no resolution. I'm losing income due to them taking up all my time, when I should be working. Paypal tells me that I'm unable to prove who I am, on my own account, since someone changed the login info, password, and at some point phone number. Yet, they keep sending me the bills, harassing letters, and calls. They recently closed my Care Credit account which I rely on for medical and vet bills, which I pay religiously. As of XX/XX/XXXX, according to XXXX, and XXXX, I am not in collections. I don't know what to do to resolve this. 

This was the exact copy and past from my previous complaint, # XXXX. Here is the new information. Instead of Paypal/Synchrony trying to work with me, they have decided to sue me. They are using XXXX XXXX XXXX XXXX XXXX XXXX from XXXX NC. Fee 's and interest have not changed, nor can I get a person from Paypal/Synchrony to contact me through email, because my phone is off. The dozens of people I've spoken with, I've told to contact me through email, and they still don't listen. This is outrageous. What am I supposed to do? This debt is partially on them, they allowed someone else to use my account, and to change the information there, preventing me from being able to simply access my account. I want to pay my bill, for what I owe. It wont be a lump sum, it will be monthly, as I continue to get out of debt from some XXXX stealing my identity. 

I would think allowing me access to my accounts, to pay them down, would be a better option than suing me, but I guess big business would rather XXXX people than do whats right.

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 monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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