vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
Prior to XXXX XXXX sending me to collections, I had disputed charges from them because : XXXX they fraudulently signed a legal document electronically with my name giving permission for something I had specifically checked a box saying I did NOT give permission, XXXX they violated the Agreement by not providing the promised services. My XXXX XXXX XXXX XXXX XXXX backed me up and did charge backs on everything that XXXX XXXX charged me. 
Beyond my awful experience with XXXX XXXX, they have defrauded many people in Colorado- see XXXX, XXXX reviews, etc. This is not an isolated incident just relating to me - XXXX  XXXX  has a long standing and well documented practice of fraud. 

XXXX XX/XX/2024 : I contacted Aldous & Associates by phone. The representative was very rude and spoke over me continually. I requested a validation letter. The email they then provided me didn't contain all the required information per the CFPB website. It also didn't include information on how I can dispute the debt, which I intend to do. 

Validation information must include : The name of the creditor The amount owed That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days ( if different from the current creditor ), the debt collector will provide you that information. 
XXXX XXXX XXXXXXXX What I got : This is additional written confirmation that your file with XXXX XXXX XXXXXXXX is now placed in our office. Our office did send a physical letter to your address on file at XXXX The amount owing at this time is {$440.00}. Once this amount is paid, the debt amount assigned to our office will be resolved. Please pay by clicking the link below or call our office at XXXX. Your prompt attention to prevent further collection activity is greatly appreciated. 

Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

Sincerely, Aldous & Associates P.L.L.C. 


THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 


At this time, no attorney with this firm as personally reviewed the particular circumstances of your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: PA

Complaint narrative:
I the consumer and natural person have identified information on my consumer report that are a result of identity theft. I did not consent to, authorize nor benefit from this accounts. Please remove this accounts from my credit file. 
1. Checkr Account number XXXX XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Chime didn't give me any of my money I was owed to me {$15000.00} and fused to deposit it into my chime account and saying that it would not be deposited and never was a deposit that's what they said they stole {$15000.00} for me I want to sue them for my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
FCRA 605B requires that we remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.

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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This started on XXXX XXXX XXXX I withdrew a cashiers check and deposited this check to the safety deposit box for my landlord. they confirmed that they received the check but the check was never applied to my rent as intended. This check was still cashed and I have a copy of the check from my bank which I retrieved in XXXX XXXX XXXX. I provided this copy to the landlord and they threatened to evict me. since then I have express to my bank that I need something more than what was provided in the copy of the check as the details of the payee in the check are completely illegible. it looks like that information was scratched off. I have not gotten any help from my bank and they will not provide any more information about the check. When I spoke with First Republic bank representatives, they said that I would have to reach out to my bank. Both banks seem to just passing the buck back to the other and this is not getting me any closer to resolving this issue. 
Meanwhile, Ive slipped into severe housing and stability and financial instability with no reasonable means of the fact remaining. I paid my rent every month I I lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
I beg you please remove this from the 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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Company not following policy time or proper investigation I been waiting since XXXX for a update see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
I received a letter from my mortgage company, XXXX XXXX, stating " Congratulations XXXX XXXX XXXX has received and processed your loan modification agreement. '' And the first payment of {$1900.00} will be due XX/XX/year>. I submitted my first payment on XXXX/XXXX/201 as agreed per the contract. I recently took a look on my credit reports and noticed that XXXX has reported that my payments for the month of XXXX and XXXX of 2021 were late. This is not true. I have written them several time and they still have not deleted those XXXX items. I also sent a copy of my signed agreement showing that my loan modification did not start until XX/XX/year>. I would like for XXXX XXXX XXXX to correct those XXXX late payments on my reports, and take them off. I have included a copy of the the letter.

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 2024-05-09 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: CA

Complaint narrative:
I received a letter from my mortgage company, XXXX XXXX, stating " Congratulations XXXX XXXX XXXX has received and processed your loan modification agreement. '' And the first payment of {$1900.00} will be due XX/XX/year>. I submitted my first payment on XXXX/XXXX/201 as agreed per the contract. I recently took a look on my credit reports and noticed that XXXX has reported that my payments for the month of XXXX and XXXX of 2021 were late. This is not true. I have written them several time and they still have not deleted those XXXX items. I also sent a copy of my signed agreement showing that my loan modification did not start until XX/XX/year>. I would like for XXXX XXXX XXXX to correct those XXXX late payments on my reports, and take them off. I have included a copy of the the letter.

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 2024-05-09 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: MO

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injuries to my credit score.

Account Number : XXXX Account Number : 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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XXXX the XXXX 2024 some moneys were transferred to my account after paying back my XXXX dollar spot me my ending available balance was {$420.00}. I then made several purchases, and one unknown charge of XXXX, adding up to the sum of {$400.00}. Which put my account in the negative of XXXX when I made it home I sat down and added everything up call to address the era the technician named off each pending balance and added up and it was XXXX so they owe me money and it shouldn't have been in negative we got disconnected when I called back everything has changed I'll call back XXXX times this day and every time I called I screenshot it my account balance and they changed it around they changed my starting off balance to try to make it fit to what they said it was. The last time I called I asked for a complaint form and also a copy and they told me they didn't have no form to fit my complaint. So this is why I'm making an complaint with you all because Chime is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against my Mortgage Company ( M & T Bank ). Unfortunately, due to recent events in my life, paying my mortgage has not been as easy. I called my mortgage company on XX/XX/year> and spoke to a representative regarding my PMI payment. I requested my payment to be taken off the loan ( payment is {$370.00} ) because that alone can alleviate the high mortgage payment and can have an impact on my expenses significantly. The customer representative stated that she put in the request and that I would be receiving correspondence in a week or so regarding request. I never received correspondence. On XX/XX/year> at approximately XXXX hours, I called my financial institution again and spoke to XXXX, customer service representative. I explained my situation and she read the correspondence that was sent. Correspondence stated that the PMI would not be able to be taken off the loan due to it be installed for the life of the loan. She continued, that the only way it can be taken off is if I were to refinance. I responded that refinancing would cause me to have the same or higher mortgage payment due to the high interest rates. XXXX XXXX placed me on hold and contacted her XXXX, XXXX, to explain the situation. XXXX XXXX then told me that they could not assist me on their end, however, the Homeowners assistance program ( another department within their financial institution ) would be able to. XXXX XXXX proceeded to state that the downside of the Home Owner 's assistance program in attempting to help is that my loan had to be in " delinquent '' status. I asked her to clarify, she stated that I would have to stop paying my loan ( I have never missed a payment, nor have paid it late ) and let it go into delinquent status. I told her that I was not refusing to pay into my loan, I was just requesting that the PMI to be removed, which would alleviate my financial situation. I told her that allowing my loan to go into delinquent status would affect my credit, something that would affect my whole livelihood. questioned, how can a Bank that I should be trusting tell me that in order for them to assist me, is also asking me to harm myself in the same sentence. I am baffled of how as a consumer, I am being asked to stop paying into my loan in order to receive any some sort of assistance. The current events in California, with the high cost of living, should alone be a great factor in these Banks having discretion in their terms to assist the consumer. I am not asking for them to assist me with a whole monthly payment, I am simply asking a Bank that I pay in full every month, to have compassion towards people like me ( that never go into default with their loan ) and assist with a simple PMI monthly removal.

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 2024-05-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Remove these inquiries, please. I have no knowledge about them, and the company acted without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
My car was totaled out and the car was financed through XXXX XXXX. XXXX paid the company so Im not sure why there is a XXXX balance reported to my credit report and also sold Jefferson. That is a violation of my consumer rights .So both are sitting on my credit report without my permission I am not aware of this balance and was never notified of such

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX : Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G-VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS PORTFOLIO Account Number : XXXX-* Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
see attached : 1. letter sent my me to wells fargo, dated XX/XX/XXXX, DIRECTING them to remove me from any XXXX  all accounts. 

2. notice sent to me by wells fargo , received XX/XX/XXXX, stating they had updated my address for an account they have in my name. 

*** WHAT THE XXXX???? 

This is BANK FRAUD!!!! They have NO RIGHT to maintain an account IN MY NAME WITHOUT MY PERMISSION!!!

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 2024-05-09 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please delete these inquiries. I have no information about them, and the company proceeded without my consent.

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