vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me. 

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report. 

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within XXXX  days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me.

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report.

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within XXXX  days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Other people withdrew money from my Chase Bank checking account, and others also applied for two more credit cards that I don't have. It could be due to identity theft. The first transaction occurred at XXXX XXXX XXXX, XXXX, NY, XXXX. This branch withdrew XXXX US dollars on XX/XX/XXXX. The second transaction occurred at XXXX XXXX XXXX, XXXX, NY, XXXX. This branch withdrew XXXX XXXX dollars on XXXX XXXX. The two transactions totaled US {$3000.00}. I tried to go to the bank to recover the two money, but they told me directly that they would not refund it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I wrote to both of these companies on XX/XX/XXXX via certified letters. I wrote Celtic disputing the original debt and informed XXXX XXXX XXXX that the debt was illegally purchased. 

RE : XXXX XXXX XXXX : {$380.00} RE : XXXXXXXX XXXX - Indigo Mastercard : {$380.00} It is in XXXXXXXX XXXXXXXX  Terms and Conditions to not share my information which they have done. In addition, they have not provided me equal consideration considering how money is created. I can share my original letter to both of them which was notarized and certified. XXXX XXXX responded by sending me many bills of exchange via mail without them being USPS registered or certified by law XX/XX/2023. 

It is such a small amount of money that I shouldn't need to take them all to arbitration but I will if this can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inquiries are not authorized by me, please remove as soon as possible

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 2024-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Easyknock
State: NV

Complaint narrative:
I sold my home to easy knock with the option to buy back. So i was allowed to stay in home and pay rent. Easy knock bought my home for {$470000.00} gave {$32000.00} cash and held back {$180000.00} of that money that I was told was mine if I desided to sell the house. If I desided to buy back I would have to give easy knock {$290000.00} and they kept the {$180000.00}. But I was unable to be financed for the {$290000.00} so we decided to sell. I knew I had that {$180000.00} and depending on what the house sold for I figured I would get at least another {$60000.00} or so. But that's not what happened they gave me another {$29000.00} more and said they don't don't that with the money they held back. I said you don't give people the money you held back? They nope. I said I paid {$180000.00} for an option! They said yes. They paid me less than {$60000.00} for a home priced at {$490000.00} they under sold the house for {$360000.00} that's what I paid for it in XXXX  and I just put {$70000.00} worth of solar on the home. Easy knock knows I don't have they moey to get an attorney, to fight them they took everything my grandmother and I worked so hard to get. I'm XXXX and I have nothing because easy knock won't give me my {$180000.00} they wrongfully keep .please help me before I end up on the streets .I know I am not the only one they have done this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NH

Complaint narrative:
Per FRCA as a federally protected consumer I am opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. This is effective immediately and indefinitely.

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 2024-01-25 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, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX XXXX XX/XX/year> I received a text that appeared to be from the XXXX. It claimed I owed {$9.00} on a package. Since I coincidentally had an outstanding package, I clicked the link and attempted a few times to pay. I repeatedly got an error message that the card was not working. After the third attempt, I searched the XXXX website directly and found the page I was on to be similar, but not exact. I knew then it was a scam. I never received a confirmation or receipt, so I figured I was in the clear. On XX/XX/year> I saw in my XXXX XXXX account that there were XXXX {$9.00} international transactions fees and XXXX {$300.00} transfers to Revolut in XXXX. I certainly did not approve or authorize those transactions. I contacted XXXX XXXX and the claim was denied. I have requested the paperwork on that decision. Revolut will not work with me unless I have a police 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 monetary relief
Consumer complaint received 2024-01-25 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
In XX/XX/2023, this credit from XXXX XXXX was removed from my credit report. ( Use the picture attached as a reference ). 

In XX/XX/2023, a collection was added to my credit report by Midland Credit Management notifying that the original creditor was XXXX XXXX. This verify that this company is reporting fraudulent inaccurate information on my credit report. 

I, XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me verification of this alleged debt. Verification consists of a formal declaration in which you swear the truths of the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which included reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
attached. 
WE ARE THE ISSUERS PER THE LOAN DOCUMENTS/AGREEMENTS SIGNED : WE HAVE EQUITABLE INTEREST AND BENEFICIAL OWNERSHIP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
XX/XX/XXXX I mailed out a XXXX dollar money order. I've given them enough business days to reflect it on my account. I go and check at the post office to hear they have cashed my money order and it's not my account. I've called for XXXX weeks straight to get it situated, emailed and uploaded my money order receipts directly to them and the only thing they say is that their finance department is cut off to them, and they know nothing about what they do in that department. I've received no help with Edfinanical. I'm a XXXX XXXX and I'm trying to pay my loan off because it's gaining interest. This is the XXXX time I'm dealing with them cashing money orders and not reflecting it on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My statement indicates that Chase is charging fraudulent fees on my account and an effect interest rate of over 200 % on one of my purchases. Compare the three plans in the attachment and see the difference. Chase indicates they intend to collect 2 monthly payments of {$470.00} to satisfy a remaining principle balance of {$690.00} amounting to an outrageous {$220.00} in interest and fees for a period of two months on a balance of {$690.00}. This obviously doesn't make any sense because the other two plans are stated accurately except for a small rounding error of a few cents. This calls into question the integrity and accuracy of the entire statement as well as the Chase pay over time system. 

Additionally I continue to have problems with Chase refusing to handle disputes properly. I have already complained multiple times in writing, by telephone and through CFPB about this issue. I provided detailed information about the unauthorized charges made to my card. There is no additional information to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

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 2024-01-25 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: MI

Complaint narrative:
I noticed hard inquiries that do not belong to me when I checked my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Denied a credit application no consumer is suppose to be denied credit and they are committing securties fraud by selling receivables without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

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 2024-01-25 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: NH

Complaint narrative:
Per FRCA as a federally protected consumer I am opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. This is effective immediately and indefinitely.

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 2024-01-25 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: NH

Complaint narrative:
Per FRCA as a federally protected consumer I am opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. This is effective immediately and indefinitely.

Company response to consumer: Closed with explanation