vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: MS

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, XXXX XXXX Subject : Formal Complaint against Consumer ADJ CO Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Consumer ADJ CO for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Consumer ADJ CO placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Consumer ADJ CO, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Consumer ADJ CO provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement XXXX contain clauses stating that the data being purchased might be inaccurate. If Consumer ADJ CO is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Consumer ADJ CO is blatantly false. I neither received any services or products from Consumer ADJ CO nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Moreover, it has come to my attention that Consumer ADJ CO is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of Consumer ADJ CO constitute clear violations of 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 XXXX XXXX XXXX XXXX XXXX XXXX  ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 
Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from 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 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
County Clerk shows that a lien still exists on a vehicle that I possess that was opened on XXXX with Regions Bank. I am not sure but my best guess would be that it would have been paid off in early XXXX. My wife tried several times to get this completed when it was paid off but we soon forgot about it. Now we are trying to sale the vehicle but cant because the XXXX shows a lien. Region says that their files from that far back have been purged from electronic storage and we are getting the run around again on obtaining a lien release. They can verify that neither me or my wife have a loan with them but still wont issue a lien release.

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 2024-02-29 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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom this may concern my name is XXXX XXXX XXXX, and I am writing this statement for myself. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B- permissible purposes of Consumer Reports ( a ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) by the written instruction of the consumer to whom it relates. I've never given these consumer reporting agencies my written verbal instructions to report anything on my consumer report which violates my right as a federally protected consumer. No consent is also identity theft. As a federally protected consumer, I am demanding the deletion and removal of these listed accounts immediately. 

ADDITIONAL UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My debit card was skimmed a few weeks ago. The perpetrator used my card to withdraw money by using the cashback from XXXX XXXX times and the ATM. The total amount withdrawn sums up to roughly {$8600.00}. I filed numerous claims to Chase regarding all of unauthorized transactions. I also filed a report to the XXXX Police Department. 

All of the claims resulted in denial, due to the fact that the debit was in my possession and that the card and pin number was used. I have evidence proving that I was not at the location at the time the debit card was illegally used. I also have a rare history of using my debit card to withdraw money from the ATM and have NEVER used it at a XXXX location. I did not shop at a XXXX using my debit and my credit card as well. 

I also did not receive any fraud alerts of these repetitive transactions that occurred. Yet, Chase is not considering any of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by Jefferson capital systems ( XXXX XXXX ). I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Incorrect personal information is 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 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Galaxy Capital Acquisitions, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX Galaxy International LLC, through their attorney XXXX XXXX, XXXX executed a garnishment ( copy attached ) against my XXXX XXXX  account seizing {$2000.00} from my account for a default judgment of {$9000.00} ( now {$9900.00} with interest accrued ) they received through XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX. I moved from XXXX  to XXXX  in XX/XX/XXXX and was not aware of any court case against me. I could not have been properly served as I had not lived at the address the company has for me since before the case was filed. There was no attempt to contact me for 1.5 years by either Galaxy or XXXX, the first indication I had a legal suit against me was the garnishment notice. I filed a formal change of address with the XXXX when I moved and I am not hard to find in public records. I do not know this debt and have no known connection to Galaxy International, LLC. Through research, I discovered XXXX is a foreign-owned debt purchasing company and discovered that the XXXX XXXX XXXX district court docket is loaded with Galaxy lawsuits handled by their attorney XXXX XXXX XXXX XXXX I made contact with XXXX XXXX on XX/XX/XXXX to request additional information. I was told they would be in contact within a week. I have not heard from XXXX and my multiple attempts to contact them led to voicemail with no callback. Whatever debt they may have purchased in my name, and with no details from Galaxy I can not even validate if this debt was ever mine, would have been from 10-15 years ago, and being sued without notice and having my funds garnished is beyond shocking and impactful. This is the most predatory business model out there. Throw out 100 's of lawsuits, with no attempt make contact with unsuspecting consumers who may or may not even owe the original debt purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-02-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Each time I make a payment I see that NewRez has a late charge balance of {$290.00}. I am questioning the validity of this charge and would like to know where the charge is coming from as I have never been late with NewRez. Furthermore, I have attached my discharged bankruptcy and advise that I do not currently owe any debts and would like for NewRez to stop requesting this erroneous late charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: WI

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I closed a joint account with Apple/Goldman Sachs , then opened a new account with them solely. The joint account had no balance when closed, they told us it was fully paid off, it turned out it had an installment balance for a new XXXX on it that did not show on my mobile app. Apple/Goldman Sachs stated that they called me and said that I need to call in payments for the installments on the old account, I do not recall receiving this call. Apple/Goldman Sachs emailed me on XX/XX/XXXX to make a payment of {$17.00} ( which is the installment payment ), I opened the link/wallet app and made a {$50.00} payment, they then emailed me on XX/XX/XXXX to make the {$17.00} payment, I then paid off the entire card balance. This entire time I was paying the current card I have, not the closed account, even though the email stated to open the wallet app and never gave an account number assosciated with the payment request. So Apple/Goldman Sachs was linking their email payment requests for my old account, to my new account, a severe glitch that now has lowered my credit score by XXXX points, as they claim I have a past due balance. I have multiple records of phone calls with Apple/Goldman Sachs asking if I have a past due balance because I kept receiving phone calls stating I did, which sounded like spam. I would call Apple/Goldman Sachs and ask and the agents all told me these are mistake calls and my account is paid. Until recently, I called again and spoke to a higher level supervisor and he said I had a {$410.00} balance due, which I immediately paid the same day, but this was too late as it hit my credit score on XX/XX/XXXX. This is very misleading, and lead me to have a balance due that I thought I paid off but it was not going to the correct account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/2023 I reached out to Money Network ( MN ) to inquire why my transfer from MN to my personal bank ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Member FDIC ) was being declined. MN stated that my personal bank was not a bank that they could transfer to. They told me that they would try to clear any flags on the account and to try again the following day ( XX/XX/XXXX ) ; witch I did to no avail. On XX/XX/XXXX I called again and I asked if they had a list of banks that they could transfer to without issue, and they said they didn't have a list of banks to transfer to without issue. They then advised me on the " easiest '' way to get my money out of the account, which all entailed going to an ATM or check cashing business and withdrawing my cash ( consequently paying their transaction fees ). They advised that if I went to a MN, in network ATM that I could take out my funds, but likely in denominations of {$20.00}, therefore leaving a portion of my total balance in the account, and therefore unaccessible to me to use as I wish, in full. If I could transfer the money that is mine from MN directly into my personal account, then that amount could accrue interest, or I could use it as I deemed fit. In this scenario, I am forced to abide by constraints set by MN, and to pay associated fees for withdrawing from their ATM network ( which is {$1.00} for amounts of {$800.00} ( the total allowable withdrawal per XXXX ). If EDD deposits {$1600.00} ( which will happen as long as XXXX XXXXXXXX  ), they I will have to go to an ATM two days in a row, but will still leave {$20.00} in the account this is unacceptable. The only morally correct resolution in this circumstance if for MN to provide transfers from their network to all other banking institutions with no fees the money is mine, in full, and I should garner no fees for using it as I wish, in a timeline that I deep fit. Yes, I could use the card as a simple debit card, but then again, the remainder of the money in the account is not in my personal account accruing interest. If MN can retain fractions of my EDD deposits at their will, then either they have to pay me interest, or pay for the fees associated with handling transfers to my personal account. 

To be honest, this feels like a scam ( which the state is complying with ) ; I have no choice in avoiding this contact that is provided to me. The MN contract for this specific account sets forth an agreement which I have no other choice but to accept that is unacceptable and unlawful. If MN is going to have a link to " transfer funds '', then it should work without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to  report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/year> Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: AR

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I reviewed my consumer reports and noticed that i had late payments on TWO accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/XXXX ) through dates ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/year> XXXX told me that there was a ID Verification Lock on my Credit Report and on my wife 's Credit Report. XXXX told me to send in proof of our ID to : XXXX. We sent in the information on XX/XX/year> and were told that it would take about a week to ten days to remove the Lock. We have not heard back from XXXX so I called customer support and they told me to resend the information and it would be about a week to ten days to resolve the problem and XXXX hung-up on me. 

My main concern is that I have received several emails from XXXX telling me that IF I sign-up for their account for {$29.00} at month each, all of our Credit Reports and account information will be instantly available but if I just want our Free Credit Report, well they can not provide that until the ID Verification Lock is removed

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