vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
I am writing to file a formal complaint against several entities involved in the collection and servicing of my mortgage debt, alleging numerous violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). 

FDCPA Violations : Debt Validation : Despite repeated requests for debt validation on [ Dates ], I have not received the required information from Aldridge Pite, raising concerns about legitimacy and potential fraud.

Multiple Debt Collectors : Aldridge Pite claims to collect the same debt on behalf of two different companies, causing confusion and potentially violating FDCPA. 
Mishandled Debt Transfer : XXXXXXXX XXXX transferred my account to XXXX without providing proper information, violating FDCPA. 
Misrepresentation and Confusion : Aldridge Pite repeatedly misrepresented their affiliation with multiple entities, further muddying the situation. 
Ignored Dispute : Despite timely debt validation requests, Aldridge Pite continues foreclosure proceedings, disregarding my rights. 

TILA Violations : Missing Disclosure Forms : XXXX failed to provide required TILA forms ( H8 and H9 ) regarding my right of rescission at loan closing. 
Ignored Rescission Notice : My exercise of TILA-based rescission and demand for property release went unheeded, with Aldridge Pite continuing foreclosure. 

I urge the CFPB to investigate these illegal and predatory practices and take appropriate action against the involved parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: DE

Complaint narrative:
THESE BIG COMPANIES XXXX XXXX  ETC XXXX CONTINUE TO INTENTIONALLY AND UNETHICALLY STRONGHOLD YOU PAY A BILL/EQUIPMENT THAT HAS ALREADY BEEN TURNED IN/PAID IN LIEU OF GIVING BACK A REFUND!!!! A SLIMY TACTIC!!! 
I have contacted XXXX and the debt collector before that XXXX  ASSIGNED ME TO with PROOF & FACTS. EVERYTIME I REQUEST MY LONG OVERDUE REFUND FROM XXXX XXXX  THEY ASSIGN ME TO ANOTHER DEBT COLLECTOR. IN LIEU OF GIVING ME MY {$150.00} REFUND PLUS INTEREST!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
XXXX begging you please remove this to 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 explanation
Consumer complaint received 2024-02-23 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: Child Support Recovery Services, Inc.
State: MD

Complaint narrative:
CSRS , Inc, a collection agency, located in XXXX Maryland is conducting illegal and unethical credit reporting practices, by leveraging the credit bureau reporting agencies platform against consumers, by creating fake and bogus credit trade line entries, in order to collect, money, that were not obtained through lending organizations. For example, I received a sign-on bonus from a formal employer of XXXX while working in the state of Virgina, by law in the state of Virgina, bonuses are considered earned wages and not credit!!

After leaving the employer, within XXXX XXXXtime, the employer decided to ask for portions of the bonuses back. The employer after failing in an attempt to collect through the judicial system, has now decided to get CSRS , Inc, involved to collect on said bonus, however, again, bonuses are not credit, but wages earned in the state of Virgina. and can not be collected as credit debt. CSRS Inc, has manipulated the credit reporting agencies platform, by creating dummy trade-line accounts, listing the formal employer.as a creditor, which happens to be an XXXX XXXX XXXX and ( Not a lending organization ) based out of northern Virgina, which it fully doesn't operate under!! Therefore, CSRS Inc, is clearly using unethically and illegal practices in order to gain a favorable posture over a consumer. Moreover, matters between an employer and formal employee regarding wages earned or not earned, is a court matter, and not a collection agency, PERIOD!

CSRS Inc, is abusing the system and making a mockery of the industry wholistically!!! This company needs be stopped and investigated immediately. If this isn't addressed swiftly, considering the damages to my true credit reputation under fake and bogus trade-line accounts, I will sue all parties involved!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My BILT Elite ( Wells Fargo ) credit card has a fraud transaction that happened over my limitation. I only have XXXX limitation on that card and I only use it for my renting payment. However, after I spending XXXX  on my renting and there is an overcharged transaction that was not made by me getting approved with my card. How can that happened. I never received any email or text or call from the bank for this over changed transaction. The bank took no reaction on my fraud transaction!!! The transaction was happened in Florida when I am living in MA. I called the bank and they r not helpful at all ( they asked me to pay that amount first ) Stay away from Wells Fargo!! I always pay my bill on time and this is how they treat me when I have been scammed

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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased an e-bike in XX/XX/2023, and I had problems with it right away so I returned it to the merchant Sir XXXX XXXX. I purchased the bike using my Apple card so I contacted them to dispute. The charge in charge was disputed but then after three months the charge was put back on my account so I contacted Goldman Sachs and they reverse the charge again three months went by and they put the charge back on, I submitted several pages of proof that I had returned the bike to the Sir XXXX XXXX place, but the charge keeps coming back to my account. I spoke to several supervisors at Goldman Sachs, but I can not get the charge to stay reversed. Goldman Sachs will not provide me with any information as to what they are using to determine that the charge is real. I have nobody to contact and now I have an {$1800.00} charge back on my account that I must pay. I found an article online that your department Looked into Goldman Sachs practices with this exact issue where consumers are not getting refunds for fraud, or disputed charges on their credit card. 
I hope you can help me get this charge refunded. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: MD

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2024-02-23 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: MD

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
NetCredit is the company. 
XXXX XXXX XXXX NetCredit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Engaged in false and dishonest tactics to collect debt. Account was overdue due to financial issues. Net credit called and offered a payment agreement to settle the loan for a monthly payment. I was told on a recorded line that this would update the account as current, and would reflect payments being made to the accounts. The representative LIED, this has reported late on my Credit Report even though a payment was made. Rep now says because account is closed, it will continue to show late payments until the full balance is collected this was not the terms of the agreement offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to TRANSUNION to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX FTC Report XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. 
I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRANSUNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRANSUNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

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 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I do receive an email showing a purchase of a bitcoin through PayPal. I havent never request or buy any bitcoin or authorized this transaction. It looks like a Scam. 

Please make and investigation regarding this company and the fraudulent transaction. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BANK OF AMERICA Account type - Credit card Date opened - XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Above Account created under BANK OF AMERICA XXXX XXXX was never late for payment of the account as I have setup an autopay system for my account. This is a billing error. 
According to 15 U.S. Code 1666b this is a billing error always paid as agreed on time this is an error this account in violation.

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 2024-02-23 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: GA

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and unauthorized I need these lists of inquiries removed from my credit report. 

Account Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
FCRA 605B indicates that incorrect accounts need removal from credit reports. Please review the documents ; some accounts are inaccurate on my report, causing distress and discomfort.

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 2024-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have three accounts with synchrony bank, or had. Lowes, Amazon, and XXXX XXXX. All of my accounts with them have always been in good standing, I use the accounts frequently and I pay them down or off quickly. 

Amazon had a {$2900.00} limit XXXX XXXX had a {$1500.00} limit Lowes had a {$1000.00} limit These limits were as of mid XXXX after making my monthly payments, and the amount owed on these cards were Amazon {$1100.00} Lowes {$35.00} XXXX XXXX {$0.00} After I made payments on these cards I received letter that stated that they closed my Lowes account because I was no longer credit worthy based on information they received from XXXX. 
A few days later they cut my Amazon from {$2900.00} to {$1100.00} Today my XXXX XXXX was cut to {$100.00} from {$1500.00}. They stated it was " after a review of my account ''. 

My accounts have always been in good standing, all of them. I have never had a late payment. I have always used my account in a manor of the agreement I signed when I opened the credit cards. They quoted I had high balances on the letter I received from my Lowes card. I wont lie I did, and then I paid them off. Most of the information they obtained was not current or accurate. 
Two of the cards that had a high balance according to the the statement they used from XXXX were paid in full at the time they received the information. 
Unfortunately the only person that is damaged by this is me. I do not have a ton of revolving credit, so having my account drop from a total of {$5400.00} to {$1200.00} which is around 78 % is extremely damaging. 

All of my account have been in good standing from the time I opened them. Synchrony basically snowballed my credit into a bad place with out me every doing anything against my contract terms. 

I would rather not attach files due to personal information but I can supply them if needed. Also this is for 3 different account I only had the option of providing XXXX account number but I can provide the rest if needed.

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 2024-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was a tenant at XXXX XXXX XXXX from XX/XX/XXXX to around XX/XX/XXXX. I was told by the management team at that time if I needed to leave the apartment I would be given a reletting fee. I was not when I had to leave due to my mother living alone and XXXX XXXX XXXX at her home with no help. On XX/XX/XXXX the company reported that I owe them {$6200.00}. I do not owe that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DailyPay, Inc
State: SC

Complaint narrative:
Daily pays has my account with an owed status of over {$700.00}. I use this app to access my pay early I have know control over anytime but the money I can access so they need to collect the debt from XXXX and not me that was there mistake!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Yes Online Inc
State: OK

Complaint narrative:
The collection agency is listed on experian as Dynamic Legal Recovery on XXXX  and XXXX they list same debt collections agency yes online inc this is a corporate debt not a personal debt, they know this, they threatened to ruin my credit on the phone. I have asked them to verify debt in us mail several times and they have failed to do so. XXXX will not remove the collections, XXXX will not remove the collections nor XXXX. This deriggatory info on my credit file is damaging to me in which it is not my personal debt they should remove derogatory info immediately i have attached an order form the creditor XXXX XXXX  not XXXX XXXX gave to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV Funding, LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the unauthorized addition of a delinquent account to my consumer credit file. 

Details of the complaint are as follows : **Unauthorized and Fraudulent Credit Profile : ** While reviewing my recent consumer credit file, I discovered an unauthorized and fraudulent credit profile listed by LVNV Funding , LLC . I did not authorize anyone employed at your company to view or add a delinquent account to my consumer credit file. This action is a direct violation of the Fair Credit Report Act Section 1681b ( c ), constituting fraudulent activity and a serious breach of my privacy rights. 

**Verification and Documentation Request : ** I request LVNV Funding, LLC to validate the information listed in the credit profile mentioned above. Please provide copies of any documentation associated with these accounts bearing my signature, authorizing an account. Additionally, I demand the production of a contract between LVNV Funding, LLC and me, the consumer, bearing my signature, showing that I gave permission to furnish any information on my behalf. 

**Immediate Deletion of Fraudulent Inquiries : ** In the absence of documentation bearing my signature, I formally request that these fraudulent inquiries and the associated delinquent account be immediately deleted from the credit file maintained under my Social Security number by LVNV Funding , LLC . 

**Compliance with FCRA : ** LVNV Funding, LLC is obligated to complete this investigation within 30 days, as per the Fair Credit Reporting Act Section 611. I expect full compliance with the FCRA and timely resolution of this matter. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into LVNV Funding, LLC 's actions and ensure that corrective measures are taken promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation