vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: NJ

Complaint narrative:
Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by ALDOUS AND ASSOCIATES, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by ALDOUS AND ASSOCIATES , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand ALDOUS AND ASSOCIATES, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that ALDOUS AND ASSOCIATES , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital sent me a collection from XXXX XXXX XXXX regarding a debt from XXXX XXXX Bank that I never received. 
Jefferson Captial Resent the collection back to XXXX XXXXXXXX. 
Jefferson Captial needs to remove all information as collections from XXXX and XXXX XXXX XXXX. 
Jefferson Capital has no right to have collections showing on any credit Bureaus or Risk management companies as to this debt. 
Account Number Ending : XXXX Account numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: AZ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 explanation
Consumer complaint received 2024-06-11 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are harming my ability to obtain credit

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 2024-06-11 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: NY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a XXXX Home Depot illegally sent my account to outside collection company without properly notifying me. I was not given Due Process. I made numerous attempts to satisfy my debt at store and over the phone Home Depot refused to accept my payment. The Cops where called on me several times. Home Depot withholding information which a violation of common law USC 2071 Concealment, and also violating Judicial notice.Home Depot has violated numerous USC regulations and multiple constitutional rights. I should not be treated like this as a XXXX veteran.Home Depot is saying didn't discriminate against me but I asked for accommodations multiple times. I filed a federal lawsuit regarding these statues.

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 2024-06-11 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:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: PA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a discrepancy I have found in my consumer report. Upon reviewing my records, I noticed an instance of a late payment on an account for which I have never been tardy in remittance. 

The account in question is with XXXX XXXX, bearing the account number # XXXX XX/XX/XXXXXXXX. According to my records and diligent financial management, there has never been a late payment associated with this account. 

Consumer reporting agencies such as yours play a pivotal role in maintaining the accuracy of consumer information, and it is with this understanding that I urge you to thoroughly investigate this matter. I kindly request that you provide conclusive evidence, in the form of statements or documentation, demonstrating the alleged late payments on the aforementioned account. 

Should you find no evidence to substantiate these claims, I hereby demand that the erroneous late payments be rectified promptly. It is imperative that my credit report accurately reflects my payment history, particularly when it concerns payments that were made diligently and on time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution. Thank you for your cooperation and assistance in ensuring the accuracy and integrity of my consumer report. 

Sincerely, 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 explanation
Consumer complaint received 2024-06-11 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: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
the companies have lest on my credit report accounts that are clearly not mine and i have requested verification and asked for them to be deleted such as american honda XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: CO

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-11 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: TX

Complaint narrative:
I have previously sent that there are payments missing to my account. I have recently found over XXXX XXXX dollars worth of missing payments now. please see the message i sent to edfinancial along with the ach payments- i have all bank statements as well. 
I NEED HELP- WHERE IS THIS MONEY AT??????? MY LOAN SHOULD BE ALMOST PAID OFF!!!!!!!!! Which account is XXXX? which account is XXXX? 
XXXX XXXX, XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$110.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$110.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$250.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$200.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$250.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$200.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$360.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$1500.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$800.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$200.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$220.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: Diversified Adjustment Service, Inc.
State: AL

Complaint narrative:
Under code 15 use 1681a2 that my information was sold without my knowledge or consent my credit reports shows my accounts has been written off as a collection debt and it's closed and still on on my credit reports XXXX. XXXX XXXX XXXX ( XXXX XXXX ) for {$460.00} XXXX. XXXX XXXX ( XXXX XXXX ) for {$470.00} XXXX. Diversified Adj Services for {$100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: AL

Complaint narrative:
Under code 15 use 1681a2 that my information was sold without my knowledge or consent my credit reports shows my accounts has been written off as a collection debt and it's closed and still on on my credit reports XXXX. XXXX XXXX XXXX ( XXXX XXXX ) for {$460.00} XXXX. XXXX XXXX ( XXXX XXXX ) for {$470.00} XXXX. XXXX XXXX XXXX for {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: DC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Your company is furnishing inaccurate information to consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

Your company 's inaccuracy has damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Under 15 USC 1692c- I XXXX XXXX as the consumer is refusing to pay a debt collection to your company. 

Your company and I XXXX XXXX did not have a contract. I am not liable for this debt. 

You MUST DELETE this from my consumer reporting profile in the next 30 days. 

Your company can not report any information on consumer reporting without my written permission. 

Notify each bureau this collection has been DELETED. 

Once you have DELETE this collection from my consumer reporting profile, make sure to send it through certified mail only. 

Thank you for your attention for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have processed a balance transfer with Bank of America XXXX on XX/XX/year> for {$2500.00}. I have provided the correct information to transfer {$2500.00} to XXXX XXXX XXXX. I have received an email confirming where the balance transfer is being processed to which had the correct information. Bank of America XXXX XXXX XXXX, a completely different company, with the transfer on XX/XX/year>. I have called and a case was opened to fix the issue or look into it. I was told to wait XXXX days, when I called back for a follow up I was told to wait XXXX days, then XXXX days. Now still nothing is being done and now I owe {$2500.00} to XXXX XXXX XXXX and {$2500.00} + fees to Bank of America for the balance transfer that was done to XXXX XXXX, a company I dont even have an account with. XX/XX/XXXX I am being told that a new case will be opened. I have provided the email confirmation from Bank of America confirming a balance transfer to be paid to XXXX XXXX XXXX. I have done a balance transfer to XXXX XXXX XXXX using the exact same information with other credit card companies with no issues. I use the exact same information that was provided for the balance transfer to pay my bill with Bank of America bill pay with no issues. There is no reason why Bank of America XXXX XXXX XXXX, and it seems nothing is being done.

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 2024-06-11 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: TX

Complaint narrative:
I recently conducted an investigation into my credit report, which, unfortunately, caused me significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items. It appears that your agency has failed to ensure the 100 % accuracy of the information reported.

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all information on my credit report be reported with complete accuracy. However, the accounts in question, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), seem to be in violation of this requirement.

I am attaching copies of all letters sent regarding these discrepancies for your review. It is imperative that these errors are promptly rectified to ensure compliance with FCRA standards and to alleviate the negative impact on my credit standing.

Thank you for your attention to this matter, and I trust that you will take the necessary steps to address these issues in a timely and accurate manner.

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 2024-06-11 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: TX

Complaint narrative:
I recently conducted an investigation into my credit report, which, unfortunately, caused me significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items. It appears that your agency has failed to ensure the 100 % accuracy of the information reported.

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all information on my credit report be reported with complete accuracy. However, the accounts in question, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), seem to be in violation of this requirement.

I am attaching copies of all letters sent regarding these discrepancies for your review. It is imperative that these errors are promptly rectified to ensure compliance with FCRA standards and to alleviate the negative impact on my credit standing.

Thank you for your attention to this matter, and I trust that you will take the necessary steps to address these issues in a timely and accurate manner.

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 2024-06-11 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: CA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have a string of emails about this.

The Loan Application people needed a huge list of documents, and had very particular specifications for what counted as a 'document '. I worked through all of that mess to deliver everything I could. They also needed a signed copy of the Loan Deferment I received from
Discover Home Loans ( the same company I was applying for a refinance with ) during COVID. That paperwork does not exist, but I didn't know that at the time, I just knew I did not have it.

I talked to several people several times in an attempt to get this info, and I have received several letters and emails about the 'ongoing ' process. One such email stated that the signed agreement does not exist.

But meanwhile, the Loan Application folks canceled and closed my application for 'failure to provide documentation '.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within XXXX days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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