vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DigniFi
State: TX

Complaint narrative:
A man named XXXX XXXX sent me a copy of a " contract '' that I had never seen. It had amounts for interest and principal that are completely foreign to me. 

I have used this firm before and the agreement that I made previously was carried out exactly as agreed. 

This time, they overcharged me in a most predatory fashion. In addition, the contract that XXXX XXXX emailed to me had an interest rate of 29+ percent. I would NEVER agree to a contract interest rate higher than 12 %!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the three credit bureaus didnt make sure that was reporting 100 correct, fair and accurate. They didnt even preform the investigation. They sent me a generic template letter saying we applaud your attempts but we are not going to do the investigation because we think it didnt originate from you even though I sent all the proper documentation they require. It is like they just threw away my disputes.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the three credit bureaus didnt make sure that was reporting 100 correct, fair and accurate. They didnt even preform the investigation. They sent me a generic template letter saying we applaud your attempts but we are not going to do the investigation because we think it didnt originate from you even though I sent all the proper documentation they require. It is like they just threw away my disputes.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i (
5 ) these accounts are in violation of not reporting 100 % accurate

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports.

The inaccurate information on my credit report is as follows : 1. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

2. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

4. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

5. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines.

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report.

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: IL

Complaint narrative:
I looked over my consumer reports and i did not give consent of these accounts to be furnished on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: IL

Complaint narrative:
I looked over my consumer reports and i did not give consent of these accounts to be furnished on my reports.

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 2023-09-11 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: PA

Complaint narrative:
I keep disputing an item from a company called XXXX XXXX. This debt is from a medical bill with an XXXX. I have had medical bills that were deleted of my report even XXXX  bills. This XXXX  called the police when I refused the ride and felt ok to have my friend drive and take me to the hospital when all I and was a XXXX XXXX something that I suffer from. I knew that my insurance would not pay for this and that is another reason why I refused the bill. I feel that I should not have to pay this bill when I repeatedly refused a cop made me stay.

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 2023-09-11 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: LEXISNEXIS
State: TX

Complaint narrative:
my information has been stolen and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint against Aargon Collection Agency, a third-party debt collector, regarding their handling of a debt validation request and their reporting of this debt on my credit report. 

On XX/XX/2023, I initiated a dispute with Aargon Collection Agency by requesting specific documentation to validate the debt they are attempting to collect. In my dispute letter, I specifically requested the following documents : 1. Copy of the Contract : I requested this document to understand the terms of the alleged debt.

2. Copy of the Purchase Agreement : I requested this document to verify Aargon Collection Agency 's ownership of the debt.

3. Last statement with a zero balance : I requested this statement to confirm the balance at the time the alleged debt was incurred. And, all statements leading up to the alleged debt amount : I requested these statements to understand how the charges were calculated, leading to the amount claimed by Aargon Collection Agency, which is {$720.00}. 

Despite my request for validation, I received a response from Aargon Collection Agency dated XX/XX/2023, where the only documentation provided was a statement of fees. This statement did not sufficiently validate the debt, and my concerns remained unaddressed. 

In an effort to obtain accurate and complete validation of the debt, I sent another dispute to Aargon Collection Agency on XX/XX/2023. However, the response I received, dated XX/XX/2023, was identical to their previous response, consisting solely of a statement of fees. This repeated failure to provide the necessary documentation for debt validation raises significant concerns about the accuracy and validity of the debt they are attempting to collect. 

Furthermore, Aargon Collection Agency has reported this debt on my credit report without adequately validating it, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). As a result, this inaccurate and unverified debt is adversely affecting my creditworthiness.

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 2023-09-11 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: Self Financial Inc.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act this company has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: CA

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

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

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

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

Company 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
My current student loan servicer is with XXXX and EdFinancial was my previous servicer. My student loan was transferred to XXXX from EdFinancial. However, EdFinanacial is still reporting my balance that I have an open account with XXXX. I have XXXX also reporting my balance to XXXX too. My student debt balance is now reported as double on my credit report on XXXX, one from XXXX and one from EdFinancial. Ed Financial refuse to close my balance with them and indicate it was transferred to XXXX. The double reporting of student debt has a negative effect on my credit score. 

I've attached a copy of XXXX report that EdFinancial justified that my student loan debt is still with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act this company has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-11 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act this company has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Chase Business Account Claim Department in Texas Dear CFPB, I am writing to file a complaint against the Chase Business Account Claim Department located in Texas. Since the beginning of this year, they have been engaging in questionable practices that have greatly affected my business operations. 

My company officially started its commercial activities earlier this year and set up a website, requiring the purchase of various internet-related services. Suddenly, several domestic service providers in the United States, including the Chase Claim Department, seemed to have colluded against me. In the end, I had to set up the website 's server to a company in XXXX to run it normally. They either refused to provide services or, when they did, the services were all open source and were immediately canceled by me. However, they immediately joined forces to siphon funds from my account. This includes clear evidence in the form of emails and receipts showing payments made to the other party. My company has not received a single cent in its Chase account, and they transferred the funds directly to the companies providing the canceled services. 

From that moment on, Chase 's Business Account stopped depositing any payments to my account, and they have been withholding refunds and payments I have made for over a year. Additionally, this Department has colluded with other businesses to steal money from my account. I have provided evidence showing that these businesses did not provide any services, and their services were supposed to be free for 30 days. I only tried their services for a couple of hours and canceled within that timeframe. However, there have been multiple instances where they took my money and refused to refund it. It appears that they are returning the funds to the service providers, and I have been unable to recover these amounts. 

The main reason for these issues is that at the beginning of the year, I started various commercial activities, and I may need to try out new projects. Therefore, I experimented with several businesses, but Chase 's account handling department kept returning my money to the service providers and refused to help me recover it. They seemed to be aiding these businesses in stealing money from my account. This eventually led me to change the server settings for my website to ensure normal operations. 

I kindly request that the CFPB investigate these practices by the Chase Business Account Claim Department in Texas and take appropriate action to rectify the situation. I believe that their actions are unethical and detrimental to my business operations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: GA

Complaint narrative:
Hello There are so many hard enquiries on my consumer report that I do not recognize Such as Date : XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have several unauthorized accounts on my credit report. Please remove them immediately.

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 2023-09-11 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: NY

Complaint narrative:
I am filing a complaint for improper use of credit report. In accordance with the Fair Credit Reporting ACT : these credit reporting agencies XXXX and Transunion has violated my rights. According to USC-15 1681a ( 2 ) ( 1 ) under exclusions - this is illegal and they may not treat a payment late for any purpose ie. document PAYMENTS as late creditors can't make THIS claim. Also 15-USC-1681 Sec- 602 states " I have a right to privacy '' and 15-USC 1681 sec 604a ( 3 ) - a consumer reporting agency can't furnish a consumer report to a user unless there is a permissible purpose and my written instruction. To to do is in direct violation with 15-USC 1681 SEC.604 ( f ). Prohibits any person from obtaining a consumer report from a consumer. These accounts are in direct correlation with the aforementioned FCRA codes that have been violated. This has happened with my XXXX XXXX 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 2023-09-11 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS # XXXX XXXX XXXX XXXX LAST XXXX SS # XXXX  I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves

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 2023-09-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute regarding unauthorized charges and the bank rebilled me without fixing the fraud claim

Company response to consumer: Closed with explanation