vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
XXXX XXXX is reporting a business account to my personal credit report while reporting inaccurate information regarding the terms of agreement and the balance my request to have this inaccurate information removed from my credit report is a violation of my Rights according to the FCRA. this account was paid off by my business insurance and the company continued to charge me interest and continues to report the balance and late payments to me reports causing me issues with improving and utilizing my credit. Section 623 of the FCRA states that a furnisur must not furnish inaccurate consumer to the fcra and that furnishers must investigate the furnished information. 
it also states that a creditor must noe report a balance after beinf told the balance is incorrect. my insurance company paid them directly anbd the balance and all the missed payments still show. and experian and XXXX still have not removed the account from my reports. My credit is suffering because of this.

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 2024-02-24 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: VA

Complaint narrative:
On XX/XX/2023 I filed a complaint with the cfpb # XXXX also uploaded all required documents that supported my request to block information as a result of identity theft. In the response to my complaint mentioned above Equifax stated they are not XXXX XXXX XXXX XXXX XXXX XXXX. However, its still being reported. They also have disabled my ability to reprocess my request through my online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
Because I was operating a short term rental, a {$10000.00} fine was imposed on me. Without notice, I was contacted by Aargon Collection Company to pay the debt. I was offered a reduction in the fine of {$5000.00}, but later learned that that was only if I paid that amount right away. After constant and repeated calls even when I asked that they stop, I agreed to a payment plan thinking it would be for the {$5000.00}, but again, later learned that the financing would be for the full {$10000.00}. In order to stop the calls, I agreed to a payment plan and am currently paying $ 150 monthly. There has never been any written agreement provided so unfortunately do not have anything to provide. Everything has been verbal over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Dear CFPB Team, I trust this letter finds you in good health. I am writing to bring to your attention several concerning violations of the Fair Credit Reporting Act ( FCRA ) committed by TransUnion, a prominent credit reporting agency. 

On XX/XX/year> a Bankruptcy Removal Letter was sent to TransUnion informing the credit bureau of the unverified Bankruptcy on my credit profile.

Per the FCRA 623 ( a ) ( 5 ), it is explicitly stated that If the Credit Bureau can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Despite repeated attempts to validate the information regarding a bankruptcy on my credit report, TransUnion has failed to provide evidence of validation from the original creditor, thus violating this provision of the FCRA.

Furthermore, as outlined in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is legally obligated to verify all accounts and public information posted on any individuals credit report. This verification process should include physical verification of the original signed consumer contract and/or judgments. However, it appears that TransUnion has neglected to fulfill this obligation, resulting in the dissemination of unverified and potentially inaccurate information regarding my financial history. 

These violations have had adverse effects on my financial standing and have hindered my ability to access credit and other financial services. Therefore, I respectfully urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate measures to ensure TransUnions compliance with the FCRA. 

Enclosed with this letter are supporting documents relevant to my case for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, 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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, a purchase of {$1900.00} was posted on my Citibank account. The transaction was made on XX/XX/XXXX, and the merchant was named " XXXX XXXX XXXX MD XXXX ''. It was via my debit card at that time with the ending XXXX. I never consumed at this merchant, not had I consumed at this type of merchant. I found out this fraud at XX/XX/XXXX when checking my Citi mobile app. I called the official number of Citi immediately after finding this out and received a case number " XXXX '' from the dispute department.

I also requested to stop my debit card immediately and to stop any online banking services. Thus, my debit card has been inactive for 2 months ( I still used ACH to pay for credit card, but not using debit card ). I was outside of US in another country during XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX I followed up with Citi, and they said the case was closed because there was not enough information. I requested to re-open the dispute and received another case number " XXXX ''. 

On XX/XX/XXXX, I followed up again and got noticed that the case was closed again, and I requested to re-open it, I received another case number of " XXXX ''. Being rejected twice by Citi, I asked for detailed reasons. They provided that " ( 1 ) the transaction was made online, so that although in the US I have not been outside of state CA, it could not be a proof of I could not consume at the merchant in state MD '' and " ( 2 ) I requested the replacement card 2 months after I filed the first dispute, and that was an evidence of me thinking my debit card as safe. '' Those reasons provided demonstrated extreme unprofessionalism and carelessness for customer of Citi. I follow up to them as " ( 1 ) if my account transaction history has been carefully checked, it could be easily found out that I have never consumed at this type of merchant. Also, the merchant seems to be camping, and I could not have benefitted from this service without physically being in MD, so there's no reason I could pay for it. I have never paid anything for others using my debit card '' and " ( 2 ) the request of replacement card was due to uncontrollable reasons of me not being in the US, and I have requested to stop my debit card and online banking services immediately after I found out this fraud. '' From these three interactions with Citi, I have been shocked by their irresponsible actions in protecting the financial security of their customers. Thus, I find it necessary to go to the government and seek more actions and professional help.

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 2024-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
In early XXXX of XXXX I attempted to trade in my vehicle, a XXXX XXXXXXXX XXXX XXXX  at XXXX XXXX in XXXX, TX. I was seeking to purchase a new truck, and trading in the old truck, XXXX XXXX XXXX of {$3000.00} was necessary to get a loan. 

However, my loan company, XXXX XXXX XXXX, had never sent me the title after I PAID OFF THE TRUCK back in XXXX. 

I reached out to XXXX to resolve this issue but they had sold the account to a company calling itself First Investors Servicing.

I then contacted First Investors to get the truck title sent to the dealership. However, First Investors alleged that {$6000.00} was somehow owed on the truck here in XXXX despite me paying off the loan in full back in XXXX after there was only {$1100.00} left on the note. So there was no note to sell First Investors by XXXX XXXX XXXX to begin with. This must be some sort of scam. 

Though I owed them {$0.00}, I nevertheless offered to settle this dispute with a payment of {$1000.00}, just to acquire the title and to get the fake collection I found listed on my credit report resolved. 

However, First Investors insisted on {$6000.00} from me ( {$6000.00} more than the {$0.00} I owed, and {$3000.00} more than the XXXX XXXX XXXX of a XXXX XXXX XXXX with XXXX miles on it ) even though I properly owe them nothing. But they would not budge, apparently feeling all-powerful over a powerless consumer in need of a new vehicle. This kind of abuse is precisely what the FCRA, FDCPA, consumer protection laws, and anti-fraud statutes exist to forestall. Yet this company persists in this activity. 

Even today I am still willing to settle for {$1000.00} just to get the title and get my car loan for a new, modern vehicle. This was a generous offer to First Investors since I paid off that truck to the previous note holder XXXX XXXX XXXX and owe nothing on this truck anymore to anyone. The entire issue is outrageous and abusive to this consumer who did nothing wrong. 

Please help me resolve this issue and get this successor note holder to release my paid off title and cease their false credit reporting. 

Thank you, 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 2024-02-24 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: NY

Complaint narrative:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I do not recognize these inquiries. I have requested that they be removed from the bureaus, but they were not removed. 
I am providing an identify theft report and I am requesting that they be removed because I did not authorize them.

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 2024-02-24 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: NV

Complaint narrative:
I do not recognize these inquiries. I have requested that they be removed from the bureaus, but they were not removed. 
I am providing an identify theft report and I am requesting that they be removed because I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2024 {$200.00} was stolen and put into bitcoin and I asked for a refund and they told me no there wasnt anything they could do and to do better with my money next time I called the cash app number several times on a recorded line and was disrespected and hung up on and no one would put a supervisor on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
Dont no this creditor or had any communication with this company information is wrong put a bill on my credit report that I never had fraudulent information on my XXXX credit report XXXX XXXX {$510.00} asked company to remove it fraudulent information XXXX XXXX company do not exist anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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 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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
File Number : XXXX XXXX XXXX XXXX improperly triplicated hard inquiries to Transunion for a single lease operation, instead of using the same inquiry for XXXX. XXXX. On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX pulled my credit report 3 times for a single lease. This was expressed in advance to the two different XXXX dealers with which I was negotiating. The authorization was for a single lease agreement, and once in their possession, the company could use it for a single or multiple deals, without damaging the client. Different banks have been already raising the variable rates due to excessive multiple inquiries on my report. Pursuant to the Fair Credit Reporting Act rules I demand removal for two out of the three hard inquiries.

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 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Unilateral Flight Change and Improper Charge by Chase Travel On XX/XX/XXXX, I received an email from Chase Travel notifying me of an change to my flight reservation. The email offered the option to accept the change or contact Chase Travel for assistance.

In the evening of the same day, I contacted Chase Travel by phone to request an adjustment to the new itinerary. The representative acknowledged my request and collected my contact information, stating they would process the adjustment. However, after a brief hold, the call was abruptly disconnected. 

Upon checking my email, I discovered that the original, undesirable change had been confirmed without my consent or the requested adjustment. Assuming this was an error, I waited for a callback from the representative, but none materialized after XXXX minutes. 

I subsequently contacted Chase Travel again, reiterating my request for the originally agreed-upon adjustment. To my surprise, the customer service representative disputed my claim, stating that the system indicated I had accepted the original change without requesting any modifications. This claim was repeated by a supervisor despite my repeated assertions that I had not authorized the original change. 

The supervisor offered to file a complaint on my behalf, but as of today, XX/XX/XXXX, I have not received any confirmation or update regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: NJ

Complaint narrative:
I have already called and made ALL 3 Credit Bureaus aware of the identity fraud that has occurred and have included FTC reports to all three reporting agencies. By FCRA Laws Section 609 ( e ), Equifax, XXXX, and XXXX are required to delete all information related to the fraudulent use of a the victim 's identity. 

Inquiries : 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 non-monetary relief
Consumer complaint received 2024-02-24 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: NJ

Complaint narrative:
I have already called and made ALL 3 Credit Bureaus aware of the identity fraud that has occurred and have included FTC reports to all three reporting agencies. By FCRA Laws Section 609 ( e ), XXXX, XXXX, and Experian are required to delete all information related to the fraudulent use of a the victim 's identity. 

Inquiries : 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 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 2024-02-24 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I am writing to dispute information on my ChexSystems report that I believe is inaccurate and requires further investigation. I have reviewed my ChexSystems report and identified discrepancies related to three accounts, two of which appear to be duplicates with different balances. 
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 XXXXXXXX XXXX XXXX XXXX  Upon careful review, it has come to my attention that Account Numbers 1 and 2 appear to be the same account with different reported balances. I believe this discrepancy is inaccurately reflecting my financial history and could potentially impact my ability to open new accounts or obtain credit. 
I am requesting a thorough investigation into these discrepancies and kindly ask for the following actions to be taken : 1. Verify the accuracy of the reported information on all Account Numbers.

2. Clarify whether Account Numbers 2 and 3 are indeed separate accounts or if they represent the same account with different reported balances.

3. If there is an error, correct the information on my ChexSystems report promptly. 
4. Provide me with written confirmation of the resolution and any adjustments made to my report. 
Enclosed with this letter are copies of relevant documents, including bank statements and account records, supporting my claim of discrepancies in the reported account information. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes within 30 days. I appreciate your prompt attention to this matter and your cooperation in resolving these discrepancies. 
Thank you for your assistance in this matter. I look forward to receiving a response within the stipulated time frame. 
Sincerely, 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