vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
This message is in response to complaint # XXXX Aargon Agency , Inc. stated Proper validation letters were sent to the consumer prior to reporting the accounts. I would like a tracking number as proof that these letters were sent prior to reporting them to my consumer report.

Aargon Agency , Inc. also stated We do not own the accounts and collect on behalf of our clients whom we have business agreements with. Being said, please produce a trilateral contract that gives Aargon Agency , Inc. any lawful right to have my identifying information. If Aargon Agency , Inc. is unable to provide me with any type of contract this is considered debt parking which is a direct violation according to the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 


Aargon Agency , Inc. stated Based on the information, at this time I have concluded my initial investigation, and as a result did not find any State or Federal violations. Aargon Agency , Inc. in fact violated 18 USC 1028, 18 USC 1028A and 18 USC 894 Aargon Agency , Inc. is also in violation of my cease and desist notice by continuing abusive, deceptive, and unfair debt collection practices.

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX did not report my accounts as included in bankruptcy filing on XXXX XXXX so I had to file a dispute with Equifax that those accounts were included in Bankruptcy and NO BALANCE is due. ( Please review the attached document that XXXX XXXX received from the Bankruptcy court. ) After my dispute with Equifax, XXXX XXXX then sent FALSE non accurate information to Equifax that stated the accounts were charged off and balance due of {$13000.00} for credit card and {$6900.00} due for the other account. XXXX XXXX also changed the account numbers to XXXX for credit card and XXXX for another account and reported that my year of birth was XXXX. These accounts do not belong to me and my year of birth is XXXX. 
I filed a complaint with the CFPB ( see attached complaint ) for the inaccurate information in my Equifax credit file and explained that my year of birth is XXXX and that I have NEVER had XXXX XXXX accounts ending in XXXX nor XXXX. Equifax contacted XXXX XXXX and then sent me a letter stating that XXXX XXXX verified the information as accurate. ( See attached response from Equifax dispute ) Obliviously, this is a FCRA violation for XXXX XXXX to report to Equifax accounts ending in XXXX and XXXX that do not belong to me and to report my year of birth of XXXX when in fact my year of birth is XXXX. It is also a violation of the automatic stay in Bankruptcy to report a balance due on accounts that were included in Bankruptcy. 
These errors and lack of proper investigation of a dispute have caused several problems. XXXX XXXX did an inquiry on my Equifax credit file on XX/XX/XXXX and then restricted my account due to my birth year not being accurate as they think that someone else other than myself applied for credit due to my application having my year of birth of XXXX and my Equifax file has my year of birth of XXXX. This whole mess is due to XXXX XXXX reporting inaccurate information to Equifax. If XXXX XXXX does not correct the erroneous information that they supplied to Equifax then I will have my attorney file suit against XXXX XXXX and Equifax for violations of the FCRA and automatic stay in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a 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 non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
An inquiry was made to my consumer report by Equifax Mortgage Services on XX/XX/2020 as a result of identity theft. I did not apply for a mortgage with Equifax Mortgage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I recently have reviewed my credit reports and show inaccuracies being reported to my credit file by Experian. I have disputed with Experian, and they have yet to remove these inaccuracies which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to XXXX. 

Creditor Name : XXXX XXXX XXXX  Acct # : XXXX Experian is not removing XXXX XXXX  past due was a goodwill agreement to stop reporting and XXXX and XXXX have already removed it. Previously disputed and Experian must comply. 

Creditor Name : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX collection past due has removed from XXXX and XXXX but Experian has failed to drop it after multiple disputes. Must comply. I have a right to an accurate credit file. 

Creditor Name : XXXX  XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX past due goodwill agreement to be removed from reporting and XXXX and XXXX have removed however Experian has failed to do so. Must comply.

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 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have had a bluebird account for nearly 10 years. I recently started having some of my payroll deposit put into this account. As soon as I switched this with my employer and had {$12000.00} deposited to my bluebird account, they locked my account, and then suspended my account. I am unable to access my money. They need to fix this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX,, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Act. #, XXXX XXXX XXXX # XXXX, has violated my rights.

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

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX and XXXX accordance with fair credit reporting act XXXX  account XXXX, XXXX and XXXX, has violated my rights 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 an account without my written instructions

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX, Account Number XXXX has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX, Account Number XXXX has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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 report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consolidated Information Services Solutions, LLC
State: WA

Complaint narrative:
I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later.

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The three credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for XXXX and XXXX  to help devaluate the dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

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 ) also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: MA

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX XXXX, of Rubin & Rothman LLC posed as the attorney of XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).

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 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was stood up 4 times after making an appointment online with two bankers. This was after being abused by customer service. I talked to XXXX XXXX in the Executive offices to request a new personal banker, since the one I had for almost a year has never answered his phone and never called back! She said she would call me back but didn't and then later claimed illness. She did not give me service, on the contrary, she referred me back to someone who had abused and hung up on me, when I specifically told her I never wanted to speak to him again. I complained about this abuse and he closed my account against my will, endangering my life and threatening to hold all the money in my account! He intended to cut me off from getting food, paying bills or buying my prescriptions, which are keeping me alive, or even having any cash at all. I did not know there was a death sentence for criticizing the abuse I had received from them, but that's what it amounts to. I was directly depositing my social security check and will have to go through a lot of red tape to change back to a paper check because it is now illegal. I am too XXXX to change Banks or even go to cash my paper check. I just wanted customer service from a new personal banker and this is how they treat you! It's no excuse even if I did lose my cool a few times after being hung up on repeatedly because I was disputing a charge that would be recurring. I still haven't been able to accomplish this with anyone there in customer service or the Executive offices or even online making appointments that 2 Bankers didn't keep 4 times. I have also left messages with two more Executives in the Executive offices hoping to correct this extremely cruel off handed decision based on the fact that I am not allowed to objective to being stood up four times online and several times over the phone making appointments or being told someone would call me right back and they never did. They call this great service. They also say on their recordings how much they want to satisfy their customers, in other words they lie and lie and lie and we're just supposed to say nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax, XXXX, and XXXX XXXX. The 3 credit bureaus XXXX Equifax and XXXX have failed to comply to a dispute and investigation in a timely manner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to XXXX XXXX. 

Account Name : XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NY

Complaint narrative:
ALLIED COLLECTION SERV {$2100.00} Balance updated XXXX XXXX, 2022 ALLIED COLLECTION SERV {$2800.00} Balance updated XXXX XXXX, 2022 This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit. Allied Collection Services , Inc 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 explanation