vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Account Date of service XX/XX/XXXX reflecting on XXXX consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to XXXX to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact XXXX to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from XXXX stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I contacted the company numerous times in 2021 about this charge on my account. I was quoted a different price for a pay off. The manager then started cursing and yelling after I was upset about being told misinformation. They keep reporting my information but I also had insurance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NY

Complaint narrative:
From XXXX too XXXX During the pandemic I was XXXX  and went too XXXX  on two occasions during these XXXX  I was the victim of identity theft through a stolen phone that was used too obtain my personal information I filed a police report yet I still have 12 accounts that are fraudulent and opened without my consent and I would appreciate your cooperation in removing these items from my credit reports becuase they go against my consumer rights to have true and accurate information in 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 2023-04-21 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: OH

Complaint narrative:
My XXXX  XXXX account on my credit file is showing that its been late in XX/XX/XXXX more then 90 days and in XXXX XXXX XXXX 120 days. It is also being reported on my credit file that in XXXX XXXX XXXX I was late 30 Days and in XXXX XXXX XXXX I was late 60 days. This account is listed as being late I have never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I deposited XXXX in my account with TD bank on XXXX XXXX  at XXXX XXXX XXXX Which is a TD Bank Branch . On XXXX XXXX  my account went into a negative for XXXX stating that the owe TD Bank this even though I have 4 receipts from TD Bank ATM machines. They have continually declined my claims, Stating that the money I deposited was not counted for. This is my first experience TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  All the above mentioned accounts have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A 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 ) states - 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Tried getting my issue resolved with with no help! XXXX is reporting false and illegal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Tried getting my issue resolved with with no help! XXXX is reporting false and illegal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Tried getting my issue resolved with with no help! XXXX is reporting false and illegal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. attempted to collect a medical debt for a person with my same name and birth date ( this person does exist ). The alleged debt is for a XXXX XXXX  in California. I am a XXXX XXXX  in Georgia. I was over XXXX miles away on the date of service. He was shot. I have no gun wounds ( EVER ). I wrote letters ( certified ) and made phone calls. Reported Identity theft to local PD, IRS and SSA. I called and XXXX said it was resolved. 

In XX/XX/XXXX I received a letter from Phoenix Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX, Illinois, again attempting to collect this debt on behalf of XXXX XXXX XXXX XXXX XXXX. I called XXXX they said the debt had been canceled yet here I am again fighting them. I have sent multiple certified letters to Pheonix requesting they retain any and all communications/records regarding this matter as I intend to sue them for my time and expense. which at this point is approximately {$3100.00}. I have called them multiple times ( written notes ). I have 5 years of correspondence on file. 

They have failed to respond. I am retaining an attorney, and will proceed with filing complaints with my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive been filling disputes of these issues since XXXX. Nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: AZ

Complaint narrative:
In XX/XX/ XXXX after filing our income taxes with XXXX XXXX, our refund was deposited into a XXXX  account offered by XXXX XXXX  and serviced by Netspend. On XX/XX/XXXX  ; my XXXX account was closed by Netspend due to alleged fraudulent activity on another Netspend account that I never authorized or opened. A refund of {$1000.00} was supposed to have been sent to me by XX/XX/. Apparently it was never mailed out. I called on XX/XX/ and verified my address and information and was told I should receive it by XX/XX/XXXX. As of XXXX XXXX XXXX  ; I have not received my money or an explanation for the reason why my account was closed.

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 2023-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Credit debt was registered on my personal data without my knowledge. I never applied or used this credit money Thank you for you help, Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter in the mail from JP Morgan Chase Bank on XX/XX/XXXX stating they were closing my checking account that I have had since XXXX. The letter was dated XX/XX/XXXX and states that my account will be closed on XX/XX/XXXX ( 3 weeks approximately ). 

There is no reason why. I called the number listed on the letter XXXX and they do not know the reason either. I went to the branch and they also have no idea why. 

In the past 44 years with Chase I have never had any issues. I don't overdraw, I keep money in the bank. I am the most normal, follow the rules person you could ever meet. And I can not think of ANY reason why Chase is closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My account was closed with Bank of America without my knowledge. I was told it was a business decision to have it closed without giving me any reason as to why. I attempted open account with XXXX XXXX and XXXX XXXX and both denied me. I then was added to my wifes account with XXXX XXXX and was successful but then later the account was closed without our knowledge and I was given the same reason that Bank of America gave me when they closed my account. Im trying to understand why this is happening and how I can resolve this issue. I depend a lot on online banking for paying bills and receiving my direct deposit from my job. Please help me get answers for this matter.

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 2023-04-21 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: MI

Complaint narrative:
XXXX XXXX had a case against them regarding their violations, and they continue to fraud people and violate the federal and state laws. As well as Experian. 

Proof : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-charges-transunion-and-senior-executive-john-danaher-with-violating-law-enforcement-order/

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 2023-04-21 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: IL

Complaint narrative:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied to renew my driver license and DMV said they mailed to me at XX/XX/2023. But our communities mailboxes were broken in. I never received my renewed driver license. It was stolen. 

1. On XX/XX/2023, someone else wrote a fraud paper check, pretending to transfer money from one stranger 's XXXX XXXX account to my account. The Chase bank agent said the other guy used my driver license at one Chase local branch and then forged my signature, then cashed out the money. On XX/XX/2023, Chase bank system posted the " deposited item returned due to account frozen '', withdrawing money {$3700.00} from my account. I lost {$3700.00} due to the fraud activity. I got this lost recovered on XXXX XXXX, 2023 as Chase gave me reimbursement. 

XXXX. However, another same fraud activity happened on XX/XX/XXXX, the other guy used the same method writing a fraud check from another stranger 's XXXX XXXX account ( different from previous one ), forged my signature and used my stolen driver license to cash out the money. The Chase bank system withdrew my money on XXXX XXXX, 2023 saying " deposited item returned due to account closed ''. This time I lost {$3600.00}. I haven't got this part of loss recovered. 

2.1 As you can see, from XX/XX/XXXX to XXXX XXXX, 2023, the paper check record takes a long time to be posted. And the worst thing is that the local branch didn't perform solid verification and let the other guy cashed out the money from a fake check. 

2.2 It takes pretty long time for me to get a response from Chase bank investigation unit about my case of losing {$3600.00}, I have been waiting for more than 2 weeks. Each time they required me to send back more details/ documents then it is another week 's wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIRST CITIZENS BANCSHARES, INC.
State: IN

Complaint narrative:
On XXXX of XXXX I was contacted by CIT bank, First Citizens bank Direct Capital. in regards to the ability to be financed on a Truck lease or loan and then was told after getting approved that I was also approved to receive additional cash loan of XXXX. The total payment was XXXX which I began paying. 
Then in XXXX my payment shot up to XXXX and XX/XX/XXXX and charged twice then XXXX again in XXXX automatically with no call or explanation. I finally noticed the larger amounts in my account and contacted them to find out it was for Insurance which I already had on the vehicle since I purchased the truck which I proved to them and I was told I would get refunded for which I have not seen yet. I stopped the automatic withdraws until they refund the money and now they are threatening to repo my vehicle. The following is the transaction records from my bank for the payments. In XXXX they sent a notice of default stating I was late XXXX. They did not pay back the money that was added to the original contract payments. 

XX/XX/XXXX Direct Capital Nh  Checking - {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi XXXX - {$1500.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi  Checking - {$2000.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital XXXX Checking - {$1800.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi  Checking - {$1800.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi Checking - {$2000.00} XXXX  Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Retry Checking - {$1500.00} Business Vehicle lease | XXXX XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi  Checking - {$1500.00} Business Vehicle lease | XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi  Checking - {$1400.00} Business Vehicle lease | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
On XX/XX/XXXX I submitted a claim to Equifax to dispute some items. I called XX/XX/XXXX to request the remove disputed items and close the case as it was over 30 days. Today is XX/XX/XXXX, past 60 days and they still have the dispute open. They said it can be longer than 30days as they reached out, this is past law time period. They need to close the dispute and remove ALL items in dispute as its last 60 days and can not use any information gathered as its far past the due date. 
Dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX PLEASE DELETE IMEDIATELY!! 
I HAVE FILED A IDENTITY THEFT POLICE REPORT STATING THIS WAS IDENTITY FRAUD I HAVE NO KNOWLEDGE OF THIS ACCOUNT HAVE NOT LIVED AT THE ADDRESS ITS ASSOCIATED TO IT SHOW AS A CLOSED ACCOUNT THIS IS IN COLLECTION/CHARGE-OFF WHICH IS REPORTING NEGATIVELY ON MY CREDIT REPORT IT IS NOT REPORTING ON EITHER XXXX OR XXXX ONLY SHOWING NEGATIVELY ON TRANSUNION AND I WOULD LIKE FOR IT TO BE REMOVED IMEDIATELY PLEASE. IT WAS ONCE DELETED OFF MY CREDIT REPORT AND HAS NOW SHOWED UP AGAIN AS A CLOSED COLLECTION ACCOUNT AND IS CAUSING ME GRIEF.

15 U.S.C. 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and 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 non-monetary relief