vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a fraudulent collection account being reported by Aargon Agency , Inc . I have no knowledge of this debt and have no contractual relationship with your company. 


Fraudulent Account Information : Collection Agency : Aargon Agency , Inc . 
Account Number : XXXX Balance : {$8500.00} Date Opened : XX/XX/year> Account Status : Open Responsibility : Individual Remarks : Placed for collection Despite my efforts to resolve this matter directly with your company, the issue remains unresolved. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, you are required to block and delete any information resulting from identity theft once proper documentation is provided. 

I have been a victim of identity theft, and this collection account was fraudulently opened in my name. I did not authorize or initiate this account, and your continued reporting is damaging my credit. Your failure to properly investigate this matter is a direct violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have reviewed public records with the Florida Office of Financial Regulation ( OFR ) and could not verify that Aargon Agency , Inc. holds an active license to collect debt in the State of Florida. If your company is operating in Florida without proper licensure, this represents a serious violation of state law. 

Documentation Enclosed : 1. FTC Identity Theft Report Complaint # XXXX XXXX. Government-issued ID

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1.- Name : XXXX /ACCOUNT NUMBER : XXXX* 2.- Name : XXXX XXXX /ACCOUNT NUMBER : XXXX 3.- Name : XXXX /ACCOUNT NUMBERXXXX 4.- Name : XXXX /ACCOUNT NUMBER : XXXX 5.- Name : XXXX /ACCOUNT NUMBER:XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency Experian, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: SC

Complaint narrative:
On XX/XX/year> I contacted Discover card customer service to ask for a refund of a {$510.00} overpayment after I realized I paid the bill twice. They processed the ACH refund, saying it could taken as long as 10 days. I called them multiple times since then because as of XX/XX/year> I have still not received it. They had no explanation why it hasn't arrived. I decided to have them put a stop on it and issue a paper check. They said they were not able to expedite delivery of the check and that it could take another two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I am submitting a complaint against Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681 e ( b ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. & 1681 ( a ).

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 2025-04-01 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: Chime Financial Inc
State: KY

Complaint narrative:
Yes on XX/XX/XXXX my wallet and phone were stolen and and it had a social security number and my kids social security number and the wallet also with bank cards and credit cards they was able get funds from two different accounts and the total amount of XXXX XXXX of my Banks gave me the money back when they did their investigation and I also I had documentation to offer that I filled police reports one for the wallet and wallet and one for debit card and then the other bank chime gave me almost {$900.00} of the {$4800.00} but won't give me the rest cuz they're saying a billing error didn't occur but but they approved XXXX instead of billing error occurred but wouldn't approve the XXXX when it was off of the same card at the same place same time. Same occurrence I'm trying to assured me that they would do their investigation and I was asked to submit documentation that I submitted already that's what they asked for they also made a mistake by skipping over some of the disputes when I was talking to the representative the first time and we had to go back and dispute the ones that she looked over and they assured me that it would be approved and I would get my money back and then they approved XXXX of it but will not approve the other amount when I've done everything they asked me and provided them everything that I possibly could then they close my account for no reason and then ask me if I close my account and I said no then they said okay we can open it back up then said no we can't start it hanging up the phone on me putting me on hold for long periods of time can't give me a straight answer while they would approve some of it and say a billing error occurred but won't for the whole amount when it's the same transaction by the same person same merchant same occurrence same everything which does not make sense this person was taking storage units out in my name cuz he had my driver 's license I done made multiple reports to flag everything I work hard for my money and I have XXXX kids and just bought a house soon trying to build my credit and pay my bills and save money and this happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: DE

Complaint narrative:
XX/XX/XXXX, we settled on our home and our lender sold our loan to Village Capital a month after. They contacted us and let us know we are their new lender, and all terms and conditions remain the same. In XXXX XXXX we received our escrow statement from Village Capital and our Sewer bill that was mailed to us was paid by them. we contacted Village Capital, and they said it was sent to them by our insurance company, later by XXXX XXXX XXXX. we contacted XXXX and XXXX XXXX XXXX, and we were told that no Sewer bill was ever sent to Village Capital. We had difficult times dealing with village capital and so many inconsistent stories. With the help of XXXX XXXX XXXX, we asked to request Village Capital to allow us to make the payment in question and readjust our Mortage, they refused and said they will review it. we were advised to make sure payment next year to avoid this. We received our Sewer Bill in XX/XX/XXXX, and we made a payment of {$300.00} and XXXX XXXX on XX/XX/XXXX Village Capital paid XXXX hence creating a credit on our account with our sewer bill for XXXX is XXXX Balance. We contacted Village Capital, and they asked you to put in a request to remove our sewer from our escrow. I spoke to XXXX in the tax department, and she admitted the amount that was on the statement was wrong. They paid XXXX and she asked me to text our receipt to her cell phone, more detail is attached to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Constantly call in to make sure they dont pay a fake insurance like they have done before. They will not provide proof of pay or not paying the issue.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Transaction Details : Date : XX/XX/year> Amount : {$5000.00} USD Originating Bank : Vystar Bank, XXXX XXXX XXXX, XXXX, FL XXXX ( in-person transaction ) Intermediary Bank : XXXX, XXXX XXXX XXXX, NY ( XXXX : XXXX ) Receiving Bank : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : XXXX ) Vystar Confirmation Code : XXXX Problem : The {$5000.00} was never credited to the recipient 's account at XXXX XXXX  XXXX. 
XXXX XXXX  XXXX denies receiving the wire transfer as of XX/XX/year>. 
Communication and Attempts to Resolve : Multiple unsuccessful attempts to contact Vystar Bank ( phone and in-person ). 
Attempts to contact XXXX. 
Multiple contacts with XXXX XXXX XXXXXXXX, including two in-person visits by the recipient. 
As of XX/XX/year>, XXXX XXXX  XXXX continues to deny receipt of the funds. 
Vystar bank has stated that they wired the funds, and provided the confirmation code listed above. 
Vystar bank stated on XX/XX/year> that they will request to recall the funds. 
On XX/XX/year> a Vystar representative stated that the resolution could take 3-4 weeks. The same representative mentioned XXXX XXXX XXXX, which causes concern due to the fact that XXXX XXXX was not an intermediary bank in the transaction. 
Impact : The intended service, for which the funds were sent, could not be provided, causing significant and ongoing irreparable damage. 
I am requesting an immediate refund of the {$5000.00} dollars.

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 2025-04-01 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution XXXX XXXX XXXX XXXX  - Balance : $ - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXX XXXX XXXX XXXX - Balance : $ - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief