vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
I would like to dispute the transaction made to XXXX on XX/XX/2023 for {$620.00}. Reference : Reference number XXXX The Vendor, XXXX XXXX, agreed to refund but the purchase still shows up on my statement.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I am reaching out to address a critical matter concerning Credence RM 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.

I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by Credence RM is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 
In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

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 XXXXExperian 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 explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notices I received. I have no knowledge or recollection of these alleged debts, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

AARGON AGNCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AARGON AGNCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AARGON AGNCY 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
Consumer complaint received 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
During the week of XX/XX/XXXX, I spoke with the billing department at Bridgecrest. They notified me that they could not provide me with a paper billing statement that mentions the daily interest and total amount. They instructed me to pay the amount online via their portal and that they would not honor the request because they are a paperless company. I provided them with consumer laws and they continually ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: GA

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

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is alleged negative debt that is being associated with a XXXX bankruptcy on my credit report. Please remove these accounts. I am no longer associated with these creditors.

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 2023-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
I signed up for a 30-day no-cost trial of XXXX XXXX XXXX XXXX XXXX service through a field sales representative who knocked on my door. The service started on XX/XX/2023 and I cancelled within the 30-day period ( on XX/XX/2023 ). The equipment was returned via the shipping box that XXXX sent out shortly thereafter. Since XXXX, I received every month a bill for {$58.00} that should never have been charged. I called XXXX XXXX XXXX, every time a representative assured me that a credit would be issued in the next billing cycle to XXXX out the account balance and it never happened. XXXX confirms that the notes on my account confirm my version of events, however they refuse to provide anything in writing that confirms this. They then sent the account to collections in XX/XX/2023 and reported to the credit bureaus incorrectly that there is a debt that is unpaid. I have since paid the {$58.00} dollars alleged balance on XX/XX/2023 in the hopes that it may reverse the credit bureau situation while I pursued a refund from XXXX. 
There is now a collections notation showing on my credit report which is incorrect and should be removed. XXXX is at fault in not crediting my account as they agreed to. If anything, I should be given a refund for the {$58.00} that I have paid to try and make this go away. 

XXXX is telling me they can not reverse the negative citation on my credit report and directed me to the credit bureau ( XXXX ). I disputed the situation with XXXX and they came back that they have contracted XXXX and confirmed that the information provided by XXXX is accurate and that if I still disagree then I should be talking to XXXX. Everytime I talk to XXXX, the customer service representative states that they see the notes confirming my version of events and then try to transfer me off to one department after another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/23 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Balance $ XXXX not mine XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX not mine, 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 explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've sold some crypto currency using https : XXXX  a peer to peer exchange site. The trade uses a smart contract which automatically sends my money to the trader once I confirm receipt of the funds. 

I made a trade with user XXXX XXXX  '', sent them my zelle email address which is XXXX and they sent me the money which I've received and released the cryptocurrency from the escrow. 

A month later I receive a letter from bank of America who took back the XXXX $ from my account due to some undisclosed dispute by XXXX XXXX XXXX. 

I've contacted bank of America and they say it isn't possible to further dispute, and that they would close my account even if I have trusted history proof of our trade and full conversation transcript and the currency being released on my side. Local cryptos also offered to give them the user 's information. 

Further more, I've contacted local cryptos and they offered to give legal authorities the information on the trade and fraudulent bank user at XXXX This is one of multiple instances, i believe i was targeted by the same user, but since the chargebacks were made months later i didn't realize it was fraud until i lost about XXXX XXXX $ Since then i have been unable to pay my credit cards and bank of america closed my accounts so i can't even access my checkings history properly. 

I've attached all my transcript with the different zelle users as well as my complaints to the 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 monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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. The following hard inquiries have been disputed several times and they are still on my XXXX equifax and XXXX credit report. I have no knowledge of these inquiries or any knowledge of the companies associated with these accounts. I been disputing these since XX/XX/XXXX and I want these 6 hars inquiries removed immediately because this is in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
XXXX XXXX I recently noticed you are attempting to collect the listed alleged debt. 
Please be advised that I hear by dispute the validity of this alleged dept listed below in its entirety. 
I further, I request verification of the alleged debt, specifically, a copy of the ORGINAL PURCHASE AGREEMENT. Said agreement must with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. 
Amount {$7700.00} I am requesting immediate deletion of all prior reporting made to any reporting agencies. 
You must Cease Collections efforts until the alleged debt is validated. You must show proof that you legally own this alleged debt and it accurate and complete. 
Sincerely,

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-18 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-18 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: TX

Complaint narrative:
I called Equifax at XXXX ( XXXX ) XXXX on XX/XX/23 At XXXX noon central time in regards to these fraudulent inquiries that must be removed immediately. And filed an FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
My vehicle was recently repossessed on XXXX My lender Santander has done a sub par job at allowing me to reconcile the account in hopes to refinance with a new lender. I was given a date in which my vehicle would be sold in auction which was XXXX I was told by Santander that I had the option to refinance with a new bank before the car was sold in auction but when I went to refinance my car with new lenders, we were told my account with Santander was closed and reported to the credit bureau. I reached out to Santander alerting them of this issue and how it contradicts what they previously told me. Santander charged off the account after telling me I had until the car was sold in auction. Because my loan was a secured loan that is negligence on their end. I was never given a chance to reconcile my account with them. After telling them this, they then issued me another date that the car would be sold in auction. Which is XXXX   This doesnt help my case at all because they are unwilling to remove the charge off that they prematurely put going against the rules of a secure loan. Ive been stalled, ignored, and passed along by Santander through this process. The issue lies with Santander prematurely charging off my account. Leaving me no chance at refinancing with a new lender. Ive exhausted all options with them and feel like they have taken advantage of the fact that this is my first time dealing with this issue and having a car. This is a time sensitive Matter and Santander has left me with no other choice!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: PA

Complaint narrative:
I was recently denied credit and other things from company 's because the misuse of my credit report and for them not disclosing my rights for certain actions and taking actions without my consent I sent my letter t o fix the problem on XX/XX/2023 they have committed fraud and for that I couldn't get the securities I needed for me and my family that caused a great affect in my life

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 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received a text message from IC System claiming they were trying to collect a debt from XXXX on an account for a condo in Florida. My account is fully paid up and I dont owe any money on it.

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