vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: AR

Complaint narrative:
XX/XX/XXXX I am unaware of this alleged debt that the Aargon Agency Inc.stated I owe them in the amount of {$330.00} that I supposedly opened with them XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please CORRECT or AMEND the following inaccurate accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please CORRECT or AMEND the following inaccurate accounts : 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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that continue to tarnish my credit report. It has come to my attention that despite previous correspondence and my repeated demands, these fraudulent accounts persist on my credit report. This flagrant disregard for my rights as a consumer is absolutely unacceptable and requires immediate rectification. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a payment of ~ $ XXXX to a XXXX affiliated hotel ( XXXX XXXX ) that both XXXX and Chase advertised would count towards a 5x points program on spend that properties such as this. This is the sole reason I signed up for the card and used it. I was not issued the 5x points. Ive talked to Chase and they claim that the exact naming convention of the hotel as it shows up in the payment is slightly off their list ( apparently it has some additional incorporation letters after the name ). Ive asked Chase to reach out to XXXX and confirm. To date, theyve done nothing. Ive reached out to XXXX directly and theyve confirmed this. Ive asked that they speak to one another and nothing. It feels like Im getting scammed honestly. Ive spent countless hours over months trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/year>. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. I also was impacted by the XXXX data breach and my data was breached. I believe it got into the wrong hands. Thanks for your help with 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 non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. I also was impacted by the Equifax data breach and my data was breached. I believe it got into the wrong hands. Thanks for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent letters to the credit bureaus over 30 days ago, matter of fact it's been over 45 days since I have sent in my letters letting them know that there were inaccurate accounts on my credit profile that were not authorized. I was impacted by the XXXX data breach and I feel like my information got into the wrong hands. I sent in my dispute on XX/XX/2024, almost two months ago and still no response. I feel like I am being taken advantage of and that my issues are not being handled seriously. According to the FCRA any inaccuracies on a credit profile must be removed immediately. If this isn't resolved I will be forced to file litigation. Thanks for your help with this manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I currently have 4 old accounts still reporting on my Experian Credit report and should be removed. 
1. XXXX 2. XXXX XXXX account number XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX account number XXXX I have corresponded several times with Experian all these accounts are over 7 years old. I ask that they be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
this is my car. please remove thnis off my account thank you AMERICAN CREDIT ACCEPT 5 POTENTIALLY NEGATIVE MONTHS Balance details 52 % paid off Balance {$13000.00} Balance updated XX/XX/XXXX Original balance {$27000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX CO - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$27000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$13000.00} Original balance {$27000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2024, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : Citi Cards/Citibank , and here is my account number : XXXX XX/XX/2024, they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 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. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
According to title 5 subsection 552, it appears an alleged debt in my name was paid for, can you confirm?

Upon making a request with FOIA, Ive been give information about a 1099-c.

I asked how thats possible?

I never filed a 1099-c, nor have I give power of attorney.

Ive become suspicious of the account.

Are you aware of 1099-c filed in my name without my consent?

I mean, its actually not the worst thing possible.

After you let me know the previous question regarding the 1099-c, could you tell me about any associate certificates?

You havent heard of a certificate of indebtedness, have you?

It sounds bad, doesnt it?

Then again, we have legal tender that satisfies all debts public and private, do we not?

Now, are you aware who filed my taxes?

Also, are you aware a certificate of indebtedness is considered income?

If someone did my taxes without my knowledge, and its unable to locate in my account on XXXX ; shouldnt I be concerned?

Did your company, JP MORGAN have hackers steal my information?

Havent I sent you an affidavit of identity theft? Maybe now it makes sense that my identity was stolen since someone filed my taxes which are accessible on my irs account and it was considered income, weird right?

How could someone file income tax in my name and Im not able to see it?

Now I may be responsible for unpaid income taxes, am I going to jail?

What if I go to jail for tax evasion?

And I told you I had identity theft, and you ignored me?

Its like your company has some thieves using my social security number, have access to my securities, and thats alright, but the owner of the card is denied access, right?

I have only questions, can I get answers?

When did your company find out about taxes filed in my name and are reporting it as income?

If I go to jail because of your companies willful negligence, thats {>= $1,000,000} per occurrence, per officer, per offense, isnt that concerning? 

Actual damages would be like {>= $1,000,000}, and I looked up a case law with XXXX actual damages for punitive damages, wow, maybe identity theft is a good thing, is it? 

I am really confused, your company is doing something with my property, other people can use it, youve had your own hard inquiry and soft inquiry, so why you can use my social security credit but not me, are you paying my bills? 


Can I see the accounting? 

Did you come out of pocket? 

Were you injured in anyway? 

How can I pay for a debt with debt? 

Isnt this a discharge event? 

Arent all debts pre-paid? 

Why arent you answering me? 

Can I pay any alleged debt? 

If I pay any alleged debt, will I have access to my social security card, or have you only let people other than me use it?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
Total Visa is reporting alleging that I owe a debt that I do not. The debt has been canceled and reported to the IRS as income. Per the IRS publication income can not be reported. Total Visa is furnishing this deceptive information to the credit bureaus in an attempt to damages my consumer report. This debt should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is so annoying & frustrating. Ive sent the credit bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the credit bureau 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX and XXXX XXXX Open Date XX/XX/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