vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please delete all complaints associated with this email and personal information below. You and the credit bureaus do nothing to help the normal citizens of this country. It is nothing but a waste of time, no one checks anything, follows up on anything because you dont care. Im sure if I was in this country illegally you would handle immediately and offer even more credit, insurance, phone, place to stay, etc. Im an American citizen and nothing has been done to help me. I will take a different approach and I promise you all will be exposed of how you do nothing but forward complaints back and forth and no one checks anything. Please erase me from your system. You guys are absolutely worthless!

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 2023-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
on XX/XX/2023, received letter from Aargon Agency for a past due debt for XXXX XXXX of {$32.00}. 
On XX/XX/2023, responded via written letter asking for XXXX XXXX Billing reflecting a balance due of {$32.00}. I noted that I never received any past due invoices from XXXX XXXX since my last payment dated XX/XX/2023 and included a copy of the cleared check. 
On XX/XX/2023 received response from Aargon Agency with a XXXX XXXX ledger. 
I asked for the XXXX XXXX billing and expected a copy of the actual billing invoice of XXXX XXXX. 
On XX/XX/2023, called XXXX XXXX directly and spoke with XXXX in customer care. She is to provide copy of the XXXX XXXX bill reflecting the past due amount. I also requested that debt collection stop as i never received any communication from XXXX XXXX in XXXX or XXXX or even after the last payment done on XX/XX/2023. 
Please note : The collection letter dated XX/XX/2023 is unsigned and at the bottom it notates " Original Creditor '' as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Hi XXXX. 
A XXXX search of XXXX XXXX XXXX XXXX describes a retail apparel store, why would this be on the collection letter? 
Is this a collection scam? Thus the added need to request a copy of the XXXX XXXX billing NOT a ledger that can easily be made up.

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 2023-12-05 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: AZ

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.

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 XXXX 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 2023-12-05 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: EQUIFAX, INC.
State: AZ

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a cons
umer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX  Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good afternoon, I've recently been aware of a remaining bill from XXXX after checking my credit score and saw I had a collection. Almost a year ago, XX/XX/2023 I called XXXX letting them know my circumstances and that I'll have to stop my service. The person I spoke to was able to waive the cancellation fee and told me my balance was clear, I would just have to return my equipment back. It took a little longer due to having to move but once I returned all my equipment, on XX/XX/2023 I called XXXX again where they verified what the workers at the XXXX had communicated to me, which was my account was cleared but to hold onto my receipt in case of issues. Now almost a year later I'm getting billed from XXXX of about {$120.00}. I've tried to reach XXXX countless times through their phone number where I never got ahold of a representative, I tried to use the call back feature but was unable to due to problems logging into my account and I even messaged them on XXXX because I heard we can reach a representative but again was no help. I finally located the headquarters number where I spoke to a representative letting them know I have no problem paying the bill I was just never notified, I wasn't called nor sent an email with these charges and due to moving never got a letter. The representative told me they will try to remove the collections, that they will send me an email but I never received an email and I called Saturday, XX/XX/2023. I received misinformation and was hit with a bill almost a year later with no notice. I would like this bill completed removed from my credit report and will happily pay it if a representative reaches out to me, which again they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: LEXISNEXIS
State: AZ

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I SET UP A XXXX  PAYMETS OF XXXX XXXX {$1200.00} ( XXXX XXXX  MORE ) XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} FOR BARCLYS BANK REF # XXXX BARCLYS IS NOT ACCEPTING THE SATTELMENT THEY COLLACTED THE XXXX PAYMENT NOW THEY SAY THAT XXXX PAYMET CAME BACK THEY TRY TO CALLING ME WITCH THEY NEVERD CALLED ME

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 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My purse was stolen  from my car outside of the XXXX  shop and I was left with nothing I had no ID or any type of identification I called the police and made a report of the incident and notified the credit card company I provided a copy of the police report as well but they refuse to help me and investigate the issue thoroughly. Ive been suffering for years due to these accounts being reported derogatory on my report I even continued to pay but the fraudulent charges were never removed which resulted to my account being closed by the credit card company. Under FRCA law 15 USC 1644 I should be protected and this account should have been removed from my report years ago. I provided everything I was asked to I didn't have the report the same day but I took a photo of the case card and provided that until the report was ready

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: FL

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-12-05 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: EQUIFAX, INC.
State: FL

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
I uninentionally bounced a {$200.00} check of which I paid including the fees. The check was valid just funds did not cover it. I do NOT have long standing record of bouncing checks. 

Bank of America added a fraud alert which is preventing my from my Civil persuit to happying, living according to the law and succeeding in my 4 newly established businesses that I can make or recieve payments. 

I have asked over and over for not even the removal but justification and they responded stating that they are not obligated to remove or respond to my request. 

I have sent multiple inquries and they have NOT responded to even one.

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 2023-12-05 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: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I have identified several errors ( names, social security numbers, addresses, phone numbers, and employers ) on my credit reports that indicate I was a victim of identiy theft.

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 2023-12-05 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: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXXXXXX XXXX XXXX  I have identified several errors ( names, social security numbers, addresses, phone numbers, and employers ) on my credit reports that indicate I was a victim of identiy theft.

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 2023-12-05 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: TX

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
Account Number : XXXX Exeter Finance LLC I accept NO responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession and charge off account. Since you're supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction, I no longer owe the original debt and the information you have on file is incorrect : 1. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. 

2. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately. 

3. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

4. Monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? 

I look forward to resolving this matter quickly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Checked my credit report on XX/XX/XXXX. I noticed XXXX inquires on my credit report that I did not authorize. I've called, XXXX XXXX at XXXX pulled XX/XX/XXXX, Credit XXXX bank at XXXX pulled XX/XX/XXXX, Transunion XXXX XXXX at XXXX, XXXX Bank XXXX at XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX pulled on XX/XX/XXXX, Search XXXX XXXX XXXX XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX  at XXXX pulled on XX/XX/XXXX with no resolve. I'm requesting to have these be deleted from my credit profile. All other inquires are mine. 

I've contacted XXXX XXXX XXXX  several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX to remove late payments on my credit report. I was no late on any payments. All payments paid on time. Now XXXX XXXX XXXX  only accepts payments via XXXX XXXX of which I paid my account on time.

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