vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: KEYCORP
State: TX

Complaint narrative:
I would like to file a complaint against Laurel Road Online Banking. 

I found two unauthorized charges on my Laurel Road Checking account ( XX/XX/XXXX charge of {$28.00}, XX/XX/XXXX pending charge of {$26.00} ) on Friday night XX/XX/XXXX. Since there was no Laurel Road customer service on Friday night, Saturday or Sunday, I contacted Key Bank Fraud Department ( Laurel Road Online Banking is part of Key Bank ) on Saturday to report these two unauthorized charges. A Key Bank representative told me he could not do anything to stop it. Key Bank could not see any Laurel Road charges. The Key Bank representative advised me to block the debit card online, which I did. 

I called Laurel Road on Monday morning XX/XX/XXXX. Unfortunately, there was a new pending charge of {$27.00} on Monday XXXX, which Laurel Road could not block. 

Below are the three unauthorized charges date, description and amount XX/XX/XXXX XXXX  # XXXX {$28.00} XX/XX/XXXX XXXX XXXX # XXXX {$26.00} XX/XX/XXXX XXXX XXXX XXXX {$27.00} Total {$82.00} I still have my debit card. I have never activated my debit card nor set up a pin. I have still not used my debit card either and I have never been to those three convenience stores. I really don't know how the scammer made those purchases without my debit card. I believe they have my personal information, my debit card information and have made a fake debit card. Looking at these three locations, all being convenience stores which I have never been to, it is very clear that they are all fraud. 

It took Laurel Road three months to investigate the fraud. Today I received a letter. Their investigation result is that these are not unauthorized charges because a physical debit card was present during the charges even though the debit card was still in my possession. Laurel Road requests me to return the provisional credit of {$82.00} on XX/XX/XXXX. 

I am very disappointed at the way Laurel Road has handled the fraud investigation. The fraud happened on Friday. Since Laurel Road does not have customer service XXXX, I tried to report the fraud on Saturday with Key Bank ( Laurel Road is part of Key Bank ) without success. I had to wait until Monday to report the fraud with Laurel Road. Still, it counted as reporting within one business day. 

I am a victim of this fraud and should not be held responsible for these unauthorized charges of {$82.00}. I strongly request that Laurel Road should credit me back {$82.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to express my continued frustration and disappointment regarding the lack of progress in resolving the fraudulent items on my account, despite numerous attempts to address the issue. 

As I have previously communicated through multiple channels, including phone calls, emails, and in-person visits to your branch, there are unauthorized transactions appearing on my account statement that I strongly believe to be the result of fraudulent activity. Despite providing all necessary documentation and information to support my claim, the fraudulent items have not been removed from my account. 

This prolonged delay in addressing the issue is unacceptable and has caused undue stress and inconvenience on my part. Not only do these fraudulent transactions compromise the security of my account, but they also undermine my trust in your institution 's ability to protect my financial interests. 

I urge you to prioritize this matter and expedite the process of removing the fraudulent items from my account. Additionally, I request regular updates on the status of the investigation and the actions being taken to rectify the situation. 

Furthermore, I expect your institution to implement stronger measures to prevent similar incidents from occurring in the future and to provide better support and assistance to customers who are victims of fraud. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There is a debt on my Experian credit report stating that I owed XXXX XXXX insurance money for insurance coverage. I provided proof to Experian that I had insurance with XXXX XXXX insurance during the time that XXXX XXXX said that I owed for insurance. And since you can't hold 2 insurance policies on the same vehicle at the same time the charge was incorrect and unauthorized. Since then Experian added 3 prior months onto the report. One month says ND or no data and the prior two months shows in collection. But those two months were paid in full and the one with ND or no data was the month that I cancelled and started with XXXX XXXX. They have fraudulently added these after I proved that I had insurance at the time they said that I should have had it with XXXX XXXX. It is a debt bought by a collection agency in XXXX Massachusetts that I also provided them the proof that the charges were fraudulent. And they denied the fact also. This is a scam to get money out of me that I don't owe. Companies like this should be prosecuted for such crimes.

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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
This debt was disputed and removed from my credit report approximately 5 years ago. It has reappeared on my credit report with incorrect information. It states the date of last activity was XX/XX/year> and the date the account was opened was XX/XX/year> which is deceptive and violates my right to the statue of limitation because the debt is over XXXX XXXX XXXX. Aargon Collection Agency has also violated 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. The unrightful reporting of this debt has resulted in financial set backs.

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 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was trying to set up a XXXX XXXX account for my online store. While doing so, I saw an advertisement on XXXX around PayPal integration through the use of PayPal Payment Pro to accept payment through the selling platform on Turbify. Since I already had an existing XXXX old PayPal account that is used for transactions, I decided to integrate it directly. In fact, I called customer service ( Thursday ) who assured me that this would be fine and that integration would take 2-3 days. 

Today, to my shock, I got an email with the message that You cant use PayPal anymore. On the basis that my account is inconsistent with our ( PayPals ) User Agreement.Through this, they are no longer allowing me to purchase or receive money. In addition, they mentioned they are going to hold money in my balance for over 120 days. 

My account manager, XXXX XXXX, who supposed to help me set up the account has since never responded. Despite me calling and emailing multiple times for updates, he never given an answer. Ive even called in to customer service directly multiples times, but no one has been able to provide an answer on why my account was essentially closed and why my funds would be held. XXXX representative even told me that my account was perfect, and that the reason for the account closure was confidential. I have since also filed an appeal, but this is a directly account my business operations.I want an answer on why my account is being restricted and the specific reasoning. I have been using PayPal, this account specifically, for over 18 years and its completely wild that they closed my account for no reason. I have also checked the terms of service and user agreement as specified, and nothing Ive done goes against their terms. 

Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the unresolved issue with my open account, despite numerous attempts to dispute and rectify the situation. 

It has come to my attention that there is an inaccuracy in my open account, specifically pertaining to a late payment that has been erroneously recorded. Despite my repeated efforts to dispute this discrepancy and provide evidence of timely payments, the issue remains unresolved. 

This oversight on your part has had a detrimental impact on my financial standing and creditworthiness. As a responsible customer, I have upheld my end of the agreement by ensuring timely payments and fulfilling all obligations outlined in the terms and conditions of my account. However, the presence of this late payment on my account unfairly tarnishes my credit history and undermines my financial credibility. 

I demand immediate action to correct this error and ensure that my account accurately reflects my payment history. It is imperative that the late payment is removed from my account without further delay to mitigate any further damage to my credit score and financial reputation. 

Furthermore, I expect your institution to implement measures to prevent similar errors from occurring in the future and to provide better support and assistance to customers who encounter disputes with their accounts. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I purchased a prepaid American Express Visa gift card from XXXX on XX/XX/2024 and loaded {$100.00} onto it, including the activation fee for a full total of {$100.00}. The card and packaging claims it is able to be used anywhere American Express is accepted, both online and in store, and I have not been able to use at either for any purchase at all. XXXX online retailer charged XXXX pre-authorization holds for XXXX cents each but the purchase itself still declined. The balance is still {$99.00} and I can not use the card whatsoever or get a refund, despite having my receipt showing I loaded it myself with my own debit card just one day ago. Both in store and online every purchase declines due to American Express billing/zip code you are unable to change to your own, and the company will not provide a working billing address to be able to successfully use the gift card at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2024-03-05 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:
FCRA Violations Hippa Violations not mine XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX not my addresses 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 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 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 non-monetary relief
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violations Hippa Violations not mine 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
have a {$200.00} gift card from XXXX, and after I tried to use the card to purchase a money order the company immediately cancelled the transaction and blocked the card. I called the company and requested my funds to be mailed to me expeditiously via XXXX XXXX XXXX, and I was not able to get any confirmation on that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
When re-entering post-COVID federal student loan repayment, MOHELA miscalculated my monthly payment under the SAVE plan. While my correct payment is {$67.00}, my first bill was calculated at {$140.00}. Since XX/XX/2023, my account has shown a past due amount of {$74.00} after I was instructed by a representative via phone to pay only the {$67.00} that was correctly due. All of my bills after XX/XX/2023 have been for {$67.00}. Since XX/XX/2023 I have called MOHELA customer service 7 times and have spoken to at least XXXX representatives. I have sent multiple messages through my account portal. No one has been able to clear the incorrect balance due of {$74.00} from my account. I am repeatedly told that the only way to clear the balance is to recertify my income and submit another application for an Income-Driven Repayment Plan. I am not willing to do this as I did not make this mistake. I need this past due amount to be cleared as I am fearful it will yield negative repercussions on my credit in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I have never lived at the following addresses, and they appear on my Lexis Nexis 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 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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to remove unauthorized inquiries that may have been due to a data breach. They were informed of this error last year and failed to remove this information. I have already sent my Equifax data breach claim id and FTC report, but I will attach the FTC report again for your reference. Remove the following unauthorized inquiries from my credit within 7 days or I will have no choice but to pursue legal action : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CA

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 XXXX XXXX XXXXXXXX has violated my rights. 

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

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 2024-03-05 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I wrote a letter on XX/XX/2024 to COMENITYBANK/KAY concerning an unauthorized inquiry they put on my consumer and credit reports. I heard no response in writing nor was I contacted any other way far as my dispute is concerned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount Recovery Systems, L.P.
State: WA

Complaint narrative:
On XX/XX/2026, I noticed hat a Paramount Recovery Services placed a Collection on my account. I have had no relations or communication with this company prior.I contacted this company and shared that I have had my identity stolen in the past. I provided my address for them to send validation of the debt. It is XXXX XXXX and I have not received this documentation. 
The account ( XXXX... ) is not my account. I am requesting that you immediately remove this traveling from all reports.

Company response to consumer: Closed with explanation