vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have notified XXXX continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from XXXX & creditors stating the information on my report is accurate when it is not. The fraudulent items are : Portfolio- {$450.00} Portfolio- {$690.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX with things that are fraudulent - XXXX Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit XXXX XXXXXXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to XXXX on XX/XX/XXXX, via postal service XXXX XXXX XXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the XXXX XXXX XXXX suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the XXXX Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-01-18 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have a {$100.00} gift card purchased from target that is american express. It says the card security code is invalid even though it is clearly printed on the front and matches the reciept. I have called numerous times and noone will get back to me and their automated system hangs up on me as soon as I am transferred to speak with someone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have inquiries on my credit report that I didn't authorize..

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 2024-01-18 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I have inquiries on my credit report that I didn't authorize..

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 2024-01-18 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: NY

Complaint narrative:
On XX/XX/XXXX, I wrote a company check # XXXX in the amount of {$3000.00} drawn on a commercial checking account to pay a vendor 's invoice and mailed it to the vendor 's accounts receivable address. The check was intercepted while in transit by an unknown/unrelated individual who endorsed ( with a signature ) and deposited into their personal checking account, clearing my bank on XX/XX/XXXX. After realizing the fraud, I contacted my bank who initiated an investigation. 

As of today, XX/XX/XXXX, no resolution or progress has been made to rectify the bank 's blatant error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 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: WI

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-01-18 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have written 3 times to XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX in response to their written efforts to collect a debt of {$96.00}. 

They address their letters to my late husband XXXX XXXX. The account number they use is XXXX. He passed on XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX 

I contacted XXXX XXXX and spoke with XXXX in their financing dept. 
who confirmed that my husband has no debt with them, in fact has a credit of {$95.00}. 

My first letter to XXXX XXXX was sent by priority mail, my second one by certified, my third one was notarized. Each one addressed the fact that they are mistaken about the debt. 

XXXX XXXX has sent statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then to a debt collection agency that temporarily suspended my case upon further inspection, XXXX XXXX has an answering machine but has never called me back after I left many messages at XXXX XXXX XXXX, It's as if this company no longer exists but by automatically set software to get peoples ' money. I suspect fraud and hope that CFPB can help me with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My XXXX loans were paid off/down from about {$43000.00} to {$1200.00} XX/XX/XXXX. I have a letter stating the new balance and that one of my loans was paid in full. I have contact XXXX multiple times, disputed with the credit reporting agencies, and called that this balance is showing inaccurate on my credit report. This is hindering me from moving forward with a few aspects of my life because of my debt to income ratio. Removing this {$43000.00} from my debt will help me tremendously. I have went through all avenues that I know how. I hope this can assist me. All I want if for my correct balance to be reflected on my credit report.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is an account that was not been late on XXXX, this was for 30, 60 and 90 days late .... they must to send me proof of this account was late .... because this accoun must to change the status from close/ late to Close /never late..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is an account that was not been late on XXXX, this was for 30, 60 and 90 days late .... they must to send me proof of this account was late .... because this accoun must to change the status from close/ late to Close /never late..

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 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
In XXXX of XXXX, I submitted my first student loan payment through Ed Financial Services using their online payment tool. I made a one-time payment of {$500.00} and it covered my XXXX and XXXX payments. On that day, I received payment confirmation of the {$500.00} via email. On the next business day, I received an additional payment confirmation email for {$500.00}. When I checked my bank account, EdFinancial Services did in fact take the {$500.00} payment twice. I contacted their customer service number and explained the situation. The customer service rep ensured me that they requested a refund of the {$500.00} from their financial dept. on XX/XX/XXXX. The rep also stated that they did not have a specific time frame for when that refund would process. I waited 4 weeks. I called EdFinancial back on XX/XX/XXXX and inquired about the status of the refund. After being on hold for 25 minutes, they determined that the original refund request did not " go through ''. I let them know that this overcharge to my bank account was their fault, not mine at that I was now behind in other monthly expenses. The customer service rep specified that they were entering an " emergency refund request '' and apologized for the delay on the original request. They still informed me that they could NOT give me a timeframe or any way to follow up with the department that handles refunds. On XX/XX/XXXX, still no refund. I call customer service and request to speak with a supervisor. They stated that one would call me back in 24-48 hours. They called me back when I was at work and could not answer the call. I repeated this process about 2 more times, each time the call back coming through at a random time the next day and not where I could answer. My XX/XX/XXXX statement was also showing that they had already refunded the overpayment in XXXX... .that never happened. It is now XX/XX/XXXX and I still have not received the refund of {$500.00} that THEY mistakenly took from my bank account. I am XXXX XXXX XXXX and have never experienced this type of financial business model where the financial institution mistakenly takes more money from the customer than what was agreed to, then tells the customer that they can " give no time frame for when that refund will be processed '' AND not give the customer any way to follow up, AND show on a financial statement that the refund has processed WHEN IT HAS NOT! It has been three months and I have still not received my refund that is due to me. This absolutely does not help any type of customer confidence moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am writing to file a formal complaint against Aargon Collections and XXXX Credit Bureau regarding their failure to remove an account from my credit report that does not belong to me. 

Name of Collection Agency : Argon Collections Account Number : Unknown Date of Collection Notice : XX/XX/2023 I have recently discovered that Aargon Collections and XXXX Credit Bureau have reported an account on my credit report, and upon careful review, I can confirm that this account is not mine. The inaccurate information has negatively impacted my credit score and financial standing. 

I have taken the following steps to rectify the situation : Dispute with Credit Bureaus : I have filed a dispute with the major credit reporting bureaus ( XXXX, XXXX, and XXXX ) to have the erroneous information removed. However, despite my efforts, the inaccurate account remains on my credit report. 

Contacted Aargon Collections : I have contacted Aargon Collections and XXXX Credit Bureau directly to request the removal of the erroneous account. Unfortunately, my attempts to resolve this matter with them have been unsuccessful. 

I seek your assistance in addressing this matter and ensuring Aargon Collections and XXXX Credit Bureau complies with the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to have the inaccurate account removed from my credit report. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express AMEX gift card number XXXX XXXX XXXX expires XX/XX/year> security XXXX Balance {$100.00} I purchased this card for {$100.00} plus {$3.00} purchase fee I have not been able to use it as it gets declined everywhere. It has been declined at XXXX, XXXX, XXXX, XXXX. 

I called American Express customer support multiple times and was told there is nothing wrong with my card and to try using it again at another store.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
I have requested multiple times to change my payment plan type from an income-based repayment plan to an extended graduated repayment plan. It is my understanding that since these are federal loans, we as borrowers as supposed to be able to change our repayment plan types without much difficulty.

I have called on 3 separate occasions because when I speak to a representative they take an application, tell me it will take a few weeks to process and then weeks later I receive email confirmation that my application for the wrong payment plan ( income based repayment ) has been approved. I keep getting " approved '' for the exact same payment plan Ive been trying to switch from since XXXX and when I call it's the exact same process over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
I am called at least 2 times a day ( sometimes 3 ) everyday Monday through Sunday, starting at XXXX and ending right before XXXX from Barclays Bank ( XXXX ). I am calling all of my creditors to set up payment plans. Some I have not gotten to. I am so frustrated by the end of the day, that I don't call this one. I work during the day and can't answer my cell phone! I have to silence my phone, because they call everyday like clockwork. I am getting at least 15 calls in a 7- day period, sometimes 21 calls. I am then getting blocked calls when I don't answer. These calls started around XX/XX/2023.

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