vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
When I noticed this account showing up on my credit report I sent a letter to Aargon Collection Agency attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages. 
I also tried to dispute this account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and I haven't seen a fair outcome.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The following credit inquiries were not made by me : COAF XX/XX/2022 Capital One XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 I believe it is fraud and want them removed immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or 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: CO

Complaint narrative:
I was denied access to My American Express Serve card account balance to buy groceries and pay bills. This occurred in XX/XX/2022. I called the customer service number XXXX XXXX and the recording said I needed to register a new card that I never received. My card was still valid. I could not get a human to answer the phone. The E-mail section of XXXX online did not respond. I repeated this process in XX/XX/2022 to no avail. 

This denial is ongoing and I have suffered financial harm from this electronic fund transfer denial and have been charged a monthly fee for XX/XX/2022 for services I can not access. This is fraudulent illegal activity by this bank. 

I thank you in advance for helping me to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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. 

( XXXX  XXXX : # XXXX ) 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 explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian for whatever reason keeps placing old addresses on my credit that are no longer valid and haven't been for almost a decade. Not sure why I have to keep disputing this but it's becoming annoying to the point I'm ready to sue. I have enough evidence to do so.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the same issue with all XXXX credit reporting agencies for the past XXXX XXXX dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting XXXX of the XXXX student loan accounts I have. I have asked them to verify the information they had with XXXX XXXX verifiable proof XXXX and all I received were automated responses that were generated from the XXXX system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report XXXX XXXX accurately. Here are reasons as to why they are inaccurate : XXXX. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' XXXX. ) Dates of delinquency are reporting inaccurately across all XXXX agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same. 
XXXX. ) Failure to notify me of delinquency within XXXX XXXX of delinquency which is a violation of XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the same issue with all 3 credit reporting agencies for the past 6 months dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting 14 of the 16 student loan accounts I have. I have asked them to verify the information they had with 100 % verifiable proof twice and all I received were automated responses that were generated from the E-OSCAR system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report 100 % accurately. Here are reasons as to why they are inaccurate : 1. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates 15 UNITED STATES CODE LAW 1681a ( 2 ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' 2. ) Dates of delinquency are reporting inaccurately across all 3 agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same. 
3. ) Failure to notify me of delinquency within 21 days of delinquency which is a violation of 15 UNITED STATES CODE LAW 1666B I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was a good banker with Bank of America ; I initially got the account during my earlier year of college. Due to my naiveness and trying to be a good friend, I was scammed into depositing a check into my account by a friend, only to find out that the check was fraud. My friend had just migrated from the XXXX so of course they did not have a bank account but they were working, so I believed them when they said the check was from work. I was genuinely surprised to find my bank account closed due to fraud. I have pleaded with Bank of America about this issue but got no help or pardon. I am a hard-working female who is making a honest living, I have no reason to scam a bank nor do I have any knowledge of how to do this, I honestly thought I was helping a friend out. Because of this error, I can no longer open an account with other legit banks. I really need your help as I was a victim of scam activity, with no clue at the time. Please help me if you can!!!

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked Equifax for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.

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 2022-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/2022 I attempted to transfer funds from omy Amex Savings to one of my external bank accounts. The bank apparently does not do phone verifications, my transfer was not only cancelled, but blocked for fraud and my accounts closed. Both info matched both incoming and outgoing accounts, names, addresses etc. No fraud in the slightest. 

I was told I was going to be sent XXXX checks on my closed accounts. They never arrived. I had to fax account indemnity forms over and over before it was finally acknowledged they were received. Because the checks never arrived, I was told that I need to file a stop check and indemnity form for each account. Over and over I was told the forms were emailed, mailed etc but there was never an attachment. After finally requesting a supervisor, he personally emailed the form o to me. 

I filed a form for each account and again ... Nothing in the mail, no phone calls etc. Here it is XXXX, and this has been going on for long enough. 

Last communication was telling me I did not check the box asking if the checks were going to be reissued. Yes I left it blank because why would you ask me?? Of course I want the checks re-issued. I've been trying to get them for 6 months. I resubmitted the forms with the boxes checked and stiff nothing... not a call, email, letter, etc. 

This needs to be fixed. It has been long enough

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
When I noticed this account showing up on my credit report I sent a letter to PORTFOLIO RECOVERY attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages. 
This company is harassing me by calling to my personal cellphone before XXXX XXXX  and after XXXX. 

I also have called XXXX XXXX to dispute the account that they have sold to Portfolio Recovery and XXXX XXXX has not taken appropriate and fair steps to resolve or investigate my request, so this complaint is also to take effect against XXXX XXXX " The Original Creditor for this unauthorized account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid the amount I owed on my Comenity XXXX XXXX  card in full on XX/XX/20. Now am receiving emails that I owe {$59.00}. It is still accruing late fees even though I paid in full. I have seen lots of similar complaints about Comenity online : XXXX XXXX XXXX/comenity-bank-reviews

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked Experian for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX : Account number # 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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX : Account number # 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 explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My student loan from XXXX XXXX in XXXX, GA is showing late payments when it's actually in forbearance. Besides, It has been discharged US Dept Of Education per evidence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with US code 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the Identified transactions are not information related to any transaction by me as a consumer. I have Submitted an identity theft report and put a fraud alert on my credit profile through Experian. XX/XX/2022. Please see attached

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