vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
For some reason I am unable to use my Avant credit card. 
I called customer service and they said there is a problem with my account and they need to verify my identity. I was not notified that there were any problems with my account, I only learned about this after attempting to use my card and it was declined. 
Phone customer service said to send an email to the company via my personal email. There is no online messaging portal. I sent an email, was told to call, and this went back and forth for a while. I finally got an email from a representative who said that I need to EMAIL my documents with personal information in order to " unlock '', confirm, validate, etc. my account. There is no other way to submit this information other than email. I do not feel comfortable emailing the requested personal documents which include a valid ID, financial information, and utility bills. I am happy to provide these documents via a secure online portal but it does not appear that there is XXXX available. 
I remain unable to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: LA

Complaint narrative:
I called several Different times on XX/XX/23 - XX/XX/23 about my new checking account with US Bank being frozen. I opened this account because I have an account with XXXX and they do not use XXXX. I had a pay card with US Bank so decided to open a checking with them. I have no branches near me as I live in XXXX XXXX. The closest branch is over XXXX miles away in XXXX XXXX XXXX, XXXX. They said I had to go in person to a branch with my lD no exceptions. This is unacceptable. There must be another way to prove my identity. I have not received my bank card as of yet, but hoping that will arrive soon.

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 2023-10-06 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: PA

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 : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: CA

Complaint narrative:
Every one of my friends that I know, their loan starts repayment from XX/XX/. However, EdFinancial charged me {$580.00} for XX/XX/. I kept asking where this amount is coming from and it is not lawful to charge me that. Yet, I paid because I did not want that to affect my credit score. They said they will work on it with their team and get back to me and never did! 
All my loans I have are federal loans and are eligible for SAVE program! I kept telling them my income has significantly changed since last year because XX/XX/XXXX  I moved to California and am XXXX  now and I requested my payments to be re-calculated and lowest payment, the SAVE program. Yet, they still have not get back to me and I have a {$980.00} due in 3 days. Even on FSA website it shows my payment based on last year 's income should be {$910.00}. I don't understand where that discrepancy comes from in their website! They are very corrupt. I keep emailing and call them, they have never replied so far. Today I had to get a day off to contact them and still after 2 years being on the phone waiting, it automatically asked me to leave my name and they'll call me but have never yet! I don't know what I can do! They are very corrupt and lying and keep charging me unlawfully while I can not pay, I don't earn money this much now to pay! And yet I have a deadline in 3 days. I have complained to FSA but they haven't done anything they said keep calling them but if a loan servicer is lying and scammer, who can I reach out to? What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: CT

Complaint narrative:
On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX Experian Information Solutions, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-06 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Someone opened a XXXX account through TD bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IA

Complaint narrative:
I am assisting my dad with managing his Parent Plus Loan that he took out for me and my sibling 's XXXX degrees more than 10 years ago. 

My dad 's loan was transferred to EdFinancial Services over the summer. I was able to log into our account as of last week ( XX/XX/XXXX - XXXX, 2023 ) to check how much the repayment will be and when it will be due. We saw that the payment will be {$58.00} and due on XX/XX/XXXX. 

As of yesterday, XX/XX/XXXX, we can not access our account on EdFinancial Services. We entered in our information as usual, but it says our account can not be located and the information doesn't match what they have on file. 

Our account is now XXXX. 

I have tried calling their number to speak to someone but the wait time on XX/XX/XXXX was 159 minutes and the wait time today ( XX/XX/XXXX ) is 110 minutes. I have requested a call back from them but they have not called me back. 

I tried using their virtual chat agent service, but that service is also not available right now. 

I tried calling their number to just make a payment over the phone, which they advertise you are supposed to be able to do 24/7, but it doesn't give you the option to make a payment when you call. It just forces you to wait. 

Their negligence is causing student borrowers to miss payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I notified CashApp that I was scammed out of {$860.00}. CashApp is a financial platform, so makes them liable under the FDIC. They also bank with XXXX XXXX and XXXX XXXXXXXX XXXX. I am holding all Financial institutions under the FDIC liable for allowing the fraud and scam to take place. Also allowing the individual to hold an account currently. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: GA

Complaint narrative:
Received a letter stating that I owed a parking ticket from an XXXX XXXX XXXX. Gave an account number of XXXX ( nice LONG number! ) Said that it was owed on XX/XX/23 ; doesn't say where this is located ; no tag number or description of the automobile. I am assuming this was in Texas which is a state that I have NEVER been to. I am assuming this is a scam to get my information. This needs to be reported. This is the second time I have been sent a letter stating I owe a parking violation from a place I have NEVER been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
I was a victim of Identity theft for medical bills in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX I knew nothing about this until the collection agency sent a garnishment letter to my employer and I now have garnishment every week taken out on my checks. There was a judgement on me in XXXX and the collection agency process served the person that did this to me. We weren't living together nor married. Which she lied and told them that we were married so they let her sign for it. I have spoken several times with the collection agency about this medical identity theft that is going on. Which they told me basically it is up to them no matter what process I take to prove this is identity theft that they wouldn't take the garnishment off me. So I don't know what to do??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I called XXXX XXXX to understand why I had to pay debt to debt collector. 

I had ended the memebership IN PERSON in XXXX of 2022, and had moved out of state and even changed my card, but the membership kept charging me! 

I had now accrued over XXXX dollars in debt. there is NO place to cancel the membership ONLINE, over the phone with the gym or the billing ( third-party ) system that they use, and no I had received a few emaisl from the law firm Aldous and Associates that they are trying to collect debt with the amount listed and go after my credit. 

I had attempted to cancel nearly XXXX times called and no one could point me in a direction. not to support, not to billing that can cancel memebrship, not online or over the phone, and it was physically impossible to cancel in person. I called the law firm and they couldnt even give me a receipt and now I realize I want all the money back becuase I find that this is a scam! 

It has been nearly impossible to cancel my debt with this stupid gym and do not want it to affect my credit! I want to sue the gym for going after me wrongfully when I had been able to cancel a year ago, and to get all the funds that they had wrongly charged me for, and even gotten a law firm involved. 

XXXX XXXX XXXX Even the employee I had talked to over the phone said " to be honest, this whole place is going down the drain .... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NC

Complaint narrative:
On XXXX XXXX,XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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