vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
In XXXX of XXXX I terminated an electric account with XXXX Missouri when I sold my property, XXXX attempted to collect payments months after claiming the power was still on, after a complaint, XXXX removed their collections attempts and was to correct the debt to {$0.00} as it was supposed to be. 5 years later in XXXX of XXXX AARGON COLLECTION AGENCY started reporting a collections account for a total of {$980.00} on behalf of XXXX Missouri to all 3 credit bureaus. XXXX of XXXX I discovered this error and disputed it with the credit bureaus who claimed to verify the debt. At no time did AARGON send an original notice of debt nor did they verify the debt despite my requesting it 3 separate times. This debt does not exist, this company waited until the statute of limitation had run out and then started reporting negative data to my credit, and they have violated the FCR by neglecting to send an original notice prior to reporting as well as attempting to circumnavigate limitation laws by falsely reporting an account opening date of XXXX and in doing so Federal law. This action is also a violation of slander and liable laws and is causing actual damages in their degradation of my credit score. The account I had with XXXX was closed in XXXX as paid in full and I have never had a contract with AARGON nor did I sign anything agreeing to pay AARGON for any service making the sale of any alleged debt illegal in the first place ( though this debt is not legitimate )

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 2021-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I got this account that does not belong to me and i want to be remove from my credit asap. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2021-07-13 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: CA

Complaint narrative:
There are two HARD INQUIRIES by XXXX  on my EXPERIAN credit report that were not authorized ; I did not apply for credit with XXXX. Furthermore, the inquiries are two months apart. These should be removed from my credit report, as they negatively affect my credit score.

The INQUIRIES from XXXX  hit on : XX/XX/XXXX and XX/XX/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 2021-07-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank issued a card in my name in relation to a fraudulent unemployment insurance claim in WI. Fraud claims have been filed with the CFPB and on the US Covid Fraud complaint site. Until XX/XX/XXXX, I was unaware of the fraud, after doing a change of address with the USPS in XXXX I got a notice about the overpayment. On Monday XX/XX/XXXX, after calling WI XXXX about the fraudulent UI claims and finding out the payments were deposited in my name at US Bank called US Bank to report the fraud to them. I found out that the funds were on a US Bank Reliacard at which point the representative attempted to transfer me and we were disconnected. After calling back and getting connected with Reliacard and explaining the fraud I was placed on hold so that the representative could cancel the card, again the call disconnected. I did not receive confirmation of closure of the card. Later that day I received USPS mail notification of mail from US Bank. This contained a request from US Bank ReliaCard requesting I verify my information using a picture of my non-expired government ID and a selfie. And asked to provide it to an electronic service that is only usable via smartphone or tablet. Additionally, this communication was sent to a different address than what US Bank would have had on file and no phone number was provided to contact the Cardholder service department. No mention of this was made in my call on XX/XX/XXXX with the US Bank representative and the letter was dated XX/XX/XXXX. 

It seems very risky to me that any service provider would not have verified information for a full year on an account with active card and deposits. It seems none of the involved parties verified my identity and as such my financial information is out there with all kinds of unknown communication having been sent to this fraudster.

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 2021-07-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/21 a made a single purchase at a Victoria Secret Store ( Location XXXX ) with my Victoria Secret Card that purchase was for a {$130.00} I also wanted a gift card for a {$100.00} which would have bring the total to $ XXXXThe cashier tried to enter the amount the gift card portion but the purchase did the card did not work. Inadvertenly my card was charged twice for {$230.00}. I called the bank ( Commenity Bank ) that issued the credit card they will not issue a credit until they have investigated claim which can take up 90days which I was told by the customer representative. It is plain on the statement that I was charged for the same items over and over again. As a XXXX citizen I am being taken advantage of by the bank and also the store. Your help is greatly appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
My credit has always been XXXXI have tried to deal with USAA Savings Bank about an account that is not mine. I have never dealt with USAA.I have been working on this since XXXX. I talked with the fraud department on XXXX XXXX around XXXX, They agreed it was not my account. But nothing has changed on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates continue to falsely report that I owe XXXX XXXX XXXX  {$960.00}. I have had and continue to have a banking relationship with XXXX XXXX XXXX  to this date. I have a savings, checking and credit with XXXX XXXX XXXX. I repeat, all my XXXX XXXX XXXX  accounts are current and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Farrell Holdings, LLC
State: AZ

Complaint narrative:
I purchased a vehicle from a car dealership whom used PAC Auto Financial to finance the vehicle. Despite encountered medical issues, and hospitalized I was unable to provide proof of insurance whom my insurance company made a mistake on then attempted to make amends for their mistake. At that point PAC would no longer work with the insurance company despite providing proof of being insured the whole time. I have reached out to them on several occasions to resolve the issues with them directly without any success. I now hired a company to pay them off, despite being over a year they have now threatened to call me several times a day to resolve the account with them personally, they have been rude, I have requested to be on the " Do not call list '', and I am actively paying them off with the company I signed up with. I have an account dedicated to paying to them, yet they will not stop calling me. It is relentless, I am in retirement and I can't get a break despite diligently working to resolve this issue. I am at a lost of ideas and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with SUNRISECRED plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1
30.00}

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 2021-07-13 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-13 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-07-13 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: TX

Complaint narrative:
I have been disputing to XXXX XXXX, Equifax and XXXX  for over 6 months my correct personal information. I have not received any updates to reflect the correct information as of yet. 

Please update all of my personal information on Equifax, XXXX, and XXXX. 

My only name is XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX, XXXX, Tx XXXX My only employer is Self Employed. 


There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TX

Complaint narrative:
I have been disputing to XXXX XXXX, XXXX  and Experian for over 6 months my correct personal information. I have not received any updates to reflect the correct information as of yet. 

Please update all of my personal information on XXXX, XXXX, and Experian. 

My only name is XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX, XXXX, Tx XXXX My only employer is Self Employed. 


There XXXX  be individuals that have the same information as mine. Creditors XXXX  have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO XXXX ( CREDIT REPORTING AGENCY ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXS XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: FL

Complaint narrative:
GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO EQUIFAX ( CREDIT REPORTING AGENCY ) : -XXXX -XXXX XXXX -DISCOVER FINANCIAL SERVICES  -XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX  WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX  THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates Inc is falsely reporting that I owe them and/or XXXX XXXX XXXX {$3600.00}. I have been and continue to be a customer of XXXX XXXX XXXXk for many years now. All my XXXX XXXXXXXX XXXX  accounts are current and in good standing. This {$3600.00} is bogus and XXXX should discontinue this malpractice. I challenge them to prove that I do not currently have 3 accounts with XXXX XXXXXXXX XXXX  that are in good standing to this date. I challenge them to present a recent statement confirming that this money is owed and that I do not currently have a banking relationship with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX Some one send through my account XXXX XXXX and right after the same day another XXXX $ to a guy i don't know named XXXX XXXX. As soon as i found out i called the fraud department of citi bank, they temporarily put back the money while doing their investigation. After few weeks without letting me know, they took back the money from my account, putting me in really difficult position, i was't able to cover my rent. 
I work in construction and don't make much, but always able to take care off my bills. 
Also, since last year, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have been charging me monthly during covid, while the gym was closed, i called the bank and told them not to allow any charges. After the gyms opened, the local gym that i was signed up was closed, meanwhile the XXXX was still charging me, over all most of my savings for this year were gone from my citi bank. I closed my account with the bank today as of XX/XX/XXXX. I am not sure if i will ever get my hard earned money. Any help will be really appreciated in this hard times. Thank you in advance if you can do anything to help.

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