vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: MN

Complaint narrative:
PROFESSIONAL DEBT MEDIATION closed my other request asking for my PERSONAL INFORMATION which is not allowable on these forms. I am on XXXX and you are not supposed to collect from me. Stop collecting from me for the discriminatory XXXX XXXX XXXX, for who I shouldn't have even OWED any money, nor was I given a notification of debt, even electronically. You also asked me on my last complaint for personal information, which against CFPB 's form rules and for my protection as a consumer, which is scummy, but you refuse to stop collecting from me, which goes against XXXX as my money is from the government and can not be collected from. Cease and desist, or I will report you to XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called to close my account. The representative said she would send me a no annual fee credit card. The language made me suspicious because she didnt ask- just said she would send it. I refused this new card. I wanted to close my account. She sent me the card anyway. Due to her tone and choice of words, I suspect this happens often. It is fraudulent

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 2023-12-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My card number was stolen/compromised ( not the physical card ). I tried calling BOA on XXXX to request a replacement card. The associate sent a code to my cell number, and, unfortunately, as I was going to retrieve it I accidentally hung up the call. I immediately called back. The same thing happened. I have a new phone and have limited abilities in my arms ( XXXX ). The third time I called they said to use the mobile app. I said I couldnt because XXXX XXXX and did not want to incur fees, but I had multiple verified numbers on my account that could be attempted. I asked to speak to a supervisor. The supervisor hung up the call on me. I bit the bullet and called through the app. I have the number to prove it, as the automated system dialed for me and dialed additional numbers to the regular BOA number as well. The lady immediately answers the phone saying I need to call through the app. I told her I did that, and she said I did not. I let her explain to me how to call through the app ( the same exact thing I had just done ), hang up and call again through the app. The person then says that I have not called through the app and need to visit a branch in person with XXXX forms of ID. This would be mildly OK, although still incredibly discriminating towards people with XXXX, except for the fact that I am currently abroad in the XXXX and will not be home for months. 

I gave it a break and called back in a few hours. The man I spoke with was kind and said to call back in 24 hours and they would be able to try to authenticate with another number on the account then. 

I did that, and the lady says I need to go in person. She then says she can not authenticate the other numbers ( for absolutely no reason ) and says to call through the app or try again in 24 hours. The absolute JOKE is that BOA has locked my online account, so I CAN NOT LOGIN TO CALL THROUGH THE APP. When I asked to speak to a supervisor, the agent hung up on me again. 

They are absolutely refusing me service, withholding account information, and potentially opening me up to further fraud because I have absolutely no idea what is going on with my account. 

They refuse to authenticate my account through my email address or other phone numbers THAT BELONG TO ME that are registered on my account, through my billing address, full name or social security number. They tried authenticating my account ONCE and then proceeded to completely lock and kick me out of MY OWN CREDIT CARD 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 2023-12-11 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law 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 2023-12-11 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law 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 explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX Account number XXXX has violated my rights. In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy.15USC1681s-2 ( A ) states that a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX Account number XXXX has violated my rights. In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy.15USC1681s-2 ( A ) states that a person shall not furnish any information relating to 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 2023-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I told them that I did not owe the alleged debt and to " cease & desist all contact regarding the matter. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they emailed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/XXXX an account from TRANSWORLD SYSTEMS INC. appeared on my credit report. The account is reporting Im in debt in the amount of {$910.00} to them.

I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY!

This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On or about XX/XX/2023, I discoverered unauthorized transaction in my Paypal account. it was showing ACH transferes in 4 amounts. 
On XX/XX/2023 ACH transfere from my XXXX  checking account for {$140.00} and {$130.00}. 
On XXXX XXXX two transactions for {$160.00} and {$180.00}. 
These all total {$630.00}. ( see upload ) I also discovererd 3 unknown and unauthorized emails in my account under the page called " USERS '', I personally removed them while I was on the phone with the paypay agent. I took a screenshot of this page before removing them. ( see upload ) The agent I spoke to said he could see what I was seeing in the Pappal Balace box was the amount {$270.00}, the agent had me transfere that amount back to my bank while he was on the phone. He told me the other amount had not yet cleared ACH transfere but should soon and instruted me to watch for it then transfer that back to my XXXX  checking account too. 
on XXXX XXXX there was {$350.00} in the Paypal Balance box. I did as I was instructed and transfered that money back to my XXXX  checking acct. 
The total of the 2 transferes I made is {$630.00}. the exact same amount that was removed from my account without my consent or knowledge. 
I have nevered shared my account information with anyone, not even my husband, he has his own account. I went to my bank and they provided a list of ACH Transactions to me that verifies all of this. ( see upload ) .I also closed that account with my bank so anyone with nefarious intentions would not be able to do anymore damage. Paypal now tells me that I owe them {$630.00}. they show a NEGATIVE- {$630.00} in my Paypal Balance box. ( see upload ) ... over the course of time there has been numerous calls and messaging to paypal iniciated by me in trying to resolve this issue, I did have 2 agents on the phone that stated it was an issue with their system and they would send it to someone else to look at it.

So now we are at the point of Paypal saying I either Pay them {$630.00} or the will turn me over to a collections company.

This is totally wrong!!! I have a very good credit score and this problem could greatly damage that.

We may never know who did the initial transfere but we do know what has happened.

someone accesed my bank thru paypal and removed my money.

I discovered it before great harm was done and the money gone.

I moved the same money back to my bank, So it was my money out of my bank account and my money into my bank account.

I was foutunate to discover the attempt of theft from my account and stopped it. now it feels as if I am being punished ... it has caused an enormous amount off stress, making me feel sick. 
What I am asking is for paypal to realize their error and make the NEGATIVE- {$630.00} into a {$0.00} I do not use paypal as a bank ... .so this is always a {$0.00} I here by swear to the above. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-11 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 noticed an account for XXXX on my credit reports. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX  directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please see attached 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 2023-12-11 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
HAVE MADE NUMEROUS ATTEMPTS TO CONTACT EXPERIAN - THERE IS ABSOLUTELY NO WAY TO SPEAK TO A LIVE AGENT, IMPOSSIBLE TO GET PAST AI. I NEED UP UNFREEZE MY CREDIT REPORT AND UPDATE MY EXPERIAN ACCOUNT INFORMATION

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 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
My loan processor was switched from XXXX to Aidvantage. As the commencement of the COVID forbearance was ending I wanted details about my loan. when trying to get details. no one could provide me the dates interest started incurring on my account. No dates were able to be given, no details of charges were able to be given, and my status as an active student was no in the system. Mid school year I have been incurring daily interest with no details or established repayment process. Super unorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am writing to dispute late payments listed on my credit report that is reported in XX/XX/2021. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments attached in document.

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately 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. XXXX XXXX ), 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 response to consumer: Closed with explanation