vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$91.00}. Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: GA

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 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 has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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:
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 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 has violated my rights. Or a 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 explanation
Consumer complaint received 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I called Venmo customer service to get help transferring money out of my account into my bank. they told me they dont have access to their system so obviously I asked who I can talk to that can access the system and they said no one is capable of that. This customer service representative proceeded to get ruder and ruder as I asked to speak to someone who could actually help me as by this point she was just telling me that theres nothing anyone can do. All I asked was how to use a function that they offer in their app. Im confused as to why I would need to be speaking to someone who can not help anyone and then on top of that when I hung up in frustration, she deleted my drivers license and my bank statements I had previously submitted. What this means is they can disable my account at anytime after this information was deleted because there is no proof that the account belongs to me even though they need your ssn for you to open an account. I got this fixed my resubmitting the exact information she deleted it was restored for about an hour until I went to go take the money out of my Venmo account and transfer it to a bank mind you its {$30.00}. Most banks dont even bat an eye at {$30.00} but as soon as I submitted the transaction my Venmo account was suspended again. I dont understand why transactions are suspending my account when the app is only used for making money transfers. Theyre just mad because I said I was going to delete my account when I got the money out of it. So now theyre making it impossible for me to take my money and leave their service. Also Id like to point out that my account was unsuspended 20 minutes after I posted a bad review on their App Store reviews. Theres an entire XXXX page of people who hate this company and have been having problems with them for years. Its called r/venmo and thats how I found out to contact you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
The presence of public records on my credit report is unacceptable and is causing me significant distress. I implore you to remove them immediately to alleviate my 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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In XX/XX/XXXX, my account with Discover was locked while traveling abroad. After speaking with a representative, they confirmed that they needed to verify my income by having me sign a form. Once I'd returned back to the U.S., I had a customer service representative walk me through signing the initial form and she confirmed everything was completed. 

Today XX/XX/XXXX, I'd received an email notification that my account has been closed. After speaking with a representative, they confirmed that my initial form from XX/XX/XXXX was rejected, after I was guided by a Discover Representative in completing it. 

There was not a second form sent to my email, there was not a second form mailed to my address, There was not a notification sent through the mobile app which I used almost everyday and there were no phone calls made to notify me of the additional information needed. They was not able to provide a reason as to why the initial form was rejected. In addition, there was not alternatives ways requested for verifying my income. 

I was and still am able to provide the following reflecting my income : XXXX Tax Return & Transcript XXXX Tax Return & Transcript XXXX Tax Return & Transcript XXXX W-2 ( and later ) Employment Verification Letter Pay Stubs Bank Statements Employment Offer Letter ( XXXX ) Employment Promotion Letter ( XXXX ) Last but not least, resigning the income verification form. 

Closing my account now will impact my credit score significantly after I was attempting to rebuild it. 

I have NEVER missed a payment with Discover, so this is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: MOHELA
State: MA

Complaint narrative:
I am trying to assure that Mohela has requested I receive an overpayment refund from my student loans as I was told they would. I had pslf forgiveness in XX/XX/XXXX yet was supposed to receive a refund from the Department of Treasury for student loan overpayment from XXXX yet have not received it. My pslf count was at XXXX which is 49 payments over the forgiveness threshold. I have not received my refund nor has Mohela updated me on whether in fact, they submitted this information appropriately and expeditiously to the Department of Treasury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Late in XXXX  I filed a dispute with my credit card company, Chase, for the amount of {$780.00} the funds were posted back to my credit card account. A couple of weeks later the merchant and I came to an agreement. I notified Chase that I resolved the issue with the merchant, and they were to send the funds to the merchant, and when the merchant received the funds, they were going to settle with me through the normal course. The merchant never received the funds. I have attached an email chain with attachments. One attachment is from the merchants credit card processing company showing that they never accepted the funds, the other attachment is from the merchants bank stating that the merchants account was never credited the {$780.00}. 
Chase has been extremely difficult to deal with to resolve this issue. I have requested for over one year tracking information and they just recently provided it, which I then provided to the merchant, and they provided to their credit card processing company. 
At this point, Chase doesnt want to discuss resolving this issue with me. I am trying to collect my {$780.00} from Chase. I have been a long-term customer of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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.

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 XXXX 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 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: IL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Southern Management Systems, a debt collection agency, for their actions in the state of Michigan. According to my investigation using XXXX XXXX XXXX, it has come to my attention that this company lacks the necessary licensing and bonding to engage in debt collection in Michigan. Attached, please find screenshots of the XXXX results supporting this claim. 

Furthermore, there is no existing contract or agreement between Southern Management Systems and myself, and I have not authorized their company to conduct collection activities on my behalf. 

I request a thorough investigation into this matter and assistance in ensuring that Southern Management Systems complies with applicable laws and regulations. I am concerned about potential violations of consumer rights. 

As a remedy for each violation, I am demanding {$1000.00} under 15 USC 1681n. I believe this is an appropriate remedy given the nature of the violations and the potential harm caused. 

Additionally, I want to bring to your attention specific consumer laws that have been violated by Southern Management Systems : 1. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 

2. You have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

3. The collection agency is violating your consumer rights by using false, misleading, misrepresentation, and deceptive means. 

I appreciate your prompt attention to this matter. I trust that the CFPB will investigate these violations thoroughly and take appropriate action. 

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/2024 I found disrepancies on my report with XXXX XXXX, Equifax, XXXX Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/2024 I found disrepancies on my report with XXXX XXXX, XXXX, Experian Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Case number:XXXX Old addresses and information needs to be deleted Birth date incorrect Civil infraction tickets old and incorrect because no conviction should be removed Name is not correct many times Email addresses belonging to someone named XXXX Addresses belonging to XXXX ( not me ) So many addresses that belong to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to formally request validation of the debts associated with the following account numbers : XXXX. XXXX XXXX. XXXX XXXX. XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, Section 809 ( b ), I have the right to request that you provide me with written verification of these debts, including but not limited to the following information : The name and address of the original creditor. 
The amount of the debt. 
The date the debt was incurred. 
Verification that I am, indeed, responsible for this debt. 
I also request that you provide a copy of any judgment if applicable, and the name and address of the original creditor. 

Please note that the FDCPA requires you to provide the requested information within 30 days of receiving this letter. If you are unable to provide the requested information, it is expected that you cease collection efforts and inform any credit reporting agencies to which you have reported this debt. 

Additionally, please consider this a formal request to cease any and all communications with me, as provided for in 15 U.S.C. 1692c ( c ). 

I request that all future communication regarding these accounts be in writing only. 

Your prompt attention to this matter is appreciated. I look forward to receiving the requested information within the statutory timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
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 : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX FIN Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries 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 XXXX 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