vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: IN

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-14 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: AL

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 XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: DE

Complaint narrative:
I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 
I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. Accounts that are to be removed are as follows ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation XXXX lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing. 
In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation. 
I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines XXXX to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-14 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: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony avoids human interaction and my issue could not be resolved via their computerized chat feature. Synchrony abruptly reduced my credit limit with no notice or explanation. My credit score recently went up XXXX points but went down when they took this adverse action. 

I have been sick over the last few weeks and we've had other illnesses in our household. I was late making a payment but not over 30 days late.

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 2023-09-14 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: OH

Complaint narrative:
XXXX XXXX  credit card revovling account is a XXXX XXXX balance but is reporting a inccorect balance of XXXX dollar balance.

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 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/2020 I flew to Texas to buy a truck advertised for XXXX tobstart my business. I put XXXX cash down and when it was time to sign I was told I could not get a copy due to system issues. I had never bought a new car so had no idea this wasn't good. 

It took over a month to get the contract and when I did the price was bumped up over XXXX. 

I have tried to resolve this with the company and i had a lawyer send a letter but they never responded. I have been trying to fix this since I found out this was fraudulent but didn't know who to contact. 

It's almost as if I never gave them XXXX. All of my life savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX venmo added two deposits and then obviously pulled them in the amounts of XXXX and XXXX. I was supposed to put them in to verify in the order I received them ... I did -- it says not able to verify account then just to make sure I switched the amounts from the amount last deposited to current and that did not obviously work either... contacted them where they pretended they already answered the complaint when they didn't -- so I told them I still needed help bc my bank XXXX XXXXXXXX says venmo is the one with the problem... we all see the deposits they're the ones saying they can't verify it. 


see below XX/XX/XXXX Icon VENMO Transfer + {$0.00} $ Transaction Type : Electronic transfer XX/XX/XXXX Icon VENMO Transfer + {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: WY

Complaint narrative:
This company ( XXXX XXXX  XXXX ) contacted me several times, and has been informed several times the debt has been paid. They have never once, until today given me a way to prove that the debt was paid. In the past, they have hung up on me once I have told them the debt is resolved, that I have the evidence of such, ect. They claim that they have been trying to contact me, which when I have answered their harassing calls from the same numbers, they never told me the company they are from. 

It is my belief that Kay Jewelers is attempting to collect this debt or this company is attempting to collect this debt fraudulently, and they are harassing me over it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: NY

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 2023-09-14 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: 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 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 2023-09-14 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: 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 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 2023-09-14 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: NY

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 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 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
There were two transactions made one on XX/XX/XXXX XXXX on XX/XX/XXXX with XXXX  XXXX took the money out of my account for both transactions because it was a delivery order they put a hold on an amount and then refund it and take out for the actual charge for the one it was supposed to be {$79.00} and for the other one it was supposed to be {$200.00}. Both funds were taken out that day, however cash app without my knowledge or permission, took out a second and third time for the transaction, stating that XXXX had put the money back into my account when they never did I have the documents that prove this every associate that Ive spoke to on the phone has told me I was in fact double charged for each purchase, but every time we try to put in to get my money back there XXXX or dispute service just tells me that theres nothing that they can do, and it will not provide me the information that they used to come to this conclusion or just hang up on me as of right now I missing almost {$600.00} out of my account and thats just with these two transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: CO

Complaint narrative:
On XX/XX/XXXX, an automatic payment went out to Midland Mortgage  from XXXX XXXX, this was an error since my mortgage was fully paid off, this led me to make a formal request for a refund of an overpayment on my mortgage account, in the amount of {$1200.00}. Since then, I have been experiencing a series of setbacks and have been given the runaround by your customer service representatives and some supervisors. Despite numerous attempts to resolve this matter amicably, I find myself at a dead end with no resolution in sight. 

Over the past month, I have called Midland customer service department multiple times, approximately a dozen, inquiring about the status of my refund. Each time I reached out, I received no substantial information or assistance. Instead, I was repeatedly directed to contact my bank, XXXX, for a resolution. This situation has been both frustrating and time-consuming, as I have spent a total of approximately 4 hours on the phone with my bank, who, in turn, informed me that they have no knowledge of any transaction involving a company named XXXX. 

My most recent interactions with Midland provided me with the information that a refund check was allegedly sent to XXXX on XX/XX/XXXX. However, I have no familiarity with XXXX, and their involvement in my refund is perplexing. I implored Midland customer service representatives to reach out to XXXX and investigate the situation on my behalf, as I believe it is your responsibility to ensure the resolution of this matter. Unfortunately, I was met with the same response, instructing me to contact my bank. 

This frustrating cycle of being bounced between Midland and XXXX has persisted for over a month now, and it is imperative that this issue be addressed promptly. I have been patient and understanding throughout this process, but I can no longer tolerate this lack of communication and unresolved matters. 

I want to emphasize that I have been a loyal customer of Midland Mortgage, and I have always upheld my financial responsibilities faithfully. I had expected a more efficient and respectful handling of this situation. 

I am sending this complaint not out of choice but out of necessity to ensure that my concerns are heard and that this issue is resolved promptly.

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 2023-09-14 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: NC

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 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In XXXX around the XXXX, American car center, American Financial, in Tennessee shut down. And fired all of it's workers, these employees were entering false information into their system to include payment dates this result led to customers accounts being charged late fees at extremely high interest rates, not only that but had customers running around tryig to pay their car loans and not leader 's to third parties to include convent  stores in neighbor 's a list was given out where you could go but when you got to these stores and used the account number given it did not exist or they couldn't find in example XXXX, XXXX and many others end result all accounts were charged. as being late and intentionally reported as such. Fast forward without any notice accounts had been sold without the knowledge of any account holders to Westlake portfolio management. They couldn't set up their web site when you went there it wouldn't work. They received my money but lied and said that they didn't have payments that was sent to California via post office then they switched to say that the paperwork was a lease. But it was a contact and at the end of the contract with XXXX payment 's I would own the vehicle. Not lease it but own it when they acquired mine there was only XXXX remaing on it then I would own the car I had paid and not missed a single payment for 4 plus years at every 10 days I would pay, now deception. They stated that they haven't received a payment from me in 52 days and repossessed my car, but the money orders were sent to them by the united states ' post office now they are asking for XXXX to get the car back after I have already put XXXX plus had to repair the car out of pocket because they would not repair it although the contract said that they would, at the time of the purchase I was told to go to the gas station because of low fuel the car broke down, then it had to be towed, then a major engine problem that cost me XXXX to fix because American car center American Financial would not instead they wanted me to take out an additional loan with them to fix their car that I was buying not leasing, buying and leasing at the same time if that makes since, reckless conduct and deceptive practices as of XXXX XXXX XXXX Westlake portfolio management had my car pulled from my driveway for none payment they switched it from being a loan to a lease and stated that it ran out in the XXXX of XX/XX/XXXX from XX/XX/XXXX, but they have been getting my payment and they told me that they got it on the XXXX of XXXX but I sent it on the XXXX  then they stated that it was posted on the XXXX, yet they got it on the XXXX according to the post office. Making it late mind you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief