vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: FL

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 Metro2 compliance. Provide me with the Metro2 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 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 2024-01-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
As stipulated by 1666b, it is essential to promptly eliminate these late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I dont know what debt this is regarding but I get at least 6 phone calls a month from Genesis and I would like it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
on XX/XX/24, my roommate transferred funds to my VENMO account, which should take 2-3 days. The total amount is {$3700.00}. The next day, I received an email that an additional device was accessing my number. I replied it was not me. On XX/XX/24, I received a call from Venmo stating transaction were being made and if it was not me to press 1. It sounded legit, so I pressed 1 and a text message from Venmo stated to enter the code, which I did. Three ( 3 ) transaction totaling approx. {$110.00}, was taken from my funds. I tried to transfer the remaining amount of {$3600.00} to my bank and it was denied. I immediately contacted Venmo on the app. They froze my account because they stated it is now in dispute. I stated I requested a transfer of my funds way before the transactions/disputes. They stated my bank rejected it because the info was incorrect. I just transferred {$110.00} earlier in the week. I made no changes. The money is for my mortgage payment which is now late and is part of a 3 month payment plan. If I do not pay it, my loan goes into default. I have been asking them to release the remaining funds ( {$3600.00} ) because it has nothing to do with the {$110.00} dispute. Venmo continue to ignore my emails. I am so frustrated and very suspicious of the activity possibly initiated by Venmo staff as I know this is a large transaction. In addition, the initial emails to my personal email account was addressed to XXXX XXXX. How did they not notice the incorrect name and let someone access my account? I feel so helpless not being able to contact a live person at Venmo. I have placed a complaint on XXXX and saw similar complaints by other consumers. 

Please assist in this matter and to retrieve my funds as soon as possible. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/ I XXXX money to a friend using the Fifth Third Bank app. 
I XXXX {$500.00} and then another {$500.00}. Then on XXXX XXXX XXXX  I again used the Fifth Third Bank app to XXXX {$1000.00} to the same person. I again, on XX/XX/ used the Fifth third bank app to XXXX {$1000.00} and on XXXX XXXX XXXX  I used the Fifth third Bank app to XXXX another {$1000.00}. All these transfers were to the same person and were sent the same way. The last transfer of {$1000.00} was not received by the friend of mine. I provided the bank with proof from my friends bank that they had indeed received the other payments but not the last {$1000.00}. In talking to the Fifth Third Bank staff, twice it was told to me that all the payments had " received '' by them EXCEPT for that last transfer. It only was tagged as " sent ''. This was their app that I used. I pressed the same button on the app that was the name of my friend with her phone number as the id. The staff at Fifth Third verified the phone number was the same on all transactions. 

Fifth Third Bank is refusing to give me back the last transfer of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Took my government stimulus checks to Wells Fargo who, at the time of the first round, Id been banking with XXXX years. My accounts were not overdrawn at the time yet Wells Fargo decided to hold my checks instead of cashing them for a week each time. The approximate dates were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They stated that it was simply their policy to hold checks even those these were disseminated during a time of global crisis as a means to stimulate the economy. I really thought my life would end and they did not care. Everyone else who received these checks all around me at the time were getting theirs cashed without question. Me being a XXXX XXXX  XXXX man seemed to be the only reason they chose to do this.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: AL

Complaint narrative:
According to 15 usc 1681c-2 Experian is still reporting inaccurate information on my credit report that has been labeled as identity theft.

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes prev | next ( a ) Block Except as otherwise provided in this section, 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 by such agency of I demand removal of these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the FTC, My local sherrifs department And i will persue litigation if Experian continues utes to report innaccurate information on my credit 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 2024-01-19 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: MD

Complaint narrative:
I have been disputing these accounts for over a year that don't belong to me. 

XXXX XXXX {$230.00} opened XX/XX/scrub> XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I feel the loan is to expensive as of now I'm behind 3 months and I don't need them to take my car

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified two addresses that do not belong to me.

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 2024-01-19 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: AL

Complaint narrative:
I reviewed my credit report and identified two addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
Sold a home, and the Title company was supposed to pay off the remaining balance of the home. At this point I believed the deal was finalized. I received no notification of late payments from Mr. Cooper and believed it was closed. It was not until I attempted to gain a car loan that I was informed of late payments and a pending foreclosure. I reached out to Mr. Cooper who emailed me the loan records and the late payments. I then made contact with the Title company who at first stated that the loan had been paid. It was not until later that I discovered that the Title company failed to pay Mr. Cooper. I finally got the Title company to pay off loan, but Mr. Cooper stated it was not their fault and they would not remove the negative damage. This is after they became aware that it was the title company that was at fault. I have attempted to dispute it through XXXX who pretty much wasted a month to tell me what I already knew, the loan was paid off. My credit score went up XXXX points, but it did nothing to remove the negative report. My credit score is still not where it was. The title company is not taking responsibility. Mr. Cooper, who is aware that it is not my fault is refusing to do anything. I did nothing wrong, but I'm paying for everyone 's XXXX XXXX  The credit reporting companies won't do anything. And after a long discussion with them there is little they can do. Why they offer dispute resolution is beyond me. They can not and will not dispute a bad credit report. So don't waste your time with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
I am having issues with my property taxes and a couple of typographical errors in the closing documents. I am hoping you could help. I have been going back and forth with the loan servicer and they have changed multiple times. But in essence they are charging me for property taxes that are not part of XXXX XXXX XXXX XXXX. The only lots they are suppose to charge is parcel XXXX and XXXX but they are charging me for a few more lots including and they sent money to them last year and this year. They said they can not help me with last year 's payments because they just switched to the new servicer, but they can only help me with this years. The problem is that this has now increased my payments by {$2700.00} per month over the last two years. I don't know why they are paying additional taxes and not just this property 's tax. 

XXXX shows that the seller paid the taxes as follows : XXXX  XXXX for XXXX XXXX  {$4000.00} XXXX XXXX for XX/XX/XXXX XX/XX/XXXX {$750.00} So they should have been paid through XX/XX/XXXXXXXX  for both of these lots. 

The title work the closing attorney provided to the lender shows that the properties were insuring had the following tax identification numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX However, my mortgage company is charging me for property taxes of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have no idea why they did this. 

I have attached title commitment and recorded deed of trust showing that they were only supposed to charge and pay for the properties at XXXX XXXX XXXX. 

They did not get a lien on the other two lots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NV

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
They have been prejudice towards me judging me off of data collected from other credit, reporting agencies, 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805. Title 15 subsection title 1611 faults, misleading denial of my own credit violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Lease
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: Volvo Car Financial Services U.S., LLC
State: MD

Complaint narrative:
A {$4500.00} security deposit was paid in XX/XX/XXXX, at lease inception, and also paid an insurance premium for excess wear to the vehicle. 

Turned in a leased XXXX XXXX XXXX on XX/XX/XXXX to XXXX of XXXX XXXX, Maryland. 

Received notice of security deposit being returned in XXXX, showing a charge for excess wear. 

Telephoned Volvo Financial Services ( VFS ) ( XXXX ) to inquire. Was told that VFS was not properly advised by returning dealership of excess wear insurance purchase. Policy was found and VFS submitted claim against excess wear insurer. 

Received notice of full security deposit being returned in early XXXX. Telephoned VFS in XXXX to inquire on timing and told that a check would be mailed " next week ''. 

Received no check, so called VFS again in early XXXX, and was told again that the check would be mailed " next week '' Received no check, so called VFS again today, XX/XX/XXXX. Customer service associate took time to review ( about 15 minutes ) and said that the check would be mailed " next week '' I have little faith that the process is working as intended and that my {$4500.00} security deposit is stuck in their processing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
My soon to be ex husband applied for multiple credit cards in my name that I did not apply for. He also stole my wallet and racked up charges on my actual credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CO

Complaint narrative:
My soon to be ex husband applied for multiple credit cards in my name that I did not apply for. He also stole my wallet and racked up charges on my actual credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
My soon to be ex husband applied for multiple credit cards in my name that I did not apply for. He also stole my wallet and racked up charges on my actual credit cards.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: GA

Complaint narrative:
XXXX, TransUnion, and XXXX are not holding up to the law ( 30 day demand to comply ). I sent in disputes, and they are not getting back to me with the results of my investigation.

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