vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: NJ

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of charge-off accounts by XXXX XXXX and XXXX to the credit bureaus. The reporting of these accounts was conducted using Metro 2 compliance standards, but the information provided is incorrect and has adversely affected my credit profile.

The charge-off accounts were reported with several inaccuracies that do not adhere to the Metro 2 standards : 1. **Incorrect Account Status** : The accounts were reported with the status of " Charge-Off, '' but this status is not accurately reflected. According to Metro 2 guidelines, the " Charge-Off '' status must correctly include the last payment date, charge-off date, and the amount charged off. The information reported does not match my records or the terms of the agreement. 

2. **Payment History Discrepancies** : The reported payment history includes inaccuracies in the payment status codes. The codes do not align with my actual payment history and fail to meet Metro 2 requirements, which dictate that payment history must accurately reflect payment performance.

3. **Inaccurate Balance Information** : The balances reported for these charge-off accounts are incorrect. Metro 2 standards require that reported balances accurately reflect the outstanding debt, including any adjustments or payments. The reported balances are inflated and do not match my records.

4. **Unclear Account Ownership** : There is a lack of clarity regarding the current ownership and responsibility for the charge-offs. Metro 2 guidelines mandate that information about the accounts ownership and status must be accurate. The data provided does not clearly indicate if the account has been transferred or sold, leading to confusion about the legitimacy of the debt.

These inaccuracies constitute a violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards, which require that all credit reporting be accurate, complete, and verifiable. The continued presence of these erroneous charge-off accounts on my credit report is unfair and misleading, negatively impacting my credit score and financial well-being.

Thank you for your attention to this matter.

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 2024-07-16 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
company called frequent and was told to stop and send any inquiries to address on file, called again 2 weeks later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
This company contacted me concerning a debt which I do not owe. I do not have any dealings with Charter Communications which is who this company is trying to make a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
There was a complaint submitted to the CFPB on XX/XX/2024 for account XXXX XXXX XXXX XXXX. The complaint id is XXXX. You were informed to remove the account and remit payment to the address on the invoice due to your incorrect reporting, but you updated the account balance to XXXX instead of removing this account, and you failed to remit payment. You were already sent an FTC report and failed to remove this account therefore I am now seeking monetary relief for your negligence and violation of the FCRA. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the FTC report and the True bill attached. Remit payment to address on the invoice within XXXX business days. If this account is not deleted and payment is not received, I will have no choice but continue with my intent to sue Equifax being that you were already notified numerous times, and this is now negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXXXXXX Account XXXX : [ XXXX ] High Balance : {$15000.00} Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Canceled by credit grantor, Unpaid balance reported as a loss by the credit grantor Dispute Status : Account not disputed Credit Limit : {$14000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : Transunion : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : No detailed information provided, indicating potential discrepancies. 





Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 

I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX 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 2024-07-16 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: Self Financial Inc.
State: OH

Complaint narrative:
I have been a victim of identity theft. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have been considering getting a new home equity loan, and have been exploring pricing with different lenders. I went to the Discover Website to find rates for Home Equity loans starting on this landing page : XXXX XXXX XXXX XXXXXXXX I went through the online application process to find pricing on loans, and ended up applying for a loan. I did not intend to do this - I'm not interested in a loan now, the best rate is not competitive with the XXXX XXXX I currently have a HELOC with, and I did not want to consent to a hard pull. 

Based on the user experience, it was not clear to me that I was submitting an application or that there would be a hard inquiry to all three bureaus. If I had known this, I would not have proceeded. I have worked in XXXX XXXX for XXXX  years, including designing applications for credit and pre-qualification experiences. I have significantly more sophistication than the average consumer, and I still found the process misleading. 

This is exacerbated by Discover offering a virtually identical experience online for unsecured Personal Loans that uses a pre-qualification experience that uses language like " Won't impact you credit score '' : XXXX XXXX XXXX I believe this is a clear UDAAP violation - I did not want to do, based on a deceptive experience, and suffered ( small but real ) harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I previously had a mortgage in good standing for years. Then I applied for a loan payment forbearance then a loan modification which was eventually approved. I was advised by the mortgage lender during this four months process that everything was okay with my credit it I was lied to. Despite being in constant communication with my mortgage lender during this period and being approved for a loan modification, they were reporting four months of late payments which has never been corrected. During the last few weeks of this four months process I received an inheritance and paid my loan off in full yet flagstar bank has never corrected my credit report. These incorrect late payments on my credit report has affected my XXXX credit score tremendously negatively. I even reached out to them in writing again about this past week and was denied. 

Please correct my credit report by removing all late payments from flagstar bank as soon as possible please.

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 2024-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
The name of the company is Cashapp. I told the rep that I was scammed and I have all the evidence to show them and wouldn't take my word.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: MI

Complaint narrative:
I have tried reaching out to all three major credit barrels. My identity was stolen. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX its about 10 accounts and I dont know over 60 or 70 inquiries, I have listed them, I also enroll my FCC report. I also filed with the identity XXXX  I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX breach and also the XXXX data breach. My information is on the XXXX XXXX and its continuously being used and my credit is being ran several inquiries 8 to 10 accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading 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 2024-07-16 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: NY

Complaint narrative:
I just looked over my Credit Report and noticed XXXX accounts that do not belong to me. Those accounts are XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I also noticed 3 hard inquires on my Credit Report that I never gave permission to pull my Credit Report. All accounts are included in my Identity Theft Report which is attached to this complaint.

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 2024-07-16 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: NY

Complaint narrative:
I just looked over my Credit Report and noticed 2 accounts that do not belong to me. Those accounts are XXXX XXXX XXXX XXXXXXXX XXXX. I also noticed 3 hard inquires on my Credit Report that I never gave permission to pull my Credit Report. All accounts are included in my Identity Theft Report which is attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: CA

Complaint narrative:
In XXXX, my loan car was involved in an accident, and the insurance company admitted that the car was a total loss .Due to poor communication between the bank and the insurance company, I received a late payment notice despite being assured that everything was fine and that I did not need to worry. I later discovered that the bank had returned the check to the insurance company for the loss. Despite this occurrence, I was not promptly notified of the issue until the payment deadline had passed. Moreover, during this time I was in the XXXX doing XXXX XXXX  and wasn't able to stay in touch every day. I pay all my bills on time and have never had any issues with any bank. 

Negative account XXXXXXXX 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 2024-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, my loan car was involved in an accident, and the insurance company admitted that the car was a total loss .Due to poor communication between the bank and the insurance company, I received a late payment notice despite being assured that everything was fine and that I did not need to worry. I later discovered that the bank had returned the check to the insurance company for the loss. Despite this occurrence, I was not promptly notified of the issue until the payment deadline had passed. Moreover, during this time I was in the XXXX doing XXXX XXXX and wasn't able to stay in touch every day. I pay all my bills on time and have never had any issues with any bank. 

Negative account XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, my loan car was involved in an accident, and the insurance company admitted that the car was a total loss .Due to poor communication between the bank and the insurance company, I received a late payment notice despite being assured that everything was fine and that I did not need to worry. I later discovered that the bank had returned the check to the insurance company for the loss. Despite this occurrence, I was not promptly notified of the issue until the payment deadline had passed. Moreover, during this time I was in the XXXX doing XXXX XXXX and wasn't able to stay in touch every day. I pay all my bills on time and have never had any issues with any bank. 

Negative account XXXXXXXX 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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I am personally submitting this complaint regarding late payment entries on my credit record. Upon examination of my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no reply, nor has adequate validation been provided. I request your assistance in addressing and resolving this matter swiftly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: ND

Complaint narrative:
This company called XXXX XXXX XXXX is trying to collect money from me and has put a negative item on my credit report. They say that the original debt is from a hospital in XXXX  from XXXX  but I have never been to a hospital or any medical facility in XXXX  and I was living in XXXX XXXX XXXX XXXX not XXXX. 
I have disputed this with the bureaus and the company itself to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I sent money to Venmo Collections in error and I did not actually owe a debt to to Venmo. PayPal said the payment was successful to Venmo and Venmo is unable to find the payment. Neither company is able to locate the funds and return them back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
XXXXXXXX XXXX is one of the schools named in the XXXXXXXX XXXX XXXXXXXX suit. I attended XXXX and used Navient ( formerly XXXX XXXX ) private loans while attending XXXX. I recently applied for discharge of these loans based on school misconduct and Navient denied my application with no specific details on why I do not meet the requirements of discharge based on misconduct of XXXXXXXX XXXX 

I also believe that one of my private loans was misdated to outside my attendance at XXXX, resulting in this particular loan as ineligible for the school misconduct discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc.
State: IN

Complaint narrative:
This complaint is about two companies. The first one is XXXX XXXX XXXX and the second one is American accounts in advisors located at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They are claiming that I owe them {$5100.00} I rented a vehicle from XXXX XXXX XXXX and was XXXX  by a semi truck. Semi truck driver was found at fault and his insurance company paid the damages. XXXX car rental claims that I owe an additional {$5100.00} due to depreciation value. First of all, no state allows for this to be claimed and second of all, I am not the financially responsible Party as I was not responsible for the accident. XXXX claim agreement says responsible insurance companies do not pay, but that is clearly not a legal thing to do. They could easily build the truck for {$5100.00} if they would like to, but instead, they are going after me. I asked them to take me to court because I know they will lose because this is not legal. They are refusing to take me to court because they know they will lose. The amount is more than a sufficient amount to warrant the court costs. They are trying to intimidate me into paying a debt not owed by damaging my credit with false claims.

Company response to consumer: Closed with explanation