vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Verification of Disputed Charge-Off Account To Whom It May Concern : I am writing to formally file a complaint against [ TRANSUNION ] for their blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I disputed a charge-off account reported on my credit file : [ XXXX  XXXX ) on [ XX/XX/scrub>/2024 ], providing detailed information challenging the accuracy and legitimacy of this reporting. However, the credit reporting agency, without providing any meaningful investigation or legitimate evidence, has repeatedly " verified '' the disputed account as accurate. This " verification '' was neither reasonable nor in compliance with the statutory obligations imposed by 15 U.S.C. 1681i. Specifically, the credit reporting agency has failed to fulfill its duty to : * Conduct a reasonable reinvestigation of my dispute. * Provide a description of the procedure used to determine the accuracy and completeness of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I have made multiple requests for the method of verification, yet I have not received any meaningful or substantive response. Their failure to provide this crucial information demonstrates either a lack of compliance with federal law or the inability to confirm the accuracy of the reported information. This unlawful behavior has caused me significant financial harm, emotional distress, and unnecessary damage to my creditworthiness. I am demanding that the CFPB take swift and aggressive action to address the following issues : 1. Compel [ TRANSUNION ] to provide a full description of the method of verification used to " verify '' this account, as required by law. XXXX. Ensure that [ TRANSUNION ] conducts a thorough and reasonable reinvestigation of my dispute. XXXX. Hold [ TRANSUNION ] accountable for their violations of the FCRA by imposing appropriate penalties. XXXX. Require the removal of the inaccurate charge-off account if verification can not be substantiated. The FCRA exists to protect consumers from negligent and reckless reporting practices, and [ TRANSUNION actions are in direct contradiction to this purpose. I trust that the CFPB will take this matter seriously and hold them accountable for their violations. Please confirm receipt of this complaint and inform me of the next steps in your investigation. I am prepared to provide additional documentation and records to support my claims. Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Dear Nordstrom/TD Bank USA , I was recently reviewing my credit report and was surprised to discover a late payment reported for XXXX and XX/XX/year>. 

I am uncertain how this occurred, as I believe I made my payments upon receiving my statements. My only assumption is that my monthly statement may not have reached me. 

Given our longstanding positive relationship, I kindly request the removal of this XXXX late payment from my credit report and a refund of any late fees that may have been assessed. Additionally, under the provisions of the Fair Credit Billing Act ( FCBA ) 15 USC 1666b, I believe I was incorrectly billed. As I do not find this to be an accurate reflection of my payment history, I would prefer to resolve this matter promptly without unnecessary complications for either of us. I appreciate your prompt attention to this matter and look forward to continuing my positive experience with your institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I applied for IDR SAVE plan to reduce my monthly loan from ~ {$1000.00} to ~ {$500.00}. Aidvantage accepted my application and placed my loans on forbearance during which my loans accrued interest. The application for IDR is still being processed and my loan is still accruing interest. I read on Federal Student Aid that, if the application for IDR takes longer than 60 days, then my loan can be placed into a general forbearance in which my loan does not accumulate interest. Ive spoken with aidvantage multiple times and they continue to tell me my application for IDR is still not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I am writing to file a formal complaint against Chase regarding the inaccurate reporting of a late payment on my credit report, which has caused significant damage to my credit score and created extreme financial hardship. 

I have maintained an exemplary credit history with no previous late payments. However, due to a serious medical emergency, I was hospitalized for a XXXX XXXX and was unable to make my payment on time. The payment was only one day late, but it was reported as 30 days late, which is inaccurate and unjust. 

As soon as I was healthy enough to manage my finances, I made the payment immediately and contacted a Chase representative. I was assured that the late payment would not be reported to the credit bureaus. Despite this assurance, the late payment was reported, resulting in a dramatic drop in my credit scorefrom the XXXX to the low XXXX. 

I have made multiple attempts to resolve this issue, including escalating it to higher levels of customer service, but Chase has refused to remove the late payment from my credit report. I have disputed the issue four times, but the late payment remains, continuing to negatively impact my credit. 

This error has caused me significant emotional and financial distress, as my otherwise perfect credit history has been marred by this one-day delay. Given the extenuating medical circumstances and my history of responsible credit management, I am requesting the removal of this late payment from my credit report. 

I believe the actions taken by Chase are predatory, as they have caused undue harm to my financial stability despite my history of on-time payments. I respectfully request the assistance of the Consumer Financial Protection Bureau ( CFPB ) to help resolve this issue and ensure the removal of the late payment from my credit report. 

Additionally, I have been advised to reduce my credit card balances to improve my credit score, and I intend to follow that advice by paying down my cards with high limits and XXXX balances. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX2024XX/XX/year>

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 2025-02-19 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX2024XX/XX/year>

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 2025-02-19 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
XXXX account was charged off on XXXX still show balance on my cc report. The cardholder choose to charge off thethe debt, but the sent it to collection breaking the fair debt collection act. When the choose to charge the debt off, I should have received a IRS form XXXX. In which they did not do. They sold it to a collection agency. I not liable for this debt.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizen Bank incorrectly reported a late payment for XX/XX/year>, despite my account being in good standing. A different department within the bank submitted this inaccurate information, and I am requesting that it be removed from my credit report. 

XXXX bank incorrectly reporting inaccurate information. I am requesting that it be removed XXXX is incorrectly reporting inaccurate information. I am requesting that it be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I JUST RECIEVED A LETTR FROM EQUIFAX STATING THEY VERIFIED THE XXXX ACCOUNT . I DONT KNOW HOW EQUIFAX DID BECAUSE ITS DEEMED AS FRAUD WITH XXXX AND THEY EVEN SENT ME A LETTER .
I STILL CANT DISPUTE ANYTHING ONLINE WITH EQUIFAX . I HAVE A UPDATED POLICE REPORT AND FTC REPORT AND LETTERS FROM XXXX XXXX XXXX AND XXXX SHOWING THESE ACCOUNTS ARE FRAUD . THIS REMOVE XXXX AND XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX PLEASE . ITS HARD TO DISPUTE WHEN I MAIL DOCS TO THE PO BOX AND NOTHING GETS UNLOADED AND I HAVE MAILED SUPPORTING DOC OVER XXXX XXXXIMES AND STILL NOTHING GETS UPDATED . PLEASE REMOVE AND BLOCK THESE ACCOUNTS I HAVE ON MY POLICE REPORT PLEASE .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PlusFour, Inc
State: NV

Complaint narrative:
This debt is something that should have been paid as part of my settlement, but for whatever reason wasn't. When I disputed the debt through XXXX XXXX XXXX the only response I got was that " the debt was valid '' & they continued to report it. However, in XXXX, following the establishment of the CFPB rule on medical debt - they did NOT report it & I assumed this would be done with & even considered reaching out to settle the debt, despite it never being my responsibility to begin with. However, I am reaching out now bc they clearly are under the impression that the current administration will not enforce the CFPB rule, as the began reporting it to all 3 bureaus again this month, but it now shows a new, 2nd delinquent account. This 1 account, that now shows as a second delinquent account for whatever reason, is the only delinquent account that I've ever had since becoming an adult & it is extremely frustrating dealing with this all over a debt that was never really mine to begin with. As I stated before though, I would even be fine paying them to satisfy the debt, but I want this removed from my reports as soon as possible.

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 2025-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NVR INC.
State: NJ

Complaint narrative:
I am writing to formally submit a complaint and to express my dissatisfaction with the handling of my mortgage application with NVR Mortgage Finance , Inc., related to my recent purchase agreement with XXXX XXXX. I believe that the current situation is both unfair and potentially in violation of legal requirements concerning mortgage application processing ( and in accordance with CFPB Regulations ). 


To recap, on XX/XX/2024, I submitted my initial mortgage application through XXXX XXXX, a loan advisor at NVR, who had been in direct contact with the sales office for my new construction property. Despite submitting all required documentation, I was informed by both XXXX XXXX and another loan advisor, XXXX XXXX, that my application is unlikely to be approved due to my current debt-to-income ratio. Both advisors have consistently communicated that obtaining approval from NVR is improbable, which I have documented through emails, phone calls, and text messages. 


Under normal circumstances, an official denial from NVR would allow me to pursue alternative financing options with cash incentives transferred to my chosen lender. However, NVR has refrained from issuing a formal approval or denial, citing potential future changes in interest rates and potential program changes as a reason for withholding a decision. This has put me in an untenable position, as I have already secured alternative financing, but can not leverage the associated incentives due to NVRs refusal to finalize my application. 


Recently, I was informed by NVR Management that my application is being " withdrawn '' due to an alleged incomplete applicationspecifically, a missing disclosure form. This claim is directly contradicted by text communications I have from NVR personnel, including XXXX XXXX, advising me to defer submission of the disclosures until underwriting was complete. 


I am compelled to demand immediate issuance of a formal mortgage decisioneither approval or denialby NVR. It is unreasonable and potentially unlawful for NVR to withhold a decision for over two months, effectively blocking my access to contractual incentives, especially when it has been clearly communicated that my application is unlikely to be approved. 

Thank you for your immediate attention to this urgent matter. I look forward to resolving this issue swiftly and amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and Santander Consumer USA due to deceptive lending practices, contract misrepresentation, and failure to honor my rescission request under the Truth in Lending Act ( TILA ), 15 U.S.C. 1635.

Details of the Transaction : Date of Purchase : XX/XX/XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financed Amount : Approximately {$48000.00} Lender : Santander Consumer USA I later discovered contract discrepancies, misleading financing terms, and undisclosed vehicle issues, specifically : The GAP agreement and financing documents listed the XXXX XXXX XXXX as {$48000.00}, while the actual value was {$27000.00}. 
The contract structure appears designed to shift liability away from the dealership to the lender, raising concerns of predatory lending and deceptive financing. 
A professional inspection performed by a certified XXXX XXXX dealership uncovered mechanical and structural issues that were not disclosed at the time of sale. 

Actions Taken by Me : XX/XX/XXXX I sent a rescission demand letter to XXXX XXXX XXXX and Santander Consumer USA, requesting cancellation of the contract under TILA 15 U.S.C. 1635 due to misrepresentation. 
XX/XX/XXXX I filed a XXXX complaint against XXXX XXXX XXXX regarding deceptive practices and contract misrepresentation. As of today, no resolution has been provided. 
XX/XX/XXXX I sent a correction letter via certified mail and fax to XXXX XXXXXXXX XXXX correcting an administrative error regarding my tracking number. 
XX/XX/XXXX I sent a rescission demand letter via certified mail to Santander Consumer USA, requesting contract cancellation under TILA 15 U.S.C. 1635 due to misrepresentation. 
XX/XX/XXXX Santander Consumer USA received my rescission request, confirmed by USPS tracking. 
XX/XX/XXXX As of this date, Santander has failed to provide a written response acknowledging or processing my rescission request. 
Issues and Request for Resolution : Failure to Honor My Right to Rescind Under TILA 15 U.S.C. 1635, I have the right to rescind due to material misrepresentation, yet neither company has responded. 
Deceptive Financing & Inflated Vehicle Value The XXXX XXXX valuation discrepancy suggests deceptive pricing tactics. 
Failure to Disclose Mechanical Issues The XXXX XXXX dealerships inspection uncovered issues that were never disclosed at the time of sale, further justifying the rescission. 
Unfair Contract Structuring The contract wording appears designed to protect the dealership from accountability while shifting liability to the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I filed a dispute with XXXX on XX/XX/XXXX to investigate and delete late payments for SYNCB/Walmart account that is reporting inaccurate account number and late payments to my credit report. On XX/XX/XXXX, the dispute is completed and additional inaccurate information was added to my report. They have added additional late payment for the year XXXX and charge off for XXXX on an account that was paid and closed in XXXX. I called SYNCB/Walmart to verify information at XXXX. Representative confirmed that account was paid and closed in XXXX and no balance is owed. I requested for them to delete the information from my credit report and was told they will investigate and it could take up to 45 days. This is unacceptable for XXXX and SYNCB/Walmart to be able to add inaccurate information to my report after a dispute has been filed. I am in the process of applying for credit and this inaccurate information can hinder that process. XXXX and SYNCB/Walmart need to both correct their process of validating information before adding inaccurate information to 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