vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 

The inaccurate entry is as follows : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Past due XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Past due balance : {$510.00} Creditor Name : XXXX XXXX XXXXk Account XXXX Date of Charge-Off : XX/XX/XXXX Past due balance : {$680.00} I redispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA.

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, 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 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with a chase representative ( recorded call ) about my past due amount of {$230.00}. I told her I couldnt financially pay it at once so she told me they had a no interest payment plan option for me to pay the balance down. I asked her will being enrolled into this be reported as past due or late to my credit report this representative told me no as long as youre making the {$77.00} increment payments on time. She scheduled my payments XXXX, XXXX and XX/XX/18. I paid all payments ahead of time. Different chase representatives has called me saying I still have this amount due of {$230.00} I told them no Ive been making payments. They would place me on hold and see the payments on file. Its clear chase has not accurately reviewed their notes for my account and they seem to have different information about my account. Today my score has dropped XXXX points because chase reported to credit bureaus that I havent paid anything on my credit card. Reported it as delinquent when thats indeed not true. I want this fixed as I have held my part with chase making the promised payments to be brought back to current but they have not held their part of keeping records of me being enrolled into the payment program and of my past payments. This has effected me and my family of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the charge-offs reported by your companies to the credit reporting agencies regarding the accounts listed below : Account Number : XXXX XXXX Account Number XXXX Status : Paid in settlement. {$810.00} written off Closed Account Number : XXXX XXXX Account Number XXXX Statues : Account charged off {$12000.00}. Written off XXXX, 243 Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.

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 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: IL

Complaint narrative:
I RECEIVED COLLECTION LETTER FROM SENTRY CREDIT INC AS KNOWN AS XXXX XXXX XXXX XXXX NO XXXX LLC. COLLECTING ON A FRAUDULENT ACCOUNT WITH XXXX XXXXXXXX XXXX XXXX 

I SPOKE WITH SEVERAL REPRESENTATIVES AND MADE THEM AWARE OF THIS SAID MATTER AND EXPLAINED TO THEM THAT IS ACCOUNT IS A RESULT OF FRAUD AND WAS OPEN OVER XXXX AGO AND THE ORIGINAL CREDITOR WAS INFORMED ABOUT THIS ACCOUNT BEING FRAUDULENT OVER XXXX AGO AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
XX/XX/XXXX - Went to Honda of XXXX XXXX to purchase a new vehicle after my car was stolen during a home invasion. I chose this dealership because a close friend worked in parts & service, and was able to get me the friends and family discount. However, on the date I went to the dealership, they had sold the original vehicle I came to look at. Regardless, they stated that a similar one was in transport. They agreed to sell me the car at invoice - XXXX. Stated they would text me when the vehicle arrived. 

XXXX - Received notice via text from XXXX XXXX that my vehicle had arrived. I should note that XXXX is not the business manager who I completed my paperwork with. 

XXXX - I went to the dealership to purchase the vehicle. The on the road price agreed upon was {$38000.00}. I put down {$8000.00}. Per the retail installment sale contract I signed on XX/XX/XXXX, the terms were as follows : -- Amount Financed : {$30000.00} -- Finance Charge : {$6900.00} -- XXXX APR for 72 months -- Monthly Payment of {$510.00} XX/XX/XXXX - Received welcome email from Honda Financial. Logged on to see that the monthly payment amount was {$85.00} more than the agreed upon price. I doubled checked my copy of the contract and confirmed XX/XX/XXXX - I reviewed the contract submitted to the finance company. Upon review, I noticed that the amounts were different, and the contract was dated 2 days after my purchase date and the signature on the documents was not mine. Below are the changes : -- On the Road Price : {$42000.00} -- Amount Financed : {$35000.00} -- Finance Charge : {$8000.00} -- 6.9 APR for 72 months -- Monthly Payment of {$600.00} Same date, I reached out to a consumer lawyer. They mentioned filing complaints with the AG 's office, MVA, and CFPB. 

I also reached out to Honda Financial, who stated there was nothing they could do, despite the documents that the dealership submitted being falsified and fraud. 

XX/XX/XXXX - Filed Complaint with AG 's office. Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: AZ

Complaint narrative:
I am filing this complaint against Experian for failing to investigate inaccurate items on my credit report and for not providing the specific information I requested regarding how they verified the disputed items, despite my efforts to provide all necessary documentation for identity verification. 

On XX/XX/year>, I uploaded a dispute letter to the Experian portal requesting for Experian to provide information on how they verified the accuracy of the bankruptcy record on my credit report : Court Name : US BKPT CT XXXX XXXXXXXX Reference Number : XXXX However, I did not receive a response from Experian with the investigation results. 
In my dispute letter, I requested detailed information on how Experian verified the accuracy of the disputed items on my credit report. Specifically, I asked for : The date they contacted the creditor and furnisher. 
The contact information of the creditors and furnisher. 
The name of the person who verified the disputed items. 
The method of communication used to conduct the investigation. 
Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 
Experian 's refusal to provide the requested verification details and to properly investigate the inaccuracies has caused considerable inconvenience and distress. The presence of incorrect information on my credit report adversely affects my creditworthiness.

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 2024-07-18 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: IL

Complaint narrative:
This is my refilling to the EXPERIAN. I have reached out to the following accounts below for so many times and talked to them about the issue with my accounts as reported by the EXPERIAN. They have advised me that they will DELETE the accounts, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2024-07-18 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: NJ

Complaint narrative:
I am not liable for this debt with charter communications, they did not provide me with the original contract as I requested.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
{$2200.00} company took the application and did not return the credits applied due to monopolization or redlining of credit report held by Experian, XXXX and XXXX. 

The High derogatory perceptions are debt notes that they are claiming have not been settle but on the record and can not attest to nature of ownership or implication on the applicants intended use of personal credit created by the Equal Credit Opportunity act Considered billing errors on the account Consumer dismisses application with so called creditor Evaluate history or standing of listed creditor mentioned 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 explanation
Consumer complaint received 2024-07-18 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:
I previously notified you on XX/XX/24 that there was information on my consumer report as the result of identity theft. Also that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. In accordance with the law, the requirement threshold is simply : Proof of identity - a copy of my State ID was provided A copy of an identity theft report - furnished from XXXX, a government agency The identification of said information by the consumer - listed in my last letter but I digress is as listed : XXXX XXXX XXXX A statement by the consumer that the information is not information relating to any transaction by the consumer - which I have previously stated per the letter sent on XX/XX/24, but alas I reiterate once again that this information is not any information relating to any transaction by me as a consumer. 

As the consumer reporting agency, a block of the information that resulted from an alleged identity theft should have been no later than XX/XX/24. My request to block was and is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2024-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Hello, I'm being told by the DOE that my payments towards my student loans aren't eligible for PSLF forgiveness even though their own website indicates they are. I have been an XXXX  a XXXX nonprofit continuously since graduation and for every payment made over the years. My understanding is that the standard repayment plan is eligible but under normal circumstances wouldn't have a balance to forgive for PSLF however I was under the impression that the forebearance during covid was counted towards PSLF which means I should be eligible to have my loans forgiven after 10 years under PSLF despite them still having a balance. I am relying on this website- https : //studentaid.gov/help-center/answers/article/qualifying-repayment-plan-for-pslf I would like to have my past payments counted and I would like to ensure my future payments while I retain employment are counted correctly so I don't have to engage in this back and forth when I should be fully eligible for forgiveness in a few years. 

I have submitted my certifications and my case number with the DOE is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: NC

Complaint narrative:
My account with ( XXXX XXXX, XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC is stating that they will not give us access to the available funds in our home equity line of credit without us opening up a checking account with them. We wrote a check off of the line of credit to pay a down payment on a vehicle. PNC did not honor the check can not give us the reason why and there were funds available in the equity line of credit, the car dealership received for the check. The escalations department could not tell us why they returned the check and they informed us that they changed our account number in XXXX  but that the checks should have been grandfathered. We were told by the escalations department to go into the branch and have them do an exception XXXX  debit from the line of credit so we could get a cashiers check and pay the car dealership. When we arrived, the branch informed us that they would not do that for us and the only way to access the money in our line of credit would be to open up a checking account with them. This was at the XXXX  XXXX PNC branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRIAD FINANCIAL SERVICES, INC.
State: MI

Complaint narrative:
This account was paid in full by the previous owners bayshore Wolverine capital by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the XXXX days late to be removed from my co borrower and my credit report immediately. We never been XXXX day or more late why would we be XXXX days at pay off time? I lost XXXX points on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that triad Financial remove the XXXX day late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this XXXX late on my credit report stops me for doing anything with this blemish from XXXX financial. I cant see how they were able to put a 30 day late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed 30 day late from a successfully removed account. This was my complaint last month. 

I have new complaint this month as of XX/XX/year>. The same issue has occurred for the month of XXXX. My Wife and lost out on homes that we were trying to purchase the past XXXX months. Now we had to rent for nothing for a year because of these constant XXXX late Triad Financial keep putting on our credit reports damaging our credit. XXXX requesting XXXX stop this XXXX late debacle on my wife and i credit reports remove XXXX late immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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