vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Closed another of my accounts. This company preys on individuals with little to no credit by offering a credit card and then deploying the same tactics over and over again to lower or close accounts. I have not missed a payment on ANY account in YEARS! Their system ID flawed. They take advantage of those in need just to throw them to the wolves when they feel like it. Using old irrelevant information as their reason to ruin someones credit health. This company should not be in business. And I will continue my mission to file a class action lawsuit for taking advantage of people with reckless abandonment. Their actions are utterly senseless. Their rating is 1 star for a reason. This corruption has to be stopped.

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 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Subject : Formal Complaint against Portfolio Recovery Associates Amount : {$820.00} Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Portfolio Recovery placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Portfolio Recovery Associates, including text messages, emails, and phone calls. I insist on engaging through written correspondence. 

In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Portfolio Recovery is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Portfolio Recovery Associates is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that Portfolio Recovery is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and I appreciate your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 
XXXX XXXX, and, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-03-19 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: NY

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. 
XXXX XXXX, and, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am not liable for the debt with XXXX XXXX XXXX. I do not have a contract with National Credit Systems Inc. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I was notified that Affirm reported my payment as late on XX/XX/2023 via XXXX. As shown, I used Affirms text payment option to pay the minimum payment for this account on XX/XX/XXXX and Affirm reported the payment late on XX/XX/XXXX. I reached out to Affirm for clarification and wasn't given any specifics as to why my payment was reported late after using the text to pay option. Please remove any inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received the following email : XXXX XXXX XXXX XXXX XXXX ( XXXX hours ago ) to me Hello Sir, Tuesday, XXXXYour prompt payment is valuedXXXX There is an attachment billing me {$220.00} for XXXX  using PayPal. I have never purchased XXXX via PayPal or any other service. There is a fake invoice with the PayPal name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to express my dissatisfaction with the handling of a recent dispute regarding unauthorized transactions on my Chase account. On XX/XX/2024, I received a notification regarding an XXXX transaction I did not authorize. I also received a fraud alert notice email from Chase stating they declined a transaction from XXXX XXXX XXXX XXXX for {$7.00}. 
Immediately, I contacted Chase customer service to report this fraudulent activity. A representative promptly assisted me in canceling my debit card and assured me that a new card would be issued. Furthermore, the representative assured me that the funds in question would be refunded pending investigation. 

However, on XX/XX/2024, I received correspondence from Chase indicating that they had concluded the transaction was processed by the information provided or was authorized. Consequently, they proceeded to deduct {$27.00} from my account. This decision was made despite my explicit denial of authorization for the transaction and my prompt reporting of the issue. 

Upon contacting the claims team to dispute this decision, I was disheartened to encounter resistance and skepticism regarding my claim. Despite reiterating that I did not authorize the transactions and that they were not associated with my XXXX account, I was met with skepticism. The claims representative cited my prior use of XXXX as evidence of authorization, disregarding my explicit denial. 

Furthermore, the suggestion that I could have prevented this situation by reporting my card as lost is deeply troubling. I had no reason to believe my card was compromised until this unauthorized transaction occurred. The implication that I am somehow at fault for not preemptively reporting my card as lost is unjust and lacks consideration of the circumstances. 

Moreover, the claim that XXXXXXXX XXXXcanned the PIN does not absolve Chase of responsibility. It is evident that my card information was compromised, possibly through unauthorized means, and used fraudulently. Despite having my card in my possession, I reiterate that it is entirely plausible for someone to obtain card information through various means, or online breaches.

In light of these circumstances, I urge Chase to reconsider their decision and to provide appropriate restitution for the unauthorized transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX pulled TransUnion credit report twice on XXXX without my permission. I have repeatedly called and asked for managers and the owner. Every time the owner is busy. I have also asked for their attorney but they refuse to give me their name.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Last week I experienced a phishing attempt that was dealt with and I updated my password and spoke with ally fraud department. Everything seemed fine but now today I found that I was locked out of my account with no notice. I have had several payments fail due to this. I made it absolutely clear to their support that I needed this addressed immediately but was told that only the fraud team could resolve this issue during regular business. It seems they did try to call once with no voicemail and no caller ID name after I have just experienced a phishing attempt over the phone so had no clue who it was. 

This has been an ongoing problem with ally bank and seems to have no resolution in sight.

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 2024-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I took at a private loan for XXXX XXXX XXXX  ( XXXX ) in XXXX. I have been making payments on weekly, bi-weekly and monthly intervals depending on pay scales. I have over paid my monthly payment in an effort to pay it off sooner. However, I feel like I'm in a never ending cycle. XXXX is listed in the XXXXXXXX XXXX XXXX lawsuit as a predatory school. Navient has been the subject of so many lawsuits that I don't know how they are still in business. The very first private loan that I received is the only outstanding private loan I have left. XXXX promised help in finding a job after XXXX, that never happened. I couldn't even find a position as a XXXX XXXX XXXX because the programs used at XXXX were out dated before I even XXXX. The original program cost roughly {$32000.00} and the enrollment/financial ad staff instructed me to apply for Federal and private loans that covered the cost of the program. All told, I borrowed {$63000.00} for {$32000.00} program. I was a first time borrower and honestly relied on the school staff to direct me. That was a huge mistake. Now fast forward XXXX  years and the every first Sallie Mae Signature loan for {$8400.00} still has a balance of {$6900.00}. This loan had a co-signed, my father-in-law. He passed in XXXX of XXXX. I reached out to Navient and provided the death certificate asking that he be removed as the cosigner. It was my understanding that he was, but now when I get phone calls on the remaining the amount, I'm asked about my co-signer. I don't know how many times I can tell them that he died. XXXX has been the subject of I don't know how many settlements, but I never saw anything. When I ask, I get told I don't qualify, but can't get an explanation of why I don't qualify. Navient was recently sued by multiple state Attorney Generals. I got {$500.00} and didn't qualify for complete relief because I was XXXX enough to pay on my loans. I never went delinquent for 7 months consecutively. XXXXXXXX XXXX XXXX has found in favor of the borrower. The fact that Federal Loans are being forgiven and refunded for the same XXXX  I attended should provide some kind of legal precedence to have my loan discharged and refunded. I do not owe the remaining {$6900.00}, I have been paying and paying and paying and the term of my loan never decreases. I was placed in forbearance or deferment by Navient when I shouldn't have been. They obviously did not place them on the oldest loans first. Why else would private loans from XXXX, XXXX ect be paid off but this one is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not consent, nor benefit from, or authorize any of the following being reported to Account : XXXX XXXX XXXX account ( # ) XXXX - report furnished by XXXX XXXX XXXX. 

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I did not consent, nor benefit from, or authorize any of the following being reported to Account : XXXX XXXX XXXX account ( # ) XXXX - report furnished by XXXX XXXX XXXX. 

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me. 

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A )

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
- I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-20 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate : 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