vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ABSOLUTE CREDIT  LLC
State: ME

Complaint narrative:
There is a medical collection showing on my XXXX credit report that should have been deleted MONTHS ago. This collection is from Absolute Credit in XXXX, ME and the medical practice it is from is XXXX XXXX XXXX who agreed to DELETE this collection several months ago and requested Absolute Credit to send a DELETION REQUEST to XXXX, but it is STILL showing on my report a good XXXX months later. If this is not IMMEDIATELY deleted from my credit report, I WILL be taking legal action against XXXX AND Absolute Credit and will be seeking monetary damages for FALSE CREDIT REPORTING. I have uploaded an image of the collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : 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.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company was well aware that I was in the hospital with XXXX  when they started the repossession of this car. I recently received a copy of my credit report. To my surprise they are reporting this account incorrectly. This collection account is not only reporting as open, but also shows a past due balance of {$6300.00}. According to the FRCA, I have the right to an accurate credit report. Please remove this account from my credit report immediately. Please provide me with a copy of my new credit report reflecting this account removed upon completion. On XX/XX/27 letter was never sent or received by me. On XXXX Notice to sell that was sent certified please send me a copy of the receipt as well as my signature. The address you have on file is not my address has never been my address. I have never lived at or had any affiliation with XXXX XXXX XXXX XXXX. Also letter from car company has the money that I paid for advance payments to the account. XXXX has several lawsuits for janky business practices please check contract. As well as not being licensed to perform sells in Georgia. Please return all my funds as well as my personal items which includes my XXXX  and purse that was retrieved in this illegal repossession.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company was well aware that I was in the hospital with XXXX when they started the repossession of this car. I recently received a copy of my credit report. To my surprise they are reporting this account incorrectly. This collection account is not only reporting as open, but also shows a past due balance of {$6300.00}. According to the FRCA, I have the right to an accurate credit report. Please remove this account from my credit report immediately. Please provide me with a copy of my new credit report reflecting this account removed upon completion. On XX/XX/27 letter was never sent or received by me. On XXXX Notice to sell that was sent certified please send me a copy of the receipt as well as my signature. The address you have on file is not my address has never been my address. I have never lived at or had any affiliation with XXXX XXXX XXXX XXXX. Also letter from car company has the money that I paid for advance payments to the account. XXXX has several lawsuits for janky business practices please check contract. As well as not being licensed to perform sells in Georgia. Please return all my funds as well as my personal items which includes my XXXX and purse that was retrieved in this illegal repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I purchased my home on XXXX XXXX is my first home, and I have been struggling to understand this bank and my payment status. I am not clear on why my mortgage payments are reporting late on my credit report. I have contacted the XXXX XXXX XXXX  department numerus times, and were told that my payments were current, but when I receive the statements in the mail its always show a balance, a pass due balance. In the beginning of my loan issues, I was talking with XXXX XXXX ( Mortgage Loan Originator ) He was very helpful in the beginning and he made it clear that it was an error on their part, and for me not to worry, they will correct it .I am sad to say no correction is made till this day. I have not spoken to XXXX since, he will not return my calls, so I was transferred to someone by the name of XXXX XXXX, ( VP XXXX XXXX  Portfolio Manager ) she was pleasant to talk to but doesn't have a clue of what's going on. It's so frustrating. I am working two jobs and it is hard for me to keep calling this bank to inquire about this matter. My credit report is showing eight 30 day late, which is not true. Something is wrong, and it's not fair to me. I can not refinance because of this false information, and no one is trying to correct it. It is a nightmare to me and I will like to wake up.

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 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
The CFPB closed my previous two complaints against Portfolio Recovery Associates just because the company responded by the deadline ( even though Portfolio did not successfully refute any of my complaint, they just made vague denials and equivocations ).

One of the representations Portfolio made is that it is not engaging in deliberate harassment of me in order to extort money by means of accounts too old to lawfully report on my credit report. They make this claim despite reopening 3 other collections that had aged off my credit report in retaliation the same day as my first CFPB complaint. 

Now they are fraudulently seeking to collect over 100x the actual amount of the original collection as a means of unlawfully re-listing it on my credit report in order to deliberately damage my credit. They have knowingly done this despite being informed several times that my job is contingent upon my credit reports ( background checks ). They are trying to make it look like I owe over {$310000.00} -- the original collection ( where they at least reported the correct amount ) was {$3100.00}. 

When will the CFPB take action against this dishonest company that constantly crosses the line and harasses and harms consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I have tried contacting Planet Home Lending Customer service department but receive a generic answer every time and feel they are not trying to listen to the situation. We received the attached letter from Planet Home Lending customer service. We had a temporary loss of income due to Covid 19 in XX/XX/2020 through XX/XX/2020, and we had a hit on our credit report for three late payments in 2020. We were in the process of a refinance and, therefore, would not qualify for the deferral ( however, we were denied for the refinancing due to the late payments. We ask if the late payment can be removed as goodwill because it was due to Covid 19 loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I opted out of marketing messages. Synchrony is sending me multiple marketing messages and disguising them as account information. the information contained is clearly marketing for their product. I emailed and called them to ask them to stop the marketing messages and they did not respond. This is an attempt to get around consumer laws. 

Email XXXX XXXX  : XXXX XXXX For your account ending in : XXXX Dear XXXX XXXX : We wanted to let you know about everyday financing options available on your Amazon.com Store Card or XXXX XXXX XXXX Card account. As a cardholder, you are eligible for one of the following deferred interest financing options when you make a qualifying purchase with your store card : No Interest if Paid in Full Within 6, 12 or 24 Months. 

For the financing offers described above, if the balance ( which includes the financing offer purchase amount and related optional debt cancellation charges ) is not paid in full within the offer period, interest will be imposed from the date of purchase at the variable APR that applies to new purchases made on your account when the financing offer purchase is made, which as of XX/XX/2021, is the variable APR of 25.99 %.

Minimum monthly payments are required. Regular account terms apply to non-financing offer purchases and to financing offer purchases after offer period ends. Offers are subject to credit approval. This is only a summary of key terms. Please see any financing offer advertising or other disclosures provided to you for the full terms of any financing options offered and keep this notice for your records. 

To learn more about everyday financing offer benefits with the Amazon.com Store Card, including special financing and Equal Pay financing, please visit www.amazon.com/financing.

We look forward to continuing to service your Amazon.com Store Card or XXXX XXXX XXXX Card account. 

Thank you for your business. 

Synchrony Bank

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 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I noticed a charge on my credit card for a purchase of {$1000.00} to XXXX XXXX XXXX XXXX that I did not make. I alerted my credit card company, Chase, and they removed the charge and sent me a new credit card. After review, Chase reinstated the charge stating that it was a valid transaction because the chip was used to make the purchase. I disputed this, stating that it was not me that made the purchase. Chase requested that I contact the merchant. XXXX XXXX XXXX does not have a phone number, so I contacted them via email, and they stated that they could not provide me any further information about the transaction without documentation from the back. I provided my credit card statements to the merchant, but they stated they needed authorization from the bank to reverse the charge. When I passed this information along to Chase, they stated they would look into the situation for further review, but continue to send me the same letter stating that the charge will remain my responsibility and that the charge was found to be vaild. I went in to Chase and spoke with a banker, who suggested I file a report. I still have not been reimbursed for this purchase on my credit card that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/2020 i have been trying with the help of XXXX out credit restoration to dispute misinformation on my credit report. We have sent in multiple request and reports to XXXX, Equifax, XXXX. On multiple dates for the past XXXX  years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/2020 i have been trying with the help of XXXX out credit restoration to dispute misinformation on my credit report. We have sent in multiple request and reports to Transunion on multiple dates for the past XXXX  years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Alerts keep popping up on my equifax XXXX and XXXX  credit reports unauthorized. Ive kindly asked all three to remove these unauthorized XXXX inquiries but to know available..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I have tried for years to get help from this company and still do not get anyone to see that this company added fees and lates even though I send by certified mail and I send certified checks. This is not correct and this company is know by the XXXX  as being bad. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX ACCTOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation