vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I paid an settlement offer to XXXX ; this offer was given to me as an option to stop collection and reporting would be closed and ONLY be reported as paid settlement. 

In the month of XXXX I noticed the account stated that the account was closed on the month of XXXX and XXXX was reporting as XXXX XXXX. ( Attached ) I filed a dispute to correct this issue and within 30 days these months where updated. However, the updates where changed to on time for XXXX, closed for XXXX. 

Only days later I notice a XXXX point drop on my Experian credit report. XXXX XXXX reported XXXX for the month of XXXX so I again had to dispute this issue. This dispute was updated on XX/XX/XXXX. However, the same issue has taken place. XXXX of XXXX is showing a negative reporting. 

As of today XX/XX/XXXX ( image attached ) this issue is still ongoing. I have reached out to Experian just as I have each time this has happened to file a dispute. However the representative informed me that each time i complete a dispute it refreshes the paid debt and that I should reach out to the creditor. I informed the agent that I had tried to contact them through the email that they would previous send account information to me from. In response I was informed that account information could not be discussed through email and a number was provided. 

XX/XX/XXXX I called the number ( recorded conversation ) In speaking with the customer service agent and then a supervisor. I was informed that their credit reporting department does not speak to customers and nor does their legal department. They also told me to keep disputing it. I explained that this situation is causing a rollercoaster affect with my credit score and it needed to be resolved. The supervisor explained that all she could do is send an email asking for them to update the reporting and informed me to dispute it again. Im truly lost on what to do. Its clear that this is being done on purpose. The supervisor first told me she saw the dispute results and called out each day 1 disputed the account activity and then later in the conversation said she could not see everything.

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 2022-01-14 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: MO

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-14 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: MO

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: NJ

Complaint narrative:
The following accounts did not have permissible purpose to furnish any remarks on my consumer report. I did not give these debt collectors my written instructions to furnish anything on my consumer report, which is a violation of the Fair Credit Reporting Act. Furthermore, I did not make any consumer credit transactions with the listed debt collectors below. They are in violation of the Fair Credit Reporting Act and must be deleted from my consumer report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX ) XX/XX/2019 Purchased new mattress from Mattress firm with a new account issued by Synchrony Bank. 
XXXX ) Purchase amount was for {$2600.00} and qualified for 0 % for six years. 
XXXX XXXX Synchrony Bank refused to honor the sales agreement financing. 
XXXX ) Consumer attempted on numerous occasions to have Synchrony bank update and correct the account details. The attempts were via telephone, emails and mail. 
XXXX ) Synchrony bank continuously made threats to report the consumer as delinquent to the credit bureaus despite been provided confirmation from Mattress firm that purchase qualify for 0 % for 6 years. This was a violation of fair credit reporting act and caused damages exceeding {$6500.00} in home refinance and car loan. 
XXXX ) The law firm of XXXX XXXX XXXXXXXX has repeatedly refused to provide all information pertinent to this account such as A ) all Statements, B ) correspondence c ) Telephone call recordings and needs to be investigated as an accomplice in the fair credit reporting and Deceptive marketing practices. 
XXXX ) Exhibit a-c clearly show that monthly charges and interest charges were invalid.

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 2022-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Service Finance Holdings, LLC
State: CO

Complaint narrative:
In response to complaint ID XXXX What is the next step? 

I refuse to pay for a product that I did not receive. I have a signed contract and renderings from XXXX XXXX of what we agreed on. Nothing was done correctly. Not the floor coverings, not the walls, not the paint, not the room sizes, not the ceiling heights, not the fixtures, not the missing shower bench, not the missing show niches - NOTHING. 

I find it very self-serving that Service Financial can not provide a recording of an alleged voicemail for a {$15000.00} loan agreement while I am able to archive and review the hundreds of voice mails, text messages and emails between XXXX XXXX XXXX XXXX. 

XXXX XXXX employment was terminated after this project and we believe that it was due to the fraud he committed with this project. 

It is now clear to me that not even the owner, XXXX XXXX, was aware of the promises that his employee made in writing to me. ( See email dated XX/XX/XXXX - Page 10 of XXXX XXXX Request Attachment package XXXX ). In that email XXXX XXXX admits that he does not have a copy of the contract that he signed off on to Service Financial. 

Service Financial provided me a bill that shows the final payment was released prior to the project being finished. ( Page 6 of XXXX  CFPG Request Attachment package XXXX ). First payments of XXXX and XXXX were paid on XX/XX/XXXX and XX/XX/XXXX to start the project. The final payment from Service Financial was not to be paid until the project was completed per my contract with XXXX. The project was never finished. 

Somehow XXXX XXXX convinced Service Financial to release the funds early and without my knowledge. Service Financial released the funds without even talking to me. I was not aware that XXXX received the money until I got a bill in the mail. 

When I brought the fact that I got a bill from Service Financial in the mail to the contractor, I was told that I had to pay the bill or XXXX  would stop working on the project. I was XXXX  and looking at a construction mess in my home with a contractor telling me that he would walk away with my down payment if I stopped paying Service Financial. XXXX XXXX kept insisting to just wait until the finished product. Every time I would bring up a problem he would threaten to quit and told us to wait until he was finished. I waited 8 months for them to finish a contracted 6 week project. They never completed it. 

The builder owes us money because the project was not done on time and not completed to specification. 

By releasing the funds before the project was completed, Service Financial left me with no leverage to get the job done correctly. The contractor took the money and gave up. 

Again, I ask Service Financial - What is the next step?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: AL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
AFFIRM INCXXXX XXXX violated my consumer rights. AFFIRM INCXXXX XXXX XXXX XXXX cease and desist via certified mail and signed the green return receipt proving they received it on XX/XX/2022. I have attached a copy of the certified mail receipt and a copy of the signed green return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I pulled my credit file and Midland Credit reporting inaccurate information. On XX/XX/XXXX, I mailed a Cease and Desist and Validation letter. I mailed a second Cease and Desist and Validation letter on XX/XX/XXXX to To date, Midland Credit has not responded to my letter to provide all documentary evidence to prove I owe the debt. They continue to communicate with me via the Credit Reporting Agencies and by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I never applied for paypal

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, This is a complaint against XXXX XXXX for my frozen checking account with total balance of {$13000.00}. It came to my attention on Monday XX/XX/XXXX at XXXX XXXX XXXX that my checking account number has been frozen without any notice. I made phone call immediately and after being transfer from one department to another nothing was achieved to fix the problem. 

Again, on Monday XX/XX/XXXX at XXXX PM I called to the number provided on my checking account to have the issue fixed and unfreeze my account. After speaking with 9 different representatives, I was passed from one department to another and for twice I transferred to the same initial department when I called at XXXX. 
I told 3 of the representatives they need to make a note on my account as someone needs to call me from the fraud investigation department to unfreeze my checking account immediately. 

I mentioned that XXXX XXXX is very unprofessional as they must informed and contacted me by phone call or written communication that my account has been frozen. I had my checking account since XXXX, and all my transactions runs through this checking account. 

I clarify with the bank that any delay or rejection of payments made by this account that may results in reflection on my credit score or late fees is the responsibility of XXXX, and I look for the reimbursement costs of damages made to me by lack of professionalism and communication from CapitalOne which is against the XXXX banking regulation. 

I informed the representatives that I am recording this call, and I will contact CFPB, if issue does not get resolved within the next 24 hours and follow up from the CapitalOne. 

As of today Thursday XX/XX/XXXX, no phone call, email, or written form of communication has been received. 

I am looking for my total account balance of {$13000.00} to be unfrozen immediately as the frozen funds are affecting my financial situation and basic life needs such as paying loans, credit card payments, rents, purchasing food, medicine, and life necessities. 

I am looking for your help and assistance in this important matter as it is interrupting with my personal and financial life which my results me further losses and inconvenience. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: NY

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
I needed to take advantage of the entire covid forbearance due to the slow in business due to the virus ( I'm a small XXXX XXXX ). Covid for us, did cause Changed Circumstance. I did a verbal consent over the phone. I did know that there would be repayment options. However, I did not know that all options for repayment would cause an adverse action against me. Once the forbearance ended, I was told that I could put a lien on my home and pick up payments where they left off. I was also offered to put the forbearance amount owed on the backend of the loan if I entered a new loan contract. The third option was for me to pay the full {$20000.00} upfront. I denied all of the options and requested a regular payment plan that would not require me to put a lien on my home, create a new mortgage contract or force payment in full at once. I spoke to several representatives and one manager. The very 1st rep told me that she would send out a payment plan and request the repayment plan guidelines be sent as well per my request. The next week, I called to check to see if it had been sent but was now being told that I now have to apply for a normal repayment plan. I was vehemently against having to apply to repay my own mortgage. I argued that it would be incomprehensible to request that someone who had just needed to use a full forbearance relief to be forced to apply to repay. It should be evident that there are financial difficulties. Ultimately, it took about a month to receive the application. By the time that I received the application, I was about ready to submit my written RESPA request. Instead of applying to repay, I just submitted my request. They received the request via registered mail on XX/XX/XXXX. On XX/XX/XXXX, they reported my entire loan amount to all credit reporting agencies, not just the {$20000.00} that was in question along with other requests. They never confirmed receipt of the QWR as required. I only know it was delivered because I sent it registered mail. They are not supposed to report anything during the QWR process. I am being retaliated against for utilizing my rights.

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 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the JPMCB CARD items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( JPMCB CARD XXXX, JPMCB CARD  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, I pulled my credit file and XXXX XXXX reporting inaccurate information. On XX/XX/XXXX, I mailed a Cease and Desist and Validation letter. I mailed a second Cease and Desist and Validation letter on XX/XX/XXXX to To date, XXXX XXXX has not responded to my letter to provide all documentary evidence to prove I owe the debt. They continue to communicate with me via the Credit Reporting Agencies and by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: NJ

Complaint narrative:
The following accounts did not have permissible purpose to furnish any remarks on my consumer report. I did not give these debt collectors my written instructions to furnish anything on my consumer report, which is a violation of the Fair Credit Reporting Act. Furthermore, I did not make any consumer credit transactions with the listed debt collectors below. They are in violation of the Fair Credit Reporting Act and must be deleted from my consumer report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation