vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian improperly and illegally has let an illegal third-party Anility recovery service report, false and Is in violation UCC 15 U.C code section 1692e False or misleading information. & it is pattern and practice of illegal activity. This company is committing Social Security Fraud and is breaking and CFPB violations. FTC, XXXX and many violations that would. be endless web. Experian and XXXX are working together with each other to commit fraud and id violation the terms and provisions of the XXXX XXXX, and the XXXX, and they are deliberately, violation their own department policy.

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 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
In XXXX  I filed a police report after receiving mail from a debt collector regarding a XXXX account opened under my name. Ive never been a XXXX customer. I explained this to the police and they generated a police report to share with XXXX. The account should have been shut down, but I received a new piece of mail from a debt collector trying to secure payment for the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it. According to UCC 3-603 and UCC 3-311 and XXXX  XXXX  is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by. Any Company or Institution that refuses these Instruments according to the UCC is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.

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 2024-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Over the past several months my payment to nelnet is being rejected for no reason. Then fees are added. They have told me its because my account had insufficient funds which was not true, they also told me it was because my routing number was incorrect which is not true, they also told me it was because my bank was declining to process the payment which is not true. I have spoke to the bank several times and the request is never getting to them. I did a bit of research and it seems lots of people are having this issue. This just started a few months ago, I have been paying this loan for years with no issue. I have called nelnet a dozen times with no real answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: MA

Complaint narrative:
I looked at my Transuion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
The account with XXXX XXXX is not mine. Portfolio Recovery is reporting delinquent account XXXX XXXX on my credit report and I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I filed for probate back in XXXX after my mom passed away. I was awarded the personal representative, executor of the estate ( copy attached ) from the courts. I provided that with my moms death certificate ( copy attached ) to freedom mortgage more than once. With those forms I should have been able to assume the loan to do a loan modification or several other options. Freedom mortgage refuses to accept them even when provided by the courts. They have been providing false info and sending me on impossible tasks to delay me and deny my rights to the property, in order to be thesuccessor of interest which according to them will allow me to assume the loan and look into my options from there. They now want a court order transferring the deed to me, even when Im the heir and executor of the estate. On a document they are requesting I found one dated to the original sale date it lists freedom mortgage as the successor ( copy attached ) So they are asking for a form that they have the rights to, making it impossible for me to get. Because of this they are not letting me take over the loan which would give me access to different covid programs and emergency funds to prevent foreclosure. Ive been trying for several years and they are still denying me my rights to my mothers home. I have been trying to work with them with no luck, now I have a foreclosure date of XX/XX/XXXX, which is in 3 days from now. From the false info and denying my rights to the home they have put in a bid already for the auction for {$150000.00} less than its worth. Also have investors that just happen to know people at freedom mortgage knocking on my door trying to scare me and force me to take a cash offer for under $ XXXX. I was trying to rent the residence so I could have income coming in on the property and allow me to look into more real estate. Now Im just a couple days away from the auction and looking at loosing the {$150000.00} in equity thats in the home where Ive been living for the passed 8 years. Living here prior to my mom passing, so this is my home and they are XXXX theyre way to kick me out so they can profit from the false info and denying me my rights to the home.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it. According to UCC 3-603 and UCC 3-311 and XXXX  XXXX  is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by. Any Company or Institution that refuses these Instruments according to the UCC is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Resurgent Capital Services has sent me numerous emails stating I owe a debt that was discharged in Bankruptcy. They have probably been attempting to call me but I do not answer calls I do not recognize. The original debt was from XXXX XXXX for a credit card debt, but all of my debts owing to XXXX XXXX were discharged. I have not had any credit card or loan with XXXX XXXX since XX/XX/year> when I filed to have my debt discharged. All debt was discharged in bankruptcy court. XXXX XXXX had an opportunity to object to the discharge at the XXXX meeting and they did not do so. ALL OF MY DEBTS OWING TO XXXX  XXXX WERE DISCHARGED!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank arbitrarily lowered my credit limit from {$2500.00} to {$880.00} for no good reason. 

I have been a customer of Citibank credit since XX/XX/2023. I have paid my bills on time every month. Yet, in under a year of being a customer of the bank, they took away most of the very reason I'm with them : my credit. 

Furthermore, I have paid my credit card bills on time, every month, with all other bank credit cards outside Citibank. 

There is no good justification for the reduction of my credit limit. 

They say that I am using too much credit on other bank cards. If I'm given credit, I'm allowed to use it. And as long as I pay on time, I shouldn't be penalized for having credit and using it when I need it.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been trying to apply for credit cards, buy a house & also get me a new vehicle but i noticed it was damages on my credit report. According to the credit report 15 USC 1681 law there should not be any damages on my credit report its a declaration to my character.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: United PanAm Financial Corp.
State: MI

Complaint narrative:
The things I tried to get taken care of didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING LLC  XXXX This company was supposed to have sent a report to the credit bureaus indicating this account did not belong to me, I never signed a contract with them and had identity theft a while back which I included various police reports and FTC Reports indicating this and was deemed fraudulent by the company this company BOUGHT THE DEBT FROM- yet it remains in my credit report blocking me from purchasing a home. It needs removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has been an issue for me for years. Recently a fraudulent account showed up on my report from a credit recovery company that I have no knowledge of and owe no money to. I never signed a contract with this company and was in the process of buying a home. Now the loan fell through because Experian dropped my score XXXX points due to this fraudulent transaction. I had identity theft a while back. placed several police reports about it, froze my credit and now this. This account is not mine. 

Experian also has a name on my report that is not legally mine that they have not taken off my report. I get confused for this person all the time. 
The FTC also has a case of identity theft with them as well. XXXX Is the complaint number. 
I included one of the many police reports filed.

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 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Several years ago I received a notification from XXXX XXXX XXXX XXXX that my order was received and shipped. Ive never had XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and was assured the shipment was stopped and all was resolved. Last year a delinquent account popped up on my credit. It was a collection company unable to collect a XXXX XXXX XXXX XXXX balance. I disputed it and it was taken off my credit. Recently a different collection popped on my credit. Different collection company but same XXXX XXXX XXXX XXXX account. As I said I resolved this because it was fraudulent. It was turned over to collections without sending any information to me about it. The only knowledge I had was the shipment to someone in my name and XXXX XXXX XXXX XXXX assured me it was resolved. I disputed the latest collection on my credit but this time they said it was verified. This blows my mind how this could happen.

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 2024-05-19 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: MA

Complaint narrative:
The list of below have violated my federally protected rights To privacy and confidentiality under 15 USC 1681 Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-19 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:
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 is my understanding that you will investigate these item for me to ensure accuracy HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : I AM NOT LIABLE FOR THIS DEBT WITH : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION IT LIKE ASKED IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506 TITLE VI SECTION 611, PLEASE PROVIDE THE NAME AND BUSINESS ADRESS OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTE YOU THANKS

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