vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates Disclosed my debt and personal information directly to a relative of mine that I live with. I used the card of a relative to pay a debt they received verbal authorization to charge my relative card and all was good until they sent out a letter with my relatives name about my debt all of the creditors information. It is my understanding under law collection agency can not share debt to anyone besides me why does that change after Ive settled my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery has been harassing me for years over a loan they were sold that was not mine. Its for over XXXX and apparently was taken out in 2020. I never took out a loan because my credit was too low. They were calling me every day before XXXX and after XXXX when I was living in California. They have since stopped aside from every weekend. On Sundays. Thats not okay. They refuse to close the account and had taken XXXX out of my checking when I had it. Im XXXX and that money was for my bills. Now they keep trying again, and wont stop. Every time I answer a call its not someone who speaker English, they have a heavy accent and always hang up. Were they taken by fraud or a call center? It is not my loan and they need to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: IL

Complaint narrative:
I have an open account with XXXX since 2017. Unfortunately, there were some times that I fell behind due to a financial setback when I was in college that resulted in late payments. Despite this challenge, I diligently managed to catch up. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to remove the damaging information from my reports. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing. People do deserve a goodwill or second chance. This is unfair that this information has to linger for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: IL

Complaint narrative:
I have an open account with XXXX since 2017. Unfortunately, there were some times that I fell behind due to a financial setback when I was in college that resulted in late payments. Despite this challenge, I diligently managed to catch up. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to remove the damaging information from my reports. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing. People do deserve a goodwill or second chance. This is unfair that this information has to linger for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: IL

Complaint narrative:
I have an open account with XXXX since 2017. Unfortunately, there were some times that I fell behind due to a financial setback when I was in college that resulted in late payments. Despite this challenge, I diligently managed to catch up. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to remove the damaging information from my reports. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing. People do deserve a goodwill or second chance. This is unfair that this information has to linger for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
On XX/XX/year>, I had XXXX work done by XXXX XXXX XXXX who explained that I could get a 0 % percent loan through Cherry Servicing LLC. I agreed and signed up online via an electronic tablet used by provider. My provider and I looked at the available payment terms several times to make sure I was selecting the 0 % option and that is what I selected! Cherry Servicing doesn't immediately send you the loan details, so I didn't get that information until XX/XX/year>, when they said my payment was coming up. I didn't immediately read it because I knew the payment amount was {$260.00}, which I agreed to, so no problem. Later, I discovered the interest rate is 17.99 %, which I would have NEVER agreed to because I could have paid the provider in cash and decreased services. I've since researched Cherry Servicing LLC and found that they often engage bait and switch interest loans. I did contact them and they said the provider could change the terms, but the provider is not the loan company and they can't change anything, so that is another Cherry Servicing LLC lie!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-21 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: GA

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 ) Secti
on 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 2024-07-21 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: CT

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The Chase bank account that was open was opened during a fraud investigation that I reported to the XXXXXXXX police department who attempted to get the information to find out who it was from chase and another company. However even myself tried multiple time to talk to chase and send in the information and never received a phone call or email from the department after sending all the police reports and information needed multiple times. Chase failed to help in anyway with the police investigation and would not give me any information about the account accept what was owed. In the end they have been destroying my credit for the past year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: LA

Complaint narrative:
in accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX The account number is XXXX has violated my rights. 

15 u.s.c 1681 section 602 a. states i have the rights 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 reports 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 sgall not furnish any information relating to a consumer reporting agency if the person knows or has resonable cause to believe 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 2024-07-21 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: LA

Complaint narrative:
in accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX  The account number is XXXX has violated my rights. 

15 u.s.c 1681 section 602 a. states i have the rights 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 reports 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 sgall not furnish any information relating to a consumer reporting agency if the person knows or has resonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: WI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Concora Credit, which recently acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently sent me XXXX letters, XXXX for each of my respective cards. Both letters are relatively the same in its verbiage, but in differing amounts. These letters notified that not only is Concora going to increase the interest rates of XXXX of my cards to XXXX XXXX  but both of my cards are now subject to monthly maintenance fees. The Indigo card will be reviving a fee of XXXX  XXXX, whereas the XXXX XXXX  will be receiving a fee of $ XXXX. These letters also state that I have the right to reject these changes. However, it also states that should I choose to do so, my account will subsequently be closed, and Ill need to pay the account in full. It should be noted that these cards already had hefty annual fees in place upon signing up for them. 
The second provision states that by choosing to continue keeping these accounts active, I am subject to these changes no matter what occurs with my account, including transferring the balance and closing it. Along with this, by essentially taking no action, I wont be able to participate in a class action lawsuit, nor have any legal bearing to file an individual claim against Concora under any circumstance, including the validity of these changes, and breach of contract. 
This is predatory in nature. This company knows that the vast majority of its card holders have a lower credit score, and probably dont have the means to file a lawsuit if they wanted to. Furthermore, if this isnt a textbook example of breach of contract, Im not sure what is. I am an existing customer who agreed to certain and specific terms upon application. To change these terms with no recourse other than to cause immediate damage to my credit score is far from ethical and surely can not be legal.

Company response to consumer: Closed with explanation