vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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 XXXX Account names XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX 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 Also States, No consumer Reporting Agency can not Furnish any Account without my written consent.

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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s - 2 [ A ] [ 1 ] No consumer reporting agency shall not furnish any information relating to a consumer to 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 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
This is fraud. I do not owe this debt XXXX report # 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 explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aldridge Pite, LLP
State: AK

Complaint narrative:
Clear Recon Corp did not give me the notice required under the section 22 of the DOT before acceleration on XX/XX/XXXX : Section 22 requires XXXX give the XXXX notice of acceleration and a chance to cure defects prior to accelerating the loan. This notice is distinct from the later-mentioned Notice of Default that Clear Recon, as trustee, must issue after the power of sale is invoked. Therefore, the XXXX have effectively pleaded that XXXX had a contractual duty to give them notice before accelerating their loan. 

See XXXX v Clear recon Corp. 

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ALASKA XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I don't appreciated how you guys decided to close down my credit card while i'm still using it! This company just goes decided to shut down my credit card without any notices and I want the world to see how horrible they have been, do you guys really want to bank with them?

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 2024-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
By nature of the inquiry ( s ) listed on my profile, the inquiring company is stating ( under FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) ) that I initiated a transaction with them. I, the consumer, am stating that I did not initiate a transaction with the company named. So which of us is right? I would suggest that I would know best whether I initiated a transaction with the company named. Additionally I would like to bring your attention to the Consumer Finance Protection Bureau ( CFPB ) XX/XX/XXXX Advisory Opinion 12 CFR Part 1022. The advisory opinion stated that " A consumer reporting agency 's policies and procedures should also identify logical inconsistencies in consumer information ''. I would submit that if I did in fact initiate a transaction with this company, then where is the resulting tradeline on my credit file? Since there is no resulting tradeline, it supports my position that I DID NOT initiate a transaction with them. With this logic, I am petitioning that you discard the inquiry as it is FACIALLY FALSE DATA which you have a obligation to fix. 

This is my third attempt to remedy this situation. The following inquiries should be removed immediately. I have been asking for this to be corrected since my first letter on XX/XX/XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please also remove the OLD addresses on my file. My current address, which I have sent MANY times to you and proof that I live there is not working apparently. My address is only XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Please remove the addresses in XXXX, XXXX Mail is not deliverable there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: IN

Complaint narrative:
have tried to dispute these problems but no result has been given other than the runaround. will not process my complaint and this is hindering my livelihood

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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Formal Complaint against Upgrade Inc Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Upgrade Inc for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Upgrade Inc placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I hereby declare my revocation of all communication channels with Upgrade Inc including text messages, emails, and phone calls. I insist on engaging through written correspondence. In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Upgrade Inc provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Upgrade Inc is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. The date on my consumer report indicating that I opened an account with Upgrade Inc is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. Moreover, it has come to my attention that Upgrade Inc is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. The actions of Upgrade Inc constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. Please keep me informed about the progress of this complaint, and I appreciate your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: GA

Complaint narrative:
I reviewed my consumer report and noticed that i had a late payment on an account that i was never late for.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy.I have never been late on payment of this account ; XXXX XXXX XXXX.Please investigate and provide proof with with statements showing that payments were made late.If proof cant be provided, I demand that payments be updated to on time as it should be as i was NEVER late. Thank You.

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 2024-04-15 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: MS

Complaint narrative:
My disputes are with XXXX predatory collection companies. 

Portfolio Recovery XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX, KY XXXX Portfolio Recovery is reporting XXXX accounts ( {$2900.00}, {$2500.00}, {$1200.00}, {$3000.00}, {$1000.00} and {$4500.00} ) XXXX XXXX XXXX is reporting XXXX accounts ( {$2000.00}, {$2200.00} and {$970.00} ) XXXX XXXX XXXX is reporting XXXX account for {$1500.00} Lastly, XXXX XXXX  is reporting XXXX account for {$970.00}. 

Each one of these Collections companies has violated FCRA 609 ( a ) by failing to provide me with FULL and COMPLETE files on all listed collection amounts. Furthermore, after being denied this information, and per my request to cease and desist they violated FCRA 605 ( b ).

Each and every one of these companies have also violated 15 USC 1681 by violation of my Rights to privacy as well as reporting misinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: IN

Complaint narrative:
have tried to dispute these problems but no result has been given other than the runaround. will not process my complaint and this is hindering my livelihood

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX, XXXX, and TRANSUNION are all in violation of my consumer rights by reporting bankruptcies on my consumer report without having permissible purpose to do so and without ACTUALLY doing their job according to the FCRA. The law clearly states that they must follow strict guidelines and procedures to ensure that all reports are the same and 100 % accurate. Keep in mind they are contractually obligated to accurately maintain my consumer files and reports. The U.SXXXX government entered into an agreement by allowing them to assume the role of maintaining our consumer reports ( 15 USC 1681 ( a? ) ( 3 ) ). They have greatly harmed my banking abilities which are critical in order for my to attend to my everyday course of business as a consumer which includes my household purposes ( 15 USC 1681 ( a ) ( 1 ) ). Pursuant to 15 USC 1681 ( a ) ( 2 ) my reputation has been harmed, and my character has been assassinated. Pursuant to UCC 1-201 ( 1 ) ( 2 ) as the aggrieved party I am allowed to take action and pursue remedy for the violation of the agreement which was made with congress and myself to perform their duties. Each credit reporting agency named above has failed to do so. Each Credit reporting agency has stated that the furnisher has validated the information being reported. The furnisher was reported to be the courts but I have already submitted documentation from the courts that says that this statement is false and misleading due to the fact they do not furnish data. Then each agency said that XXXX a secondary reporting agency furnished the data. XXXX has provided documentation stating this to also be a false and misleading statement. This is a clear violation of UCC 9-506. 15 USC clearly outlines how my consumer report is a critical instrument used in the banking system to allow myself an investor in this banking system access to my XXXX given right under our constitution as a natural person to credit. It is imperative that this financial report which illustrates my credit worthiness to the banks is 100 % accurate. My consumer files are my real property and the consumer reports are fixtures so related to my real property. This is why as the transmitting utility the accuracy of filings ( my consumer files ) are of the utmost importance to me ( UCC 9 -102 )

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX, EXPERIAN, and XXXX are all in violation of my consumer rights by reporting bankruptcies on my consumer report without having permissible purpose to do so and without ACTUALLY doing their job according to the FCRA. The law clearly states that they must follow strict guidelines and procedures to ensure that all reports are the same and 100 % accurate. Keep in mind they are contractually obligated to accurately maintain my consumer files and reports. The U.S. government entered into an agreement by allowing them to assume the role of maintaining our consumer reports ( 15 USC 1681 ( a? ) ( 3 ) ). They have greatly harmed my banking abilities which are critical in order for my to attend to my everyday course of business as a consumer which includes my household purposes ( 15 USC 1681 ( a ) ( 1 ) ). Pursuant to 15 USC 1681 ( a ) ( 2 ) my reputation has been harmed, and my character has been assassinated. Pursuant to UCC 1-201 ( 1 ) ( 2 ) as the aggrieved party I am allowed to take action and pursue remedy for the violation of the agreement which was made with congress and myself to perform their duties. Each credit reporting agency named above has failed to do so. Each Credit reporting agency has stated that the furnisher has validated the information being reported. The furnisher was reported to be the courts but I have already submitted documentation from the courts that says that this statement is false and misleading due to the fact they do not furnish data. Then each agency said that XXXX a secondary reporting agency furnished the data. XXXX has provided documentation stating this to also be a false and misleading statement. This is a clear violation of UCC 9-506. 15 USC clearly outlines how my consumer report is a critical instrument used in the banking system to allow myself an investor in this banking system access to my XXXX  given right under our constitution as a natural person to credit. It is imperative that this financial report which illustrates my credit worthiness to the banks is 100 % accurate. My consumer files are my real property and the consumer reports are fixtures so related to my real property. This is why as the transmitting utility the accuracy of filings ( my consumer files ) are of the utmost importance to me ( UCC 9 -102 )

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 2024-04-15 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: FL

Complaint narrative:
I just recently looked at my credit report XX/XX/2024. I saw some I hard a close account witch was pay n full n promise by the skopos financial that it would be removed not have permissible purpose. I also attached evidence 1. XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-04-15 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:
I just recently looked at my credit report XX/XX/2024. I saw some I hard a close account witch was pay n full n promise by the XXXX XXXX  that it would be removed not have permissible purpose. I also attached evidence 1. [ XXXX XXXX  ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
Transunion XXXX XXXX are reporting incorrect information on my consumer file the account can not be verified as accurate because the information provided does not match. How was this account verified as accurate and what documents or person verified this information so I may follow up in the investigation myself. 

Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal XXXX XXXX Payment Status : Payment after charge off / collection Paid, was a charge-off Payment Amount : {$0.00} Account Type : Open account Deposit ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase deleted, without notice, my phone number from a internal sub-system customers do not have access to preventing me from logging into my account as there is no phone number to send the code to. 

Instead I am told to call a number that asks for information I do not have. Specifically a debit card number ( the credit card I have with them does not work ) or account number ( which does not exist for my account ) and hangs up if this information can not be provided.

After multiple calls to various departments one was finally able to give me a code but not resolve the issue. Forcing me to have to spend hours on the phone anytime I wish to interact with my account in any way.

As NY is a one party recording state I have recordings of all the calls that can be provided upon request. It is a large volume of data and as such not included in the initial report as I fear it will overwhelm the upload limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My loan was opened on XX/XX/XXXX accord to my report. Date of first delinquency would be 120 days later on XX/XX/XXXX. Closed on XX/XX/XXXX. I have tried to dispute this and they keep telling transunion that its accurate. I have NEVER made a single payment to XXXX. It has been over the 7 year requirement. They legally have to delete this. I did the XXXX XXXX XXXX and qualify for deferred payments for the first year through XXXX and I am currently paying XXXX a month on them. So the loan was transferred, but a transfer does not reset that clock. It already came off the other XXXX credit bureaus. This is preventing me from accessing necessary credit that I DO qualify for. The green checks in the screenshot are not accurate, as i said, Never made the first or any payments.

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