vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I also respectfully requested to be provided proof of the alleged items pacifically proof, that these payments were in fact late by the provision of the consumer protection law I demand, if unable to do so, or backing proof that these payments being late to update my payment status as XXXX paid as agreed never late and supply a corrected credit profile any creditor who has requested the access to my credit profile in the last 6 months

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 2024-04-07 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-04-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian ceo XXXX XXXX send copy to. 15 usc1681 b ( 2 ) any negative item that a company reports to your credit report without your written consent is considered identity theft and fraud ( permissible purpose ). 15 usc 1681n if the credit bureaus do not delete your negative items after you dispute them, they will owe you a {$1000.00} per item. Civil Liability for willful noncompliance. 
15 usc code and 1682c-3 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of reception. It has been 30 days and you are in violation of this law because I am a Victim of identity theft!!! Please delete these items immediately. These accounts should not be furnished on any consumer report as they are in violation under 15 usc 1681n permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions to report anything or my consumer report which city rights as a federal protected consumer. No constant is identity theft. As a consumer I am demanding that you delete all of these accounts immediately. 

I am a American state national. I have a fee schedule that states I can charge you with {>= $1,000,000} for billing my trust plus {>= $1,000,000} each for racketeering and fraud {>= $1,000,000} plus.

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 2024-04-07 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: EdFinancial Services
State: GA

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. XXXX and XXXX are third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Bank is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Fidem Baltimore Holdings LLC
State: TN

Complaint narrative:
I make my credit card payments on time and every month I get an email saying the payment is overdue and late fees have been assessed. Because I cant make payments through app or their website ( which I have repeatedly asked them to fix ), I pay directly from my bank account. Not only does my bank show they are receiving the payments, but they arent removing late fees or accrued interest fees once they credit payment. At this point, I believe at least a majority of the balance is fees because they didnt do correct accounting and are maliciously charging additional fees. Plus, I have rewards of over {$200.00} that Im not allowed to apply to the balance or collect. Up until XX/XX/2023, I was unemployed and awaiting an answer from social security. I was granted XXXX and I feel like what they are doing is hurting a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: VA

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 items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account # : XXXX Account Type : revolving Institution : 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 2024-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX I was being asked by affirm to pay {$1200.00}. This information was presented to me in a Truth in Lending Disclosure but the address in the top left corner is XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CA XXXX. I provided this information along with a copy of my California drivers license which shows has my current address on it. The company stated that they will be doing a thorough investigation however in their thorough investigation, they failed to see that this has never been my address in the past 12 years and counting. I contacted Affirm again to ask what more can i show that this purchase was not made by me and i was met with response that their decision is final and they can not do anything more for me at this time without new evidence. I have exhausted all my evidence that would have shown that I never opened this account and that i should not be held liable for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against Amsher Collection Services regarding a debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. 

I have recently been contacted by Amsher Collection Services regarding an alleged debt in the amount of {$2500.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to Amsher Collection Services or any other entity.

According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to Amsher Collection Services disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. 

Despite my written requests, Amsher Collection Services has continued to contact me regarding the alleged debt, which has caused undue stress and XXXX. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my credit score and financial standing. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Amsher Collection Services for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX {$7500.00} illicit wire ( XXXX ) Victim-blamed me for months, lied to me about company practices during investigation, then indemnified {$2300.00}. XXXX had {>= $1,000,000} in net profit XXXX. Deplorable. 

XXXX XXXX despite extensive phone conversations with fraud department, they allowed me to become classified as delinquent payee and charged interest on fraudulent transactions. Caused my score to drop from XXXX to XXXX. I demonstrated effort, willingness, and track record to pay. 
( 2 lines of credit ) ( In bill image -3 instances of {$3.00} on XXXX XXXX  are not fraud, card had been incorrectly saved to XXXX account when it became compromised, but did make those 3 XXXX  XXXX ) XXXX XXXX XXXX XXXX- same situation as XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shut off internet to my home with no warning. Because of router that needed to be replaced due to malware. Router caused compromised devices immediately after replacement of devices ( laptop/phones ). 
Upon further research into their history of data breeches, I have suspicion of link between my XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) and cause of identity theft. 
Demanding payment for malicious hardware. 
Also currently not providing a service I paid for. 

i reported to all 3 bureaus, fbi twice, ftc, uspis, irs, ca franchise tax board, ca insurance commissioner, all banks and card issuers. 

The last image got pushed to my phone during an XXXX update, it shows a person seemingly playing a game where i'm an avatar. I'm being filmed through what appears to be a hacked webcam. Its sick and disturbing, no one has answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
On XX/XX/year> I received a letter from XXXX XXXX - XXXX or was known as XXXX XXXX XXXX XXXXXXXX with a bill and there was a charge on the there that was for {$2000.00} a balance forward with no explanation as to what this was for. I then called them the day after I received this to find out what this was for my rent was always paid on time and never past the grace period of being late. I was on a month to month basis I was not on a lease and I tried to let them know that I was moving out XXXX XXXX and they did not provide me a bill or what I owed. I notified them the XXXX of XXXX that I was moving out and I talked to them throughout the month of XXXX several times and they were fully aware that I was leaving and never gave me a bill. They are trying to charge me for a balance forward that i was never aware of. They are under an investigation for numerous complaints and are involved in fraudulent activity and they tried to get me to forge signatures and dates that I was not about to do. They broke their lease and maintenance was breaking into my apartment unannounced on many occasions and them trying to get me to sign things that I didn't want to sign and breaking their agreements lead to me moving out and I did give them notice and they didn't provide with with a bill of what I owed. It wasn't until XXXX that i got this mysterious bill and they had no explanation and they said " i dont know what this is for ''. They would not fix anything that was broke due to them renovating and they didn't care. They had construction workers harassing tenets and then they damaged my car with their roof renovations and the XXXX XXXX did nothing to make it right. They tried to tow my car even though it was fully registered and insured, it was unsafe, there was a fire, there was XXXX, a XXXX, and they threw out some of my belongings that were outside my door. 
There were threats of eviction for not having recertification paperwork every year and then realized there was a mistake. Everything they did there was shady. There are several investigations with the XXXX XXXX XXXXXXXX which is now known as XXXX XXXX -- XXXX Not only did I try to contact them directly, and also the housing authority I also tried to take them to small claims court and the court told me that due to no money lose to me personally i cant take them to court. This is a false bill so they wouldn't help me either. 
I got a paper that I will include that I received and called about with a total balance of {$2800.00}. then got the collection letter for a different amount of {$2600.00} what!! NO proof of debt and no explanations.

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 2024-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request information about my credit report in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ). Please provide the following details related to my credit report : * A complete and accurate disclosure of all information in my credit file. * The sources of the information in my credit report. * The names and addresses of any third parties who have received a copy of my credit report within the past six months ( or two years for employment purposes ). I am exercising my rights under Section 609 of the FCRA, and I understand that you are obligated to furnish this information within 30 days of receiving my request. Enclosed is a copy of my identification for verification purposes. I kindly request that you provide me with copies of the documents currently in your possession, as of today 's date, that were used to verify the accuracy of the accounts listed below. As per the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to request the disclosure of all documents recorded and retained in your files concerning these accounts at the time of this request. I urge you not to simply confirm the verification of these accounts but, in accordance with my rights under the mentioned act, to furnish me with the actual documents used for verification. If, upon review, you find a lack of documentation in your files to validate the accuracy of these disputed accounts, I insist that you promptly delete them as mandated by Section 611 ( a ) ( 5 ) ( A ) ( i ). The inclusion of these inaccurate and unverified items on my credit report, distributed to third parties, has the potential to damage my reputation and creditworthiness. According to FCRA 15 U.S.C. 1681i, all unverified accounts must be expeditiously removed. Therefore, if you are unable to provide verifiable proof for each of the accounts listed below within 30 days of receiving this letter, I request the immediate removal of the account from my credit report. 

XXXX XXXX XXXX Account : XXXX I appreciate your prompt attention to this matter and your cooperation in providing the necessary documentation within the stipulated timeframe. Your assistance is crucial in resolving these discrepancies and ensuring the accuracy of 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 2024-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I did Credit Card Collections for XXXX for Four years, Credit Card collections, XXXX XXXX : We had to Observe FDCPA guidelines RELIGIOUSLY with regards to Any and ALL repeat Calls to the Debtor : Anytime a call was made AFTER Already having discussed the account with a Debtor we Had to Remove the Phone number from the Dialer for SEVEN DAYS. 
If we Ignored the Calling Guidelines we were Terminated. Management Enforced these Guidelines as Federal and Applicable. My Creditor is Capital One I am Now told that these Guidelines Do Not Apply to Banks Collecting on their own debt, which is Exactly what we did for XXXX. 
I have Had Eight Calls since XX/XX/XXXX from Capital One I ALWAYS answer every call, and Discuss Both Accounts in Detail, including why I am Delinquent.- According to the FDCPA online website once contact and account discussion have taken place then the Calls are suspended for 3-7 Days. 
These Calls are being conducted by individuals who are XXXX, and sometimes the communication is difficult because of the English Language. Just because someone " Speaks '' English it Doesn't mean that They Understand English. They don't access Notes, or acknowledge previous conversations. I am Also Getting Hang Up Calls from these Two Numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. XXXX and TRANSUNION are third party companies.

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 2024-04-07 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: GA

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. XXXX and XXXX are third party companies.

Company response to consumer: Closed with explanation