vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX Affirm Inc flagged my credit report as being 30 days past due. On XXXX XXXX XXXX  I contacted XXXX to dispute the inaccurate reporting by Affirm. I provided all documents to XXXX to validate that my account was inaccurately flag. 


Dispute Details : Account with Affirm was opened on XX/XX/XXXX with payments due on the XXXX of each month. On XX/XX/XXXX my monthly payment was made with the next payment and the next scheduled payment due on XX/XX/XXXX. However, I made the final loan payoff made on XX/XX/XXXX. This XX/XX/XXXX layoff was only 9 Days past due of my XX/XX/XXXX due date. This was not 30 days past due. 

On XX/XX/XXXX I received an alert from XXXX regarding the results of the dispute. The dispute read that there is no change to my credit file stating that Affirm reported the 30 days past due as accurate information. This was upsetting to say the least considering how hard I work on keeping my credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I recently pulled my credit report and noticed that a loan was there in my name for an Exeter Finance Company for {$3800.00} which I have never had after contacting the credit bureaus they gave me information on who was reporting this. I disputed the information and gave them my information and was asked for an FTC report for Identity theft which I filed on XXXX then I was asked for a Police report I sent it via certified mail and via email that report number XXXX they called me on XXXX telling me I was responsible for this debt per their investigation. they sent me copy of a contract with an address I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The response you sent is not sufficient for evidence that a clear and conspicuous disclosure was given to the consumer about reporting to third party CRA 's. According to 15 USC 6802 ( b ) you are required to provide a clear and conspicuous disclosure to the consumer of your intention to share private information with a third party. In addition to this an option for the consumer to opt-out must be provided. Based on the documentation you have provided, neither of these things was provided. In addition to this you have not provided a wet signature contract signed by the consumer. Please review the letter submitted again because what was asked for was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
Summary : In XXXX of XXXX I became aware that XXXX XXXX had placed a debt on my credit report ( all 3 agencies ) for a debt collection from XXXX XXXX in XXXX, NY. I disputed this collection in XXXX of XXXX. I also filed a policy report with XXXX XXXX and their phone number is ( XXXX ) XXXX. I also filed with CFPB. This debt was found not to be mine and was removed from my credit report. 

In XXXX of XXXX, I noticed a 'new ' collection for the same debt through a different debt collector via a notification from XXXX. The collection was from EOS CCA  XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX. I had received no written or verbal communication from them. I have contacted the 'collector ' and explained the circumstances and have sent written letter and same documentation as provided in XX/XX/XXXX to XXXX XXXX 

It would appear as though this same debt/collection was 'resold ' to a new debt collector even though XXXX XXXX and XXXX XXXX knew this was fraud/identity theft. I am requesting this immediately be removed from my credit. The only place this debit is currently reported is to XXXX and it was disputed as fraud in XXXX of XXXX. 

Contacts : XXXX- Collection agency placing XXXX XXXX debt credit file, disputed and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - Noticed this collection on XXXX credit report and disputed it. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
someone stole my information and opened a credit card and got cable or internet in my name

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
someone stole my information and opened a credit card and got cable or internet in my name

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
After reviewing my credit report and doing some research l 've noticed that as a consumer my rights are violated by your company. Please take the time out and fix these issues.

In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

In accordance with the written instructions of the consumer to whom it relates.

Violation number # 2 FCRA 15 US Code 1681a ( 2 ) ( B ) Violation number # 3 FCRA 15 US CODE 1681e ( b ) Violation number # 4 FCRA 15 US CODE 1681a ( 2 ) ( A ) ( i ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA XXXX XXXX COMPLIANCE regulations. This letter will ALSO be sent to CFPB, FTC, XXXX PLEASE REPLY IN A TIMELY MANNER WITHIN 30 DAYS THANKS. Also a past due balance is reporting how can it be in collections reporting a past due amount inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My original complaint which photo will be attached i was told by the Board of governors of the federal reserve to submit my complaint here. I am writing in concern to an assessment due on CFO XXXX XXXX of AMERICAN EXPRESS COMPANY XXXX XXXX XXXX, XXXX XXXX XXXXXXXX for breach of fiduciary obligations. I have written the CFO three times in relation to adverse action on my credit card account and he has consistently ignored my letters. I would like for review and for resolution.This egregious error by CFO XXXX XXXX has held me from performance of the contract in which I have a secured interest. I would like for him to properly do his job so I can do mine. If I am unable to get resolution in 10 business days I will take action to court for breach of contract. Attached will be a photocopies of the documents sent mail with tracking numbers & signature as proof of delivery to his office. Some photos reference previous letters tracking number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc.
State: TN

Complaint narrative:
This company calls my phone number at least 10 times per day, including multiple text messages looking for another individual that I am not related to, familiar with, etc., and although I have told them various times to remove my phone number from their file and to never call or text again : they continue to do so. I have been telling them for the last two months that they have the wrong number : but the calls, texts, and harassment continues all times of the day and night, including weekends! The texts state their number is XXXX and the number of the company is First National Collection Bureau , Inc . They call from multiple numbers, as well as text from various phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
My dispute is with IQ data international ( collections company ). 
legit and original account starting with a debt of {$4900.00} from an apartment rent debt. 
this account was included in a program to consolidate debt with a company called XXXX XXXX XXXX, and payments started going to this account regularly. 
During a period of 6 years, a total amount to this date, XX/XX/XXXX  has been of exactly {$5300.00} made on monthly payments, so I am considering this account paid in full. 
We were trying to get in contact with this company for the last 3 months and no response has been made from them on what the balance of the account is, or if it has been paid already. 
we understand that some interests or surcharges are added to accounts like this, but at least we would like to know what our status is. 
please keep in mind that we have received in the past, proposals to pay in full the balance at 40 % or 50 % minus, if balance is paid in full. we never took advantage of this offers due to lack of founds. 
as of today XX/XX/XXXX  I have put a stop on the payments thru XXXX XXXX XXXXXXXX, until this situation clears. 
we appreciate the help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the fair credit reporting act these creditors or creditor has violated my rights under. The following creditors have not provided adequate validation and has violated my rights under FCRA 15 U.S.C 1681a sec 603, 15 U.S.C 1681 sec 602a and 15 U.S.C 1681 sec 604a sec 2, remove account immediately. 

Informative Search ; Date : XX/XX/XXXX Informative Search ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX XXXX  ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts 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 non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
On XX/XX/, I received a letter from Ideal Collection Services ( Ideal ) alleging that I owed {$710.00} to XXXX XXXX Apartments ( XXXX XXXX ), which I had moved out of nearly a year prior. 

On XX/XX/XXXX I sent a letter to Ideal disputing their claim and advising them that XXXX XXXX had failed to comply with Florida Statute 83.49 ( 3 ) when they did not send notice to me of their intention to impose a claim for damages against my security deposit within thirty days of the end of my tenancy. Per Florida Statute 83.49 ( 3 ) ( a ), their failure to comply with said requirement precludes them from pursuing a claim for damages unless they first return the full security deposit to me. To date, neither Ideal nor XXXX XXXX  has returned my security deposit to me, despite being informed of my new address upon the end of my tenancy and having set up mail forwarding with the United States Postal Service. 

On XX/XX/XXXX, I received a letter from XXXX XXXX, Manager for Ideal Collection Services. XXXX XXXX letter included documents and pictures, but at no point did she address her clients failure to comply with the Florida Statute. XXXX XXXX letter went on to state that if I did not begin making partial payments by XX/XX/XXXX, she would forward my account to the national credit bureaus. 

While I have engaged in good faith dealing with both XXXX XXXX and Ideal, I am not receiving the same treatment in return. XXXX XXXX XX/XX/XXXX letter appears to be a clear attempt at coercing me into paying a claim that they do not have the legal right to collect under threat of damage to my creditworthiness. 

My preferred solution is for Ideal and XXXX XXXX to drop their claim against me and allow an amicable end to our business relationship. However, if XXXX XXXX/Ideal wish to pursue their claim against me, I demand that they return my {$250.00} security deposit before doing so, as required by Florida Statute .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company has sued me in Court in XXXX without ever notifying me of an attempt to collect, for a debt that is not mine. The first I was made aware was when I was served at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Credit card was used a long time ago and they want me to pay and i am not cause someone use my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc.
State: SC

Complaint narrative:
I received a addendum to retail contract from AMER ASSIST in which I never saw nor sign stating that I owe a debt. Again never did I give XXXX XXXX XXXX XXXX XXXX permission to share nor sell my personal information. These company have stolen my identity and made fraudulent contract. AMER ASSIST has made false report to the credit reporting agency, and now they are reporting false and inaccurate information on my report. I had to file identity theft report in which I have attached for the record. I have also attached a copy of the contact that I received from AMER ASSIST. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX th I contacted the merchant to dispute the validity of this debt because I wouldnt ever use a company like XXXX XXXX and the fact that its XXXX that means this card is designed for poor people I have outstanding cards and credit I never missed a payment in my life since coming to XXXX XXXX XXXX I XXXX this company and tried to let them know this debt doesnt belong to me they refused to treat it as a fraud case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
On XX/XX/XXXX  I contacted Contract Callers Inc, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX to inform them Ive been a victim of identity theft and the account they are reporting on my credit file is a direct result of that identity theft. I have sent Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX a police report I filed with XXXX Police Department and communication made with the Federal Trade Commission about the identity theft. Contract Callers Inc has not contacted me or removed the account from my credit file. I believe this company is violating my consumer rights and I will seek legal representation if this matter isnt resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Dear XXXX, We noticed your recent deposits at Flagstar Bank included business as well as personal checks. We regret that we are not able to accept business checks for deposit in a non-business account. The Flagstar Bank Operations team has recommend closing the XXXX XXXX XXXX Checking accounts used for business purpose/rent deposits. Opening XXXX XXXX accounts to replace the XXXX XXXX accounts is not recommended. 



Flagstar Bank does offer business banking services to manage rent payments, and I would be happy to discuss the options available. Please review the attached ACH Service flyer and let me know your availability to discuss adding this service to your current business accounts. 



Sincerely, XXXX XXXX XXXX XXXX : she, her, hers Branch Manager, Flagstar Bank Certified Lender NMLS # XXXX Registered Representative XXXX XXXX XXXX XXXX at Flagstar Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After 15 years they are doing this. It is a hardship to me and all XXXX XXXX  Not only financially but time wise At XXXX XXXX XXXX I should not have to do this

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and I have accounts on my profile that are hurting my credit profile. I am requesting physical verification of these accounts. I am requesting physical verification of the original signed consumer contract. 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verfiy through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fradulent account. 

I demand that the following accounts be verified or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation