vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports are reporting the incorrect employer. I received an alert on XXXX/17 that I work for " XXXX XXXX '' and that is not accurate. My employer has already been reported and the correct name is 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 2017-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I made a purchase using my debt card through the internet with a XXXX Supplier, The product I received was defective and broken. I tried to contact the XXXX supplier but the dispute form was blocked and was unable to directly file a dispute report, I have since filed with many government agencies and have required the bank to hold funds or reverse payment. I have not received a credit from the bank and when I call they tell me the dispute is in-process, mean time I still have n't received any credit and I am also out of an interest, seems all parties involved are stalling or delaying payment and are n't planning to pay interest. When I received my debt card I was told it cover fraud and misrepresentation of services / product. 


Contacted : US Bank Amount {$26.00} plus interest ( 19.99 % APR ) transaction date : XX/XX/2017

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 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
This debt of roughly {$680.00} should not have gone to collections, but was created and sent over to a different company originally several months ago due to a mistake made by XXXX XXXX XXXX. This debt is supposedly for a past due balance and non-returned equipment. At the time i was told that if all equipment was returned, the amount due for the equipment AND the past due balance would be closed out, this however was not done. I have told Diversified consultants of this and informed them i have proof that all equipment was returned yet they still contact me daily about this debt. Even after speaking to a " floor manager '' and setting up a plan to pay off my debt, they are still calling me multiple times. As well, I have never received ANY mail regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: NV

Complaint narrative:
XXXX XXXX XXXX was initially on my credit as a public record for an apartment somewhere in South Carolina starting in XXXX. I was in the XXXX XXXX from XXXX to XXXX in XXXX XXXX, NY. I disputed the transaction multiple times, and finally it was deleted from my credit in XXXX for a couple of months. It came back and this time it was n't under public records, but under collections. I 've written to the company requesting information to prove it was me, but I never received a reply with supporting documents. I have documents and discharge papers proving it was I was stationed in New York, and I still have n't seen any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through transunion, XXXX, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. Transunion, XXXX, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.

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 2017-09-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through XXXX, Equifax, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. XXXX, Equifax, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax requires the following items to get a credit report and it discriminates against the elderly and retirees. 
Identity Requirements Social Security card Pay stub with Social Security Number XXXX form Address Requirements Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) I am retired and do not work and do not drive. I do not own a home or property or pay rent and can not meet the address requirements. I have banking accounts that I receive at the address I reside at.
I can not obtain a free credit report from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCOL SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I mailed a packet of information to Experian, regarding numerous inquiries on my credit report with their agency. After two weeks had passed with no results, I contacted Experian by telephone on XX/XX/XXXX and again on XX/XX/XXXX. I was told by a representative that " Just because a company ca n't verify permissible purpose does n't mean that [ they ] have to remove the inquiries. '' I disagree. Any inaccurate information that can not be verified must be corrected or removed. Inquiries are not exempt from the FCRA. I have written to the company again, as the agent I spoke to ( I wo n't call him a customer service representative, because it is clear that we are n't customers, but commodities ) refused to allow me to speak to a supervisor, to give them an opportunity to resolve this matter, but after speaking to the agent yesterday and being told that removing inquiries is against the law - which is blatantly false - I am painfully aware that Experian is not going to do anything to resolve this issue. I only hope that the CFPB will make the XXXX finally have some teeth, and no settle for a standard form letter, cookie-cutter reply from this CRA. 

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 2017-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back in XX/XX/XXXX or XX/XX/XXXX, I contact XXXX XXXX per a late payment reporting on account. I was confused because I knew I had auto draft on my account so there was no way for me to have a late payment status. I called the company and at first two agency could not find the late payment status. After research it was discover that because I have two accounts with the company ( store credit card and a mastercard ), one account was not on auto draft. I was very upset at this point because I was in the middle of closing on a new home. My loan officer told me not to pay off the card balance due to me being in the process of closing on the home. Once I received this remark and spoke with a supervisor I told them that it had to be a big mistake and I was willing to make the payment in full so I can have this removed from my account. The supervisor stated okay, no problem fax over a dispute letter, notes will be in the system and I should be fine. Being told to write this dispute letter for removal of the negative remark, I told the supervisor okay as long as the remark will be removed. The payment was made and I faxed over the dispute letter with detailed information. I receive an alert from XXXX XXXX that the account was removed and than place back on my credit report. After about 5 days the credit report was updated to the status of paid in full but the negative remark was not removed. My loan officer stated because of this action I was not able to close on my home. This was embrassing, hurtful, and I gave up on trying to get a new home. At this time I am trying to get a new home because my current home has been affected by hurricane harvey and I need to move. I am asking anyone to help me have this negative remark removed from my account if possible. I hate that I had to file a complaint but I do n't have a clue on any other way to get XXXX XXXX attention. My account is still open and I have not used it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Portage Financial Services Company Inc.
State: OH

Complaint narrative:
The final payment was made on XXXX/XXXX/XXXX for a car that was financed thru XXXX XXXX XXXX. I received confirmation from the automated system that the XXXX payment was accepted. I received not only the confirmation from the automated system, a passtime code was also sent to the vehicle, confirming that XXXX received the final payment. I contacted the company a few days after making my payment to inquire about the release of the title. I was told by the XXXX XXXX XXXX that the she would contact me once the title was at the dealer. On XXXX, I received a call from XXXX XXXX stating that the payment was returned from my bank for nonsufficient funds. I knew this was untrue so I requested a copy of the written statement from the receiving bank detailing why the payment was returned. I have yet to receive the information. I 've been provided with information coming directly from the XXXX system showing they returned the payment but will not provide details as to why. I also know that the funds cleared the bank because the confirmation number was provided. If the payment was not successful, I need to understand why the automated payment system used by XXXX is sending false confirmations of payments to its consumers. XXXX XXXX is forcing me to repay the debt and refuses to honor the terms of the note. The vehicle was XXXX while I was at work. I was unable to travel in my property to my destinations including picking up my family from their daily routines. I would like XXXX XXXX to honor the contractual obligation and release my property or provide me the written statement from the receiving bank detailing why the payment was returned. I have yet to hear from my bank regarding any discrepancies. XXXX is rude and very disrespectful. I had to start recording the conversation with her to get her to act accordingly. I am being forced to pay another {$1000.00} to satisfy XXXX since she did n't accept the payment. XXXX XXXX is acting in dishonor and bad faith by refusing to honor the contract and release my property. This is theft ad coercion. Please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries below should be removed from credit report. did not authorize. 

Account name XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX  Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of requesXXXX XXXX + Options Show more Account name XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request 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 2017-09-22 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: CCB Credit Serivces, Inc
State: CA

Complaint narrative:
I am seeing numerous credit inquiries on my credit report. Unauthorized by me due to the fact I have been XXXX. I have XXXX that I am constantly in and out XXXX At one point I had my purse stolen from hospital It contained Drivers license social security card bank card and my check book. 
I am looking at my XXXX XXXX report and I see many credit request and I did not make them. I how ever was contacted by XXXX XXXX XXXX telling me I owed money but I did not I cleared that out with them they told me to check my credit report due to unexplained fraud activity I do not recognize inquiries below DatesXX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Concerning signing up for ID Protection with Equifax. First they told me I could n't sign up until X/XX/2017. Then when I tried to sign up instead of being enrolled at that time they said I would receive an email in a few days with a web link where I would be able to finish my enrollment in ID Protection with their company ( XXXX XXXX ). It is now 11 days later and I still have not received that email with the web link. Can you help me with this problem. Somehow I do n't think I 'm the only one with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am seeing numerous credit inquiries on my credit report. Unauthorized by me due to the fact I have been hospitalized. I have illness that I am constantly in and out hospital At XXXX point I had my purse stolen from hospital It contained Drivers license social security card bank card and my check book. 
I am looking at my credit karma report and I see many credit request and I did not make them. I how ever was contacted by XXXX XXXX XXXX telling me I owed money but I did not I cleared that out with them they told me to check my credit report due to unexplained fraud activity I do not recognize inquiries below Dates XXXX/XXXX/XXXX. XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX / XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SIMM Associates, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX has called numerous times and has been extremely hostile when we have been on the phone. I do n't know what debt they are trying to collect, and since I do n't have any outstanding debts I am concerned this may be a scam, so I refuse to give them any personal information over the phone. On XX/XX/XXXX I had a phone conversation with XXXX XXXX ( representative of the company ) where she became extremely aggressive and threatened to contact all my family members after I told her I did n't want to receive any more phone calls from her or her company. On XX/XX/XXXX I sent them a letter requesting validation of the debt. They received that letter on XX/XX/XXXX according to the USPS certified mail tracking. As of this date,XX/XX/XXXX they still have not sent me any response to my request for validation, yet they continue to call me repeatedly. On XX/XX/XXXX XXXX XXXX called again, so I informed her that they could not be contacting me because they had not validated the debt. She became extremely hostile and began yelling, made some claims that they had validated the debt and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have recently discovered what credit is and what it does for your life. Unfortunately, I do n't have good credit bc someone has run up utility bills, medical bills, and apartment collection. Someone had broken into my car a few years back and stole passport and wallet. When I call these places, i get treated like a criminal and just said forget it. I ' assuming this is associated with my information being leaked for all of XXXX area to see. I 've since calmed down. I desperately need to update and clear off what is not mine and began a new life after my divorce. The police really could n't help nor did they care to but I got some valuable information about the process with the federal trade commission. I intend to see this through until the bitter end. 

National Credit Systems is reporting a debt that is not mine, and I 've made several attempts to get this handheld to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I was a victim of identity theft. On or around XXXX XXXX. Someone used my identity to purchase 2 Iphones and a XXXX account. The address they used was XXXX XXXX XXXX, XXXX XXXX MN XXXX. This address is now appearing on my credit reports. I testify that I have never lived at this address and want it removed. Police reports have been filed. I have also begun the process of disputing the claim with XXXX. A Fraud hold has been placed on my credit reports with all major credit reporting companies. I was also a victim of the Equifax breach.

Company response to consumer: Closed with explanation