vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 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: GA

Complaint narrative:
Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: GA

Complaint narrative:
Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely 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 explanation
Consumer complaint received 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-18 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: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
In XX/XX/XXXX, LAW OFFICES OF LES ZIEVE ( " ZIEVE '' ) involving a debt of property, ZIEVE failed to properly state it 's position/title in the transaction. Require ZIEVE to answer the following questions : In XX/XX/XXXX and XX/XX/XXXX, ZIEVE contacted me alleging a debt was owed.

1 ) Question : Was ZIEVE representing itself as a debt collector? If not state it 's specific title it represented.

2 ) Was the property ZIEVE was attempting to collect a ) Movable Property b ) Immovable Property 3 ) Is ZIEVE the principal party involved?

4 ) Is ZIEVE the agent of a debt collection agency?

5 ) What type of debt/loan was involved? a ) Conventional loan for real estate b ) Consumer Credit Loan such as a home equity line of credit account ( please state the loan transaction ).

6 ) Did ZIEVE record it 's documents of a substitution of trustee in the County Recorder 's Office, Book and Page indicating the transaction was related to real estate of immovable property?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: FL

Complaint narrative:
I am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section. 

Sincerely 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 explanation
Consumer complaint received 2017-12-18 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: FL

Complaint narrative:
I am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section. 

Sincerely 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 explanation
Consumer complaint received 2017-12-18 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: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-18 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Unknown inquiry on my credit reports from Ally Bank XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or any account by this organization! Nor do I know who they are. Also, I have a identity theft report filed with my local police department.

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 2017-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC
State: OH

Complaint narrative:
an unknown person open a credit card with XXXX XXXX XXXX, they sold off the debt when they were unable to verify the person who opened the account. Since that time XXXX XXXX XXXX, XXXX aka Lyons, Doughty & Veldhuis P.C. has garnished by wages and I finally got a release but not all my monies have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX did a hard inquiry without my consent. I do n't know who this company is and I have never heard of them. I contacted them and spoke to a foreigner or repeatedly asked for my personal information without finding me in their system. I disconnected the call due to repeated occurrences of asking for my personal information. I have dropped a number on my credit score. I have paid off one bill so far and know it takes awhile to show up. The main issue is this hard inquiry.

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 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
During the month of XX/XX/XXXX I received a phone call from XXXX XXXX stating that there was suspicious activity on my account. Sure enough when I looked into the issue my entire bank account was depleted. Someone had accessed my card number and withdrew maximum amount of money at various ATMs in XXXX, RI. After I made a complaint with a XXXX XXXX, they denied me the money and said that those were not their issue. Due to the fact that the money had been taken out if XXXX bank ATMs they would not refund me anything. They told me to claim a second case which the same thing happened. After I filed a police report with the XXXX Police, and it was proven that the withdrawals were fraudulent, the bank still refused to give me my money back. It has now been over 7 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit systems sent me my first proof of debt on XX/XX/XXXX, I made payment on XX/XX/XXXX and sent proof of payment, they added it to my credit report on XX/XX/XXXX. The representatives name was XXXX XXXX. XXXX wanted me to submit my payment directly through her so she could receive the credit but her hours did not align with my work hours so I made payment online. After I completed my payment online XXXX XXXX was upset and as a form of retaliation she began harassing my family and myself and ultimately falsely reported this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: Credit Plus Inc
State: CA

Complaint narrative:
Unknown inquiry on my credit reports from Credit Plus XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or my credit be ran, nor any account by this organization! Also, do I know who they are! I also have a identity theft report filed with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my FINAL attempt at resolving a serious and financially damaging issues my credit information and scores reported on my FICO 8 and others, with Experian. 
I have tried repeatedly, both with Experian directly over the phone and through faxes and emails, and have had my concerns VALIDATED numerous times and the promise to fix it with Experian employee 's but NOTHING has been done to assist me. 
I have complained to CFPB as well and that has gone unaddressed except for a lame excuse received by Experian and my next attempt at resolving my situation will be with an attorney and a lawsuit. 
I have had to put my house buying plans on indefinite hold until this gets resolved. Any losses I suffer as a result of this gross negligence on Experians part, will be addressed. 
Basically, my credit scores have tanked due to the failure of Experian to show and report FACTUAL information and all that is contained on my credit report. Credit utilization accounts for 30 % of someone 's score and mine is reported as an astounding 93 % despite having, on just the XXXX XXXX credit card alone, a credit line of {$7500.00} that only has a {$500.00} balance on it. That account is purposely being left out of the equation. Also, they are the ONLY credit bureau that is reporting 2 or 3 late payments ( depends on which time and report ) and the ONLY credit bureau still reporting 12 inquiries due to my not authorizing them except for XXXX XXXX and XXXX. 
Experian is in clear violation of the FCRA and I intend to pursue my rights legally unless these issues are addressed IMMEDIATELY since this has been an issue for MONTHS and even after the promise for resolution by Experian I am being ignored.

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 2017-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: OH

Complaint narrative:
There was an amount showing up as unpaid that the company agreed was paid last year and per our agreed upon monthly amounts. They could not see why / how it got reported as an issue and were contacting the Bureau immediately for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XXXX XXXX, I mailed two checks to XXXX XXXX XXXX to pay off my loan. One check was from my personal checking account and another check was from my credit union which loaned me the money to pay this loan off. On XXXX XXXX, my payment was due and they had not posted my payments sent via the mail so I made my monthly payment. On XXXX XXXX, my personal check cleared the bank but was not posted on my account and showing on the website. I started calling in late XXXX since they now have {$120.00} extra dollars along with the payoff. They claimed they could not find my checks. They created a case ticket - XXXX. They claimed then that it may take 10 days to locate the checks. They needed to research. I have called numerous times since then and they give me a different total on the days it takes to find my checks which they have already deposited on XXXX XXXX. On XXXX XXXX, I got a copy of both checks front and back showing they had deposited and faxed to XXXX with my case number. I called last week and they have found the checks but it can take 45 days to post these to my account. Another payment is due on this account and interest is piling up. I need someone 's help - they are not posting my checks and giving me my extra {$120.00} back. I do not plan to send them another payment. They acknowledge they have my checks but refuse to post them on my account. I tried to call their complaint line and it sends you to another division and they do not even have my records. Thank you for anything you can do to help.

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 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have made multiple complaints to Experian stating I was disputing a Bankruptcy on my record. I provided a letter that I received from the U.S. Bankruptcy Court stating that they do not verify information with credit bureaus. I have also included a letter from the same public record vendor that Experian said they used in the response to XXXX. Once again, this proves that Experian has failed to follow the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ),  you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ). My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or  verified these public record entries on my credit report, neither will they ever be by them. I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.

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 2017-12-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX, filed CFPB complaint number XXXX. The complaint involved Bank of America not responding to a Qualified Written Request for loan documents related a HELOC we have with Bank of America. XXXX XXXXnformation : Lendees : XXXX XXXX and XXXX XXXX Lender : Bank of America Loan Number : XXXX As a result of the complaint Bank of America provided the signed documents. However, Bank of America claims that {$160000.00} is the maximum amount that was available for borrowing on the HELOC and that my wife and I owe approximately {$160000.00} of that amount. The signed documents only indicate an amount of {$130000.00} as the maximum that can be borrowed against the equity of the home we own. They have not provided any signed documents that the maximum amount of the HELOC is {$160000.00}.

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