vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BTH Management
State: CA

Complaint narrative:
I took a loan from XXXX at the end of XX/XX/2017, made the first repayment back to them, then had a financial hardship and wasn't able to continue my automatic payments. 
I moved around this time and submitted mail forwarding with the US post office. I have received no correspondence from them, including statements. Starting in XX/XX/XXXX of this year I was contacted by my estranged mother who I havent spoken with in years stating that she was contacted and advised by the representative that a " legal complaint had been filed against me by someone at my address ( proceeded to provide her with my address ) ''. I then received a voicemail from someone from " XXXX XXXX '' stating the same thing and that if I didnt call them back to " tell them my side of the story of the events that ocurred '' that they would " report my actions as intentional '' and take necessary action. I called them back and was supposedly transferred to a legal department where I was told I had 5 days to make an arrangement with them or they were going to take legal action and I would have to pay for their legal fees and additional penalties. They then contacted my father and told him this same story and I have reason to believe they have contacted other people associated with me. They are ruining my reputation and leading people to believe that I am in legal trouble. I am a single mother in XXXX XXXX and this can cause me to lose my job if they get in contact with my employer regardless if their claim is true or not. I pulled up my credit report and they were not on there other than as an inquiry. I tried to reach out to the 2 contact numbers on there for moneylion. One of them was a fax and the other was a recording that's intention was to lead me to believe that my phone service had been interrupted. I need them to stop these threats and fear tactics, harrassment and ruining of my reputation. The number on which I was contacted on by " XXXX XXXX '' who left the voicemail with the accusation and threat was XXXX XXXX XXXX. That is also the number I called back and talked to the representative. When calling the number today it goes straight to voicemail and says it's the direct personal line of " XXXX XXXX ''. Please help. Thank you. 
*Update * I just went through old emails and found that the account was sold to Plaza Services LLC in XXXX Georgia XXXX XXXX XXXX **Also note, I put my address as the one that  they have for me, where I was when I opened the account and where they alleged the complaint was filed. I am not including my current address as I am afraid of what the company will do to me and the relationships affiliated with those and my current address should they get it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My dob XX/XX/XXXX, not XX/XX/XXXX My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-06 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I recently got a copy of my Credit Report and noticed that in XX/XX/2018 Toyota marked me as being late. Toyota also somehow took me off of autopay without even notifying me. They also didn't notify me prior to inserting this information that gives no regard for accuracy. I am requesting that Toyota not  contact me by telephone and communicate by USPS mail only. I am also represented. I have attached to this complaint a copy of the inaccurate Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: RI

Complaint narrative:
I checked my credit report before I go and apply for a secured credit card and i notice some accounts and inquiries on my reports that aren't mine. 
XXXX  shows 1 ) XXXX XXXX  opened in XX/XX/XXXX for {$900.00} 2 ) XXXX XXXX XXXX  opened in XX/XX/XXXX for {$300.00} 3 ) collections from XXXX  XXXX/ XXXX  XXXX inquiries on XXXX  1 ) XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX  XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX Transunions shows 1 ) XXXX XXXX  {$900.00} 2 ) XXXX XXXX XXXX {$300.00} collections 1 ) XXXX XXXX/ XXXX XXXX  {$590.00} 2 ) XXXX XXXX XXXX XXXX  {$700.00} inquiries XXXX  XX/XX/XXXX and XX/XX/XXXX XX/XX/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 2019-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My loans were in school status and had no problems with credit reporting when service updated my credit report as being 180 days pass due which caused a severe drop in my credit score upon correcting this my credit score went up a little bit but not nearly as high as it was prior.

I contacted them and was assured that the credit reporting error would be fixed. While they did fix the issue the score didnt go all the way back up and they did not update their system and nine days later I got a bill says I owed {$880.00} and that my loan was going to go into default. 

This is a huge problem for me because I have requested consolidation of my perkins loans in with my other loans and this could halt the process for me, which will cause further harm. 

Additional I feel that the school is playing games because I have an open lawsuit pending against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have saved the screenshots to show this is happening. I installed the XXXX XXXX XXXX XXXX because Capital One is relentlessly calling my cell phone. 

When I say relentless- I mean Ive received 42 calls in the last two hours. 

The number is XXXX. 

The worst part is that Ive already explained to them that I didnt miss a payment, it was incorrectly attributed to my account. I pay my balance every month and have had cards with them for 16 years. This will be the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XX/XX/XXXXXX/XX/XXXX, Experian, XX/XX/XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-06 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX XXXX Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-06 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: TN

Complaint narrative:
My dob XX/XX/XXXX, not XXXX My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address

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 2019-06-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My dob XXXX, not XXXX  My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address

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 2019-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
I have been trying for about a year to get credit for the last 5 years of payments toward Public loan forgiveness program. i have been a XXXX at a XXXX  high school for the last XXXX years. The prior service providers have also had a hand in denying my right to use the Public Forgiveness Program. It started with lies from XXXX XXXX that I did not qualify and could not qualify for the forgiveness program. XXXX XXXX was the next great hurdle ; as they refused to speak to me about the forgiveness program. I was forced to hire a company for {$600.00} dollars to get the paperwork to move into the forgiveness program. It was amazing how XXXX XXXX drug their feet and stop speaking to me and my wife after hiring this company. 

Even after complaining to the Attorney general for the State of XXXX I have only been given credit for 2o months. 

I am willing to provide the full email train of emails with the XXXX Attorney General 's office, if you want the emails. i have several documents that i intend to attach to this complaint. i have not asked for any deferments during the last XXXX years - I have made a payment each and every month as shown by FedLoan 's own records. 

I have presented Fed Loan with Public Service Forgiveness Employment Certification for all employers from XXXX to XXXXt. They have my SSN on them so i do not wish to present them as attachments to this complaint at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I recently checked my Credit Report and noticed Fidelity Creditor Serv. listed on my report. I do not have any prior business relationships with this company. Please communicate by usps mail only no phone calls. I am requesting that this be deleted from my Credit Report right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: RI

Complaint narrative:
I checked my credit report before I go and apply for a secured credit card and i notice some accounts and inquiries on my reports that aren't mine. 
XXXX shows 1 ) XXXX XXXX  opened in XX/XX/XXXX for {$900.00} 2 ) XXXX XXXX XXXX  opened in XX/XX/XXXX for {$300.00} 3 ) collections from XXXX XXXXXXXX XXXX XXXX  inquiries on XXXX 1 ) XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX Transunions shows 1 ) XXXX XXXX  {$900.00} 2 ) XXXX XXXX  XXXX  {$300.00} collections 1 ) XXXX  XXXX/ XXXX XXXX  {$590.00} 2 ) XXXX XXXX  XXXX/ XXXX  {$700.00} inquiries XXXX XX/XX/XXXX and XX/XX/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 2019-06-06 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: TX

Complaint narrative:
XXXX, I am Glad, to further bolster my argument that I am right and Experian is a scrap heap of excrement, the CFPB, SAVES AND HAS SAVED OVER 5 OF MY ACCOUNTS AND 22 EXPERIAN RELATED DISPUTES WITH HUNDREDS OF PDF DOCUMENTS THAT ARE UNDENIABLE THAT MY STATEMENT IS NOT A LIE AND DISABUSE EXPERIAN NOTION THAT ITS BEEN VERIFIED, the fraudulent account From XXXX XXXX XXXX. I have subsequently spent hours downloading all of it. The ball is certainly in their court and I ask the CFPB, even with XXXX Pro Business Trumpist, to investigate this malfeasance with respect to The XXXX  XXXX XXXX account and further to the positive accounts they unfairly and illegally punished me for by deleting them. Then forward the illegality for prosecution to the United States Department of Justice Office of Consumer Protection!

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 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I started using XXXX advertising on XX/XX/2018 to start marketing my insurance and consulting services. Before signing up, I was told that I would be given {$300.00} in Ad credit which is why I joined. I would not have signed up otherwise if not misled by the company, XXXX. I was given a small bill which was taken out of the {$300.00} and then the following month, XXXX didn't take the money from the remaining credit which was over {$200.00}. Instead, XXXX started referring to the credit as a " bonus '' and after multiple calls to XXXX to fix this issue, nothing happened as XXXX refused to acknowledge the credit. XXXX sent this falsified information that they claim I owe them to a 3rd party reporting agency and started damaging my credit in an attempt to solicit payment from me. I've taken the email correspondence between the company and me and converted them into PDFs for people to see the deceptive practices that were used by XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent letters to the 3 credit bureaus months ago about some inquires some i did and some i didnt do i never recieved anything back and nothing changed

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 2019-06-06 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: WA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX**** ; XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXXXXXX ; XXXX XXXX ( Original Creditor : 13 XXXX LOANS NEW ) 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 2019-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I received a voicemail. It said, " There is currently a court order being filed to suspend all activity with your social security number. To review all immediate rights and details, contact Commonwealth at immediately today at XXXX, once again XXXX. '' The voicemail then continued in XXXX. I think this voicemail is threatening something outrageous and unenforceable in order to get me to pay them money. I have complained to the credit reporting bureaus to have Commonwealth removed from my credit reports, but they have not done so yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: FL

Complaint narrative:
I disputed bankruptcies with TransUnion complaint # XXXX XX/XX/2018. I requested credit bureau provide proof of who verified bankruptcies they were reporting. TransUnion stated US Bankruptcy court verified bankruptcies. I provided a letter from XXXX District of Florida Bankruptcy Court stating they dont report to credit bureaus. So I never received proof I requested, and the response that was given was past 30 days.

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