vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-13 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: CA

Complaint narrative:
There was a XXXX XXXX XXXX Student Loan which I took out on X/XX/2013, which was paid in full. 

Status : Paid in Full Owner : XXXX XXXX. XXXX XXXX. 
Grantor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX This account which is paid in full and closed is incorrectly reported as Delinquent and 120 days late through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I tired too open a checking account with another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
Since last XXXX XXXX, 2017, I have asked for these accounts to be corrected that I mention below which do not belong to me, as well as variations of names, addresses and social security # XXXX, without positive results. 

I have never had an XXXX XXXX XXXX # XXXX account which reports being lost with a balance of {$450.00} open at the moment, XXXX XXXX # XXXX that collects a balance of XXXX in loss of {$520.00}, XXXX XXXX # XXXX that collects a loss balance of {$190.00} XXXX # XXXX Credit limit of {$100.00} which I do not belong either. 

I have never lived at the following addresses, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX After the passage of Hurricane Maria by our Island I have not been able to carry out the pertinent procedures for the repair of my home either by a personal loan or with Fema for this situation that still can not be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is not allowing my XXXX account to be linked to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and creditors 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2018-01-13 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and creditors 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2018-01-13 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  credit bureaus and creditors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX i was behind on my rent for my apartment so apartment filed in court for eviction, before eviction process i paid apartment in the amount of {$1500.00} in money orders that were dropped off at office of the complex, then apartment got writ of possession for the apartment, i disputed the public records reporting that was on my credit report by stating that i paid the amount owed and to my advantage it was removed, well about 6 months later the same file showed back up on my credit report but under a different company and higher amount of {$4200.00} it also shows on my credit report 2 times which makes my credit score go down because now it looks like i owe {$8500.00} in debt 1 account shows open in XX/XX/XXXX and the other in XX/XX/XXXXi tried  calling the creditior and told him i nhad paid the debt of {$1500.00} directly to the apartment management company and he went on to tell me it doesnt matter because i broke the lease i told him i did not the managment company received a writ of possession for the unit, then rep was very rude and threaten to continue to ruin my credit until i pay the amount, i stated that i would hire a attorney because i didnt owe this amount plus the apartment complex had already removed the debt from my credit so how can you now report a higher amount originally oewd which i paid, i looked up yje company online and saw that many other consumers were having the same issues with this same creditor, i want to know what are my rights to fix this issue because now not only is he showing i owe {$4200.00} but now i owe double looking for help, this has cause me not to be able to get a place to live in my name until i resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: ERC
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
1. XXXX XXXX {$580.00} 2. ERC {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Two weeks ago I was notified that I received a notice that my credit score with Transunion dropped from XXXX to XXXX due to a late payment. At that time I started investigating to find that XXXX XXXX posted a late payment of 30 days for not paying the annual membership fee. The card in question was to be closed by my request a month earlier. After filing an online dispute I received another email stating the my credit score went down 122 points ; currently at XXXX from XXXX in a two week period. 

I then called Transunion to get clarification on how my credit score dropped 167 points in a two week period and to check on my online dispute. First, the agent indicated he did not show an online dispute therefore he would initiate it ; to date, the dispute number he provided does not show on my account. As far as the score dropping his explanation was that every bureau calculates the score differently and they have 3 methodologies for credit cards, loans, and mortgages. 

I have a very low debt to income ratio, The only financial changes in the last month was purchasing a vehicle and paying off a different vehicle. All other loans and credit cards have been in place for over a year to several years, I do not understand how the credit bureau can " make up '' there own methodology and algorithm for determining ones credit score, I still have no explanation to why or how my score dropped so significantly or a resolution to the credit dispute. The charges assessed by XXXX XXXX have been reversed although it is not reflected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Have no idea why these people are calling me -- they are apparently trying to collect a date incurred in the State of Kansas. I have never lived nor worked in that state, nor have I ever even been there. They are obviously seeking the wrong person who unfortunately has an name like mine. The phone calls are robocalls, not a real person. They call constantly, during the week, in the evening and on weekends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion was the service used to check my credit for a housing application. After completing my housing application via XXXX/transunion, a pop-up for a {$1.00} credit score report from trans union came up. I decided to take advantage of this service. However, TransUnion, without notification or receipt, automatically signed me up for a monthly membership and credit monitoring ( that was not advertised ) for a fee of {$19.00} per month. I called twice to have the fee cancelled and refunded. At first the representative said they did not offer a refund and that I had agreed to this montly billing. This however is not accurate, their terms of service did not state an automatic sign up for a monthly fee. I called back and the second representative was able to file a refund, which should show up on my credit card in 3 to 10 business 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
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: MD

Complaint narrative:
I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of XXXX XXXX and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: MI

Complaint narrative:
I received a auto loan from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXXXXXX XXXX sent for my car to be repossessed. I was forced to pay over {$300.00} to get my car back. Upon investigation of their claim of a past due amount, XXXX XXXX admitted that the REPOSSESSION was an error, and my account would be credited for the repossession/ storage fees. I paid the loan off in XX/XX/XXXX. The lender claimed I still owed money in XX/XX/XXXX, so I requested a detailed statement of account payments. The information provided was not clear and only confused matters. So I added all payment amounts posted by XXXX XXXX and it showed I was all paid up but they still refuse to release my title to car.

In XX/XX/XXXX, XXXX XXXX sent a repossession company to my house to extort me for a payment or they was going have them take the car. They also reported to the major credit reporting agencies false information, claiming account is closed even though there is a clear dispute with regards to amounts left on record as owed. XXXX XXXX still have not released the title to my car and they continue to have negative remarks on my credit reports preventing me from getting future loans and better rates or services.

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 2018-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of Capital One and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
1. COMMONWEALTH FINANCIAL {$580.00} 2. XXXX {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I paid off a collection account to XXXX XXXX which was for a payday loan with Speedy Cash. It is still being reported as a collection account with XXXX. I sent a letter to XXXX and XXXX XXXX asking them to not report as a collection. XXXX XXXX told me they could n't do it and told me to tell XXXX to tell them to change it from a collection to paid and closed. XXXX told me they ca n't do that. I am attempting to improve my credit scores by establishing new credit and paying off old debt. My attempts at this are futile with XXXX since my credit score has gone up one point in the past 6 months since I started this process. The other 2 bureaus have shot up from the low 500s and surpassed my credit score at XXXX. Please review the letter I sent to the two agencies and explain to me why paying this off has no effect to my score or status. If paying my debts makes no difference, I give up! 
Here is the letter I sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Acct # : XXXX Re : Collection account paid in full To whom it may concern : Please notify XXXX that my balance in the amount of {$310.00} due to Speedy Cash was paid in full and is at a XXXX balance and ***not to report it as a collection item. I am no longer disputing this item with XXXX. XXXX  told me you have to tell you to ***no longer report as a collection item. You told me XXXX has to fix. Please sort this out. I am attempting to pay off my debts and improve my credit score. This is futile if nothing changes. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX DOB-XX/XX/XXXX XXXX CC : XXXX

Company response to consumer: Closed with explanation