vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Why is rentdebt still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion, XXXX, and XXXX are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call Transunion, XXXX, and XXXX to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called equifax and XXXX to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the Transunion to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. Transunion, XXXX, and XXXX have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. Transunion, XXXX, and XXXX are in direct violations of the fcra. XXXX, Transunion, and XXXX is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. XXXX, XXXX and Transunion can not continue to violate my rights.

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 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Good day!

I was trying to get a approval to buy a house and I received this report on my Experian credit bureaus that I was late on XXXX XXXX  for 60 days in XX/XX/XXXX and XX/XX/XXXX month XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paidXX/XX/XXXX and XX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Experian bureaus.

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 2018-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Why is XXXX still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.

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 2018-01-23 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:
Why is XXXX still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.

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 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Managed Recovery Systems, Inc.
State: SC

Complaint narrative:
Managed Recovery Systems keeps contacting about a debt they have yet to validate. XXXX XXXX requested debt validation by mail inXX/XX/2017.  Managed Recovery never replied. Now they are sending threatening letters in the mail for {$140.00}. They can not threaten to destroy my credit or sue for debt that has not been validated. I dont even know where this is coming from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage is reporting a payment as late on my credit report. In this circumstance, they do not allow 24/7 payments to be made. Therefore this payment was not 30 days late by choice, but by the fact that their system, because there was a holiday following the last day of the month, did not allow any online or phone payments to be made. This was actually due to a payment shortage of {$30.00} that prevented any part of this payment from being applied to my account, and outstanding payment. In observance of the fact that you did not have any available payments methods available to correct this shortage 24/7, we made multiple attempts to do this online but your system would fail to process it, and there were no phone representatives available, and your automated system would not take the payment either, even when trying to pay a full months payment extra to resolve a {$37.00} shortage. This payment shortage was due to you changing the mortgage payment amount twice within a 60 day period. Our escrow portion of our payment increased by {$5.00} one month, and then by {$37.00} the following month. On the next business day that your system was available to process this payment it was made in full, and the following months payment was made on the same day as well. No phone calls were made to point out the shortage in the payment that was made. The payments were on an autopay, but the increase in escrow was not notified in advance of the payment increase, and this was the first payment after the increase in payment. Also, the previous payment amount which was {$37.00} short, made on time, was not credited in the amount paid when received which was a violation. It was held in an unaccounted for account, but not applied to principal or interest or escrow etc. Also since your business had no ability to accept a payment on day 30 or 31, then the following business day that you would accept payments was when our shortage was corrected. This does not constitue a 30 day late, if there is no way to make a payment the day before the payment is late due to your business being closed for a holiday. See attached image where your system was unable to take a payment due to a holiday. Also, the following months payment could not be due on XX/XX/XXXX when that was a holiday, and your offices for also processing and receiving payments are closed with no method to post or initiate a payment. Also, our escrow account was negative due to a shortage from over 12 months prior, that they failed to average out, or to ask to be paid to put our account on pace to maintain our payment. See the statement where payment was sent in, but not applied at all to account.

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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have hard inquiries on my credit report an i do n't have accounts with none of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: OH

Complaint narrative:
This company holds a collection that I need deleted from my credit to obtain a mortgage. I was never notified that I owed the debt. I called to settle the account and have it deleted from my credit report and they are refusing to delete. They keep saying " it 's unethical '' and " you should have paid your bills. '' I have called numerous times and they just laugh in my face. All I want is to pay this old medical bill and move on with my life. I can see by previous reviews to the BBB that they delete but they are refusing for me. Why should I have to have this weighing down my credit score if I 'm willing to pay. I did n't even know I had the debt until I tried to get my mortgage and they told me to call and pay it and have it deleted.

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 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I received a phone call 2 month 's ago I have a debit to pay if I do n't pay they call me in court and I found out they report me in credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
I withdrew {$340.00} from coinbase on XX/XX/XXXX and have not received it. I have submitted a case to coinbase on XX/XX/XXXX and still have not heard anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX, XXXX, and equifax are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call XXXX, XXXX, and equifax to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called equifax and XXXX to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the XXXX to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. XXXX, Equifax, and XXXX have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. XXXX, equifax, and XXXX are in direct violations of the fcra. Equifax, XXXX, and XXXX is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. XXXX, equifax and XXXX can not continue to violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: LA

Complaint narrative:
XXXX, Experian, and XXXX are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call XXXX, Experian, and XXXX to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called XXXX and Experian to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the XXXX to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. XXXX, XXXX, and Experian have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. XXXX, XXXX, and Experian are in direct violations of the fcra. XXXX, XXXX, and Experian is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. Experian, XXXX and XXXX can not continue to violate my rights.

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 2018-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After calling XXXX, Transunion, and XXXX on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed Transunion and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to XXXX but once calling XXXX  they said they didnt receive it. Transunion and XXXX are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XXXX of 2017. XXXX  told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.

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 2018-01-23 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: NJ

Complaint narrative:
Good day! 
I was trying to get a approval to buy a house and I received this report on my Equifax credit bureaus that I was late on XXXX XXXX for 60 days in XX/XX/XXXXand XX/XX/XXXXmonth XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/XXXX andXX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Equifax bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase has made several hard inquires on both my XXXX, XXXX XXXX, and XXXX as well, without my authorization and without permissible purpose. I have reached out to Chase via certified mail requesting that they cease the unauthorized hard inquiries into my credit report. 

I also gave a formal demand that Chase immediately contact the credit reporting agencies and credit bureaus, where their Chase has made inquiries into my credit history, to have their illegal inquiries removed. 

The inquiries are in violation of Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Listed below are the inquiry dates both with XXXX and XXXX XXXX credit bureaus : CHASE CARD Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
After calling equifax, XXXX, and XXXX on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed XXXX and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to XXXX but once calling XXXX they said they didnt receive it. XXXX and equifax are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XX/XX/XXXX. XXXX told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.

Company response to consumer: Closed with explanation