vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/20 from XXXX XXXX XXXX stating that I had a bankruptcy filed on my Equifax credit report. On Friday, XX/XX/20, I called Equifax Mortgage Solutions at XXXX to clarify and dispute the bankruptcy. The representative took my information, then transferred me to another department. The call was disconnected. I went to the Equifax website to try and pull my credit report, but an error was reported stating that my report couldn't be located and to call Equifax. I called Equifax and spoke with XXXX, who informed me that she couldn't find any records for me. She asked if I had a line of credit, and I told her I did. She informed me that I would need to fax and/or mail a list of documents to them to begin clearing up the issue, which I still didn't understand. I asked what the issue was, and she just said she couldn't say because she couldn't find a report for me. We ended the call and I called again, speaking with XXXX. He was able to locate my report, but said that there was a discrepancy and also provided me with the fax number and instructed me to send documents. Once again, I couldn't understand what the problem was exactly and why I couldn't access my credit report. On Saturday, XX/XX/20, I faxed the cover letter they requested I write, a copy of my drivers license, my passport, my social security card and an energy report with my name and address on it to XXXX. I also mailed hard copies to the Equifax Dispute Department at XXXX. XXXX XXXX in XXXX, GA XXXX. 

Friday, XX/XX/20, I called Equifax once more at XXXX and spoke with a representative, informing her of my situation and asking for her to confirm receipt of the documents. It took her a while, but she was able to see that the documents had been received and she read them back to me. All documents were received. But then she stated she couldn't find a credit report for me. I asked for her to specifically list the problem and what I could do about it, but she was unable to clearly tell me what the problem was. I asked for a supervisor. She was then, all of a sudden, able to see my report, but then she asked me to stay on hold for a supervisor. I asked for a number to call back if I was disconnected, but she wouldn't give me a number and put me on hold. I was on hold for 1 hour when the call was disconnected. I called back again and spoke with XXXX. He told me their system was down and that I would need to call back in " a few hours '' to be able to access my report or to speak with a supervisor. 

I am extremely concerned that no one can tell me what the problem is, and if I try to ask for someone else to help me, I'm disconnected or told to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: NJ

Complaint narrative:
Please remove the following unauthorized inquiries from my credit report XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX   Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX   XXXX Inquiry Date XX/XX/2020 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 2020-09-18 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: FL

Complaint narrative:
this is the second Time that I've been a Vitim of identity theft I've made a police report a while back ago now this pops up, with XXXX/ XXXX Account # XXXX for the Amount of XXXX this account is fraud I did not give any consent or did I authorize this account This Account is due to fraud

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 2020-09-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Todd, Bremer & Lawson, Inc.
State: GA

Complaint narrative:
In early 2019, I received a letter from a collection agency, Todd Bremer & Lawson, that was sent to me on behalf of the University XXXX XXXX   at XXXX, regarding a XXXX XXXX that had defaulted. The letter I received from TBL stated I owed a principle amount of {$6300.00} for the original amount of the XXXX XXXX, and that TBL was also seeking over {$2000.00} in collection costs and other fees. In an effort to bring my student account balance in good standing, I submitted a total of {$8.00}, XXXX to TBL to satisfy the debt and associated collection fees.

A few weeks after submitting the payment to TBL to satisfy the defaulted XXXX XXXX I had with XXXX, my financial institution determined TBL illegally accessed collection fees and charges that were not lawful, and that were not explicitly included in the original Borrower 's Agreement. I also asked TBL for proof that the XXXX XXXX funds had been deposited in my account because I was a victim of identify theft between the years XXXX. 

TBL could not provide substantiated documentation to prove I had actually received the XXXX XXXX Funds. As a result, my financial institution determined I was due {$3800.00} to be returned by TBL for failure to execute legal & reasonable collection practices and collection costs. As it stands today, TBL is now claiming I owe them an additional {$4100.00}, which includes {$960.00} for collection costs due to TBL. They are STILL trying to collect illegal collection fees that were not  expressed in my borrower 's agreement. 

This is illegal and is NOT in accordance with FDCPA law : 808. Unfair practices - which state : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account standing which is lately reporting on this credit record has a severely unwanted relation to my personal option to attain permission to get a present loan application, please don't hesitate to provide proof that this has been reported perfectly as documented in the Fair Credit Reporting Act guidelines, this is a serious problem to mis-report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent a Validation of Debt to XXXX XXXX on XXXX requesting documentations that the allege debt belongs to me. they reply with a print out document with my name on in and the allege amount of money I owe but also offering a 40 % discount of the allege original balance they said I owe. I sent a letter to the credit bureaus on XXXX respectfully asking them to do their own investigation and to provide me documentations bearing my signature as a proof that the account belongs to me. which they never reply.

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 2020-09-18 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have an account that was with XXXX and sold to Midland credit. I filed for bankruptcy chapter XXXX case # XXXX on XX/XX/20. I filed a dispute through XXXX as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the Consumer Data Industries guidance in the Credit Reporting Resource Guide or I will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: MO

Complaint narrative:
I AM A VICTIM OF ID THEFT. A BANKRUPTCY IS REPORTING ON MY FILE AS A RESULT OF THE ID THEFT. XXXX XXXX AND EXPERIAN ARE REPORTING IT. XXXX XXXX TOLD ME JUST TO SEND THEM THE POLICE  REPORT AND THEY WOULD TAKE CARE OF IT. I DID SO AND NOW THEY ARE SAYING UP TO 90 DATS. EVEN THOUGH THE 45 DAY TIMEFRAME HAS EXPIRED. EXPERIAN WERE SUPPOSE TO PROVIDE THEM WITH THE POLICE 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 2020-09-18 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: AL

Complaint narrative:
I am sending an affidavit because I saw my credit report and there is so much inaccurate info on there. I am a victim of identity thieft. Someone stole my information and opened up accounts under my name. These fraud accounts are holding my credit score down. please investigate and remove these fraud accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
they call me regards on a debt on firstdata leassing company that i never sign any paper or anything involved with that equipment it would be stolen identety for somthing that im not aware i want to stop calling me or email me thing that i do not own anithng

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 2020-09-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations.

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 2020-09-18 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have an account that was with XXXX and sold to Midland credit. I filed for bankruptcy chapter XXXX case # XXXX on XX/XX/20. I filed a dispute through XXXX as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the  information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the Consumer Data Industries guidance in the Credit Reporting Resource Guide or I  will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act. This dispute is for another XXXX account your reporting for a balance of {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
I moved out of an apartment early along with my partner. There was a fee equal to 2 months rent, this final bill was sent Friday after XXXX XXXX. The following Tuesday the debt was paid in full, on XX/XX/2020. As Monday the XXXX was a federal holiday and the credit union that need to raise my limit was closed. 

On XX/XX/2020 I started to receive odd calls on my cell from XXXX one at XXXX XXXX, one at XXXX XXXX  and one at XXXX XXXX. Two additional calls were place at XXXX XXXX  on the XXXX. At approximately XXXX XXXX I received a call from " IQ Data International '' on my work phone which is not public from XXXX. The caller did not identify themselves and said they were calling in regards to an old debt from the XXXX XXXX XXXX. I stated the debt was paid in full but they could provide a debt verification letter if they wanted to place it was not. I stated it was my right to have them prove the debt and the caller stated it was not and that I clearly had debt since they were calling me at work. Caller refused to provide a debt verification letter. I confirmed the amount paid and said I would email confirmation when they hung up on me. I called the XXXX XXXX XXXX  within 5 minutes and they said they would resolve the issue. 

The apartment manager emailed these addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX And stated the account was paid in full and attached a statement. My partner was CCed on the email but I was not. 

My partner received numerous other spam calls from a XXXX area code which the debt collected ID as them. 

My XXXX  profile was also view by a " XXXX XXXX '' whom is listed as a senior rep at IQ data. 

No letter has been sent in the mail from them and I can show as such, as I have USPS informed delivery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WI

Complaint narrative:
On XX/XX/2020 I sold my home in XXXX GA XXXX. I had money in an escrow account which should be refunded to me. On XXXX XXXX XX/XX/2020 I emailed The Money Source at XXXX  @ The Money Source .com regarding why I have not received my escrow money. There was no response. I also called The Money Source at XXXX three times but NEVER was able to speak with an agent. I was on hold approximately 45 + minutes before I got fed up and hung up.On XXXX XXXX I sent another email and called twice. Again, no response. On XX/XX/2020 I emailed The Money Source THREE times and called Three times. Again-NO response. 
On XX/XX/2020 I emailed The Money Source and again NO response. On XX/XX/XXXX @ XXXX cst I called The Money Source and finally reached an agent-XXXX. 
He told me that a check was sent on XX/XX/2020 in the amount of {$1200.00} and mailed to my current address. XXXX verified the address as being on file. I was told by XXXX a new check would be sent but it would take 7-10 business days. 
THIS IS UNACCEPTABLE. The Money Source completely ignored my previous attempts to contact them. They acknowledged receipt of the email but FAILED repeatedly to contact me to discuss or explain why my escrow money was delayed.. My money was being used by them preventing me from earning any interest on the escrow money. 
The customer service of The Money Source is PATHETIC. They are absolutely the WORST mortgage company I have ever encountered. You are unable to call them by telephone without ridiculously long wait times. They do not followup emails they receive despite their automated response telling you a customer service person will contact you within 24 hours. THAT NEVER HAPPENED. If I had been late with a mortgage payment I would have been penalized. The Money Source should be penalized for their failure to pay me my escrow money in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: FL

Complaint narrative:
this is the second Time that I've been a Vitim of identity theft I've made a police report a while back ago now this pops up, with XXXX/ XXXX Account # XXXX for the Amount of XXXX this account is fraud I did not give any consent or did I authorize this account This Account is due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this is the second Time that I've been a Vitim of identity theft I've made a police report a while back ago now this pops up, with XXXX/ XXXX Account # XXXX for the Amount of XXXX this account is fraud I did not give any consent or did I authorize this account This Account is due to fraud

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 2020-09-18 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: AL

Complaint narrative:
I am sending an affidavit because I saw my credit report and there is so much inaccurate info on there. I am a victim of identity thieft. Someone stole my information and opened up accounts under my name. These fraud accounts are holding my credit score down. please investigate and remove these fraud accounts from 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 2020-09-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am sending an affidavit because I saw my credit report and there is so much inaccurate info on there. I am a victim of identity thieft. Someone stole my information and opened up accounts under my name. These fraud accounts are holding my credit score down. please investigate and remove these fraud accounts from 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 2020-09-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$150.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : $ XXXX This account does not belong to me. It was cause by fraud.

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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX AND XX/XX/2020 PAYMENT DATA MISSING FROM MY EXPERIAN REPORT FOR ACCOUNT : XXXX  XXXX  XXXX/ XXXX, ACCOUNT NUMBER : XXXX. 

EXPERIAN CLAIMS THEY CONDUCTED A INVESTIGATION AND FIXED THE ISSUE AND ACTUALLY DID NOT CONDUCT AN INVESTIGATION AND FIX THE ISSUE.

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