vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 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: AmeriCollect
State: GA

Complaint narrative:
Americollect is continually reporting an entry on my report that they are unable to validate. On numerous occasions ( see attached ), I have requested debt validation from them and they are yet to provide. In their most recent communication, they provided a mere typewritten statement that was not letterhead. In my most recent communication with Americollect, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until the debt has been validated by me ; to date, to no avail. The mere fabrication of an invoice from them as well as the copy that reflects XXXX is insufficient in justifying that this alleged debt belongs to me. Being that Americollect has nothing to substantiate their erroneous, inaccurate reporting, this entry must be deleted from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I placed a credit freeze on my credit report with Experian on XX/XX/19.

On XX/XX/19, I temporarily removed my security freeze from XX/XX/2019 throughXX/XX/2019 using my PIN number.

On XX/XX/19, I tried to temporarily removed my security freeze but Experian has locked my credit report and have requested me to provide proof of my identity by mail. Experian says it will take several days to process my request. I need the security freeze on my credit report to be removed immediately. 

Please note that I was able to remove the credit freeze on my XXXX  and XXXX credit reports without any problems. 

I have made several attempts to reach a live person at Experian to fix the problem but despite entering my personal information into Experian telephone system it is impossible to reach a live person.

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XX/XX/2019 in response to a complaint filed with CFPB. XXXX XXXX. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so XXXX and Equifax have both reported information verified from XXXX again that is not accurate nor matches the information provided in the response to the previous complaint to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XX/XX/2019 in response to a complaint filed with CFPB. XXXX XXXX. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so Experian and XXXX  have both reported information verified from XXXX again that is not accurate nor matches the information provided in the response to the previous complaint to 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 2019-08-14 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: PA

Complaint narrative:
I signed up to view my free credit score after being denied for the XXXX XXXX. I checked my online banking app today,XX/XX/XXXX, and saw I was charged {$21.00} for a subscription I never signed up for. I filled out the information they asked me to fill out for my free yearly credit report and a few days later I have been charged.

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 2019-08-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
In XXXX a unlawful detainer was filed in a XXXX XXXX court house. On about XX/XX/XXXX i went to court and an agreement between me and the landlord was settled. I was to forfeit the property by XX/XX/XXXX in which i did. There was a judgement for landlord in the amount of {$880.00}. The stipulations were me to move out before XX/XX/XXXX and owe the judgement of {$880.00} and pursuant code 1786.18 ( A ) ( 4 ) was in order. In XX/XX/XXXX. Fidelity credit services a debt collector added this to my credit report in the amount of {$1600.00} and a negative report. I tried to talk to them but was told just to pay the judgement then they will remove from my credit report but if i dont pay it will be on my credit till XX/XX/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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and XXXX. XXXX XXXX lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: GA

Complaint narrative:
In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and XXXX. XXXX bank lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me

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 2019-08-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leachman Law, P.C.
State: CO

Complaint narrative:
Hello so the original amount of the debt is for {$870.00} and the collection agency is saying I owe XXXX for interest fees on an old debt, the original case was opened XX/XX/2013. I was served papers last night from the collection agency and have not heard anything about the debt prior to being served.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Company is trying to collect a debt from me for XXXX XXXX {$940.00} and XXXX XXXX XXXX {$760.00} I have never used anyone of these services in my life. The only services I have ever used was XXXX XXXX, XXXX XXXX ( XXXX until XXXX ), XXXX XXXX ( XXXX to present ). This is the first I have heard of this I haven't received any bills from XXXX XXXX or XXXX XXXX XXXX on this matter. The only reason I discovered this debt I open up my account on XXXX XXXX and seen XXXX XXXX and XXXX XXXX XXXX in collection. If you check my credit report I only have one account open on my credit report because all my life I paid for everything in cash. I am pretty sure it was identity theft but this need to be cleared off my credit report and pursue who ever done this or I would be force to file a civil lawsuit on Enhanced Recovery Company for harassing me on a debt isn't mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( original creditor XXXX XXXX ) is reporting incorrectly to Experian a collection in the amount of {$3800.00}. ( Please see attached page from my credit report. ) XXXX XXXX is billing me for breaking a lease that was never in effect. My first lease was a 15 month lease and even per the detailed documentation attached, the new lease they allege I am responsible for would not have been in effect until XXXX. I provided a ( 60 ) day notice to vacate on XXXX and followed up in writing and again in an email on XXXX. I never received any response from either the written notice or email notification. This was common practice as the staff at XXXX XXXX rarely responded. My last two emails were to a Ms. XXXX on XXXX and XXXX. However, upon receiving documentation from the collection agency it shows that Ms. XXXX did reply to a few emails however, she did not type in the correct email addresses and consequently no communication was ever received by me. I did not have any signed lease on the dates they claim I had lived there. They have sent me to collections in error. I do not owe XXXX XXXX any sums of money and this incorrect reporting of a collection is harming my credit score. This line item needs to be removed 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 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
Complaint against Midland Funding 1. On XX/XX/2019 I was officially served a complaint for debt incurred and unpaid by a process server from XXXX/XXXX, XXXX representing Midland Funding LLC. 
2. On XX/XX/2019 I sent in a formal request for debt validation 3. On XXXX I received a letter from XXXX XXXX, XXXX that contained a cover letter addressed to me that stated We acknowledge receipt of your validation request. Enclosed is our response. The enclosed documents did not contain any form of debt validation but another cover letter for another consumer not associated with me at all and an affidavit of fraud. Its clear that my information and hers were mixed up and my debt validation letter and personal private information was sent to the 3rd party without my consent. 

I have no recollection of this debt and my attempt to obtain more information about it only led to personal and private information being leaked. Due to this unfortunate and harmful incident, I did not contact the law firm out of fear of incompetent attention to detail by midland funding and their representation leading to further harm to my reputation. 

Midland Funding and representation has violated both the fair debt collection practice act and Maine State Fair Debt Collection Practices Act Chapter 109-A 11012 # 3 Communication with 3rd parties which  states Without prior consent of the consumer given directly to the debt collector, or the express permission of a court competent jurisdiction, or as reasonably necessary to effectuate a post judgement judicial remedy, a debt collector shall not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorneys, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technology, Inc.
State: CA

Complaint narrative:
Good morning, I'm contacting you guys about a matter that's been going on and still I have no results. I happened to check my credit report on XX/XX/2019 and noticed a company that was on my report through XXXX. The customer service rwp asked if I filled a tenant application for a apartment in XXXX, Ca I told her no and that I'm miles away from that city. I was told to call the company which I did and spoke to someone named XXXX. She told me to hold the line and she transferred me to that correct department to speak to a XXXX. I explained with a brief message what's going on and how I need a letter from them to send to XXXX to get this off my report asap.I still haven't received a message from this company I call them at least 1 to 2 times a week with no results. I have put in a complaint w/ the XXXX also w/ Department of Justice they tell me tjat it's being worked on. I do have proof of these letters from both departments. I did explain also that the XXXX and on this company website Credit Technology Inc is nothing but complaints reagrding the same situation I'm gooing through and more. I really need help with this XXXX is asking me for a letter that I can't even get through this bogus company to have removed from my credit report. This company needs to be investigated ASAP this is not right for us consumers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX2019 my equifx credit score arbritrarily dropped from XXXX to XXXX for no apparenet reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Kohls department store credit reported my payment as being late inXX/XX/2019.Theres seems be glitch in there system so I was told on the phone by them.I have been on the phone every month this year about there payment, not being taken out of my account to there account on auto pay for there web site.kOHLS HAS SENT ME ABOUT THREE NEW CARDS BECAUSE THERE CHARGE CARDS DID NOT WORK PROBLEM WITH ACCOUNT NUMBERS iF THEY WENT BACK AND LOOKED AT THERE RECORDS LIKE THEY REPORTED BACK TO XXXX THEY DID THEY WOULD HAVE SEEN ALL THE NOTES ON MY FILE AND ALL THE TIMES I CALLED AND ALL THE TIMES PAYMENT WERE MAID.ITS BEEN NOW GOING ON 6 MONTHS AND I CANT GET THEM TO HELP ME .THEY ALSO CHARGED MME A FEW LATE FEES EACH TIME THEY REMOVED THEM BECAUSE THE SAID IT WAS A GLITCH ON THERE END AND THEY WERE WORKING ON IT.BOTTOM LINE LOOK AT MY TRACK RECORD BEFORE MAY AND AFTER MAY NEVER BEEN LATE AS IN ALL MY ACCOUNTS ON MY CREDIT FILE I WANT THEM TO REMOVE THE LATE REPORTING AND TO REPORT ALL PAYMENTS ON TIME. I HAVE LETTERS FORM KOHLS ASKING FOR MORE INFORMATION IT A STALL TACTIC ON THERE BEHAVE .my account number is XXXX my ss is When i called XXXX they told me that the case was closed because Kohls send the right information if th was true why did kohls send me another letter asking for more information after they reported it was right .I just want them to follow the law for credit reporting and report the right things on time and in a timely matter.It is well past thirty days to get my credit report corrected.they are cost me money in hire interest rates and hire car insurance for them saying i was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have a collection account on my credit report this was fraud I sent in a fraud package which includes a police report on this XXXX XXXX account they are the original creditor the collection agency name transworld system is reporting this fraudulent accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WY

Complaint narrative:
I deposited a check from another bank that was written to me on Monday, XX/XX/XXXX. My cousin wrote me the check in order to assist me in time sensitive bills that are accruing interest daily. A hold was placed on the entire check, prohibiting me to access the funds, and I contacted XXXX XXXX branch in XXXX, WY multiple times yesterday for assistance but continue to be told there is nothing they can do, or it is out of their hands and refuse to provide me information on who to contact to get more information. Meanwhile, the bills I am needing the funds from the check for, are accruing interest at a rate I will not be able to pay off when the money is available for me to use.

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 2019-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I pay my account on time every month on line. One month i got notified that it was paid on time by the website but then then 30 days later i was notified that they never received the payment and then a 30 day late pay was put on my credit report. I have tried to get it removed from my credit report but have not been successful even though the late pay was by no fault of my own. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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:
I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX and some account that don't even have a name but the account XXXX XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
Letter was received from Maury Cobb Attorney at Law on XX/XX/2019 requesting payment of a debt in the amount of {$270.00} that they obtain from XXXX  or a judgement would be filed against me within 30 days if payment was not received. 
I replied to the letter On XX/XX/2019 stating the debt was paid directly to XXXX along with proof of the paid bill of {$230.00} on XX/XX/2019 with confirmation number of the payment. 
To date I have received 16 phones calls from his office on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation