vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
SCA Collections has reported four collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. SCA Collection is acting as an illegal collection agency, defying federal collection law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Earlier this year I found out my personal information was involved in a large data breach from XXXX, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.

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 2018-07-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Earlier this year I found out my personal information was involved in a large data breach from XXXX, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.

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 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
My Coinbase account is " Account Restricted ''. Specifically when I try to buy or sell, the following message comes up : " Account Restricted You are currently unable to buy and sell digital currency on Coinbase. Please visit https : //support.coinbase.com for assistance. '' So around 4 months ago when I found out that I could not buy any cryptocurrency because of this, I sent an email to Support, and got automatic response, then I got a real response that they are looking into it. Then a few months later, I got another response that I had to close my Business Account ( as this was somehow linked to my personal coinbase account ). I did this and answered and this was several months ago. All my emails are attached.

Since then the value of bitcoin, bitcoin cash, ethereum, litecoin have all gone down in price. I have been trying to take my money out so I could pay some bills and help my mom who is fighting XXXX. Now it is less value.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried for several years to remove information on my credit report due to me being a victim of ID theft. I filed police reports, FTC reports and affidavits and submitted this information to the credit reporting agencies, however they refuse to remove the information listed on my declaration.

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 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX failure to rebut, answer, respond, to conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXX XXXX failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XXXX XXXX apply Pulled my credit report I didnt apply for this

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 2018-07-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XXXX XXXX  apply Pulled my credit report I didnt apply for this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Credit Karma, LLC
State: LA

Complaint narrative:
I was checking my credit report and a hard inquiry popped up saying that him something about XXXX XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my credit karma XXXX report I talk with XXXX XXXX  and they said they have no information also I spoken with XXXX  they tells me to call the police and credit karma is not helpful at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried for several years to remove information on my credit report due to me being a victim of ID theft. I filed police reports, FTC reports and affidavits and submitted this information to the credit reporting agencies, however they refuse to remove the information listed on my declaration.

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 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I'm writing to disputed an unknown debt collection that I have been harassed by Cavalry SPV I , LLC. I have been received Mails and phone calls harassment to attempt to collect the debt that I did not inform. I believe my information has been used without my consent. Please investigate thoroughly as the phone calls harassment from Cavalry SPV I , LLC has caused me a tremendous amount of emotional toll and felt threatened by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The item XXXX reporting on my credit is not accurate. This company has re-aged the item. They are currently reporting it as if it were a NEW collection on my credit report. 

A report from XX/XX/XXXX reported that the item charged off on XX/XX/XXXX. Attached is print screen of my online report showing the charge off occurred on XX/XX/XXXX. 

My current report dated XX/XX/XXXX reports the item as Charged-Off XX/XX/XXXX appearing as a NEW collection ; and this is not a NEW collection. My scores dropped as a result of this retaliatory reporting. See attached print screen of my online report. 

Please remove this inaccurate item XXXX from my credit report as it is clear that they have re-aged this item. Re-aging a debt is a violation of the FCRA. 

Furthermore, based on their failure to report accurate information I have no reason to believe that this listing is accurate at all or has ever reported correctly. 

This inaccurate reporting hinders my ability to obtain financing for a home and also hinders my employment opportunities ; this retaliatory reporting has directly lowered my Fico score.

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 2018-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.

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 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX has called my work now 2 times. I have told them both times I am not allowed personal phone calls and work and it is a fire able offense if it is not an emergency. They called the first time Wednesday XXXX around XXXX, and again today XXXX at XXXX. Both times I have told them the same thing. Please make them stop calling before I am fired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I found a collection debt on my reports from XXXX XXXX XXXX. I contacted to validate debt and informed it was sold/ '' now owned '' by a law office local to me and that they could not talk to me any further about the account. Upon contacting the law office I was informed that their was a judgment ( {$870.00} and higher than what was showing on my reports ) against me and they did validate it. I offered to pay in full right away over the phone and documents/everything in writing was prepared saying debt was settled/paid in full. They also stated that a writ of garnishment was sent to my employer, but that they would immediately send out a termination of garnishment letter to my payroll dept. 
Well, a week later I receive a letter from my payroll stating a garnishment will be talking place with other supporting documents of court judgment and local court house I must contact to file an objection. I immediately contacted the court for an objection and my payroll was faxed all my supporting documents to stop this, only to be garnished less than two weeks after I paid. I was also still showing an open account from XXXX XXXX on my credit reports with a higher balance!? I contacted the law office again and they stated it was up to Midland to report to credit agencies and stop my garnishment, but they had sent all paperwork to them? 
I have also disputed my reports with all three agencies and they state that the account in question has been verified as accurate and just " updated '' it which now re-aged the collections account and total debt owed?! 
I have also contacted Midland through their web portal dispute my account that now shows a {$60.00} balance still owed?! They have not responded! 
This is harming me trying to get new rental/home leases!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: MI

Complaint narrative:
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to XXXX for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was checking my credit report and a hard inquiry popped up saying that him something about XXXX XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my XXXX XXXX XXXX  report I talk with XXXX XXXX and they said they have no information also I spoken with XXXX they tells me to call the police and XXXX XXXX is not helpful at all

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 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was checking my credit report and a hard inquiry popped up saying that him something about XXXX  XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my XXXX XXXX TransUnion report I talk with XXXX XXXX and they said they have no information also I spoken with TransUnion they tells me to call the police and XXXX XXXX is not helpful at all

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 2018-07-13 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was no Late Payment made for XX/XX/2018. Creditor Capital One reversed late payment charge and credited my account. However still reported as late payment for the month XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I contacted ( 2 ) collections agents XXXX, XXXX and ERC who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX  credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. 

XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 )  reporting bureaus XXXX  ; XXXX XXXX and XXXX  by certified mail and enclosed copies of the letter sent to XXXX, XXXX and ERC ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I have written and sent 3 validation letters to XXXX XXXX to validate a debt owed. Starting XX/XX/18 ( 1st letter ), around XX/XX/18 ( 2nd letter ), and XX/XX/18 ( 3rd letter ). The 1st letter they did not send the information requested just a printout which stated not to send a printout, the 2nd letter there was no response, and the 3rd the same printout. They continue to not validate the debt with a contract and my signature stating I owe this bill. It has compromised my credit worthiness due to this false and incorrect account on my credit report. It has also harmed me getting new lines of credit.

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 2018-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus Experian ; XXXX XXXX and XXXX that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.

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 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.

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 2018-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.

Company response to consumer: Closed with non-monetary relief