vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

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 2022-02-21 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE ORREMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: WI

Complaint narrative:
EMERGENCY TAKING MY PROPERTYXXXX XXXX SHERIFF! The title was based off a forgery, plain s day. She fled the country, after getting paid {$5000.00} from XXXX XXXX ALL the others fled too. It's my home, land that I PAID TOWARDS FOR 44 YEARS!!!!!!!!! ON A VERY LOW SECRETARY Salary BOUGHT THE LAND IN XXXX IN MY SINGLE NAMEE?!!! AS. SINGE PERSON WITH CHILD FROM A XXXX! TOLD DAD TO GO AWAY AND HE DID. NO CHILD SUPPORT NO STATE Support BACK THEN. I DIDNT ASK FOR IT.!! THE.N THE SAME GUY THAT RECENTLY STOLE MY HOME WITH FORGER FROM HIS WORK, STOLE THE STATES CATCHUP CHILD SUPORT FROM THE OTHER GUYS XXXX!! I BUILT TWO HOMES ON MY LAND, BY THEN I HAD A STRONG BUSINESS.. HE ARSONED MY FIRST VERY VERY SPECIAL ONE, ( HE MADE HUGE FRAUD DEAL WITH MY SINGLE NAME MORTGAGE BANK!! TO HARM ME! THE BaNK WAS ALSO MY 1099 EMPLOYER!!

They re RIGHT NOW FINISHING STEALING MY HOME. THE DEAL HE MADE WAS TO PRETEND I OWED THEM MONEY ( I PROVED 7 TIMES OVER I DIDNT ). BUT THT COMPANY NEEDED TO DO THAT TO ME TO STEAL XXXX!! SEE XXXX  historic chart! See huge hump in volume! That's the tax fraud!!! SEE CASE XXXX XXXX they pretended it was a mistake, but it wasn't, BUT THEY dismissed it WITHOUT PREJUDICE!! SO TOOK IT OFF ON THEIR TAXES GIVING THEM {$6.00} BILLION IN TAX ASSET!!!! WORSE FOR ME IS THEY COULD COME BACK AND CHARGE ME WITH THE {$14.00} BILLION!! LOOK AT LONG Term CHART OF XXXX  YOU WILL SEE THE VOLUME HUGE HumP. THATS ME! FROM my tiny good business Iin the country they stole. I LIVED & WORKED IN THE COUNTRY FOR 36 YEARS!!! THEY STOLE both my Hnew homes that I paid for! They stole THROUGH FORGERY, PAID OFF TITLE PEOPLE. XXXX XXXX AND THE XXXX XXXX BOTH CLOSED RIGHT AFTER THEIR FRAUDS!!!! So ALL 9 FLED RIGHT aWAY, at least one out of the country! BUT SOME CAME BACK!! HE TRIED XXXX ME A DOZEN TIMES! AFTER HE DID THIS!? ALSO IS XXXX CAR TRUCK CIRCLING, XXXX ME, trying to it me in a vulnerable position. Everyone is afraid of him, he is a monster. AND MY LIFE IS IN DANGER. ALSO TRIED TO PRETEND I DID FORGERY ( LIE ) TO COVER UP HIS FORGERY! HE PAID OFF COPS ETC. HE THE MORTGAGE COMPANY CLOSER FLED THE STATE TO INDIANA, SHE DID NOT COME BACK BUT I KNOW WHERE SHE IS IF YOU CAN Arrest HER TOO.. THE TITLE BASED ON PLAIN A S DAY FORGERY, PROFESSIONAL FORGER DONE AOT, XXXX XXXX, BUT SHE PRACTICED MY XXXX Signature ON. XXXX DEED! AND MY NEW LICENSE SIGNATURE WAS THE DAY BEFORE! SO CAN COMPARE AND SEE ( I CHANGE MY SIGNATURE PERIODICALLY NOW BUT ITS Clear AS DAY FORGERY MORE STARKLY NOW. I have tons of evidence. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/21, I submitted a dispute to CMRE FINANCIAL SERVICES. As of todays date, I have received no response from CMRE, therefore you must delete this from my credit report and remove this debt per the FDCPA and FCRA. This balance needs to be closed as I have disputed the bill and have not been given the required information to confirm this debt. If you do not, I will pursue further action to the fullest extent possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. Has violated my Rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
*I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.

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 2022-02-21 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/21, I submitted a dispute to AWA COLLECTIONS. As of todays date, I have received no response from AWA collections agency, therefore you must delete this from my credit report per the FDCPA and FCRA. If you do not, I will pursue further action to the fullest extent possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
*I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.

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 2022-02-21 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: CA

Complaint narrative:
My credit report is reporting inconsistencies. Please see explanation and accounts attached.

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 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. Has violated my Rights. XXXX XXXX. XXXX section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-21 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. Has violated my Rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Transunion ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-02-21 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: WA

Complaint narrative:
To Whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report Does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. A balance being reported on my Equifax consumer report is a transaction which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). Zero out the balance on the below account with 10 calendar days and mail me an updated consumer report. 

Account Number:XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Equifax ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To Whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report Does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. A balance being reported on my Transunion consumer report is a transaction which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). Zero out the balance on the below account with 10 calendar days and mail me an updated consumer report. 

Account XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Experian ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted on many occasions to update inaccurate personal information that Experian is reporting to date but have no success. I do not receive mail, do business or reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. In fact, My only correct address is XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX which is listed on my drivers license that I have sent into Experian via certified mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is inaccurate, and Experian is reporting inaccurate information. Inaccurate reporting violates the FCRA. 

The only address that should be listed is as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. Proof of this address was enclosed in a certified letter mailed to Experian in order to verify my only address. 

I request that they delete the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly 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 2022-02-21 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: EMCC Holdings, LLC
State: NY

Complaint narrative:
In XXXX of XXXX, I made my first attempt by calling Equiant Financial Services. I spoke with a representative who initially told me that they do not have an account on file with the information that I gave to them. So then, I went further to inform the representative that I will be recording the call and then to confirm that that the there was a fraudulent erroneous account being reported on my credit report. The representative then place me hold several times until he came back to say, he found an account with my information along with someone else 's. I informed him that any account in my name that I was not aware of should be closed immediately. He refused to close the account. He stated that because it was joint he could not do anything. He then said that I should mail in proof if I chose to dispute the account. I placed a security alert on my Credit Reports since XXXX for 2 years and renewed it again this year. I tried mailing Equiant Financial Services a dispute letter to dispute the account and amount owed displaying on my credit report. The address that is showing on my report is invalid and non-existent. The letter was returned by the Post Office stating it is an invalid address and the back appeared to be opened and resealed. The address showing from my credit report for Equiant Financial Services is different from what XXXX is showing their address to be. Inaccurate information. My second attempt I wrote CFPB in XXXX XXXX and they wrote me back to submit my complaint online. I have since have no way of contacting this company by mail. This is against FCRA regulations. Any inaccurate and fraudulent accounts being reported on my credit report and that have been reported within 30 days and there has been no proof that this account belongs to me, the account should have been closed and removed from my report. Please follow-up for me and inform me of your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
After several requests and sending validation of debt letters, PRA continues to report on my credit. PRA has lied stating that they sent me copies of my contract showing proof that the accounts in question are mine and that I opened them when that is not true. PRA failed to supply EVERYTHING requested in my letters including signed documents/contracts and instead I have only received copies of bills and letters from PRA stating that they will no longer reply to my request. I do not think it's right that PRA can continue to report this disputed debt to all three credit reporting agencies, further causing damage to my character. They submit meaningless statements as if that should be enough while completely violating my rights as a consumer to receive ALL requested documentation per my debt validation letters. They claim to care about the consumer when in actuality, all they care about is screwing over people. I will continue to dispute these accounts until the situation is resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: MA

Complaint narrative:
Experian and XXXX are both in violation of the Fair Credit Reporting Act as they have provided no way to dispute hard inquiries. On the contrary XXXX does. 

In addition I have opted out of allowing companies to access my information on soft inquires, however Experian ignored my requests.

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 2022-02-21 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$920.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}. Inquiry : XXXX XXXX XX/XX/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