vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: WI

Complaint narrative:
Dovenmuehle employees getting kickback from a crook  that stole XXXX XXXX XXXX XXXX XXXX see XXXX XXXX then XXXX {$6.00} bill tax asset.  " 08extraordinary year 'XXXX wink Stolen from U.S.! so he has cash to buy off Dovenmuehle with kickbacks. He is buying home for XXXX the value of a stolen XXXX XXXX valued home of a senior citizen!! 
identity theft, ( driver 's license stolen and forged deed ) she made payments for 42 years on the same Property, the Identity theft, forgery, deemed Credible by fbi XXXX office, SEC XXXX XXXX Id theft guy Stole {$80000.00} cash out stolen 2 recent mortgages identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Investigation took more than 30 days
Company: DFC Global Corp.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company MONEY MART account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and XXXX  I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed a dispute regarding incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been checking my credit reports and noticed negative accounts being reported. I have written letters via certified mail to the company asking for the company to please verify the account they are reporting is actually mine since I have no knowledge of these accounts. Per Fair Credit Reporting act the company has 30 calendar days from the time the letters are received to verify the account and send me proof. They did not do this. They also must report to the bureaus they are reporting to that the accounts in question have been disputed. They also did not do this. That is a major infringement on my rights and they have broken federal laws. I have time stamped documents of all communication with this company. I have informed these companies of the laws they have broken and asked them to remove the negative accounts they are reporting and they have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
SOMEONE WHO HAS STOLEN MY IDENTITY AND HAS PUT A CAR LOAN AND OTHER CREDIT IN MY NAME USING MY INFORMATION AND NOW THE DEBT IS BEING SHOWN ON MY ACCOUNT IS BEING OWED BY THE WRONG PERSON. THOSE ACCOUNT DO NOT BELONG TO ME NOR DO I HAVE ANY CONTRACT WITH ANY OF THE CREDITORS ON MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: MO

Complaint narrative:
I sent in a letter to have unauthorized fraudulent inquiries removed from credit report to XXXX I asked them to investigate them and have them removed.

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 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, the following agency I.C Systems they have reported a new account on my credit report. I never entered into an agreement with this agency please investigate this fraudulent attempt on a collection of debts on my credit profile. My next course of action is to file a complaint with my States Attorney General Office. Please investigate this company as soon as possible.

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 2021-05-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results.

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 2021-05-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: NC

Complaint narrative:
Old charge-off by XXXX XXXX sold to XXXX XXXX, sold to XXXX, in-house entity of XXXX XXXX, paid old debt off in full, got receipt from XXXX n a release from XXXX XXXX, been sent multiple times, it's the last debt I owe anyone so kindly acknowledge that because you folks r doing nothing more than holding me back from improving my life further because of this one credit " roadblock '' that has been paid in full n released from the creditor months ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX  XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-02 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company CAPITAL ONE account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America responded to my complaint without any evidence that they tried their best to solve this issue. I highly doubt that they even read my complaint fully. From their respond I understood that my intended recipient XXXX XXXX have received money that I have sent through XXXX on XXXX XXXX. Bank of America responded that they have contacted to XXXX XXXX XXXX XXXX to retrieve the money however they confirmed that the intended recipient, XXXX XXXX have received the money. Also they responded that, they have done everything right and executed transaction as I instructed and I shouldnt send money to someone that I dont know. First of all, XXXX XXXX is my legal spouse and I have sent our marriage certificate to Bank of America after their response to my complaint to prove that. And if they read my complaint I have written about it in my initial complaint letter Second, XXXX XXXX, my wife does not have account in XXXX XXXX XXXX XXXX and she never received the money. This is so illogical to go trough all this hassle if she already received the money on my side. This doesnt make any sense how they confirmed it. I can provide her contact information if they want to make sure my wife XXXX XXXX havent received the money and she doesn't have any account at XXXX XXXX XXXX XXXX and never ever had one. She has couple bank accounts with Bank of America. I also sent them police report which I tried to seek my local town police department help after I realized how useless is our financial institutions like Bank of America on helping me out and retrieving my money. That money supposed to be our mortgage payment and suppose to go to my wife, XXXX XXXX and it never did. Instead someone who has account at XXXX XXXX XXXX XXXX and owns my wife 's old phone number received it. He made sure that he is not willing to give the money back after our local police contacted to that 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 monetary relief
Consumer complaint received 2021-05-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.

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 2021-05-02 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
my XXXX  credit report is showing i owe td auto finance XXXX dollars.?? 

but i dont understand how i owe td auto any money if the car was repo and sold at auction cause i saw this car was sold on XXXX so the balance should be XXXX 

i do not owe td auto any money..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I received a summons from Midland credit management from an old credit card debt. I requested validation of the debt, as I never received any information from midland credit. I saw in the information received that all of their communication was going to an incorrect address. I am uncertain how this address was obtained as it was my mothers address and I had not lived there in over 15 years. I was going to go through the lawsuit, and filed a counterclaim for this, but I decided to just drop it and requested a settlement with the law firm handling the matter in my state. I paid the agreed upon amount and the matter was settled and dismissed with prejudice. I still have a balance showing on my credit report. There was no update on the information saying it was settled for a lower amount. Also, their consumer bill of rights states that they will deleted the item within 30days of a payment i. Full or an agreed upon amount. Neither of these things happened. Below is a copy of the request I sent for this to be updated. I have also tried disputing the incorrect information on my credit report, but it is not changed. 
I have redacted personal information. 

This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply. 

We have received your inquiry with the following information : Type : Request for Change in Account Status Description : Hello on XX/XX/2021 I entered a settlement agreement with the law firm handling this account for your company. I paid {$1100.00}, this was deducted from the balance a few days later. However, my account status never changed. It should be listed as settled for a lower amount and then according to your consumer statement deleted from my credit profile in 30 days from payment. Please make the necessary updates to my account immediately. 

According to the form that you filled out, you have authorized MCM to send you emails. 

Thank you, Midland Credit Management This communication is from a debt collector. 

This automated response is the only thing I have received. I have yet to get a letter, email, or even a phone call regarding this matter. 

I feel that I am upholding every part of the agreement, but they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 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 — Investigation took more than 30 days
Company: Federal Financial Services Inc
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company FED FIN SVC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CA

Complaint narrative:
This company is reporting an account under my social security number which they claim was charged off. I have sent letters via certified mail to the company Formally disputing the debt and asking them to verify and send me proof the debt is mine. I received no proof. The only thing I received was a paper from them asking me to fill it out with information to help them find and locate the account in question. According to the fair credit reporting act the burden of proof is on the creditor and not the consumer. Furthermore, the information they requested was already included in the original letters sent via certified mail. Per FCRA, The Creditor must report the account as formally disputed to the three major credit bureaus within 30 calendar days. I have time stamped credit reports showing they did not report the account as disputed. I asked the company to delete and remove the information they were reporting and received nothing but the same letter asking me to help them find the account they were reporting. There are major federal laws that were broken and infringement on my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XXXX ; XXXX, the company Merchant 's Credit Guide Fraudulently reported on my credit profile that I am in debted to their company. I never entered into an agreement with this agency, please remove this collection, or I will be forced to pursue litigation. The next steps are to file a Complaint with the State Attorney General Office in my State.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: NC

Complaint narrative:
Old charge-off by XXXX XXXX, sold to XXXX XXXX, sold to XXXX, in-house entity of XXXX XXXX, paid old debt off in full, got receipt from XXXX n a  release from XXXX XXXX, been sent multiple times, it's the last debt I owe anyone so kindly acknowledge that because you folks r doing nothing more than holding me back from improving my life further because of this one credit " roadblock '' that has been paid in full n released from the creditor months ago!

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 2021-05-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation