vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: MS

Complaint narrative:
Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts 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 2021-06-28 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: NY

Complaint narrative:
After reviewing your response, I would like to say that I am not using a credit repair firm and never have. I feel that the item listed in m y credit report are inaccurate, and I would like your company to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors' Protection Service, Inc.
State: MO

Complaint narrative:
Today I spoke with 2 individuals ( one named XXXX ) at CPS- Credit Protection Services , but I called back after hanging up on the first young lady as she was rude. I was informed that they could not send me another statement for services that they billed me for in XXXX. I'm not certain how a company is calling to collect on a debt that they are not willing to redisclose information on to the owing party but this practice is extremely alarming and frustrating. I was told I would have to write them to request a statement, something that is also alarming. I will not be paying anything nor requesting a bill for services they claim I had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2021 my credit file took a XXXX point hit for a collection on a debt by Midland Credit Management attempting to collect a debt for XXXX XXXX. I called the collection company and spoke to a manager who I assured this is a mistake. I also sent a Validation of Debt on this date. Every 7 days after the company reports to the credit bureaus which is damaging my credit trustworthiness. On XX/XX/2021 I took another XXXX point hit and I contacted the company again and they advised me that I needed to submit a police report for consideration of the debt to be removed. I told them the only police report related to my credit is a ex significant other using my XXXX XXXX credit car in XXXX. They told me they could not help. On XX/XX/2021 I took yet another derogatory mark from the debt collection company. I contacted them and advised them that they are almost of for the validation of debt which and gave them more information on the denial to obtain a report that didnt directly describe the account in question. I contacted the credit bureaus immediately after and found addresses, hard inquires and other suspicious activity and had them flag my credit activity as fraudulent activity. Midland Credit Management is now 6 days over the 30 days to provide me with a validation of debt and continues to falsely report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: IL

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner. 
I submit letter XX/XX/XXXX and havent gotten a response yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
The credit companies are not complying with their own policies in a timely manner. 
I submit letter XX/XX/XXXX and havent gotten a response yet

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 2021-06-28 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 wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete 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 2021-06-28 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: IL

Complaint narrative:
I wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: NY

Complaint narrative:
After reviewing your response, I would like to say that I am not using a credit repair firm and never have. I feel that the item listed in m y credit report are inaccurate, and I would like your company to investigate.

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 2021-06-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a reponse. 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. The items I have provided in my letters I am asking you to be deleted immediately please help or I will have to file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I have contacted Caine and Weiner on XX/XX/2021 to dispute this erroneous debt that was placed on my credit reports in error. I am seeking remedy for the violations listed below. I will also Include physical documents that were mailed to Caine & Weiner on XX/XX/2021. 

1. Affidavit of Truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor booth public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of alleged information listed on your site in order to avoid me receiving further injury, damages, and mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that ( CAINE & WEINER ) is in violation of 15 USC 1692b. ( 5 ) and 15 USC 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that ( CAINE & WEINER ) is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b. ( 2 ) Thank you, 5. I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge. 

On the date of XX/XX/2021 XXXX XXXX, agent, d/b/a XXXX XXXX came before me today present as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed therein.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CA

Complaint narrative:
Experian and XXXX credit bureau and others display fraudulent, inaccurate, information on their credit bureaus that is severely damaging to me. I have tried through more than XXXX different disputes submitted to both bureaus to have this harmful degrading information removed. 
The subscriber is XXXXXXXX XXXX, account number XXXX. 
Both bureaus possess the same historical and balance information here. I have only included a third party report, an Experian product, as XXXX, -- -it is difficult and time consuming to get a new report because I am blocked by XXXX in their new ridiculous EXTRA SECURITY system ; that if I get interrupted while in the middle of their newly lengthy process to get anything done, I WILL FOREVER BE BLOCKED ... THEN I HAVE TO CALL XXXX WITH UNBELIEVABLY LONG HOLD TIMES TO GET UNBLOCKED. 
The point is of this recitation is that I am certifying that I have exactly the same reporting errors on XXXX and do not want XXXX to escape liability for their erroneous and fraudulent, damaging, relentless, reporting of false information on me. THE INFORMATION IS FRAUDULENT ON THE FACE OF THE RECORD TO ANY COMPETENT HUMAN WORKING IN THE CREDIT FIELD WITH A BARE MINIMUM OF INTELLIGENCE. THE BALANCE HISTORY FROM XX/XX/XXXX THROUGH XX/XX/XXXX AND ACCOMPANYING HISTORICAL INFORMATION CAN ONLY BE EXPLAINED AS THE WORK PRODUCT OF SOMEONE IN THE MIDDLE OF A XXXX  EPISODE. WHAT I MEAN ... ..IT IS IMPOSSIBLE FOR THIS INFORMATION TO BE CONSIDERED ACCURATE BY ANY REASONABLE PERSON. IT IS IMPOSSIBLE FOR THE INFORMATION TO BE CONSIDERED ACCURATE ... YET BOTH BUREAUS SIMPLY DO WHAT XXXXXXXX XXXX  WANTS AND VERIFY REPEATEDLY THIS ABOMINATION. 
SEE THE ATTACHED CREDIT REPORT FROM TODAYS EXPERIAN. EXPERIAN REPORT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 74 days and I have not received a reponse. 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. The items I have provided in my letters I am asking you to be deleted immediately please help or I will have to file XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
There are 2 accounts on my report I disputed. I explained this bank put these accounts on my report after my bankruptcy and they were included in the bankruptcy. Chex system Constantly states the bankruptcy was filed prior to the dates associated with the account. Yes it was in XXXX of XXXX and this company report XXXX of XXXX after they were included in the bankruptcy.

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 2021-06-28 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: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
Went to open a checking and Saving account on XX/XX/2021 at XXXX XXXX XXXX 
They ask for driver 's license and utility bill to verify your account/identity. We spoke, account was set up with at deposit and I left the office. About two weeks later, my reporting company that announces credit activity sent a hard credit inquiry by made by XXXX XXXX XXXX, this was done without my permission or consent. I called the company on or around XX/XX/XXXX and asked to speak with a Manager. The staff left a detailed message and the following day I spoke with XXXX XXXX the manager which acknowledge the pull without my consent and apologized, however did not know how to correct the unauthorized pull. I would have questioned why ( this is not a loan and 2 points of verification were given ) a credit score hard pull was needed and not open the checking/savings account if I knew. This was not an application for a loan/liability situation, just a situation for EFT or direct deposit were low liability is found. The rep XXXX XXXX did point out that they had many come for loans due to low rates. My questions then looking back is -- -does XXXX XXXX XXXX pull without consent or letting their clients/members their credit scores so then they can make a move in business and then " upsale '' so they can make money from the customer. This sneeky behavior should be investigated immediately as it # 1 Harms my credit score # 2makes a business move with the Credit Bureaus best interest not mind, I am aware of how to fix my credit and don't need you. If you care to help me, you would include me. # 3Removes consent by the customer The application form has no place were I need to sign or initial on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE Financial Services at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX has been sending me collection notices in the amount of {$200.00}. The collection has been reported as pasted due balance. I Do NOT know this company. I have never done any business with this company. This company does NOT have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have send this company a letter asking to remove all incorrect information on my report and have not receive any response.

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 2021-06-28 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD AND IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX  and Experian CRAs. On XX/XX/2021, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bank account was emptied by a person who pretend to be my web security technician, when I signed up for a web security contract with a legitimate web servicing company called XXXX XXXX XXXX This perpetrator called said he's from XXXXXXXX XXXX XXXX company and has the same accent as the other persons in the company. Their telephone number is : XXXX. I had screen share with this perpetrator with my computer. When I found out my bank has been emptied, I contacted Chase and they said that they can not reimbursed my account because it was not their fault that my account was hacked. I have been a customer of Chase for more than twenty years. I was not treated well with this incident. They have insurance but they refused to help me. Please help me. {$43000.00} is a very large amount for me. That's practically all I have. I wanted to use this money to paid my one year back rent. Now I have to borrow money from my family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD AND IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XXXX2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation