vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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 an account on my credit report from collection agency Caine and Weiner whom I never opened an account. The account # is XXXX the original creditor is XXXX it was open XXXX the balance owed currently is XXXX and was updated XX/XX/year>. 
This is not my debt I would like to see XXXX of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting 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: AR

Complaint narrative:
I am not liable for this debt of {$29000.00} with XXXX XXXX XXXX IN Account Number : XXXX ; I do not have a contract with them and did not receive FUNDING, They did not provide me with the original contract as I requested with my wet signature and ID verification. Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit. Also the company is updating the balance of my account every few days which is against the law according to 15 U.S. Code 1692 ( a ) ( b ). I will attach screen shots of the info as well. This is my 2nd attempt to get this matter off of my credit report it is affecting my life and putting me in jeopardy of living a fair life. The recent update to the balance has dropped my credit score down XXXX points and I am ready to file a report with the Federal Trade Commission for illegal practices of my credit. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES IMMEDIATELY.

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 2024-08-05 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Requesting the removal of unauthorised inquiries on my EXPERIAN credit report. 
I am in XXXX XXXX, and are in the process of purchasing my first home and this information is harming my credit score and possibility of obtaining a lower interest rate.

Below are the unauthorised credit inquiries that need to be removed. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was scammed into unknowingly depositing 2 checks for XXXX on XX/XX/XXXX if i knew it was fake i wouldve avoided depositing it, next day the funds are in the account but i wasnt awake yet but some way a scammer had access to my XXXX account i never gotten a message about my XXXX being logged into and the data shows no login but the money of the two checks were withdrawn by the scammer into my XXXX and sent to his scammer XXXX after such happened i tried looking at my bank and come to see that it was closed for the checks im a XXXX i couldnt really wrap my head around the situation until i heard that i had to pay it back and i couldnt bank with Bank Of America again once i heard such my heart broke i tried calling various times to see if i can reopen one with them or if i can appeal/reverse the closure but they said its final

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 2024-08-05 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-05 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-05 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as Self-attestation letter according to XXXX ( b ) ( 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 2024-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
This is regarding ACIMA Holdings, LLC and ACIMA Digital, LLC ( collectively, known as ACIMA ). 
ACIMA offered me loan to purchase furniture at two locations in Maryland. The loan was presented to me at the point of purchase in stores as credit. 
The first loan / furniture value is {$3000.00}. It was issued on XX/XX/XXXX. As of today, I paid {$3800.00}. The unpaid amount on the account is {$4100.00}. This is over XXXX percent interest of principal. 

The second loan / furniture value is {$3200.00}. It was issued on XX/XX/XXXX. As of today, I paid {$3600.00}. The unpaid amount on the account is approximately {$4000.00}. This is over XXXX percent interest of principal. 
After paying over XXXX percent of the loan amount I realized that ACIMA consider that the agreement was a lease. Briefly, I am seeking help because ACIMAs purported leases were presented to me as credit. The merchants who are associated with ACIMA provided to me misleading statement regarding the nature and terms of loan agreements which affected my understanding of the terms and conditions of those agreements. Consequently, misrepresentation of loan agreement by the ACIMA associates effectively locked me into these high-cost financing arrangements by making it difficult to settle the loan even though I paid over XXXX percent of the loan amount. 
On XX/XX/XXXX, I contacted ACIMA customer service to discuss my options to resolve/ settle these loan accounts because I have already paid more than the value of furniture / loan. In addition, on XX/XX/XXXX, I emailed ACIMA customer service to request to settle the loan. However, my request was unsuccessfully. 
I am kindly request your assistance to resolve this debit trap that significantly affects my family wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uplift, Inc
State: TX

Complaint narrative:
Request for 1099-C Cancellation of Debt and Removal of Account I am writing to formally request the issuance of IRS Form 1099-C for the cancellation of debt related to my account with Uplift/Cetlic Bank. Additionally, I am requesting the immediate removal of this account from my records. Listed below are the alleged accounts in question : To ensure full compliance with applicable laws and for the purposes of verification, I am also requesting the following : 1. Information on who the alleged debt was sold to, including details of the sale to XXXX XXXX. 
2. Copies of all documents related to the origination of the alleged debt.

3. A detailed account history that includes all transactions, fees, interest rates, and any other relevant information.

4. Confirmation that the alleged debt information reported to credit reporting agencies is accurate and complete.

5. A statement of the account reflecting all charges, payments, credits, and the outstanding balance.

6. Issuance of IRS Form 1099-C if any portion of the debt has been canceled.

Furthermore, it has come to my attention that UpliftXXXX XXXX  has reported the sale of the debt to XXXX XXXX XXXX This action constitutes a violation of federal regulations, and I am requesting immediate removal of the record of sale. 
Please note that it is illegal to report earned income from the canceled debt if it has been charged off and reported as such on my credit report. If Uplift/XXXX XXXX has already written off the debt as a loss, it can not simultaneously report it as a charged-off debt on my credit report and claim it as earned income. This constitutes a violation of federal regulations and consumer protection laws. 
This request is being made in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Truth in Lending Act ( 15 U.S.C. 1602a and 1602p ). As such, I expect a timely and legally compliant response within the period specified by these laws.

Failure to provide the requested information and documentation within the mandated time frame will be considered a violation of my rights under federal law. 
I look forward to your prompt attention to this matter and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received notice from a company called XXXX claiming I owed a debt, with a form to request validation of the debt. On XX/XX/XXXX, I sent the verification request letter which I will attach. I sent the letter via certified mail, which was received by the debt collector on XX/XX/XXXX as shown on XXXX records. The law states that no further debt collection attempts can be made until the debt is verified. On XX/XX/XXXX, I received a text from XXXX attempting to collect the debt, which is in violation of the law. I later received a letter, dated XX/XX/XXXX from Resurgent Capital Services stating that they manage the account for LVNV funding, and that the account is being serviced by XXXX XXXX, and would be sending documentation. I received another letter dated XX/XX/XXXX stating that they had enclosed the account summary which provides verification of the debt. Inside was a couple pages from a XXXX XXXX credit card statement, for a billing cycle of XX/XX/XXXX to XX/XX/XXXX. The statement balance on the billing statement was {$750.00}. The balance that Resurgent/LVNV/XXXX  states is owed is {$1000.00}. The statement they sent does not reflect the amount they are claiming is owed, they did not send the original agreement as requested, they did not send the last billing statement as requested, and did not send any evidence of any extra charges that were added since the last billing statement. I also believe that the changing of companies is being used to intentionally be misleading, and confusing in order to trick me into paying a debt that they do not have proof I owe, of either the debt or the amount they state that I owe. I believe that the actions of the company, especially the clear cut contact within the dispute period, violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 



XXXX XXXX XXXX XXXX *Account only present on transunion* inaccuracy Cares Act- Late payments XXXX, XXXXXXXX XXXX XXXX day XXXX on XXXX XXXX shows different *12 late payment inaccurate Also XXXX XXXX XXXX XXXX  Different account number XXXX XXXX XXXX XXXX 8 late payments XXXX balance Account paid on time XX/XX/XXXX XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX XXXX Shows 3 late payments XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXTransunion Shows 6 late payments XXXX 6 late payments different account number* Inaccuracy

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 



XXXX XXXX XXXX XXXX *Account only present on XXXX inaccuracy Cares Act- Late payments XXXXXXXX XXXX XXXX XXXX  day *Equifax on XXXX XXXX shows different *12 late payment inaccurate Also XXXX XXXX XXXX XXXX Different account number XXXX XXXX XXXX XXXX  8 late payments XXXX balance Account paid on time XX/XX/XXXX XXXX XXXX Equifax Also XXXX XXXX XXXX XXXX XXXX Shows 3 late payments XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX Shows 6 late payments *Equifax XXXX late XXXX XXXX account number* Inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}

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 2024-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I was in a XXXX  XXXX XXXX XXXX in XXXX, and the other party was found XXXX XXXX at fault ( they did an illegal U-Turn in the middle of the highway ). USAA has withheld my insurance claim funds in the following 2 instances : 1. Medical : I paid approximately $ XXXX for my XXXX  sons XXXX out-of-pocket, have provided USAA with receipts from the XXXX, my sons XXXX, and they continue to withhold disbursement. It has been over 5 months. 2. I paid a {$500.00} deductible, but the other party was XXXX XXXX  at fault, I should not be liable for the deductible, they should be. 3. I sent ( 5 ) legitimate comparable listings per their company policy that warranted them providing an additional ~ XXXX XXXX  for the total loss over their lowball payment. They refuse to consider this, and are significantly underpaying for the total loss despite objective comparable listings that meet their policies. Altogether, they are withholding approximately {$6000.00} from me. At a minimum, I need reimbursed for my sons medical bills immediately.

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