vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX. I am writing this complaint in my capacity as a federally protected consumer to formally lodge a complaint against Caine & Weiner regarding their collection practices related to account number XXXX. I wish to bring to your attention the abusive, deceptive, and unfair tactics that have been employed in the process of collecting extensions of credit. 

It has come to my attention that there might be a conspiracy between Caine & Weiner and certain consumer reporting agencies to restrain trade and commerce through unjust practices. These actions have raised concerns about potential racketeering activities involving this debt collection agency. 

At no point have I granted authorization for Caine & Weiner to possess my nonpublic personal information. Furthermore, I disavow any purported agreement or contract between myself, the consumer, and the original creditor, whether explicitly stated or implied. I must emphasize that the account in question is a result of a billing error. 

I am deeply troubled by the tactics employed by Caine & Weiner, which appear to be in violation of the False Claims Act. These practices are not only jeopardizing my consumer credit reputation with other financial institutions but are also raising concerns about the legitimacy of the alleged debt that has been presented to coerce payment. It is important to note that any payments made or contemplated in the future are solely due to the undue influence, threat, duress, and coercion that have been applied. 

As stipulated in XXXX XXXX XXXX XXXX ( c ), I am asserting my legal right to refuse payment of this debt. I hereby demand an immediate cease and desist of all illegal activities, communication, and collection endeavors associated with this and any alleged debts until such time as Caine & Weiner can provide sufficient documented evidence that I bear a legitimate legal obligation to remit payment. Should this evidence be unavailable and Caine & Weiner persists in their collection efforts, I am prepared to initiate legal proceedings to seek reparations for the actual damages incurred. 

This letter serves as a formal notice of my intentions. Caine & Weiner 's actions may potentially lead to litigation for violations of various acts, including but not limited to the TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC Act, and RICO Act. 

I anticipate your prompt attention and a timely response to this matter. Please be aware that your cooperation is not only requested but also legally required, as outlined in accordance with UCC 1-202f. I look forward to receiving the appropriate documentary evidence and resolution to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Consumer law stays that all consumer should have a equal and fair credit report, ,I paid for service and my credit score should be equal to rapid rescore,,, I have children and need a home for mortgage and also as well as a business, my score should be up by 100 or more, XXXX,,, please update my rapid rescore for credit for mortgages and business,,

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 2023-08-05 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:
My consumer rights have been violated. XXXX XXXX XXXXXXXX The credit bureaus violated my given rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. This account is not mine and has been opened fraudulently.

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 2023-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-08-05 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: LEXISNEXIS
State: TX

Complaint narrative:
I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: MI

Complaint narrative:
I have a big concern on how all 3 credit Bureaus aren't updating my credit report, like when my student loans of {$43000.00} and my credit card amount was up and all 3 credit Bureaus mostly based my credit score to go up only on my credit card being lower and to me, my credit score should have went up because {$43000.00} of my student loan amount was paid off and it was higher than my credit card amount. Plus I had refinance my auto loan from XXXX XXXX XXXX XX/XX/2023 and XXXX never updated that my auto loan was paid off and I had to dispute it and XXXX took there word stayed open on my credit report and I had to dispute again XX/XX/2023 to get it to say it's paid off and I show them proof that the amount of owing XXXX XXXX XXXX was false and show them the proof of {$24000.00} was paid off but XXXX still showed the false reported amount from XXXX XXXX XXXX and XXXX had shown that I had 2 auto loans open from XXXX to XX/XX/2023 and the other concern like I said above now that credit acceptance is paid off and credit card amount was up and by my auto loan was paid the credit Bureaus didn't up my credit score from that but only by the credit card amount being lower that's not right

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 2023-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
PHH AND THE HACKERS THEY PUT ON ME ARE CURRENTLY ILLEGALLY HACKED INTO THE PUBLIC COMPUTERS AT THE XXXX XXXX XXXX IN XXXX XXXX XXXX PREVENTING ME FROM DOWNLOADING THEIR FRAUDULENT DOCUMENTS THAT THEY ILLEGALY HACKED INTO THE DEEDS AND RECORDS DEPT. AT XXXX XXXX COURTHOUSE HERE IN XXXX XXXX AND PLACED TO FRAUDULENTLY AND ILLEGALLY FORECLOSE AND THEN EVICT ME FROM MY PROPERTY AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THE ATTACHED DOC IS 100 % FRAUD AND THEY ARE PREVENTING FROM SUBMITTIN IT TO SHOW EXACLTY THE CRIMNAL AND ILLEGAL HACKING THAT THEY ARE DOING TO HOMEOWNERS HACKING IN AND FILING FALSE AND FRAUDULENT DOCS IN A COURT OF LAW TO EVIC, STEAL, AMD THEN FRAUDULENTLY SALE HOMEOWNERS HOMES. 

WHEN IS THE FBI AND OTHER LAW ENFORCEMENT AND REGULATORY AGANCIES GOING TO GET INVOLVED AND CRIMINALLY CHARGE THESE HACKERS ALREADY?!!!! 

THESE HACKERS NEED TO FACE CRIMINAL CHARGES ALREDY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Asset Recovery Solutions, LLC
State: LA

Complaint narrative:
After I did not take their calls about a debt in collection Assets Recovery Solutions sent the following misleading text message on XX/XX/2023 at XXXXXXXX XXXX Central Time to try to get me to respond : Dear Beneficiaries of XXXX XXXX XXXX ( Late ), We have important information regarding unclaimed property associated with the estate. 

Property # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Description : Mature CD or Save Cert To claim the property, please contact XXXX XXXX XXXX XXXX. 

For assistance with assets recovery, you can also reach out to XXXX XXXX XXXX ( Director ) at XXXX or visit XXXX 

Thank you. 

XXXX XXXX Assets Recovery Solutions XXXX XXXX XXXX XXXX, New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In XXXX of 2023 I noticed some transactions of XXXX XXXX and XXXX were charged to my credit card. I contacted Synchorny Bank about these charges and they said that they would help me with these charges. Yet to this day, they have not helped me at all. On XX/XX/2023 they contacted me about a missing payment of {$40.00}. I made this payment on XX/XX/2023.

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 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Since XX/XX/XXXX Wednesday Capital one suddenly blocked my access to my checking and savings accounts. It's now Saturday XX/XX/XXXX... For XXXX days in a row I've been calling and calling the bank because NO ONE will talk to me or return my calls, they keep sending me to a voicemail. Yesterday I finally was able to get to a live person named " XXXX '' who said they don't know what's going on and sent me BACK to the voicemail. Today I've left my XXXX voicemail! Capital one has NOT sent me anything by email, or mail or text or phone call, just nothing stating anything is going on with my account or why or anything! They won't even talk to me! What is going on?!! I'm a single parent with XXXX kids and school starts Monday! I have no way to access my money and they won't even have the decency to talk to me to tell what is going on!!! They are holding my {$1400.00} in the savings and checking accounts hostage! How is this legal!?????? The fact that I keep being sent to A voicemail is unbelievable! Please help me get this corrected because now I'm going to miss paying my bills and create horrible hardships in my life. Please please I'm begging for someone to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: IL

Complaint narrative:
XXXX XXXX was not a company I'm familiar with, I do not own them money nor have any contract with them. 

According to Fair Credit Act 15 USC 1681

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 2023-08-05 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: OH

Complaint narrative:
I sent a second certified dispute to XXXX, XXXX, and TransUnion on XXXX/XXXX/203 regarding an unverified account on my credit report. XXXX XXXX XXXX is on my credit report the credit reporting agencies claimed was verified. I did a direct dispute with the creditor as advised by XXXX only for the mail to be returned. This also is a medical debt that is below {$500.00} and under the XXXX XXXX XXXX, it should not be reported.

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 2023-08-05 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: OH

Complaint narrative:
I sent a second certified dispute to XXXX, Experian, and XXXX on XXXX/XXXX/203 regarding an unverified account on my credit report. XXXX XXXX XXXX is on my credit report the credit reporting agencies claimed was verified. I did a direct dispute with the creditor as advised by XXXX only for the mail to be returned. This also is a medical debt that is below {$500.00} and under the XXXX XXXX XXXX, it should not be reported.

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 2023-08-05 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: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I just seen on XX/XX/XXXX the jvoennys is reporting that I opened a new credit card. I DID NOT

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 2023-08-05 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: MD

Complaint narrative:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULENT TO MY CREDIT REPORT. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: VW Credit
State: WV

Complaint narrative:
Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under I C SYSTEM and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

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 2023-08-05 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: TX

Complaint narrative:
Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXXXXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met. 
As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section XXXX of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. 
Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. 
I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. 
Thank you for your cooperation.

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