vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Hello I have reached out to Caine & Weiner several times requesting debt validation and have received no response and they continue to report inaccurate information on my report which is a violation of the XXXX  and violation of the Fair Debt collection practice. This company is violating my consumer rights and causing defamation of character making it difficult for me to purchase a home. XXXX and XXXX removed the account and it came back a few days later like a brand new account. Still no debt validation no contract or anything bearing my signature that I owe them anything. I have not done business or signed anything with Caine & Weiner. If I have done business with them why is it so hard to validate the debt that I have wrote several letters requesting this information. My claim continues to be ignored and this is a violation of my consumer rights if I owe the debt please show me validation of the alleged claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have been in contact with Rash Curtis & Associate and thier attempt to collect a medical debt. In the first place I told them the debt wasn't mine, as well as the major XXXX bureaus. I asked for signed copies of my XXXX release which nobody provided. They kept saying that it was verified and I kept writing letters. I contacted the company directly by mail and they sent me an updated bill of medical services that I've never been seen for, with an address that I never lived at from the state of AZ. I've dealt with having my identity stolen before and this feels like a remnant of the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continuously reporting on mu Credit Report. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXX Balance $ XXXX Opened : XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I closed a mortgage refinance. A condition of this loan was that I pay off my car loan financed with Ally Financial. Rather than ask for a payoff amount, the mortgage company took the payoff amount from the credit bureau report, which was 2 months behind. Additionally, there was another payment due, which I paid as directed, even though I knew the loan was overpaid and would be paid off before the next payment was due. The check was payable directly to Ally Financial. My loan was paid in full on XXXX XXXX, XXXX. I called when I saw the loan was paid online, and was told the overpayment was {$1200.00}, and it would take about 18 days to get the check in the mail. I waited the 18 days and called again. This time I was put on hold, and after a long pause was told that the previous representative was mistaken. It could take up to 90 days to get my overpayment returned to me. This is ridiculous. This is my money. I never was late with a payment, I kept my agreement with Ally. How can they keep my money? Since that time the title has been returned to me, I received a refund of the XXXX insurance for {$250.00}, but no refund for the overpayment of my loan. I called again, and was told it could be another 60 days. Really? How can this bank keep my money? Are they going insolvent? Have they spent MY MONEY and can not send it to me? I am paying interest on this money, since it is now a part of my mortgage loan, but I do not have use of it. Ally should be paying me interest. I made such a fuss to the representative that she put me on hold and said she asked it this could be expedited, and was told no. I would think banks would love a client like me, but I will never finance a car through Ally again. If this is the only bank a dealer has to offer, I would walk away from a deal because there is something very wrong with Ally Financial.

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 2021-11-29 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: PA

Complaint narrative:
Hi This is XXXX XXXX, I have sent you a dispute letter XX/XX/2021, but to this day, over XXXX months have passed but I still have not heard anything from you. I am attaching the same letter for you to see and you may wan na check your records. I need this messed to be removed from my report so please do investigate them and delete if you can not provide me proof the support those claims. I will check with you after XXXX days, Thank you!

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 2021-11-29 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:
Hi This is XXXX XXXX, I have sent you a dispute letter XX/XX/2021, but to this day, over XXXX months have passed but I still have not heard anything from you. I am attaching the same letter for you to see and you may wan na check your records. I need this messed to be removed from my report so please do investigate them and delete if you can not provide me proof the support those claims. I will check with you after XXXX days, Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: CA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXXXXXX XXXX XX/XX/21, XXXX XXXXXXXX XXXX  XX/XX/21XXXX 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

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I pulled my credit report and i found outdated and incorrect information. I am attaching a letter for my profile to be updated correctly. My family has a lot of like information and I am concerned thst my credit report is being merged with someone else 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Update : XXXX took XXXX small action to address the Identity Theft related hard inquiries on my report. XXXX XXXX  TRANSUNION FAILED TO TAKE ANY ACTION WHATSOEVER. 




I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. XXXX, XXXX, Transunion and their executive branch, the Consumer Data Industry XXXX XXXX which XXXX them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an XXXX XXXX which is exactly what they are - a XXXX XXXX. How the XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least XXXX or XXXX times across the XXXX plus XXXX. This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous XXXX XXXX. WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or XXXX. I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. Then, the XXXX refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. This XXXX XXXX  must be SHUT DOWN!!

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 2021-11-29 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:
I recently checked my credit report and noticed inaccurate and fraud information on my credit report. I have called and disputed the information on my credit report and has provided proof. Experian, XXXX and XXXX are reporting inaccurate and untrue accounts on my credit report. I called each company and the companies referred me to file a dispute with the credit bureaus. The accounts that needs to be REMOVED AND DELETED are XXXX XXXX XXXX XXXX XXXX # XXXX. The XXXX  account is XXXX XXXX XXXX account # XXXX. I have never authorized these companies to obtain my information. I never signed and agreements with these companies for services, or goods. I was told to submit my XXXX  identity theft report along with proof of my identification and address. I followed through with all the steps to prove these accounts are fraudulent and I have never authorized these companies to obtain my credit information. I am unsure how they received my information.

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 2021-11-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters directly to the companies reporting the inaccurate information on my credit profile on XX/XX/21

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: TN

Complaint narrative:
There is an old cell phone bill on my credit report from IC Systems. They have not proven to me with a contract with my wet signature that it is indeed my bill or that I have a contract with them and agreed to owe them anything. However, there is a FEDERAL statute of limitations of only XXXX  years regarding phone bills and reporting them. The account I did have with the phone company in the past is past the federal statute of limitations. This collection agency is breaking FEDERAL law by refusing to delete this from my report. I have disputed it more then once and they claim valid and verified and refuse to delete and have not shown me any kind of physical proof to back up their claims. As I said cell phone bills are a special case and have a statute of limitations of only XXXX years on a federal level and they are breaking federal law by not removing this. It must be deleted from my report 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
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I noticed my credit score going down and when I checked my credit I realized I had Navy Federal Credit Union Credit Card on my report. This all took place in XXXX and I called them spoke with XXXX and she said she would put in an investigation, I also put in a dispute with all the credit collection agencies and they I just received a letter from them stating it was verified and this is my debt. I know it's not mine and I told them as well. I never opened anything with the Navy, I've never worked with them neither have anyone in the Navy. The address they have or sent the card to I do not know, they have a different phone number, different middle name, plus someone made a payment on the card which isn't me. I am a male, XXXX XXXX XXXX XXXX and they said it was a Ms. ( Female  ) that opened the card. They can track to tell where the funds went and who paid it and they will see I have no connection to this card. Unless this Navy company is a fraudulant company or it's an insider job and they are getting away with fraud. I truly need your assistance to resolve this because it's messing with my credit, which is very upsetting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio Recovery notified me that they were collecting on an account with XXXXl XXXX. I asked them for validation of the debt XXXX times and so far they have only sent me a bill. The are also in violation for report a charged-off account as past-due. Under the FDCPA only the original creditor can report an account as XXXX or 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: VA

Complaint narrative:
I sent in a dispute dated XX/XX/2021 I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Equifax still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquiries from my consumer report. I understand that Equifax has assumed the role that they have but them disregarding me and my disputes and not following the rules of XXXX is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per XXXX guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Equifax is attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report Equifax also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Equifax did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which XXXX has drawn out, i have attempted to fix this directly with Equifax and i have been disregard

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capitol One XXXX opened XXXX XXXX late payments from XXXX Want to have them removed please. It has been 5yrs, payment history is exceptional now. 

Capitol One Quicksilver-opened XXXX XXXX late payments, it has been 5yrs, would like removed.payment history is exceptional now. 

XXXX XXXX-Opened XXXX XXXX late payments. payment history is exceptional now. 

XXXX XXXX XXXX XXXX-Paid in full, still shows on Report, need removed. 
I dont have amounts..to long ago XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continuously reporting on mu Credit Report. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief