vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Caine & Weiner contacted me by mail on XX/XX/XXXX to inform me of their intent to collect a debt identified as {$390.00} to XXXX for RA + LEGAL FORM RENEWAL 1 YEAR. I sent them a Debt Validation letter by mail on XX/XX/XXXX, which is within the required 30-day window to dispute the validity of the debt. In this letter I informed them that I do not have any responsibility for this debt, and asked them to provide documentation supporting the validity of the debt, including : ( 1 ) My agreement to pay recurring charges from the referenced entity, ( 2 ) The specific time period for which the charges are claimed to be valid, ( 3 ) Documentation that I accessed or used the services for which the entity is claiming the amount owed, during the time period for which it is claimed, and ( 4 ) Documentation that they are licensed to collect this debt in New Jersey. They did not respond to this letter. The contacted me again by email on XX/XX/XXXX requesting that I pay {$390.00}. I responded the same day by email informing them that it is a violation of the FDCPA to continue contacting me about a debt without providing the documentation I requested. I included a PDF copy of the Debt Validation letter for their records. They again did not respond. They contacted me once again on XX/XX/XXXX offering to settle the debt for {$310.00}, again failing to provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Received notice from Caine & Weiner about an allegation of a debt owed. There was no sufficient evidence to support or verify the debt belongs to me. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian and XXXX are reporting factual errors on my credit report from Company XXXX account # XXXX Experian and XXXX are reporting inaccurate High Credit, Inaccurate Credit Limit, Inaccurate Date Last Active, and inaccurate Date of Last Payment, these errors and inaccuracies are a direct violation of the FCRA so this account should be deleted from my credit report immediately and permanently. I will attach my Valid Hawaii State Drivers License, my Social Security Card, and a Copy of my Utility Bill for Proof of Identity and Residency.

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 2022-03-01 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
the following accounts are on my credit report as charged off. they were included in a XXXX  XXXX bankruptcy. I sent letter ( XX/XX/21 ) to them. But most updated my credit report incorrectly. changed the balance only to zero but still left it as charged off. TD bank USA/Target sent a letter saying they were going to update the credit report but have sold it. they are as follows. 
td bank usa/ target, XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  oh XXXX XXXX XXXX XXXX, same as above XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  oh XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2021, I was erroneously told that if I dispute accounts in my credit report I might be able to get rid of some of them especially the ones in collection. So I disputed most of them. 

2 months later, I apply for a mortgage with m y husband and was told by the mortgage company that I need to remove the disputes off my credit report to get an approval. 

for the the past 3 weeks I have made over 100 phone calls to all credit bureaus, their dispute departments and their executive customer service teams. I also contacted merchants, collection agencies and everyone you can think of. I was able to remove one of the remarks. every time I called, I was promised better help yet to find that almost all dispute marks are still on the report.

I heard so many excuses that the creditor asks for it to report again, to I don't know what happened, or the dispute remarks could not be removed.

I respectfully request all 3 credit bureau to remove all dispute remarks from my credit report as I no longer dispute the accounts. I need this asap so that the mortgage company can look into my mortgage application. 

My SS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2022-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2021, I was erroneously told that if I dispute accounts in my credit report I might be able to get rid of some of them especially the ones in collection. So I disputed most of them. 

2 months later, I apply for a mortgage with m y husband and was told by the mortgage company that I need to remove the disputes off my credit report to get an approval. 

for the the past XXXX weeks I have made over 100 phone calls to all credit bureaus, their dispute departments and their executive customer service teams. I also contacted merchants, collection agencies and everyone you can think of. I was able to remove one of the remarks. every time I called, I was promised better help yet to find that almost all dispute marks are still on the report.

I heard so many excuses that the creditor asks for it to report again, to I don't know what happened, or the dispute remarks could not be removed.

I respectfully request all 3 credit bureau to remove all dispute remarks from my credit report as I no longer dispute the accounts. I need this asap so that the mortgage company can look into my mortgage application. 

My SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2022-03-01 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-03-01 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial has been harassing me to pay a debt that does not belong to me, Violated hippa and sent incrimanating medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: DE

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I opted - out from receiving offers, the sale/resale and the suppression of any information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I linked my XXXX XXXX XXXX account to my newly opened Chime account. On XX/XX/XXXX I transferred {$16000.00} into my Chime savings account. On XX/XX/XXXX I attempted to transfer {$10000.00} from my Chime checking account back into my previously linked external XXXX account. 

Upon further review, I noticed that the last four digits of the XXXX account did not match any of my XXXX account information. I immediately contacted Chime support and tried to cancel the transfer. Chime notified me that the transfer had settled and I must file a dispute. I filed a dispute with the claim ID XXXX on XX/XX/XXXX. 

First thing Monday morning I contacted Chime support for an update about my claim and was told a claim did not exist. I then filed another claim with the ID XXXX and was told a resolution would be found by XX/XX/XXXX. 

I received an email on XX/XX/XXXX at XXXX notifying me that Chime found no error, no funds would be credited to my account, and the claim is considered closed. 

It has been less than 12 hours since the second dispute has been filed. I do not believe that less than 12hours is an adequate amount of time for a proper investigation. Chime has estimated up to 10 days to provide documentation of the dispute decision. I have requested a copy of the dispute documentation but Chime has failed to provide it at the time this complaint is being filed. 

Chime connected an unknown external account to my account then did not file a proper claim. This gross negligence has resulted in a considerable financial personal loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
I have new and updated information concerning Equifax. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was living at XXXX XXXX XXXX where my contract was voided out due to the apartment being infested with mold. I have a written notice from the apartment manager where I wouldnt be charged upon leaving. I now have {$230.00} on my credit. I sued the company for damaging my credit, loss of personal belongings, and medical costs for XXXX XXXX XXXX. A judge awarded me {$5100.00} however the apartment complex did not pay or remove the damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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:
The EQUIFAX credit reporting agency is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The accounts listed below are inaccurate. EQUIFAX has not taken the correct steps to evaluate the information. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: NY

Complaint narrative:
I am so puzzled of what is happening with you ( CFPB ) and the bureau ( TRANSUNION ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX XXXX XXXX XXXX  It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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
Consumer complaint received 2022-03-01 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: DE

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Account was opened : XX/XX/XXXX Account Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: NJ

Complaint narrative:
I did not apply for credit with these companies and I do not know about theses inquiries on my credit report. In accordance with the Fair Credit Reporting Act ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 620 A : States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Responsibilities of Furnishers of Information To Consumer Reporting Agencies [ 15 U.S.C. 1681 Section 623 Section 2 ] ( a ) Duty of Furnishers of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
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 2022-03-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not apply for credit with these companies and I do not know about theses inquiries on my credit report. In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 620 A : States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Responsibilities of Furnishers of Information To Consumer Reporting Agencies [ 15 U.S.C. 1681 Section 623 Section 2 ] ( a ) Duty of Furnishers of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

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 explanation