vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
XXXX and Caine Weiner is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. XXXX, Caine Weiner and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX transferred the account in reference without lawful authority to Caine Weiner which is a violation of code 18 USC 1028 ( a ) ( 2 ). Caine Weiner obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Caine Weiner and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Caine Weiner does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Caine Weiner is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Caine Weiner that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Caine Weiner has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I don't know who this debt belongs to, they just put this on my credit report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: VA

Complaint narrative:
I have mailed each bureau 7 letters and made approx. 24 phone calls to get this matter cleared up. They continue to report inaccurate information and I have told them I did my research as a US citizen and it is illegal to report inaccurate and misleading information per FCRA. I also asked them to verify the information per FCRA 15 usc 1692g and they continue to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have mailed each bureau 7 letters and made approx. 24 phone calls to get this matter cleared up. They continue to report inaccurate information and I have told them I did my research as a US citizen and it is illegal to report inaccurate and misleading information per FCRA. I also asked them to verify the information per FCRA 15 usc 1692g and they continue to ignore me.

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 2022-11-14 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: NC

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 U.S.C 1681 XXXX  XXXX Original creditor : XXXX XXXX XXXX amount for {$520.00} XXXX  XXXX Original creditor : XXXX XXXX XXXX for {$75.00} XXXX XXXX XXXX- the amount of {$50.00} XXXX XXXX XXXX  the amount of {$1800.00} 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was contacted by an individual to purchase my vehicle. The person sent a personal check that was held and then released by my financial institution. After this money was released into my account, the funds were then transferred to Capital One to pay off the remainder of the loan. Once the loan was marked as paid off, the bank contacted me that the check was fraudulent and that the transaction would not be honored. If Capital One does not stop the payment, I will be sent to collections for the amount of ~ {$17000.00}. My credit union informed me that they attempted to stop the transaction but were unable to. Capital One informed me it will take 3-5 business days to stop the transaction and re open the account, so I should not be responsible for the fraudulent check.

This is the second time submitting this complaint. Their response was that I should get the payment reversed and to contact the office of the President of Capital One. When I contacted them, they informed me they would do nothing, and that I needed to see if the financial institution I deposited the check into would reverse the payment. They did not respond to my complaint, and did not address the issues at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I deposited {$100000.00} into Bread Financial to start a new account. On XX/XX/XXXX, I attempted to access the account online. I could not do so. I called customer service and worked for approximately 1.5 hours on attempting to access the account and could not gain access. The rep stated " well, just try tomorrow ''. After ending the call, I felt very uncomfortable. I called customer service again and requested that the account be closed and the money refunded to the originating account. The rep stated that would happen in 3-5 days. 

On XX/XX/XXXX, the account was still not closed nor the money refunded. That day, I received a letter from Bread stated my account had been suspended and to get into my account, I would need to provide government ID, a bank statement from the originating bank, and my social security card. I submitted those items on XX/XX/XXXX and requested an immediate refund of my deposit to the originating account. I also spoke to a rep that day who again stated that the money would be refunded in XXXX business days. 

On XX/XX/XXXX I still did not have my money. I again called Bread. I spoke to 3 different representatives in Account Protection. " XXXX '' told me that all deposits are held for 30 days and I would get my money on XX/XX/XXXX. I stated I had no documentation stating that is the case and I wanted my money today. She passed me to XXXX who stated that the " executives '' needed time to do an account review and that is why my account has not been closed and my money returned to my originating account. She stated there is a transfer in the system for XX/XX/XXXX. I then called again and spoke to " XXXX '' who again stated the money would be transferred on Monday XX/XX/XXXX and to call at XXXX am if the money did not show up in the originating account. 

On Monday, XX/XX/XXXX, the money was not in my originating account. I called and again spoke to XXXX. She stated the account is in the process of being closed and I should have the money by Thursday. I asked to speak to somebody up the chain and she stated there was nobody else with whom to speak. 

I have no idea how you get from " transfer is scheduled '' to " account being closed ''. I have no idea why the money is being held-now for over 30 days. I have no confidence that my money will be in my account any time soon. I get multiple stories when I call about the situation and I feel as if Bread has stolen {$100000.00} from me and feel quite powerless to get any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Jenkins, Wagnon & Young, P.C.
State: TX

Complaint narrative:
To Whom it may concern : I sent you a written request to validation for debt on File No. XXXX for XXXX XXXX. 

Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I disputed their claim and requested validation. 

Jenkins &. Young never provided validation made pursuant to the above named Title and Section. 

Consequently, any negative information must be removed immediately pending validation! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX, and they have all been removed. XXXX and XXXX continue to play these games saying its been verified, or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 

LVNV/XXXX XXXX XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 

XXXX XXXX XXXX XXXX # XXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me or remove it! 

XXXX XXXX XXXX XXXX XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 

XXXX XXXX XXXX Is missing payment history, shows inaccurate information and shows late XXXX days back-to-back months. Please provide physical proof this account belongs to me or remove it! 

XXXX XXXX XXXX XXXX XXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back XXXX months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 

XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 

XXXX XXXX XXXX # XXXX This account is missing payment information and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-14 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2022-11-14 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CO

Complaint narrative:
I received a text message : This message is from CACi. Please call us at XXXX info at : XXXX Reply STOP to opt out. Msg & Data rates may apply. Thank you. 

To which I responded to via phone call; thought it was an employer with potential job lead. 

Upon verifying my information the gentleman said that I had an outstanding debt with XXXX XXXX XXXX XXXX ; my bank. I asked him to email the info; and he rattled off an email address that hasnt been used since I lived in XXXX XXXX TX. 

I gave my correct email and he did not send the email to me as of yet. 
I called back and got another person ; and I let her know that I had spoken to her colleague, and if the calls were recorded she would be able to see whom I spoke with and tell him I send me the collections information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
he company did not validate the debt according to FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337 15 U.S.C 1681s-2. Keep saying debt has been validated by supplier however the suppliers denies that they are validating.

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 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
THIS IS ANOTHER ATTEMPT AT GETTING THIS ISSUE RESOLVED. XXXXXXXX XXXX XXXX XXXX XXXXN ARE ILLEGALLY REPORTING DUPLICATE INFORMATION ON MY CREDIT. XXXX XXXX CLAIMS TO HAVE SOLD THE BALANCE TO XXXX XXXX YET, XXXX XXXX IS STILL REPORTING A BALANCE. XXXX XXXX IS ALSO REPORTING THE SAME EXACT BALANCE + INTEREST. THIS IS AN ILLEGAL DUPLICATE REPORTING AND HAS CAUSED ME FINANCIAL BURDEN AND FINANCIAL OPPORTUNITY ALL YEAR. I CAN'T MAKE UP THE TIME LOST FOR THIS MISTAKE NOR THE TIME IT HAS TAKEN ME TO TRY AND GET THIS RESOLVED. XXXX, TRANSUNION, XXXX ... YOU ARE REPORTING A DUPLICATE BALANCE WHICH IS ILLEGAL. PLEASE DELETE BOTH ACCOUNTS MENTIONED ABOVE AND/OR RECTIFY THE BALANCE.

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 2022-11-14 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: EQUIFAX, INC.
State: ND

Complaint narrative:
THIS IS ANOTHER ATTEMPT AT GETTING THIS ISSUE RESOLVED. XXXX XXXX XXXX XXXX XXXX ARE ILLEGALLY REPORTING DUPLICATE INFORMATION ON MY CREDIT. XXXX XXXX CLAIMS TO HAVE SOLD THE BALANCE TO XXXX XXXX YET, XXXX XXXX IS STILL REPORTING A BALANCE. XXXX XXXX IS ALSO REPORTING THE SAME EXACT BALANCE + INTEREST. THIS IS AN ILLEGAL DUPLICATE REPORTING AND HAS CAUSED ME FINANCIAL BURDEN AND FINANCIAL OPPORTUNITY ALL YEAR. I CAN'T MAKE UP THE TIME LOST FOR THIS MISTAKE NOR THE TIME IT HAS TAKEN ME TO TRY AND GET THIS RESOLVED. XXXX, XXXX, EQUIFAX ... YOU ARE REPORTING A DUPLICATE BALANCE WHICH IS ILLEGAL. PLEASE DELETE BOTH ACCOUNTS MENTIONED ABOVE AND/OR RECTIFY THE BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchased a power trunk kit for a XXXX XXXX XXXX from XXXX XXXX. The product was defective and did not function as claimed. Specifically, the trunk release button in my car no longer functions after the XXXX Offer product was installed. Trunk release button worked perfectly before the installation of the XXXX Offer product. I contacted the merchant. The merchant requested additional information as well as a video showing the issue. I provided the merchant with all requested information including video evidence that the product did not work. Merchant refused to replace the product blaming XXXX for the problem. I advised the trunk was working fine until their product was installed. The merchant then tried to blame their certified installer and refused to provide a full exchange. The merchant only offered an exchange of a single component that did not resolve the issue. 

Accordingly, I filed a chargeback with Chase to dispute the charge as the product was defective and the merchant refused to address the issue. Chase states that because the merchant is claiming the product was received, the charge stands. The issue is not whether the product was received, but rather whether the product works as claimed. The product is clearly defective, as agreed to by the merchant 's certified installer, but the merchant is refusing to refund my money. I have now paid over {$1000.00} for an item that does not work.

Company response to consumer: Closed with explanation