vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Sirs : Please refer to my prior complaint # XXXX dated XX/XX/XXXX, also against Yamaha Finance . Yamaha continues to stonewall my complaint, and has not provided CFPB with any response. 

Please be reminded that the only possible legitimate late payment occurred on Monday, XX/XX/XXXX, when they processed my regular monthly payment. Because Yamaha does not work over the weekend, they did not process my payment when my banks envelope actually arrived at their Texas XXXX XXXX XXXX I was charged {$39.00} late fee. I disputed the payment in a business letter dated XX/XX/XXXX, to which they never responded. 

Yamaha Finance then began to compound the late fee by alleging that I did not make a full payment by the due date. Thus, to mitigate the dispute, on XX/XX/XXXX, I mailed Yamaha Finance a separate check in the amount of {$39.00}, which was negotiated per my bank on XX/XX/XXXX. XXXX XXXX verification that they negotiated my check is an attachment to this complaint. My check contained the following endorsement on the front : Full and final settlement of all claims for late fees and associated penalties. 
Additionally, on the reverse, I wrote, Negotiation of this check is full settlement of the items on the front. 

Yamaha Finance accepted my conditions when they processed my check. There is ample case law on this point. Despite this fact, however, I just received a Payment Reminder Notice from them that states I have a past due amount of {$120.00}, copy attached to this complaint. Also, I receive almost daily harassing telephone calls from Yamahas bill collectors, who refuse to listen to reason. Note that I had adjusted the date my bank mails their check to Yamaha, so all payments after XXXX have been received on time. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: NJ

Complaint narrative:
NOTICE OF DEFAULT OPPORTUNITY TO CURE NOTICE OF DEFAULT OPPORTUNITY TO CURE To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that the CFPB ( Consumer Financial Protection Bureau ) To give you an opportunity to cure, You claim the account is : verified I AM REQUESTING THE DESCRIPTION OF PROCEDURE OF THE REINVESTIGATION. USED TO DETERMINED THE ACCURACY & COMPLETENESS OF INFORMATION .Before i move forward. 
. Who did you call? 
What exactly did they say? 
Neighbor visits? 
Interviewed? 
therefore u have willfully infringed my rights. 

I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 15 USC 6801 - Protection of nonpublic personal information. 15 USC 6801 ( a ) Privacy obligation policy
 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I submitted my complaint on XX/XX/2023 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that EQUIFAX use against Consumers like myself.

Your company is in clear violations of the law Pursuant 15 U.S. Code 1681a ( i ) - Definitions ; rules of construction Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states transactions between the consumer ( ME ) & the person ( YOU- EQUIFAX ) FURNISHING THE REPORT IS NOT INCLUDED ON MY CONSUMER REPORT!

You have violated the FCRA by furnishing this transaction or experience on my consumer reports which Congress clearly states IS NOT INCLUDED ON MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality.

15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: TX

Complaint narrative:
I am a victim of identity theft, I recently checked my credit report and noticed some accounts that I did not open. I would like these accounts removed from my credit report, it is highly affecting my personal life. Per FCRA 6058, this information should be deleted ASAP, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: TX

Complaint narrative:
I am a victim of identity theft, I recently checked my credit report and noticed some accounts that I did not open. I would like these accounts removed from my credit report, it is highly affecting my personal life. Per FCRA 6058, this information should be deleted ASAP, 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 explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF HAWAII CORPORATION
State: CA

Complaint narrative:
I had a bank account at Bank Of Hawaii. On XX/XX/ someone fradualently wired our of my account {$5.00}. As soon as I found out I contacted the bank. They will not talk to me and will not give me any information what happened on my account. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-08 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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-08 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 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 2023-03-08 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: Experian Information Solutions Inc.
State: MA

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

Account name : XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Agency name : XXXX XXXX XXXX, Date : XX/XX/XXXX, ( {$480.00} ) Agency name : XXXX, Date : XX/XX/XXXX, ( {$2.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date : XX/XX/XXXX ( {$260.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date XX/XX/XXXX ( {$170.00} ) 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 an account wit
hout my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, other than 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 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 2023-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc.
State: AL

Complaint narrative:
Prof Fin Co XXXX  XXXX ) Put me into collections for XXXX in XXXX of XXXX and I have never received one letter. I have no clue who I owe

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 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 2023-03-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account Number 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 an 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 non-monetary relief
Consumer complaint received 2023-03-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account Number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
First of all, the bank 's attorney did not give me proper notice of a court date. As a result I now have a sale date. I am the trustee of my mother 's estate, and I have a cash buyer that contacted me on XX/XX/2023 about wanting to submit a cash offer for my mother 's property, and can close the transaction in 30 days. The estate of XXXX XXXX XXXX. I was told there was not anyone that could speak with me or the buyer until XX/XX/XXXX. The agent gave me conflicting information so I asked to speak with someone that could help me. 

This bank should allow me to explore every possible option until I have reached the sale date. To ignore me during this process when I have hired a real estate agent to handle this transaction for me is unfortunate. If I could do the transaction myself, I would ; but, I can't. 

I can only imagine what others are experiencing. 

Hopefully, I will be able to get a response from someone on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
To whom it was concerned I, XXXX XXXX have not supplied proof under the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of their alleged debt, nor therefore any debt, in fact therefore exists. 

I contacted Calvalry portfolio service several times today through their telephone I was unsuccessful with getting someone to help me resolve this issue. 

Also I disputed this with all three credit bureaus The amount is different {$6800.00} and {$6800.00} on each credit report which is concerning to me please can we get to removed immediately off all three credit bureau this is effecting my credit score and its against the law as me being the consumer also they are sue me as well. 
In addition there are many discrepancies on each credit bureau start date of loan is different The amount owe is different This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/ invalidated credit information. 

Please can we fix this immediately

Company response to consumer: Closed with explanation