vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, for committing identity theft. I have never given Commonwealth Financial Systems, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Commonwealth Financial Systems and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of 8/11/22, I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems any right to collect on this alleged debt.

I have never received any documentation requesting validation from Commonwealth Financial Systems, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
my social security number was used to apply for credit cards and car loans fraudulently throughout this year. I don't own a car nor do I have and loans. my identity has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is not my items on my credit report this is identity theft please remove this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: NJ

Complaint narrative:
Your offices can provide proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information and during such time all collection activity cease and desist. I would like all items to be delted.

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 2022-08-11 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: MS

Complaint narrative:
My mortgage with XXXX XXXX was in Covid 19 deferment relief and we have made arrangements for Deferred balance to be place at end of loan with out interest. They ( DMI/Origin bank ) have reported 180 day late on this mortgage two months in a row. I also learned from an employee of theirs that this has happened to thousands of mortgage holders with them. This has caused my to have a denial on a requested loan from XXXX. I was trying to secure a loan for my freshman college student. Now the loan has been denied because of this action on their part. My credit score has also faulted over XXXX plus points on all credit reporting bureaus. Payments are {$1800.00} and have been paid as agreed...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: The Bureaus, Inc.
State: GA

Complaint narrative:
Information on my report is not being removed in timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Good Afternoon, This complaint is being filed under the Fair Debt Collection Practices Act. It has come to my attention that Debt Collector LVNV Funding LLC, has unlawfully filed a lawsuit against me without notification and/or justification on or about XX/XX/XXXX. The debt that this debt collector is trying to collect is a Fraudulent account in the amount of {$3700.00} opened per my credit report on or about XX/XX/XXXX. This is not my debt it is Fraudulent account. LVNV has never made contact with me of any kind with regard to this debt. LVNV placed this debt on my credit report numerous times only to remove it when I dispute it and place it back on again, the most recent reporting to my credit report is on XX/XX/XXXX, after LVNV filed its lawsuit. LVNV has continued to harass me in trying to collect on this debt by continuously placing the debt on my credit reports without any contact or notification with me, and now without notification and/or justification has filed a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in XXXX therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Island Finance Puerto Rico
State: PR

Complaint narrative:
The uploaded letter does not shows and download properly on my complaints submitted minutes ago : XXXX and XXXX to XXXX XXXX and Island Finance Puerto Rico XXXX 

Because this letter received from Island Finance attorney is the main proof I have right now, I have to be sure it is clearly seen and properly uploaded here at the C.F.P.B so I have no choice but submitting this new complaint to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

all was fine until i get notified that my account has been permanently limited.

I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back. 
I have a XXXX family friend who is now a client who is buying bulk clothing from me, shes been placing a lot of orders. Ive been withdrawing her payments, but they dont let me so I think I triggered the PayPal system by trying multiple times.

I cant log into my email as of now, Ill try in an hour.

Website is www.lavaracollection.com Its currently on pause until I bring my new stock, I made PayPal aware I am waiting to order new stock from XXXX. 
XXXXXXXX XXXX XXXX  which is how I mainly find new clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Date : XX/XX/2022 Bank : TD Bank Transaction : {$150.00} and {$200.00} were taken out of my account. 
I noticed that there was fraud on my checking account, and it was fully compromised. 
I followed all of TD bank account holding policy, meaning did not share account information, share debit card with another individual, and did not lose any of my belonging. I followed up with a claim on the day of my account being compromised, but I was just informed on XX/XX/2022 that my claim has been denied, even though I followed their policy to the maximum.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
I tried to deposit {$840.00} into my account with a us bank atm, it seized up at {$500.00} and printed out an error receipt for {$450.00}, I took the remaining {$340.00} into the branch and deposited it to a teller, I called the us bank number on the receipt and made a claim for {$500.00}, I received a credit for {$160.00} and they sent a letter saying this was the amount of the claim, I called them and told them Im owed {$340.00} but just got the run around on the phone for hours and was eventually hung up on.

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 2022-08-11 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
To whom it may concern. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX My SS # XXXX My DI # XXXX XXXX XXXX XXXX XXXX I'm attaching copies of my SS and Driver 's license for verification purposes. 

There is a item on my credit report which I believe it's purposely being reported erroneously but it is hurting me tremendously. 

I purchased a XXXX  XXXX from a now out of business car dealership, for the better part of two years, I continued to have mechanical issues with the XXXX, having to bring it to the dealer for repairs, finally after a year and a half, the engine collapsed, they refused to fix the problem I immediately called the XXXX  XXXX, they completely ignored me, so I voluntary surrender the XXXX. 

XXXX stopped their collection efforts, and sold the account to Credit Acceptance Corporation XXXX XXXX continue to show this account as opened, and are reporting it as a late payment every month, and you know how devastating that is when you are trying to rebuild your credit. 

I'm not sure what the legality is of what they are doing, but I'm certain it's not being reported truthfully, yes I had a loan, albeit for a damaged car, yes I turned it in whether they categorized it as a repo or something else, but it should have been closed and perhaps show it as a charge of, I'm not sure, but then try hey sell it to credit Acceptance corp, and they are purposely misreporting it as an open account in order to hurt my credit even more. 

I am pleading with you to please correct this situation or perhaps if I'm wrong, inform me of how to best address this problem. 

I have hired two credit repair companies and all they have done is steal my money, please HELP. 

Respectfully 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 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and no third party is involved with submitting my complaint. On XXXX XXXX I entered into a consumer credit transaction with Toyota Financial Services when I filled out an application to use my right to extend credit. Since Toyota Financial Services operates under Truth in Lending, I was surprised to see that they required a " down payment '' from me per 15 US Code 1605 as it is illegal to mix consumer credit transactions and cash down. I have made payments without a late payment the last year. However, I was reviewing my contract and realized I have over paid my contract and that the contract has been paid in full. Per US Code 1605 the finance charge is the sum of ALL charges in any consumer credit transaction and I have paid well above the finance charge listed in my contract. I have talked to Toyota Financial Services customer service line multiple times to try to resolve this issue and they have hung up or failed to help. I have recorded these phone calls and many of their representatives have willfully and knowingly given me false and inaccurate information regarding the existence of their " required '' down payment and finance charge. Toyota Financial Services is now in violation of 15 USC 1611 and can be held criminally liable for willfully and knowingly giving me this false and inaccurate information and for failing to comply with any of the other requirements under TILA. Furthermore, they have caused me emotional turmoil and distress with repetitive phone calls on a balance I do not owe as well as reporting my late payments to all three credit reporting agencies ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Your offices can provide proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information and during such time all collection activity cease and desist. I would like all items to be delted.

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 2022-08-11 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: NJ

Complaint narrative:
Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed, and validation is requested. This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/XXXX I made a purchase from XXXX for a crypto mining machine in the amount of {$25000.00}! I charge it on 4 credit cards, 3 in the amount of {$5100.00} each and 1 for {$10000.00}! They never shipped my machine and told me on several occasions that the item was going to ship but never did! On XX/XX/XXXX I sent them a message to cancel the order! On XX/XX/XXXX I disputed the charges on all 4 credit cards! 3 of the credit card companies credited my credit card because the company never shipped the item to me! The XXXX card Synchrony Bank did not credit my card! I disputed the charges and went through 3 disputes with Synchrony Bank that were all turned down because the seller stated that the machine was shipped but was not and the seller did not show any proof that the machine shipped! Then seller stated that it was a special order, it was not! This machine has never shipped and the seller stopped communicating with me! 
This is a XXXX 's XXXX XXXX issued thru Synchrony Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
In accordance with Fair Credit Reporting Act, the following Accounts Have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is not my items on my credit report this is identity theft please remove this 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 non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
Just found out that XXXX XXXX XXXX XXXX XXXX filed a small claims suit against me. I do not or have never had an account with them. There is nothing on my credit report from them. This is clearly a fraudulent account.

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 2022-08-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX assessed several months of delinquent/late payment reporting on my credit report. This delinquent reporting was done for the months that were after the account was closed and the title issued. Account was never late. Credit report shows that while the account was open, the account was never paid late. 

I have tried to dispute through the credit agencies, no solution. Wrote multiple letters to XXXX with the return response in a form letter stating that they are correct. How can payments be late after the account has been closed. The late reporting is affecting my credit score and I would like it removed. I believe they are in violation of The Fair Trade Credit Reporting Act.

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 2022-08-11 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: NC

Complaint narrative:
I have inquiries on my credit report that were not authorized.

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