vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Back in 2017, I received a '' grant '' fom a company called XXXX XXXX XXXX after I clicked o " help '' when I was resubmitting SNAP paperwork to my Vocational rehabilitation center. Over the course of the next few years ( it was ment to make small deposits fro The State of Florida for people on SNAP, Unemployment, or made under the XXXX Poverty line ) I received a few small payments through XXXX XXXX, and PayPal as XXXX was XXXX XXXX only bank. I started to notice bills and collections that I had no idea what they were, so I called PayPal, as I could no longer find any trace of the " Program ''. They told me the deposits were coming from an actual person, and they had aquired my information through a hack that they had went through, that I received NO notice of. This lady had acquired myself, and 50 other people 's information, used her credit cards to pose as this program, then claim the cards stolen to make back her money while aquireing information. PayPal " fought for me " but " dd not succeed '' and I was to not only pay the balance, as I was no longer protected as they changed their terms to not protect anyone, anymore. Cute, so they lost my information, my money,, and dud nothing for it.. I contacted a lawyer,, and wen to court.. She used my information and opened a bank account, ( XXXX  which I closed ), spent money with my PayPal, got a PayPal credit card, and used that, luckily she made the mistake of getting caught by one of the other victims who had XXXX XXXX, and we all went to court remotely many times. She was declared guilty ad imprisoned. I have spent a long time, even speaking to XXXX and the credit burocrats who attained the sealed court hearings. Yet here the debt remains. " I'll get it taken care of '' etc is what I get during every dispute. I am ermine, and just want the few grand disputed correctly, and my score back, so I can go back to what remains of my life, it ruined me and my family. I can't get work, I can't fix my car, I can't take the kids to the Dr , were practaly living in a Brooke down auto under the causeway, because I have been denied everything that will help u after my OVID layoff/closure. 
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 non-monetary relief
Consumer complaint received 2021-10-03 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: GA

Complaint narrative:
I sent in documentation to XXXX, XXXX, and Experian that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  reported " Past Due '' and " Late '' on 2 " Auto loan '' accounts under account number XXXX on XX/XX/2021 for the balances of {$510.00} and {$380.00}. I the consumer have already sent a validation of debt letter in to XXXX XXXX XXXX XXXX to prove validation that I the consumer owe such debt. I the consumer also included in my Validation Of Debt letter a Cease and Desist to Cease communication and to not report negative to MY credit / consumer report. My rights has been violated as a consumer under 15 U.S. Code 1692g

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX XXXX XXXXput the charge off to my credit report which is inaccurate and it was their mistake, I never missed any payment and also I never get an additional bill notice from them, I was set up auto pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was informed by a family member that there was a lawsuit filed against me by capital one trying to collect money from me on an account that first off is currently being disputed, which they should t be trying to collect during this time. Capital one has been given all the proper documents and evidence to prove that I was incompetent at the time of opening the line of credit an led it was performed by an assigned fiduciary that was in control of all financial affairs. On the legal documents it states I was not incompetent in which I have shown them and the CFPB otherwise. I have filed an ID theft report affidavit under oath and sent it along with a request for a credit block to all three CRAs with zero success. All they do is the same procedure as for a dispute not what they are supposed to do by law. These credit collection techniques they have been using and laws they are refusing to follow are pulling myself and family through enough emotion and self despair and trauma. I have again attached document to this complaint in hopes that someone will take this seriously and help me with this issue Ive been dealing with that just keeps ruining my life and credit even more Avery day of my life. First they theft of ID from a fiduciary assigned due to incompetency, then abusive techniques performed by the CRAs and creditors/collectors for things I have no control. over while incompetent and being treated after discharge from the military. Please someone go after the old fiduciary and not me for these things for once and give me the relief I deserve instead of these illegally filed lawsuits with false statements and lies on them that they get away with all the time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Claims Bureau, Inc.
State: TX

Complaint narrative:
A company called " Professional Claims Bureau , Inc. '' located in XXXX NY, sent mail to my address in texas ( which i have no idea how they even got this address ) claiming to have tried contacting me about a debt that ive never seen any documentation on. They provided no information on this debt as a baiting tactic, then in the letters they sent, they use manipulation tactics to try and guilt you into paying them ( they also sent 4 letters, with random dates on each one ). They also put language in there saying " if you dont respond or pay within 10 days we are assuming you have no intention of settling this ''. First off, the letter came 11 days later, because they mailed it via USPS standard mail to my texas address... so threatening to make assumptions about if i respond, is not ok. Secondly, they didnt bother to provide ANY information on what kind of debt this is, no itemized pricing... nothing. It could be a billing error for all i know. Third, im not going to be intimidated or manipulated into paying some out of state collection agency 4 bills, just because they use intimidation and manipulation tactics. This really shouldnt be allowed at all. I do not live in new york. And the fact that they somehow have my address in texas, irritates me because i have no idea who these people are. I would like them to stop pulling personal information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: GA

Complaint narrative:
I sent in documentation to XXXX, TransUnion, and XXXX that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: GA

Complaint narrative:
I sent in documentation to Equifax, XXXX, and XXXX that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Notice of Intent to sue for falling to remove innacurate information after received Identity Theft Report. 

Attn : Navy Federal Credit Union Account # XXXX Dear Sir/Madam I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), 615 ( f ) and the 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which states that this information must be removed within four business days of receipt.

THIS LETTER servesas the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 
You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as CLRA ) California Civil Code section 1750, et seq., ( hereinafter referred to as the ACT ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account # XXXX which constitutes violations of the Act and of my demand that you remedy such violation within four ( 04 ) calendar days from your receipt of this letter.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : Any actual damages I sustain due to your failure to delete this item ; Cost of court action in order to have the item deleted; Punitive damages as the court may allow ; Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter. 



Yours very truly, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX  ( XXXX ) California Attorney Generals Office Attachment : FTC Identity Theft Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: PA

Complaint narrative:
I did not consent to these negative and inaccurate information to appear on MY credit / consumer report. 

XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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:
Dear Equifax, I hope you are doing fine when you are reading this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Notice of Intent to sue for falling to remove innacurate information after received Identity Theft Report. 

Creditor : XXXX XXXX XXXX XXXX Account # XXXX Dear Sir/Madam I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), 615 ( f ) and the 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which states that this information must be removed within four business days of receipt.

THIS LETTER servesas the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information , and for which you are responsible.

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as CLRA ) California Civil Code section 1750, et seq., ( hereinafter referred to as the ACT ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account # XXXX which constitutes violations of the Act and of my demand that you remedy such violation within four ( 04 ) calendar days from your receipt of this letter.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : Any actual damages I sustain due to your failure to delete this item ; Cost of court action in order to have the item deleted; Punitive damages as the court may allow ; Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter. 



Yours very truly, XXXX XXXX XXXX XXXXc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX ( XXXX ) California Attorney Generals Office Attachment : FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
I was informed by a family member that there was a lawsuit filed against me by XXXX XXXX trying to collect money from me on an account that first off is currently being disputed, which they should t be trying to collect during this time. XXXX XXXX has been given all the proper documents and evidence to prove that I was incompetent at the time of opening the line of credit an led it was performed by an assigned fiduciary that was in control of all financial affairs. On the legal documents it states I was not incompetent in which I have shown them and the CFPB otherwise. I have filed an ID theft report affidavit under oath and sent it along with a request for a credit block to all three CRAs with zero success. All they do is the same procedure as for a dispute not what they are supposed to do by law. These credit collection techniques they have been using and laws they are refusing to follow are pulling myself and family through enough emotion and self despair and trauma. I have again attached document to this complaint in hopes that someone will take this seriously and help me with this issue Ive been dealing with that just keeps ruining my life and credit even more Avery day of my life. First they theft of ID from a fiduciary assigned due to incompetency, then abusive techniques performed by the CRAs and creditors/collectors for things I have no control. over while incompetent and being treated after discharge from the military. Please someone go after the old fiduciary and not me for these things for once and give me the relief I deserve instead of these illegally filed lawsuits with false statements and lies on them that they get away with all the time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
My son went to the hospital ER for a injury, he's a Jr and a adult at the time of the visit. Some how the hospital used his birthday and my social security number and now a collection company called PHOENIX FINANCIAL SERVICES LLC has been putting the bill on my credit report despite my effort of contacting them and them agreeing to remove it because the social security number and birthdate is not a match. Also during the time this was created I had medical insurance through XXXX that covered me 100 % ( Care Source ) This is not my bill and I have been dealing with this for years and I'm not getting no where. They took it off once but now the posted it again. I even disputed through all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: Exeter Finance, LLC.
State: WI

Complaint narrative:
I am writing in regards to reporting issues with this closed account on my credit reports. There are serious errors in reporting on each bureau that clearly shows different payment history on each report which has directly affected my credit standing. This has been challenged multiple times and continues to not be updated by the bureaus despite being sent the reports of the inaccuracies. Per the FCRA this is a clear violation in reporting accuracy. I want this account removed immediately from my credit reports due to inaccurate reporting and the decline of my score that has came with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: GFS II, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I sent Gateway Financial Solutions an affidavit requesting proof under penalty of perjury that they are in fact the true creditor, and not an elaborate scheme. I have reasons to believe that Gateway Financial Solutions obtained payment for my vehicle by way of selling the promissory note I affixed with my signature on XX/XX/XXXX when the transaction was initiated. I requested documents proving the funds that paid the dealership for my vehicle in fact came from their own reserves. Its required under 10 Maxims of Law that a lien or claim can be satisfied only through rebuttal by counter affidavit point by point, that which Gateway financial solutions failed to do. Instead they sent a letter that adressed only 1 of my concerns. They provided the contract in question, which I did not request, and their license to do buisness in Maryland, which I did request. As of tofday XX/XX/XXXX my affidavit remains unrebutted. Some time between the night of Monday XX/XX/XXXX or the morning of Tuesday XX/XX/XXXX gateway financial solutions repossesed my vehicle despite being required to stop all debt collection activities until this matter is resolved, violating 15 U.S Code 1692c. On XX/XX/XXXX I recieved a letter threatning to sale my vehicle if payments to this alleged debt is not made by XX/XX/XXXX which is a violation of 15 U.S Code 1692d ( 4 ). I have provided the pre-notarized version of my affidavit sent, as well as all the correspondances sent to me, the notice to sale, my supporting documents and an invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was told the {$730.00} debt would be deleted from my credit report and it still has not been removed completely just like what we agreed to over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: KY

Complaint narrative:
On XX/XX/2021 I purchased 3 E-Gift cards on XXXX XXXX website through their third party XXXX I purchased cards in the amount of {$500.00}, {$250.00}, and {$25.00} immediately after purchasing these cards, i received an email stating that the cards could not be processed and that the transactions would be cancelled. None of the 3 transactions were cancelled and a total of {$750.00} was charged from my account.

Company response to consumer: Closed with explanation