vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 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: AZ

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error : XXXXXXXX XXXX XXXX XX/XX/2022 {$29000.00} {$570.00} {$0.00} on XX/XX/2022. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. If there is a billing error, how can a payment be late? As the original creditor, I never authorized or granted permission for this to be reported. But since this is reporting, you need to report the way I state it should be reported. These late payments must be removed. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective 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 2022-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: PA

Complaint narrative:
AMERIFINANCIAL SOLUTIONS has placed a collection on my profile. I have asked for debt validation several times with signed originals. They have not provided it nor removed the negative information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This communication will serve as our Notice of Right to Cancel dated XXXX XX/XX/2022. TILA ( Truth in Lending Act, 15 USC 1601 et seq ; 15 U.S. Code 1635 - Right of rescission as to certain transactions ; 12 CFR Part 226 ; 12 CFR 1026.23 Right of rescission reg. z ) allows three ( 3 ) years to review Disclosure Documents. Full disclosure was not given. Please see attached documentation for full and complete Notice of right to cancel. These notices have been sent via USPS XXXX XX/XX/2022 certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: U.S. BANCORP
State: CA

Complaint narrative:
This is the 10th Time Elan Financial " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).

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 2022-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
I have settled all my debts with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: MS

Complaint narrative:
I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-09 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: MS

Complaint narrative:
I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE
State: LA

Complaint narrative:
I open my account XX/XX/2022 to have it locked on XX/XX/2022 they Told me cause of a transaction with was fairytale I made a XXXX dollar transfer to my XXXX XXXX on XX/XX/2022 and another on XX/XX/2022 only because I didn't have a card for Card at the time so on the XX/XX/2022 I called and ask should my card be arriving soon only to find out they jus sent it off to me that day witch was the XXXX I had to help my daughter purchase a car and I also had other finances to tend to. So I transferred XXXX to my XXXX XXXX account still would had left me a balance of XXXX but the transaction was voided and XXXX mins last I was locked outta my account for suspicious transactions I was told 3-5 business days the first and second week I offered to go to a branch myself with all my verification I was denied that and told give their fraudulent team time witch turn out to be a full month of being locked out long story short I finally got verified by their fraudulent team specialist only to get kicked back out 30 minutes later and told to go to a branch I work 6 days a week 12 hour shifts and I'm XXXX XXXX hours away from a branch I FOUGHT FOR THIS COUNTRY 22 YEARS XXXX TWICE ONLY TO GET KICKED IN MY BEHIND BY MY OWN SOIL NEVER HAD SUCH AS A J-WALKING TICKET IN MY LIFE AND THIS IS WHAT A GOOD XXXX GOES THROUGH BS I WANT MY ACCOUNT CLOSE I SENT IN TWO NOTORIZED LETTERS AND STILL BEING TREATED LIKE XXXX XXXX XXXX BANK IS WHO IM REFERRING TO I NEED HELP ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: CA

Complaint narrative:
I called the three reporting agencies about some fraudulent inquiries I found on my credit report. Each bureau told me to file a ftc report and I did just that along with my dispute letter, id, copy of my social security card, and copy of a utility bill. Its been well over 50 days and nothing has happened, the fraudulent inquiries are still there.

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 2022-04-09 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: CA

Complaint narrative:
I called the three reporting agencies about some fraudulent inquiries I found on my credit report. Each bureau told me to file a ftc report and I did just that along with my dispute letter, id, copy of my social security card, and copy of a utility bill. Its been well over 50 days and nothing has happened, the fraudulent inquiries are still there.

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 2022-04-09 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: MI

Complaint narrative:
Experian continues to harassment me with validation request while Ive verified my identity and address on multiple occasions. Please know this is to be regarded as attached to my previous dispute submitted concerning this exact issue and reporting multiple reporting violations. Experian is furnishing fraudulent data and information attaching my information to items that arent mine allowing me to be more susceptible to identity theft. If Im requesting to remove information such as address and personal information that arent mine itsmy right to do so. This is my life, I do not give consent to Experian to furnish house or share derogatory false, fraudulent information meant to defame my character! Only validated, information that I consent to be furnished do I authorize to be displayed on my consumer report!

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 2022-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I purchased a new XXXX XXXX XXXX with a 60-month 0.9 % loan from Toyota Financial Services ( TFS ) at the dealership. I purchased an extended warranty at the same time. I then called my auto insurance company and realized that the extended warranty duplicated existing coverage. I terminated the extended warranty 48 hours after purchase, as permitted in the contract. The total amount of the auto loan was reduced accordingly. However, TFS says that the monthly payment amount on the loan will not be reduced. Instead the term of the loan will be reduced. 

I signed up for a 0.9 percent loan for 60 months. At the current monthly repayment amount, the loan will be repaid in 56 months. Shouldn't the 60 month term of the loan in the contract be honored? I was allowed to cancel the extended warranty without penalty. Requiring me to pay back the loan 4 months earlier seems to constitute a penalty. 

I have said this to TFS by phone and letter and they say that what they are doing is " standard practice. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Credit Collection Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XXXXXX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving Credit collection services any right to collect on this alleged debt. I have never received any documentation requesting validation from credit collection services. 
If credit collection services 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 this 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 alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until credit collection services 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 credit collection services continues its collection efforts, I will file for litigation for actual damages caused and credit collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f.

Your prompt attention and response are both requested and required.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: CA

Complaint narrative:
This is the 10th Time XXXX XXXX " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is the 10th Time XXXX  XXXX " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).

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 2022-04-09 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

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 2022-04-09 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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$320.00} XXXX XXXX XXXX : XXXX -- -> : {$330.00} GEORGIA XXXX XXXXXXXX : XXXX -- XXXX : {$3700.00} XXXX XXXX : XXXX -- > {$12000.00}

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 2022-04-09 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : CXX/XX/XXXX XXXX -- -> : {$320.00} XX/XX/XXXXV : XXXX -- -> : {$330.00XX/XX/XXXXXXXX : XXXX -- XXXX : {$3700.00} IXX/XX/XXXXR : XXXX -- > {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: AZ

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error : XXXX XXXX XXXX XX/XX/2022 {$29000.00} {$570.00} {$0.00} on XX/XX/2022. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. If there is a billing error, how can a payment be late? As the original creditor, I never authorized or granted permission for this to be reported. But since this is reporting, you need to report the way I state it should be reported. These late payments must be removed. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective immediately.

Company response to consumer: Closed with explanation