vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
collection account not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have another complaint against this XXXX company XXXX XXXX with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district XXXX told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!

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 2022-06-19 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: IL

Complaint narrative:
I have another complaint against this XXXX XXXX XXXX XXXX with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: IL

Complaint narrative:
I have another complaint against this XXXX XXXX XXXX XXXX  with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!

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 2022-06-19 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 the Fair Credit Reporting Act XXXX Account with XXXX XXXX acct # XXXX, XXXXDept of Education acct XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602A. States 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 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 2022-06-19 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, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 states that 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 explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
this collection account not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
this collection collection not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
this collection account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
this collection account not mine

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 2022-06-19 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:
The Credit Bureaus stated my account was properly investigation and is reporting correctly, but how is that possible if the open date is inaccurate, the date last active is inaccurate and was re aged, and date last reported is not accurate. This ground for removal they also violated my rights under 15U.S.C 1681 ( 4 ). 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 15U.S.C 1681i ( 2 ) prompt notice of dispute to furnisher of information 15U.S.C 1681s ( 2 ) duty of person after receiving notice of dispute 15U.S.C 1881i ( 5 ) treatment of inaccurate or unverifiable information here is tracking number 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 2022-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Charge of {$7500.00} was processed by the company in XXXX of XXXX, charge was shown twice on the company statement ending XX/XX/XXXX. Total of {$6400.00} payment was made. The company never applied the payments and continued to demand payments with late night calls and threatening telephone calls to my home and workplace. A lot of the calls were placed out of the XXXX. To the best of my knowledge the company never updated their billing statements to me to apply the payments only updated the statement to show interest charges and late fees. 

I have been a cardholder with this company starting in XXXX I have never missed a payment nor late with payments. 

I called the company sent emails and wrote letters seeking an explanation only to receive more threating telephone calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: VA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD and Regulators of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Senior Vice President & Leader of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. 
Business Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Suitable Afternoon Regulators of XXXX XXXX XXXXConsumer Financial Protection Bureau XXXX 

The letter will entail the reasons why the late payment on the credit profile of XXXX XXXX is invalid and violates the Mortgage Loan agreement and The Federal Credit Reporting Act ( FCRA ). 
Creditworthiness and Credit profiles allow Americans to remain sustainable during a crisisresilience is a score that determines the outcome of a financial profile. 
XXXX XXXX XXXX adheres to Consumer Credit Laws and the Federal Credit Reporting Act ( FCRA ). 

I received a late payment which compromised his stellar performance and increased his overall resilience score. On XX/XX/XXXX, XXXX XXXX granted a line of credit regarding the Mortgage loan XXXX. My stellar payment history with XXXX XXXX XXXX. Per the terms of the loan agreement, payments on the loan would continue if the loan wasnt satisfied pay the maturity date of XX/XX/XXXX. 
The Representative gave the option to continue with payments or satisfy the loan ; n continue with scheduled payments. 
XXXX XXXX XXXX representative later contacted me and charged a late fee. 

There is a questionable reaction from the oblige when there are no revenue changes or gaps in the payment sequences. The Representative collected the remaining balance, which satisfied the agreement before the maturity loan date of XX/XX/XXXX ( Please see attachment ). 
Why did the XXXX XXXX XXXX react adversely to oblige credit reporting, Creditworthiness, and banking profiles? 
Operational Risk and The Federal Credit Reporting Act ( FCRA ) are two risks. 
Once concluded, a review of communication gaps and all late payment removal on all significant credit and banking scoring profiles. The loan agreement complied with terms and is a long-standing member of XXXX XXXX  XXXX with a stellar payment history and never posed a risk to the institution or its operations?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: VA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD and Regulators of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Senior Vice President & Leader of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. 
Business Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Suitable Afternoon Regulators of XXXX XXXX XXXX/Consumer Financial Protection Bureau XXXX 

The letter will entail the reasons why the late payment on the credit profile of XXXX XXXX is invalid and violates the Mortgage Loan agreement and The Federal Credit Reporting Act ( FCRA ). 
Creditworthiness and Credit profiles allow Americans to remain sustainable during a crisisresilience is a score that determines the outcome of a financial profile. 
XXXX XXXX XXXX adheres to Consumer Credit Laws and the Federal Credit Reporting Act ( FCRA ). 

I received a late payment which compromised his stellar performance and increased his overall resilience score. On XX/XX/XXXX, XXXX XXXX granted a line of credit regarding the Mortgage loan XXXX. My stellar payment history with XXXX XXXX XXXX. Per the terms of the loan agreement, payments on the loan would continue if the loan wasnt satisfied pay the maturity date of XX/XX/XXXX. 
The Representative gave the option to continue with payments or satisfy the loan ; n continue with scheduled payments. 
XXXX XXXX XXXX representative later contacted me and charged a late fee. 

There is a questionable reaction from the oblige when there are no revenue changes or gaps in the payment sequences. The Representative collected the remaining balance, which satisfied the agreement before the maturity loan date of XX/XX/XXXX ( Please see attachment ). 
Why did the XXXX XXXX XXXX react adversely to oblige credit reporting, Creditworthiness, and banking profiles? 
Operational Risk and The Federal Credit Reporting Act ( FCRA ) are two risks. 
Once concluded, a review of communication gaps and all late payment removal on all significant credit and banking scoring profiles. The loan agreement complied with terms and is a long-standing member of XXXX XXXX  XXXX with a stellar payment history and never posed a risk to the institution or its operations?

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 2022-06-19 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:
this auto loan not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
XXXX XXXX ( CEO ), Yamaha Motor Finance, shall be prosecuted for performing deceptive business practices. 

This letter shall be forwarded to the Internal Revenue Service ( IRS ) as well.

Yamaha Motor Finance be aware you have violated federal law and provided false and misleading information to an Consumer and you will be held criminally liable and accountable.

Yamaha Motor Finance ( XXXX XXXX CEO ) closed my account without my lawful authority and any person who is responsible for violating my consumer rights will be prosecuted.

Yamaha Motor Finance understand you do not have any lawful authority to close my account that have issued, and have security interest in.

I promise you will be held accountable for all your deceptive business practices. 

I have revoked XXXX XXXX XXXXYamaha Motor Finance Power Of Attorney and I am demanding all remedy and demanding all of my property and I claim all my rights to the proceeds and demand all amounts due be payable into me ( XXXX XXXX ) XXXX You have 20 days to return all my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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 — Card was charged for something you did not purchase with the card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
account balance have to be XXXX balance somebody used my card without my permission, card stolen bank ignoring my dispute never fix it, I'm not responsible for all charges on this credit card

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 2022-06-19 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2022-06-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
To : Bank of America XXXX XXXX XXXX, XXXX MD and Regulators of Bank of America Re : XXXX XXXX XXXX Senior Vice President & Leader of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. 
Business Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Suitable Afternoon Regulators of Bank of America/Consumer Financial Protection Bureau . 

The letter will entail the reasons why the late payment on the credit profile of XXXX XXXX is invalid and violates the Mortgage Loan agreement and The Federal Credit Reporting Act ( FCRA ). 
Creditworthiness and Credit profiles allow Americans to remain sustainable during a crisisresilience is a score that determines the outcome of a financial profile. 
Bank of America adheres to Consumer Credit Laws and the Federal Credit Reporting Act ( FCRA ). 

I received a late payment which compromised his stellar performance and increased his overall resilience score. On XX/XX/XXXX, XXXX XXXX granted a line of credit regarding the Mortgage loan XXXX. My stellar payment history with Bank of America. Per the terms of the loan agreement, payments on the loan would continue if the loan wasnt satisfied pay the maturity date of XX/XX/XXXX. 
The Representative gave the option to continue with payments or satisfy the loan ; n continue with scheduled payments. 
Bank of America representative later contacted me and charged a late fee. 

There is a questionable reaction from the oblige when there are no revenue changes or gaps in the payment sequences. The Representative collected the remaining balance, which satisfied the agreement before the maturity loan date of XX/XX/XXXX ( Please see attachment ). 
Why did the Bank of America react adversely to oblige credit reporting, Creditworthiness, and banking profiles? 
Operational Risk and The Federal Credit Reporting Act ( FCRA ) are two risks. 
Once concluded, a review of communication gaps and all late payment removal on all significant credit and banking scoring profiles. The loan agreement complied with terms and is a long-standing member of Bank of America with a stellar payment history and never posed a risk to the institution or its operations?

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 2022-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Removed Incorrect Addresses Transunion XXXX XXXX XXXX, XXXX, LA, XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX I

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