vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ridge & Valley Realty, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Credit Systems Inc for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
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 Credit Systems Inc, 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 Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Credit Systems Inc, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
All of these hard inquiries listed below need to be removed completely from my Equifax credit report. I am a victim of fraud and identity theft and these hard inquiries are not mine as they are all fraudulent and unauthorized. 

Hard Inquiries ( 12 ) Hard inquiries may impact your credit score. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX of XXXX XX/XX/XXXX Dispute this CXXXX XXXX XXXX XXXX XXXX, OH XXXX Date of XXXX XX/XX/XXXX Dispute this XXXX  XXXX XXXX XXXX XXXX OH XXXX Date of inquiry XX/XX/XXXX XXXX this XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX this XXXX XXXXK XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Date XXXX XXXX XX/XX/XXXX XXXX this XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Date XXXX XXXX XX/XX/XXXX XXXX this XXXX po box XXXX XXXX, TN XXXX XXXX of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has stolen my money. I had a domestic wire of XXXX wired in to my business account from a car dealership that I had done business with. I was able to access funds on first day. Next day the account was frozen and BOA claimed they needed to verify wire even though I already had access to funds. I went to the bank and provided documents proving it was a legit wire. BOA contacted XXXX XXXX and it was verified. It now has been 2 weeks and the account was still frozen for no reason. Called several times and kept getting sent to different departments. Placed a claim with OCC and BOA called me and said they would look into the matter. I never heard back from them. Calls and emails went unanswered. Today XX/XX/2022 I still have no funds and BOA closed my account for no reason. I still dont have my XXXX. BOA has stole my money and this matter needs to be addressed.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXX & XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On behalf of XXXX XXXX XXXX for Insurance underwriting On behalf of XXXX XXXX XXXX XXXX for Insurance underwriting XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX ___________________________________________________________________ in accordance with the Fair Credit Reporting act these companies, have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, After speaking with XXXX, I was told that TransUnion placed an Extended Fraud Alert on my file and sent the request to XXXX and XXXX. 

I have mailed and called TransUnion several times and have asked that an Extended Fraud Alert be removed from my file. 

The alert is linked to a phone number in which I do not use at all. I have never asked or requested any such alert on my report. 

Please remove this alert from my file. 

Thank you, 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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Never left from my original home. Im not certain why i have this balance. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Never left from my original home. Im not certain why i have this balance. Please help.

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 2022-11-08 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
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 Portfolio Recovery Associates , LLC, 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 Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

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 non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account, 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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This 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 non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax repeatedly said that my account was locked and to contact them. Here 's what I wrote to them : Dear Equifax : I am writing to request that my account be unlocked. Attached is my social security card, driver license and bank statement. 

On XX/XX/XXXX and XX/XX/XXXX, I requested this be done by mailing two letters addressed to Equifax XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX with those attachments. I called and was told that the first letter was not received so I sent a second one. Again, I called and was told that the second one was not received. Then I called four times in the past year requesting my account be unlocked and your document verification software failed. On my XX/XX/XXXX phone call, I was transferred to a technical support person could not help me so he gave me XXXX # XXXX and said I'd hear back in 7-10 working days. I did not hear anything back. On XX/XX/XXXX, my request was escalated to a representative who tried to activate a new account with my work email : XXXX and that failed. He told me that he assigned XXXX # XXXX and I would receive an email in 7-10 business days with the findings. I never received such an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX, XXXX XXXX XXXX  Pa XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Monday XX/XX/XXXX, I brought $ XXXX in US Savings bonds to Bank Of America, XXXX XXXX, XXXX XXXX, NJ branch and had them cashed and deposited directly into my checking account. 
I saw the amount as " in process '' that same day. 
Today, in the morning, I checked my account, and the funds had vanished. There was no trace of them. I called the help line and spoke to two different people -- one person told me there was a computer glitch and that it had been fixed. But I still didn't have the money. Another person told me she would investigate and call me within two hours. She didn't. 
I went to the branch and spoke to a man who said the bank had said that deposits weren't properly processed ( computer glitch ) and that they were being reprocessed and the money would be in my account by end of today XX/XX/XXXX. 
The money is not there. 
I am very troubled by the fact that Bank of America has a very cavalier attitude about the missing funds. It's a lot of money to me. Over {$21000.00} and I have proof.

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 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: IA

Complaint narrative:
SPOKE TO CHIME REP. SEVERAL TIMES REGARDING MISAPPROPRIATION OF FUNDS THEY SAID I CANT PROVE IT THEY CANT DO ANYTHING ABOUT IT. SO, I STARTED TAKING A SCREENSHOT OF MY TRANSACTIONS SO I CAN PROVE THAT THE AMOUNT THAT IS REPRESENTED IN THE APP. IS NOT CONCURRENT OR RFECTING WHAT THE ACTUAL AMOUNT SHOULD BE. AGAIN, MADE THEM AWARE THAT I HAD PROOF AND STILL NOT RESOLVED. ON XXXX I CALL AND SPOKE TO A CHIME REP. AND LET THEM KNOW THAT MY SPOT ME FEATHER WAS INCORRECT. THEY STATED THAT THE PAYMENT FOR XXXX  WAS POSTED ON XXXX XXXX, WHEN IT WAS ALSO POSTED XXXX XXXX AT XXXX AND AT THAT TIME MY BALANCE WAS - {$35.00} AT XXXX PER SCREENSHOT XXXX HOURS AGO A PAYMENT FROM XXXX. NO OTHER TRANSACTIONS FOR THAT DAY.NOW, TODAY XXXX XXXX ACCOUNT BALANCE - {$35.00} WHEN I WOKE UP FIRST PURCHASE XXXX XXXX XXXX AMOUNT - {$7.00} FOLLOWED BY XXXX XXXX XXXX AMOUNT - {$30.00} AND XXXX  - $ XXXX THEN I CHECK MY ACCOUNT BECAUSE I DONT TRUST THE BANK TO BE ACCURATE IT STATES- {$100.00} WHEN IT SHOULD BE- {$90.00} SO I CALL THE CHIME REP. FIRST STATED THAT THIS MORNING MY ACCOUNT BALANCE WAS POSITIVE {$16.00} DUE TO A REFUND THAT WAS GIVEN BACK BY XXXX I MADE THEM AWARE THE IT DID NOT REFLECT THAT REFUND ON MY APP. THAT SUPPOSE TO REAL TIME. AND IF THAT'S THE CASE THEN MY CURRENT BALANCE IS WAY OFF. EXPLAINING THAT MY BALANCE SHOULD BE- {$38.00} GIVEN THAT I ONLY MADE THREE TRANSACTIONS TODAY THEN SHE COULDN'T EXPLAIN HOW MY BALANCE GOT TO - {$100.00} SHE COULDN'T EXPLAIN IT SO SHE PUT SUPERVISOR ON THE LINE AND HE BLATANTLY LIED STATING THE XXXX  TRANSACTION WAS TODAY AND NOT YESTERDAY, SO THEY TOOK TWO PAYMENTS OF {$65.00} THEY STATED THAT I HAD TO PAY THE BALANCE IN ORDER TO GET THE {$1200.00} THAT WAS IN MY SAVINGS. THEY NEED TO BE HELD ACCOUNTABLE FOR CONCOCTING WAS TO STEAL HARD WORKING PEOPLES MONEY THROUGH THE XXXX XXXX XXXX THINK ABOUT ALL THE PEOPLE THAT DONT PAY ATTENTION TO THEIR TRANSACTION HISTORY CAUSES THEY TRUST THEIR BANK TO ONLY TAKE WHAT IS NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I received a letter from XXXX XXXX XXXX, dated XXXX, about my credit report. The letter stated " [ 1 ] report ( s ) of negative information added to your file. '' I was shocked and concerned because my credit is very good. However, I know identity theft can and does occur. 

I called them to ask about this and spoke with a woman called XXXX She wanted me to verify my identity in order to provide a report detailing this negative information. So after asking as many questions as I could to verify who they were and what this information was, " XXXX '' told me that Equifax made " eight hard inquiries '' from XXXX to open new credit. I provided my name, address, birthdate, SSN, etc. to verify my identity. While XXXX put me on hold to open an investigation and dispute, '' I checked Equifax and XXXX. According to these sources, my credit is fine and there were no hard inquiries. 

When XXXX  '' came back on the line and I told her this, she had no answers or explanations. She just insisted that they would open the investigation. She was in a hurry to get off of the phone after this. When she hung up, I googled the company again and learned that the XXXX gives them a D-. I called the XXXX  and they advised me what to do to address identity theft and fraud.

Company response to consumer: Closed with explanation