vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
it has been more then 35 days since I ' ve sent my letters to the 3 credit reporting agency and i still haven't received any responds. Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences. I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. I told the 3 credit reporting that I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on their website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. I require a fraud alert on my account and all visible information completely blocked and deleted upon forwarding of the identity theft report and this affidavit of truth to any alleged creditor. Please Block this information from my credit report, pursuant to section 605B of the fair credit reporting Act, and send the required notifications to all furnishers of this information. I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED this ACCOUNT and its derogatoriness as being associated with the above-mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or inquiries and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently.

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
it has been more then 35 days since I ' ve sent my letters to the 3 credit reporting agency and i still haven't received any responds. Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences. I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. I told the 3 credit reporting that I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on their website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. I require a fraud alert on my account and all visible information completely blocked and deleted upon forwarding of the identity theft report and this affidavit of truth to any alleged creditor. Please Block this information from my credit report, pursuant to section 605B of the fair credit reporting Act, and send the required notifications to all furnishers of this information. I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED this ACCOUNT and its derogatoriness as being associated with the above-mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or inquiries and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ii filed a dispute with Experian regarding and account on my credit report. The account is XXXX XXXX XXXX. I requested that XXXX XXXX legally validate this debt and prove ownership of the debt. According to the Fair Credit reporting act. A company has to supply me with a letter of validation with in 30 days of m request. A company has to prove ownership of debt. XXXX XXXX has not validated this debt to the standards of legal debt validation nor have they proved ownership of debt. They have yet to send me a debt validation letter or prove ownership of this debt even though I started requesting this information in XXXX of 2021. Experian ruled in favor of XXXX XXXX and is claiming this debt is verified and so is ownership of this debt. I want to see the documents that Experian is claiming legally validated this debt and proves ownership of this debt. I have a right to see it and challenge the authenticity and legality of those documents.

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 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Step 1 : What is this complaint about? 

A cashiers check was purchased using my account information at Bank of America branch on XXXX XXXX XXXX XXXX, NY XXXX in the amount of {$700.00} on XXXX without my consent by an imposter. The banks fraud department freeze the account and opened a new account and refused to return the funds, stating they have to recover the funds first and it will take 90 days to complete an investigation. I dud not authorize funds from my account to be used by any external or internal person or agency and this is fraud. 

The bank has since closed the case on the basis that I received funds through an ATM transaction which is not the case. An ATM transaction was attempted on the same day but not at the same time for the same amount of {$700.00} but the ATM did not disperse the money. I contacted the servicer of the ATM in the bank as advised by one of the branch bank representatives and they did issue a credit or reversal the same they to cover the funds so that was resolved with no needed investigation. 

I did take an over the counter withdrawal of {$700.00} that same day after the ATM did not disperse the funds. 

The bank removed the transactions for view online and now deny a cashiers check or additional over the counter transaction was completed for {$700.00}. 

I am filing a complaint against the Bank of America branch for mismanaging the funds in my account and participating in fraudulent activities. 

I request the Bank of America return my funds and an investigation conducted. A subpoena of the bank records regarding any and all accounts in my name or sub accounts attached to accounts in my name should be sufficient evidence. I have banked with them since around XXXX - XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Also Known As : XXXX XXXX, Also Known As : XXXX XXXX, Former : XXXX XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX has been discriminating against me. XXXX XXXX XXXX XXXX has inaccurate information about my credit and credit report. That has caused the company to deny me for their products and benefits. This is defamation of my character For several years they have been using this information against me as a consumer so they could charge me higher interest rates and make more money off of me. I am well aware that my credit reports are good. This issue is not one with the credit bureaus, the information is stored on XXXX XXXX 's App and not one of the 3 bureaus report this to them. They refuse to update the credit info they have. XXXX XXXX  has tried to push this off on the bureaus.I asked them to check my credit. XXXX XXXX has lied to me for years i know my credit status. I have spoken with supervisors in regards to this and they did not provide me with a good answer. I have been discriminated against enough this not the way to have a good financial relationship. Companies as well as credit reporting agencies are required by law to keep accurate information. This is not acceptable. I qualify just like my caucasian peers do. I want all of my accounts to be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Whom this may concern I have been writing, calling and crying about these so called late payments! I keep getting letters saying that its not my sending these request. I have sent my passport. my id, XXXX bill and my ssn card at this point someone can take my identity. I have asked all of the bureau 's and the department of education to provide proof of me ever being late. Please remove all late payments and change the payment status to current because of the Cares Act for my prior request has falling on death ear and this is a violation that no one seems to care about but me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Sunday the XXXX of XXXX I received an email form TD Bank that said I had opened a bank account. I then received XXXX additional emails saying that the phone number and email was changed. I called the bank and reported to them what had happened. They told me the account was closed as of right then on Sunday the XXXX. On Tuesday the XXXX, I received another email saying thanks for choosing us again, and looks like a visa debit card was sent out. The morning of Wednesday the XXXX I called in again to report the additional email and make sure the account was indeed closed, which I was told it had been closed. I was told by the fraud department to report the incident to FTC.gov which rerouted me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: SC

Complaint narrative:
Service by XXXX XXXX XXXX was provided on XX/XX/XXXX. 

New bill was provided by XXXX XXXX XXXX on XX/XX/XXXX. 

Payment was made to XXXX XXXX XXXX and receipt received the same XXXX, XX/XX/XXXX, matching the amount of {$100.00} and the account number later provided by debt collectors. 

H & R Accounts Inc called to collect the debt in XXXX XXXX, at which point I indicated that the payment had already been submitted directly to XXXX XXXX XXXX and that they needed to get updated records from XXXX XXXX XXXX. 

XX/XX/XXXX, XXXX PM, the same representative from H & R Accounts Inc called again for the same debt, claiming it had not been paid. I provided the information from my receipt, which matched the debt he was calling about ; however, he insisted their records state differently, and I requested again that they get updated records from their partner, XXXX XXXX XXXX. While trying to clarify what other information was needed and the next steps they would be taking, the representative hung up on me while I was asking questions. 

XX/XX/XXXX, XXXX PM, I immediately called back and reached another representative who confirmed my identity and repeated the debt they have according to their records. I again provided information from my XXXX XXXX XXXX receipt, all of which matched the debt in question. I pointed out to the representative that there appears to be a systemic issue with their record synchronization between H & R Accounts and XXXX XXXX XXXX and was told that they will request updated data from XXXX XXXX XXXX. 

I have lost XXXX minutes of time during my workdays dealing with H & R Accounts Inc 's false debt claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime emailed me on the XX/XX/21 saying my account had been closed due to non-compliance of the deposit account agreement. I've been banking with them for many years. I don't really do anything that interesting with my banking and I haven't changed anything over the last year. I asked them to tell me why my account was cancelled and that I can provide receipts or evidence for all of my payments to make it clear I'm not doing anything dodgy. I have evidence for everything and it was all normal banking activity. They just kept replying that they are closing my account in XXXX week. Now I have to move all of my banking and pay higher fees for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
This is the XXXX or XXXX time I have submitted this complaint. HSBC receives my payments and the funds are deducted from my checking account but they are NOT applied to available credit. You people have done nothing to help me resolve this continuing problem. I am asking you to do an audit of this company to determine where and how the funds are used when they are not available to me. I expect to see some action on a thorough audit. In the meantime I intend to contact my congressman to make him aware of your total inaction in this matter. I expect a communication forthwith informing me that an audit has started. Do not ignore me again. I expect action not just an e-mail telling me the company has been contacted. WHERE IS MY MONEY?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This collection company has yet to provide PROOF that this debt is mine. They can not furnish proper validation because this debt doesnt belong to me, Ive never signed for a CC with the original company. Ive reached out to the collections company asking for proof, Ive called and spoken to someone they just say they have but havent. This is impacting my overall perfect credit score in such a negative way because they know its not mine, yet theyre trying to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed this account with XXXX XXXX  multiple times and they kept on sending me these past statements and stating that the account is valid. I understand that they might have a valid account but this account does not belong to me and I Have been stating that since I first noticed the tradeline on my credit profile. at the time, when I called to question the account, XXXX sends me a letter stating that they never issued a credit card to me and that the error will be corrected. Fast forward to date, the account is valid and accurate?. 

I attached a letter from XXXX  dated XX/XX/2021, with a USPS stamp date of XX/XX/XXXX, XXXX the letter stated in short, that they investigated the account and confirm the debt. and that they declined my request to provide additional information to validate this debt. 
XXXX has not provided any proof that this debt belongs to me, all that they send are copies of statements that do not prove that I had access to this account, that I benefited from this account, nor did I signed for or even applied for such account. I spent a lot of time going back and forth with XXXX XXXX  on this matter, I would like this account blocked from my credit profile.

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed this account with XXXX XXXX  multiple times and they kept on sending me these past statements and stating that the account is valid. I understand that they might have a valid account but this account does not belong to me and I Have been stating that since I first noticed the tradeline on my credit profile. at the time, when I called to question the account, XXXX sends me a letter stating that they never issued a credit card to me and that the error will be corrected. Fast forward to date, the account is valid and accurate?. 

I attached a letter from XXXX  dated XX/XX/2021, with a USPS stamp date of XX/XX/XXXX, XXXX the letter stated in short, that they investigated the account and confirm the debt. and that they declined my request to provide additional information to validate this debt. 
XXXX has not provided any proof that this debt belongs to me, all that they send are copies of statements that do not prove that I had access to this account, that I benefited from this account, nor did I signed for or even applied for such account. I spent a lot of time going back and forth with XXXX Bank on this matter, I would like this account blocked from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation