vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ASTA FUNDING INC.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Palisades Collection LLC and their representing attorney, XXXX XXXX XXXX ( Attorney ID : XXXX ), for what I believe to be violations of federal debt collection laws and unethical practices. 

My name is XXXX XXXX XXXX, and I am a resident of XXXX XXXXXXXX XXXX XXXX For over a decade, my wages have been garnished by Palisades Collection LLC, represented by XXXX XXXX, without any prior notice or validation of the debt they claim I owe. I have not received any communication from a process server from the United States Postal Service, which I understand to be the legal method for serving a subpoena or sending a collection notice. This lack of proper notice has denied me the opportunity to verify or dispute the debt as provided by law. 

According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, a debt collector is required to send a written notice containing the amount of the debt, the name of the creditor, and a statement that the consumer has a right to dispute the debt within 30 days of receipt of the notice. If the consumer disputes the debt, the debt collector must cease collection efforts until they have provided verification of the debt. In my case, no such notice was provided, and my wages continue to be garnished. 

Furthermore, I believe that my personal information, including my address, was obtained illegally. This is a serious concern as it suggests a violation of my privacy rights. 

I also want to bring to your attention that I am a XXXX woman living in a XXXX neighborhood in XXXX XXXX XXXX XXXX I have observed that Palisades Collection LLC has many collections against individuals in similar neighborhoods, which raises concerns about discriminatory practices. 

I kindly request that the CFPB investigate these matters. I believe that the actions of Palisades Collection LLC and XXXX XXXX may be in violation of federal law, and I am seeking your assistance in addressing these concerns. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-07-28 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX, GA 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 2023-07-28 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: MN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2023 Service for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX was completed and a check for {$750.00} was signed by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) was mailed. 
XX/XX/2023 Check from XXXX XXXX XXXXXXXX was deposited into my ( XXXX XXXX ) checking account ending in XXXX ( Check # XXXX ). 
XX/XX/2023 Check is shown to be posted and processed by issuing bank ( XXXX XXXX ) XX/XX/2023 Check was under investigation for alleged fraudulent activity and account was placed on hold. 
XX/XX/2023 Check deemed fraudulent and checking account in the beginning stage of closure without any warning or reason. 
XX/XX/2023 Account still in process of closure and funds previously on account have been held as well as the {$750.00} check deposited. 
XX/XX/2023 Told I was unable to create a claim to retrieve the funds of {$750.00} from check deposited as well as the XXXX XXXXXXXX that was previously in account.

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 2023-07-28 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TN 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 2023-07-28 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-28 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: NY

Complaint narrative:
I write this in reference to the Fair Credit Reporting Act ( FCRA ) and believe my federally protected consumer rights ; specifically my right to privacy and confidentiality under 15 USC 1681, have been breached. The accounts involved in this violation are as follows : XXXX - Account number : XXXX XXXX XXXXXXXX - Account number : XXXX XXXX XXXX XXXX  - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Section XXXX ( A ) of 15 U.S.C 1681 safeguards my right to privacy. Additionally, Section 604 ( A ) ( 2 ) of the same code outlines that a consumer reporting agency may not provide account details without the written consent of the concerned consumer.

Section 1681c ( a ) ( 5 ) of 15 U.S.C mandates that a consumer reporting agency can not include any adverse information other than criminal conviction records that predate the report by over seven years.

As per 15 U.S.C 16 1681s-2 ( A ) ( 1 ), it is illegal for anyone to furnish consumer-related information to any consumer reporting agency if they are aware, or have justifiable reason to believe, that such information is inaccurate. 

These inaccuracies are currently obstructing my ability to purchase a home for my family and are negatively impacting my financial prospects. I hereby request the immediate deletion of these inaccuracies from my credit report. 

I anticipate your swift attention to rectify these inaccuracies, as this matter is crucial to my financial future.

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 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
In XX/XX/2023 I paid {$4700.00} {$100.00} of which was a disputed late fee that I very clearly did NOT agree with paying.and they took the {$100.00} out of my checking account without my consent. This was fraud. 
I set up auto pay and on XX/XX/XXXX they deducted this amount from my checking account {$2300.00} and instead of applying this to my account they held it as of today for XXXX days in 'suspense '' and it is in their account collecting interest while my account shows unpaid and i effecting my credit history with late payments. They themselves can not ive a reason Why I am in suspense as if looking deep into the account they see that it is actually paid even though it shows past due.which is concerning amd scary. 

We just want our payment history to be reflected on our credit history as we have been paying on time and the bank is not applying the funds properly as is their responsibility.

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 2023-07-28 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: FL

Complaint narrative:
i have sent the documentation several times please resolve the issue asap! this is unacceptable! i have sent the docs over 5 times!!

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX XXXX originally creditor account # XXXX admission date XX/XX/XXXX I believe I was over charged and outside of that I was placed on a payment plan and in XX/XX/XXXX the last payment was posted and then when my plan card updated they failed to send me a new statement or request to change to a new card. My payments were to be cut off once my financial assistance application was approved dated XX/XX/XXXX. Once I saw no more payment it was my understanding the balance was paid off. Since that date I also received no more correspondence from the hospital. I then received a notice from collection agency that i was reported to them Credit control corp of Newport news VA. I have no idea if the balance is correct or if I was approved for a payoff. I disputed the bill with the collection agency but they refused to remove it from my credit and I called the hospital and they refused to correct the issue and the rep was rude and dismissive and made me wait on the line to get a supervisor 's number intentionally because she was upset i cussed because i feel the hospital had no regard for me, or my financial situation to send my account to a 3rd party with no contact or notification. Then i offered to pay them directly and they refused. and they refused to remove the acct from the collector. I feel like there practices violate collection act, hippa and I am requesting a goodwill deletion from my credit report due to the errors by the hospital collections department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: VA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
Just received the cards and tried to follow the Bank of America app to activate the card. Instead Im met with a message saying there has been suspicious activity on the account. I just got the card! I have called several times and even tried using other ways to activate the card. Im confused how a card I just got, a brand new account has suspicious activity on the account. I can not get through to talk to the company. I sat on hold for hours and still havent spoken to someone.

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 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
There is a collection on XXXX and XXXX that I have tried disputing but did not come off. The collection had come off XXXX only. The collection is titled CCS Collections for the amount of {$2300.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: CA

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-07-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I summitted a dispute for negative items on my credit report profile. They sent me a letter stating that they could not verifiy me. However I submitted proper documents to verify my identity. I contacted Trans Union and asked them to process the dispute and I answered all inquiries about my profile they requested to have me verifiy. My Dispute currently is not processed. I would like for the negative Items to be deleted.

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 2023-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Commencing on or about XX/XX/2022. I fell victim to a muti-layered scam operation orchestrated by XXXX ( the company ), with the design, development, manufacture, promotion, marketing, distribution and labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. After gaining a substantial amount of profit acquired from the trading transactions, it seems that the funds in the investment platform can not be extracted anymore as instructed by the scammers withdrawal process and was told to wait for a few hours and it will be deposited in my cryptocurrency wallet address, but it never came. It was a very frustrating ordeal since my hard eared money was all gone using their very precise manipulation of the market trading nodes that appear to be a bogus transaction. Money was transferred from my Bank of America account via wire transfer, and through an intermediary cryptocurrency platform XXXX  in the total amount of XXXX USD. ( XXXX successive wire transfers ). I lost my funds due to their misadministration and manipulation. Bank of America failed to protect me, and I failed to meet them halfway after so many tries to get in contact and ask them for 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 2023-07-28 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: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: HI

Complaint narrative:
Tranunion XXXXXXXX XXXX ( XXXX 's XXXX ) requested your credit report on XX/XX/2023.

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