vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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: CA

Complaint narrative:
so i sent a couple of letters to the bureaus, and i have not herd anything back, this was 60 days ago and to my understanding i should have heard something from someone, no one has called me but i have called them but i cant get on the phone with a live person, there is something wrong with that because it is hindering me from getting credit because every time they pull up my report they can see whats on there, it is a bankruptcy that should not be on my credit report, i spoke to the court about this matter and they said they do not report to the bureaus please remove it from my credit report. either respond or delete whats on there off. my list of things on my credit report will be posted below. 

Equifax. 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Voluntary XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX. 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXpetition filed Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX

1. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy filing Case Number : XXXX This account is inaccurate. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services does not have a current Agent for Service of Process on file with the state of California. When I called Credit Collection Services to ascertain the new agent for service of process, no employee provided the information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone use my personal information to opening checking and banking accounts.These are fraud accounts open in my name.

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 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX CFPB, Oportun credit card payment scam issue number two. 

Please check out the screenshots for today 's current summary transaction. The summary transaction total is {$320.00} while in the oportun online account summary the current balance is {$1000.00} ( see attachment : oportun credit card XXXX XXXX ). This means when my autopay pay the balance at due date, it would be the scam number XXXX not the transaction sum of {$320.00}. 

Also, the credit card usage is declined already for no reasons. 

XXXX XXXX XXXX ssn : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I HAVE DISPUTED THIS CREDITOR AND INQUIRIES THROUGH EQUIFAX. I SENT IN ALL PROPER DOCUMENTATION AND THEY ARE REFUSING TO REMOVE THESE ITEMS FROM MY CREDIT REPORT. I AM ALSO A VICTIM OF INDENTITY THEFT. I FIRST DISPUTED THE ITEM OF {$3900.00} AND INQUIRIES IN XX/XX/2021 AND AGAIN XX/XX/2021. MY DISPUTE WASNT OPENED AND I SENT IN DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
Debt doesnt belong to me and they keep calling harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX XXXX, XXXX, and XXXX  have $ XXXX Government Student Loan Reporting on my credit report which is not true and misrepresentation of Federal Truth In Billing Act and FTC law. Proof attached for wrongful recording on my credit report attached. All my government student loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed a bankruptcy that is appearing on my credit report ( s ) multiple times as having incorrect information and therefore causing me to think I was a victim of identity theft. Ive disputed multiple times, and even requested them to provide me with the the method of verification. When I was supplied the method of verification, it even listed a completely different court than is currently showing on my credit report. I need the bankruptcy that is showing on my credit report removed as soon as possible, as the incorrect information is damaging my ability to obtain credit and hurting my good name.

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 2021-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: FL

Complaint narrative:
I have reason to believe, and do so believe, that Lendmark Financial Services did not loan me anything and I do not have any alleged debt with them. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. As pursuant to 12 USC 1431 ( a ). The power and duties of banks is to be a borrower. I have reason to believe, and do so believe, that Lendmark Financial used my credit card to get a loan, and pursuant to 15 USC 1692j ( a ) created and furnished a deceptive form in the attempt to make me the consumer think I got a loan. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response my mail. Lendmark Financial has continued to report on my consumer credit report during this time, with no regard for federal law nor my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This is to advise University Accounting Service , LLC, DBA UAS, LLC, that I do not owe and have not owed for over 35 years any student loans whatsoever. Having graduated in 1979 from XXXX University with a XXXX XXXX, all of my student loans to XXXX were satisfied in full back in the XXXX. Given the many years since they were paid, I do not have any written proof. However, as I recall, all student loans were fully satisfied in a 5-year repayment plan under a Chapter XXXX bankruptcy. The plan was satisfied in full and, if any balances on the loans remained, the balances were discharged under the terms of the Chapter XXXX. Therefore, be advised that I have not owed nor have I been billed for any student loans for well over 35 years. 

In conclusion, I believe your current attempt to bill me is a SCAM to dun seniors for loans satisfied years ago anticipating that all paperwork to prove the loan satisfied is no longer available. 

This is to request you desist from your false billing. I am reporting this attempt to collect from me as the SCAM against senior citizens that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX Wire transfer fraud on personal checking account XXXX Amount of wire transfer fraud was {$1500.00} XXXX phone call to inform Citibank wire fraud department XXXX Walked in to local branch # XXXX to change checking accounts XXXX Called Citibank wire fraud and spoke to XXXX ( fraud prevention specialist ) and she said that they had opened a case # XXXX and that I should file a FBI report. 
XXXX I filed an Internet crime complaint ( XXXX ) XXXX I called Citibank Fraud department and spoke to the dispute department ( XXXX ) Was told that they were working on the wire fraud XXXX I called Citibank fraud department and was told that I would not getting my money returned and that I should look at getting an attorney. 
XXXX I spoke to XXXX XXXX XXXX XXXX in XXXX CA and she would follow up on the wire fraud investigation XXXX I went into Citibank branch bank and spoke to XXXX XXXX bank manager about the wire fraud and was told that there was nothing he could do at his level that it was in the the hands of the fraud department, and unfortunately it looked like i would not be getting my money back XXXX XXXX from Citibank wire fraud department ( ( XXXX ) XXXX option XXXX ) called me to verify the wire fraud and if I had filed an affidavit of unauthorized on line wire transfer and told her that I had not filed or had knowledge nor was told of this claim procedure XX/XX/21 - I went into Citibank branch # XXXX and filed an affidavit of unauthorized on line wire transfer. 

XXXX wrote a complaint letter to XXXX XXXX Citibank CEO regarding wire fraud and how unhappy I am with the process, progress and resolution.

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 2021-07-19 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: MD

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: OH

Complaint narrative:
On XX/XX/2021 I went to XXXX XXXX website inquiring about business credit. During the application process instead of putting my social security number I put my business EIN because it was supposed to be for business credit not personal credit and I submitted the application it gave a pop up page saying to further my application I need to call. I called and spoke to a lady and explained to her that I was trying to apply for business credit so I didnt disclose my social security number but I put my business EIN number and she explained for that specific card they would need my social security number so I asked her if its gon na be a hard inquiry on my credit report and she said yes and I told her no I didnt want to do that and she recommended I go back to the website and apply for the other business credit card because I could use my business EIN for that one so I did and it gave me the same pop up and I called and spoke to a different lady and she explained they would need my social security number and I told her no thank you because I didnt want this going on my credit report. I made everything clear as to not go with the application if it was going to go on my credit report as a hard inquiry. I never gave them my social security number and I have been trying to get both inquiries removed since then. Nothing is helping and its frustrating because this shouldnt have happened. Im sure our conversations were recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/2021 I XXXX XXXX the natural person received a letter from XXXX XXXX XXXX stating that I pay debt. I do not owe any debt to XXXX XXXX or did I do any business with them for them to have my information and I am furious that they inconvenience me by calling and me and asking for money and send me letters demanding money. This a violation of my consumer rights and according to 15 USC 1692k the are criminally liable for {$1000.00} for each violation they've violated under the FDCPA.

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 2021-07-19 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:
Trans Union is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over XXXX points. 

Today I talked with a supervisor- XXXX XXXX who said that all he could do was file another dispute even though Trans Union has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Trans Union with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.

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 2021-07-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX  I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
old CFPB case # XXXX, XXXX isn't solved. Bank of America closed in XX/XX/XXXX. Now is XX/XX/XXXX. But I haven't received my remaining balance since they closed my account. They are holding more than {$30000.00} of mine and get me into a financial hardship. I went to their branch at XXXX XXXX XXXX XXXX, XXXX, CA XXXX in the end of XXXX to try to change my address. Their clerk told me to change it on their mobile app in my phone. I did it in front of their clerk. The bank closed my account in XX/XX/XXXX and said they have sent a notice letter and a check to my old address. But I am not able to get any mail from the old address since the end of XXXX. I never get any phone, text or email notice from the bank even though they have all of my information. It's the bank 's mistake which did not update my address on time and did not give me any notice to close my 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 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed a bankruptcy that is appearing on my credit report ( s ) multiple times as having incorrect information and therefore causing me to think I was a victim of identity theft. Ive disputed multiple times, and even requested them to provide me with the the method of verification. When I was supplied the method of verification, it even listed a completely different court than is currently showing on my credit report. I need the bankruptcy that is showing on my credit report removed as soon as possible, as the incorrect information is damaging my ability to obtain credit and hurting my good name.

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 2021-07-19 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: VA

Complaint narrative:
I have disputed a bankruptcy that is appearing on my credit report ( s ) multiple times as having incorrect information and therefore causing me to think I was a victim of identity theft. Ive disputed multiple times, and even requested them to provide me with the the method of verification. When I was supplied the method of verification, it even listed a completely different court than is currently showing on my credit report. I need the bankruptcy that is showing on my credit report removed as soon as possible, as the incorrect information is damaging my ability to obtain credit and hurting my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
On XX/XX/2020, ACCOUNT RESOLUTION SERVICES ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX FL, XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sol and I am no longer responsible for the account. I've written a goodwill letter, called multiple times and provided proof of fraud activity goin on my name. I was told from one agent it will be removed and I have received no efforts.Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature doesnt not validate the debt and anybody can send me a bill and say its mine. According to the FCRA, ( ACCOUNT RESOLUTION SERVICES ) has violated my rights as a consumer and im requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation