vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
A Citizens bank account was fraudulently open in my name back on XX/XX/XXXX XXXX XXXX I called to resolve it and was told they would flag my account as fraudulent and I was informed that it would not be able to be open again. I got an email today XX/XX/2022 asking how my recent experience was with Citizens bank. I called them today after seeing the email and the representative told me that I never had a bank account with them. When I read the email address back to them from previous emails about opening an account they confirmed the email address was from Citizens bank. I do not want to bank with them and would really like for this fraudulent account be closed. I have worked hard to maintain a good credit score and I am a week away from closing on my house I can't have this on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NY

Complaint narrative:
There are multiple student loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATIONXXXX XXXX which accumulated over {$200000.00}

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 2022-04-06 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: NY

Complaint narrative:
There are multiple XXXX  loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATIONXXXX XXXX which accumulated over {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NY

Complaint narrative:
There are multiple XXXX  loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATION/ XXXX which accumulated over {$200000.00}

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 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On Saturday XX/XX/XXXX, I met a vendor via XXXX and we exchanged information to purchase a set of tickets for a concert occurring the same night ( texts included ). The concert tickets for the show were confirmed via photo. 

I received their information and had a brief call with them to ensure the legitimacy of the purchase. Following this, I transferred {$200.00} via the XXXX option on the Bank of America mobile application. 

The vendor continued communications for roughly 15 minutes to confirm the legitimacy of payment, and then stopped responding via text. Following this, I called and the number had been disconnected. 

Following this, I attempted to call the Bank of America customer service line which was not available that night because they were closed. I then called again during that week to file a fraud claim with their Fraud Department on Tuesday, XX/XX/XXXX. I was not asked any questions other than which transaction it was and the amount of the transaction, as well as a confirmation of my account information. I was told that in 10-45 days I would hear about the status of my claim. 

On Tuesday, XX/XX/XXXX Bank of America contacted me with a confidential message letting me know that my claim had been denied and that they may attempt to reach out to the other user to recover the funds, for which I could potentially hear back in 45 days.

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 2022-04-06 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: MI

Complaint narrative:
I have several accounts that I think need to be investigated because they are not accurate. There is a letter attached that will explain everything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-04-06 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NY

Complaint narrative:
file # XXXX I sent a report for the 5 inquiries to be removed and you guys sent me a letter back verifying the inquiries. According to 15USC 1681 I, its my rights to have a verification of the procedure of the investigation that you did to verify the inquiries in my credit report. Failure of verification i would like to have these 5 inquiries removed immediately or else for each inquiry if no response over 30 days is a {$1000.00} non compliance per violation.

15 USC 1681I i have the rights of the summary of the description of the reinvestigation in detail which i should have the sources, file and the report recipient. 
Failure of the summary of the description of the reinvestigation will be a Non compliance judgement of {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I disputed a debt being reported on my credit report and instructed XXXX that I am not familiar with the debt, the company reporting the debt ( PYOD LLC. # XXXX ) and have not done business with the listed original creditor XXXX XXXX. 

I requested an investigation into the incorrect information and requested some form of signed documentation that the account being opened in my name and social security number had been authorized by me. I did not receive any form of documentation from either XXXX, PYOD LLC. or XXXX XXXX, I do not feel this request is exceeding my legal rights under federal law, if no one produces documentation, then what prevents a company from falsely claiming a debt is owed and just reflecting it on your credit report. 

I would like to have any signature obtained supposedly authorizing the original account to be opened, examined by a professional recognized by the XXXX XXXX Nebraska XXXX XXXX, as I did not authorize an account be opened and I want to have the signature compared to my years of signatures. 

They failed to obtain documentation and only informed me that the debt had been verified as accurate and never produced documentation to substantiate the claim that the debt was/is valid. 

My next step if it is not corrected thru this process will be to file a complaint with the F.T.C. for the failure of XXXX to maintain only 100 % accurate information within my Credit Reporting File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NY

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX XXXXXXXX. showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NY

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX XXXXXXXX. showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Please delete the items as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have several items that I need to have investigated see the letter attached for details

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 2022-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Lincoln Educational Services Corporation
State: MD

Complaint narrative:
I was asked to leave campus because of a XXXX  outbreak in my XXXX. During the height of the outbreak when laws were made surrounding how many XXXX  to a XXXX. Lincoln Tech went against the laws and packed the XXXX  to capacity. My XXXX  received a XXXX XXXX  result and the school advised everyone in the XXXX  go home. The course is hands on so we were unable to take online classes. As a result I was advised to start the course over. The school placed the room and board portion of my XXXX  loan on my credit as a charge off without any notice. I was not offered a deferment or forbearance. I will reached out for help from the XXXX  XXXX XXXX XXXX and was advised they could not help as the school claims that the loan is from a third party but placed it on my credit as Lincoln tech. The school stated in the attached letter that I can return when I clear up my debt with the school and on the same document they say the debt is with a third party and not the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts and inquiries has violated my rights. 

DEPT OF EDUCATIONXXXX Educational -Account # XXXX DEPT OF EDUCATION/XXXX  Educational -Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  -Account # XXXX The inquiry was not authorized XXXX XXXX XXXXR The inquiry was not authorized XXXX  XXXX XXXX The inquiry was not authorized XXXX XXXX The following personal information is incorrect Former : XXXX XXXX XXXX The following personal information is incorrect Also Known XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX NJ XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX TX XXXX The following personal information is incorrect Employers : XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX  The inquiry was not authorized XXXX  The inquiry was not authorized XXXX The inquiry was not authorized XXXX/XXXX  The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX, XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NY

Complaint narrative:
Company, TrueAccord, is trying to collect on a zombie debt of {$8300.00} with XXXX XXXX XXXX ( current creditor of your original XXXX ( South Dakota ), XXXX. ( XXXX XXXX XXXX ) account ) despite the fact that this debt is way past the statute of limitations by XXXX years. I responded months ago, disclaiming this debt and demanded they cease harassing me. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
See attached complaint.

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 2022-04-06 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
ive been a victim of identity theft with a credit card from XXXX XXXX  being collected on by cavalry portfolio recov i never used nor gave permission to use this account in my name and ive spoken with several company reps to have this matter resolved as of XX/XX/2022 it is still inaccurately on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-06 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This is in response to the CFPB your company provided to me ( your response attached ) To whom may concern I contacted the Attorney General of Florida ( attached ) I reported the fraud from your company with the FTC ( attached ) If you default again I will contact the Office of Financial Regulations, file a police report due to Identity theft by your company and File a complaint with the XXXX XXXX XXXX.

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) you proceeded to mail a simple statement which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you need to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified letter. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident.

You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I highly doubt that this $ ( XXXX ) debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. 

Please be advised the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met.

Company response to consumer: Closed with explanation