vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
In early XXXX of XXXX, XXXX XXXX XXXX XXXX processed XXXX fraudulent transactions with XXXX. While the transactions were against our " checking account number '', the signature on the transactions was not ours, nor was it even in our name. 

The transactions were clearly fraudulent, and in our opinion, would have required " insider '' support. In the same month, we received a notification of debt collection from TRS Recovery Services ( an affiliate of Telecheck Services , Inc ) trying to collect on the fraudulent transactions. We filed a police report regarding the fraud, and forwarded this report, along with the multipage " disputed debt form '' we got from TRS Recovery Services to TRS Recovery Services on XX/XX/XXXX. At the time, we requested copies of the fraudulent checks to provide to the police department to assist in the department 's investigation. We never heard back from TRS Recovery Services. 

In XXXX of XXXX, approximately five ( 5 ) years later, we are contacted by XXXX XXXX XXXX XXXX, aka XXXX, ( an affiliate of TRS Recovery Services and XXXX XXXX XXXX XXXX ) attempting to collect on the debt associated with the fraudulent transactions. The initial contact was via phone at which time we explained that we had done everything TRS Recovery Services had requested in XXXX of XXXX and we considered the matter closed and any further attempts to collect this debt was, in itself, fraud. Subsequent to this phone conversation XXXX sent us two letters requesting we complete an " Identify Theft Victim 's Complaint and Affidavit '', a six ( 6 ) page document that resembles the " disputed debt form '' we completed for XXXX five ( 5 ) years previously. 

We feel this continued attempt to coerce us in to paying debt created by Telecheck Services Inc. 's inability to stop the original " identify theft '' and " fraudulent transactions '' is fraud. The company responsible for enabling the theft is affiliated with the companies attempting to collect the " debt ''. We respectfully request you take action against these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
On Friday XX/XX/2023 I received an email from XXXX XXXX at Lightstream XXXX stating that my loan application had been approved and to email her back to start the process. I did and then I spoke with her over the phone and then she sent me my loan documents. I did further research trying to make sure this was legitimate and did not find anything on this company. I then was told because my account was in the negative that they would be doing a " deposit " to make it positive and that I would need to return this money as a " good faith gesture '' via XXXX XXXX or XXXX., as you will see by the screenshots I did this several times and then they did another " deposit '' of XXXX and had me do the same thing but I had reached my limit so the next day I has to transfer the additional XXXX and that was the last payment I had to do. BUT they then deposited 2 more XXXX amounts in my account and tried to access my account and they were denied. By then the bank had noticed all this and froze all my accounts. I then had a negative balance of XXXX and the bank then transferred the XXXX that was in my savings for my sons wedding in XXXX to my checking account and that left me XXXX negative they have since removed all the fees and I am still almost XXXX in the negative. I have never seen any of the " loan money '' that I was promised. This is nothing if completely fraudulent and unbelievable. You will see from the attached documents that this looks very legitimate with all the FDIC numbers on the last page of the loan documents. I have attempted to contact all the numbers they have not responded to text, voicemail or emails.

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 2023-03-09 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX : # XXXX, XXXX via XXXX : # XXXX, XXXX  via XXXX & 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/2023 I received a letter from Resurgent Capital Services. They're attempting to collect a debt that is not owed. Also, they indicated I had until XX/XX/2023 to contact them. I received the written notice with 27 days to respond instead of 30 days as this violates 15 U.S.C. 1692g ( Validation of Debts ). Second, my father received an email from them on XX/XX/2023 showcasing a debt that is incorrectly owed. Under 15 U.S.C 1692c ( b ) ( Communication with third parties ) my rights under FDCPA have been violated. The email indicated a debt that was incorrectly owed, the amount of the debt that was incorrectly owed, and as discussed before this email was sent to my father. As in reference to 805 ( c ) of the Fair Debt Collection Practices Act, my rights have been violated as I am not a minor, and I never gave Resurgent Capital Services permission to speak to me or a family member on a debt that is incorrectly owed. As of XX/XX/2023 I am putting Resurgent Capital Services on notice to cease and desist communications with me as supported by 15 U.S. Code 1692c. I will provide documentation of the email Resurgent Capital Services below, and where my father attempted to respond & no answer was given by Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The name on the account does not match my information

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 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Going over my credit in preparation to buy a house I noticed Hyundai Motor Finance has not reported any credit activity on my credit report since XXXX of 2022. I read that it's law that credit needs to be reported timely and accurately within 45 days max. Its been almost 6 months and they have not updated my credit report to reflect accurate payments made or my gross balance that is left on the card. They need to update my credit report 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
Consumer complaint received 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX account to Wells Fargo at the instructions of the scammers.

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 2023-03-09 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:
I have notified Equifax continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from Equifax & creditors stating the information on my report is accurate when it is not. 

The fraudulent items are : XXXX  {$450.00} XXXX {$690.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX with things that are fraudulent - Equifax Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit - XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to Equifax on XX/XX/XXXX, via postal service PS FORM XXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the Equifax Fraud Specialist suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the Equifax Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the XXXX store

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, My fiance is XXXX XXXX. We had a direct deposit tax return from the U.S. Treasurer in the amount of {$6300.00} into our Cashapp account # XXXX. We have verified we are the account holders. I am the primary. Cashapp will not grant access to our funds nor transfer our money to a new account that they directed us to create. They stole our whole tax return and will not give us our money. The cashtag on our account is $ XXXX The email linked to the account is XXXX The phone # that was linked to that account was XXXX The zipcode on that account is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On the evening of XX/XX/23 I filled out a prequalify for auto financing with XXXX XXXX XXXX. The site specifically states NO IMPACT TO YOUR CREDIT SCORE meaning they do a soft inquiry. Next thing I know the morning of XX/XX/23 I get an alert that a dealership who I have never heard of or spoken to called XXXX XXXX pulled my credit and I got a hard inquiry which dropped my score. I gave NO authorization for this and told them to remove it but I am doubting they will do that so I am escalating it and if they still dont remove it I will be filing suit for their deceptive and fraudulent practices.. I did not agree to have my credit pulled let alone by a dealer I have never even heard of or spoken to.

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 2023-03-09 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-03-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have contacted JPMCB Auto about reporting my XXXX Chase Auto Acct # XXXX XXXX late. This derrogatory information on my personal consumer report is damaging my credit rating and credit profile with XXXX, XXXX, XXXX and XXXX. 

This is a violation of consumer law 15 USC 16802B. I have never given my permission to JPMCB Auto to report my personal information to a third party ie XXXX, XXXX, XXXX and XXXX. Furthermore I was never given a opportunity to OPT-OUT of this process of reporting my personal transaction history to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have been unable to monitor my bank accounts properly for about a month due to hospitalization after car accident. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled 40 transactions with a total of {$510.00}, another of 10 transactions of {$120.00}, and a final one of 10 transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a XXXX  individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB. They then tried again to call me at almosXXXX XXXX XXXX at night one evening. Their feedback back was not helpful, and they know that no police station will take me seriously if I walk in. Wells Fargo is losing a customer for sure because I will never trust them with my money again. I have cancelled my account and have tried to call WellsFargo multiple times regarding their feedback that they required additional information. I was hung up on twice before actually speaking to a representative who told me they did not know what additional information that was needed so they needed to reopen a complaint just to then receive an email saying it was closed because I did not provide the additional information!! How about someone actually call me on the phone and ask for the information. Or when I call back not hang up on me

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 2023-03-09 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I was sent {$1100.00} by my sister through Cash App. When I went to retrieve it all but {$10.00} was gone. I immediately called Cash App to inform them of what happened on XX/XX/XXXX they assured me they would investigate and informed me of their findings in 7 to 10 days. When I didn't get a response I called back on XX/XX/XXXX, I was informed there would be a further investigation into the matter in 7 to 10 days. When I didn't get a response for a third time, I called back on XX/XX/XXXX and I was informed their investigation was complete. Now, I am without money or an acceptable explanation. I never made any of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
I never opened an account with this company and they are reporting on my credit report as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My checking account had a check cashed in the amount of {$4000.00}. It was not a check that was presented by us. It is a FRAUDULENT transaction. I have spoken to the bank and have not received my money back I am told that they are waiting on XXXX XXXX my bank is Huntington Bank This happened on XX/XX/2022. I have processed all documents necessary and filed a police report. I asked them why am I waiting for XXXX XXXX. My money was taken from Huntington. The account was closed by Huntinton because I transferred every dime into another savings account. I can't use an account that has been compromised. I just need my Money back XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
I was looking over my credit report and saw I had some inquiries that wasnt mine. I didnt give these company permission to run my credit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX on XXXX XXXXXXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI also have a fraud account on my credit report essential lending I account number XXXX this is not my account please delete 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 non-monetary relief