vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
I received a letter from TRS recovery services that I owed two payments to XXXX for items I had purchased at XXXX. My bank, XXXXXXXX XXXX in XXXX WA was purchased by XXXX XXXX XXXX and it was in the transition period that I went to XXXX XXXX Wa to XXXX and purchased several item for a total of {$180.00}. I tried to use a debit card from my bank, XXXXXXXX XXXX and it was blocked. I did not receive any checks from XXXX XXXX XXXX for few days, so I used an XXXX XXXX  to pay for the items. I also received another letter from TRS recovery services in the amount of $ {$27.00}. They are adding a {$30.00} fee for a total of {$320.00}.

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 2022-08-05 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 noticed that a new credit card from XXXX XXXX XXXXXXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the XXXXXXXX XXXX  they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the XXXXXXXX XXXX rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called XXXXXXXX XXXX  and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The XXXX XXXX account that was created under my name had the last XXXX digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed that a new credit card from XXXX XXXX XXXXXXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the XXXXXXXX XXXX  they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the XXXX XXXX rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called XXXXXXXX XXXX and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The XXXX XXXX account that was created under my name had the last XXXX digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$0.00}

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 2022-08-05 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: FL

Complaint narrative:
I have attached an FTC report with inquires I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone tried to open up a Credit Card with Capital One Saks XXXX  Ave. under my name. 

I told Capital One that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to XXXX as an " Open Account '' under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: CA

Complaint narrative:
I HAVE NOT BEEN ABLE TO VIEW MY TRANSUNION CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}

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 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: GA

Complaint narrative:
PAY ATTENTION CFPB first, Phoenix Recovery responded and said they attached documentation that was not included. When I followed up, they sent incomplete information. For a contract to be considered legally binding, you must produce the entire contract. A portion of a contract can not be enforced on its own as the reader has no idea of the contents and terms of the undisclosed portion. Without producing Pages 2-7 of the contract, I have no idea what the terms of the contract are. Without pages 2-7, PRG does not have an enforceable contract and therefore is not entitled to collect on an unenforceable contract, and I demand that they immediately remove this account from the credit bureau reported as you have not established a legal right to collect any debt. Your refusal to comply with my request to remove the account from credit bureau reporting may make you liable for additional willful or negligent FCRA violations under Sec 616 and 617. I also noticed the account number was changed from XXXX to XXXX, which seems to be an attempt to re-age the account. That has to be an FCRA or FDCPA violation and an attempt to manipulate the reported information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The credit reporting agency Equifax began reporting two accounts from XXXX XXXX XXXX in XX/XX/XXXX that were paid off with the new servicing agency XXXX. My XXXX loans had been transferred to XXXX on or about XX/XX/XXXX and then the loans were transferred to XXXX on or around XX/XX/XXXX. 

I then proceeded to pay off three of my loans ending with account # XXXX XXXX, XXXX, and XXXX that were now with XXXX. Starting in XX/XX/XXXX Equifax then began to report that account # s ending in XXXX and XXXX were still open with XXXX XXXXXXXX XXXX. After having disputed the information and report that the accounts were paid off, Eqiufax continues to report that the information is " accurate '' and refuses to remove these duplicate accounts from my credit report. 

I have attached a copy of the latest dispute I made with Eqifux in which they again reported that the accounts are accurate. I have also attached the correspondense from XXXX XXXX XXXX in which they said that they will no longer be servicing my loans. Lastly, I have also provided documentation from XXXX saying that these accounts are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In reference to XXXX ID : XXXX. 

I in fact am not responsible for the charge below : Date : XX/XX/2022 Amount : {$600.00} Description : XXXX XXXX XXXX XXXX XXXX The merchant stated that I submitted payment using IP XXXX per Exhibit A. 

However, I did leave my pouch/wallet which contained both my cell phone device and wallet at a park while exercising earlier that same day on XXXX XXXX. I was able to retrieve my phone approximately 45 minutes later from one of the park workers. This transaction takes place the very same day. My phone and debit card were compromised. 

Per Exhibit C shows my actual IP address which does not match the one provided in the merchants response. 

XXXX XXXX states I have one transaction with recipient XXXX XXXX. When looking at my transactions for XXXX XXXX historically I have a repeated history with a select few XXXX XXXX recipients with transactions {$200.00} or below. This {$600.00} transaction with a recipient I have no clue who this is, is not my normal transactional pattern. Nor am I able to contact the recipient as XXXX XXXX stated in Exhibit A because this recipient is not a peer and I have been unsuccessful with getting any response. XXXX XXXX needs to do their due diligence and hold the recipient XXXX XXXX responsible and stop dispute with myself and my bank. 


Exhibit D shows that I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. 

Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in this matter.

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 monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried contacting Transunion and XXXX in regards to fixing the technical issues in my online accounts and they have failed to fix my issues. 

At the moment I am not able to see my free report, manage alers & freeze my report!!! I have called multiple times and have received responses that are a complete lie! 
Multiple representative have told me that it would be fixed in 24-48 hrs, some have told me that they would have an agent call me to fix my issues but so far NONE OF IT HAS BEEN THE TRUTH. I am unable to manage my freeze, see scores and manage my alerts!! I have zero control of my report which is affecting me and violating my consumer rights! Fix this issue ASAP

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 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I sent in a Tender for Payment using a coupon or whats known as a Negotiable Instrument. This instrument was signed and endorsed according to Uniform Commercial Code 3-603. I stated in the letter attached to the payment that if the tender was rejected, to please send it back and I would supply another form of payment. Instead of acting in good faith, Capital One closed my account and gave a very vague reason as to why. They also did not mail back my tender for payment. since the Tender for payment was not given back to me, to my knowledge is has been accepted, Therefore i would the amount tendered to be credited to my account as well as reopening my account or a new one. 

On XXXX, XXXX 2022 is sent out a Opportunity to Cure Tender for payment letter which they still have not replied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Balance Owed : {$11.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received 4 cashiers checks from XXXX XXXX XXXX XXXX XXXX which is affiliated with XXXXXXXX XXXX XXXX all 4 checks are dated XX/XX/XXXX 3 for the amount of {$10000.00} and one for the amount of {$1500.00}, I went to deposit the checks at Wells Fargo at the the teller window they said there will be a hold placed on my checks because the accounts can not be found, but there is a number on the check with an authorization number that my bank Wells Fargo has to call and verify the check for the check to to be released, I called the bank issuing the cashiers check XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and they told me the the checks cleared on XX/XX/XXXX, Wells Fargo will not call or take action to call the number on the check to verify the check to release the hold on my money, granted this is money I received is from the irs through XXXX XXXX, I need Wells Fargo to take action to call the number on the check to verify the checks to take the holds off my checks and they repeatedly keep telling me this is not how they verify checks but the bank issuing the cashiers check told me Wells Fargo HAS TO CALL THE NUMBER ON THE CHECK to verify the check and release the hold on my money, please I need help badly all Wells Fargo is telling me to do is wait until XX/XX/XXXX thats when the checks should be cleared but they are still stating that the account can not be found when all they have to do is call the number on the front of the check to verify and release my funds. The bank issuing the cashiers check told me my money is there on that account waiting for wells fargo to verify the check with them and my bank is not doing anything but telling me to wait until the XXXX and hopefully the funds will go through when all they have to do is verify the check by calling the number on the front of the check and give them them the authorization number that is printed on the check to have them verify that the funds so they can release them

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 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2022 I received a text asking me if I had tried to send XXXX via XXXX to XXXXXXXX XXXX. I responded No but immediately called Wells Fargo Bank to see what was going on. They told me it was a scam and had me to send a screen shot of the text to their phishing department. Less than 10 minutes from sending the email I received a phone call from the Wells Fargo number and put it on speakerphone. The gentleman told me he was an employee of Wells Fargo and was calling to save my money. He proceeded to tell me to transfer my money in savings to my checking account. He even knew how much I had in my accounts. He gave me an email address of XXXX. He had me go to XXXX on my WF app and had me to start sending my money to this email on XXXX. I told him I didnt feel right about this but he said he would never jeopardize his job with WF and gave me a badge number of XXXX I had a witness, my roommate, XXXX XXXX who was hearing the conversation so she can attest to what was said. I begrudgingly sent my money telling him the whole time I didnt feel good but he just kept reassuring me everything was legitimate. He then told me he would send me an email to change my username and password but didnt receive in 5 minutes and called WF to find out why and she said I had been scammed. She filled out disputes for me and told me how to change my username and password. I am in a XXXX home and have no way to replace my money. This was for me to go to my daughters wedding and if I dont get the money back I will not be able to go to her wedding.

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 2022-08-05 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: OR

Complaint narrative:
On XX/XX/2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: OH

Complaint narrative:
Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Transunion is no help with this severe issue. I have submitted several disputes since it first appeared on reports. They refuse to provide me any proof of this being accurate because its not accurate.

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