vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have an identity theft issue. So I paid for a subscription for credit monitoring. Never received any information from them. Bought it in XXXX. I live in New Jersey and some how they have been sending them out to my sisters house in Florida. Everyday a new one has arrived since XXXX. Had my sister open one and sent me a picture. So I can try to fix the problem.. but after talking to customer service for XXXX mins. They told me that they are not allowed to give me the XXXX information.. so I told that I already sent them the XXXX  report about my situation..and would have no problem filling out another one with the person whom I was speaking with. And that they would have to be part of the investigation. After that I was provided with the managers information and spoke with him. Not to mention that I already submitted the some information to the XXXX other credit unions. All of my information on there sites are accurate now. The XXXX finally told me that the letters ( XXXX letters ) didnt come from his office. So I contacted the offline credit monitoring. He said that he didnt know what happened. I told him I was aggravated that they would put that much of my personal information out therenot that my sister would use my personal information. That is easy for people to use the information they sent to the address.. to open new accounts with just the basic information provided in the XXXX letters they sent. I am not happy with there services. Even after I sent them the police report and all the documents they requested. I still dont have access to my report.. because they said that I have to send it all again to the credit monitoring service. Its hard enough dealing with the identity theft impersonating myself. Having to pick through all of there accounts and changing my name. Trans union is not professional. You can contact me at XXXX. ( XXXX ) XXXX. Thank you for your time.

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 2022-04-12 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: MS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
On this date XX/XX/2021 XXXX XXXX XXXX opened a collection. 
Account # XXXX {$340.00} that i owe I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that i owe this debt to this alleged company. Please have this removed from all three credit bureus. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/2021 I redeemed points and received two ( 2 ) rewards cards from my credit card rewards program. Upon several attempts at trying to use them at different stores I contacted Elan Card Services and informed them of the issue, to which I was informed that the cards can only be redeemed for XXXX products and services. I explained that in the description it only says physical cash card and does not clearly state that it can only be used for XXXX products. I no longer have a use for XXXX products or accessories. The redemption center engaged in a deceptive and fraudulent practices as it lead me to believe that the card could be redeemed for all merchandise. They sent me a letter saying that all redemptions are final and the I am stuck with {$200.00} in rewards cards which I can not use. Any assistance with this issue would be greatly appreciated and the language should reflect that the cards are for XXXX products only. I was not asking for money or points back just to trade for cards that can be used at any merchant or the equivalent gift cards for other merchants.

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 2022-04-12 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dispute inquiry SyncbXXXX XXXX XXXX 
This is not authorized or signed by me. Please Delete.

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX never sent information to verify debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, I had a credit card from Gap by Synchrony Bank for more than a year. I've made all of my payments on time and that last payment scheduled on XX/XX/2022 for {$1600.00} didn't go through because I didn't realize I had a card on file for auto payments that didn't have enough funds to process it. Automatically 7 days after the transaction, the bank decided to close my account which now is affecting my credit score and history. I think this is very unfair and I would like to be able to fix it.

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 2022-04-12 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: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
I have contacted the credit reporting agency to explain that the dates listed on this collection are invalid, I opened this account in XXXX this means that it is time for this account to be taken off of my credit report. Also the collection agency never sent me any information for me to verify the debt and the dates the debt incurred. I would like to have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
Received a phone call from agent with XXXX XXXX pay. I was asked if my name was XXXX XXXX to which I replied it was but I am divorced and remarried and my name now is XXXX XXXX. I was asked to verify my birth year and was never told as to why I needed to do that only told it was a call from XXXX XXXX pay. I informed the agent I would not verify or deny any personal information over the phone unless I knew what it was regarding. Agent then told me it was in reference to an account that has been sent to collections. I informed agent that to my knowledge I have received no late/ past due/ or collection notices from any creditors/debtors. I also explained that due to a recent divorce there are some accounts that are in my name that I have a divorce decree stating I am not legally liable for. I asked the agent for the name of the creditor or debtor that had sent the account to collections and I would, while I am on the phone with them, look up that account and see if the account is or was past due and take care of any arrears. I was told by the agent that they could not tell me the creditor/debtor name. I explained that I am happy to take care of the bill but I need to know who it is from. I was told that I was refusing to cooperate and the agent hung up on me. I had 3 other phone calls that all ended the same way. Finally, after the 4th person hung on me I decided to call them. I was met with a wonderful breathe of fresh air named XXXX who explained she would have her manager send me an email to the address they have on file so I can see who has placed an account in my name in collections and I can take care of it that way. The demeanor and the words from the previous agents badgering and telling me I was refusing to pay when I repeatedly asked for alternative way to pay was uncalled for. I never once said I wouldn't pay I was merely unwilling to state my DOB or SSN over the phone. There obviously is another way and the fact I took about an hour or more away from work to handle this when it could have been done during the first phone call is unfair, rude and excessive.

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 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
When I purchased a house in XX/XX/XXXX, someone was able to get my SS #, and opened a mobile XXXX XXXX XXXX account. They used a variation on my name, but my correct address for billing at some point in XX/XX/XXXX. The thief purchased a new phone and services, and racked up nearly {$1400.00} in debt. I only found out about it when XXXX XXXX XXXX sent the bill to collections, and then I was contacted in XXXX of this year ( XXXX ). 

After contacting them, I was sent a fraud packet, which I returned as requested, with a police report, forms of identification showing my legal name, copies of bills, and my actual XXXX XXXX XXXX bill ( I've had them for service for over a decade ). My request to decline the fraudulent bill was denied, and I was informed that I still was responsible for the money owed. 

When I challenged this ( XX/XX/XXXX ), I was told they would investigate it again, and XXXX weeks later ( XX/XX/XXXX ), XXXX XXXX XXXX sent me the exact same fraud packet, asking for the exact same information I'd already sent them, which will do nothing but put me through their same system again. At no point has anyone actually spoken to me, or compared the bills showing that I've been a customer in good standing for as long as I have. Nothing 'new ' can possibly come from sending them the same information again, and I have no intention of paying for a bill I did not accrue. 

Attempting to contact their fraud department via phone, leads to a message stating 'high call volume ' and to set up a report online ( which I did as well ), but at no point does it send you to an operator. The call then hangs up with no other recourse. Calling a line for 'assistance in setting up the online report ' does get a live operator, but they are unable to help in advancing any other information to 'powers that be '. 

To reiterate : I have been a customer in good standing for over a decade, and have not missed or been late on any payments in the same time. 
Someone else opened an account with a misspelling of my name. 
Attempted resolution of the debt has been declined for reasons not stated. 
Challenging this decision puts me back through the exact same process that has been denied already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Please see below a case # 1 involved a wire transfer to a fraudulent account ( I will submit case # 2 as a separate case ) : Back in XXXX of 2021 I hired a contractor to work on my basement. Most of the time, we communicated through email. He sent me the contract and invoices via email.as well as his bank information for wire transfers. Now he claims he never received any payments from me, and he never sent any bank information by email. Apparently, someone hacked into the contractors email account and was sending the bank information for the payments while monitoring the contractors email account. The hacker then deleted all the emails he sent. I made a wire transfer of {$11000.00} on XX/XX/2021, to the XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX Now the contractor claims he never received any money from me, so it seems like the payments went to a fraudulent account in XXXX Now, I want to get my money back from the XXXX XXXX XXXX XXXX XXXX provided that the bank did not properly verify the recipient ( who was able to open the fraudulent account ) and then accepted a wire transfer of more than {$10000.00}? I filed a fraud report with our local Police in XXXX NJ, case number XXXX, Chase Bank, Office of the Attorney General in XXXX XXXX, I also called the XXXX XXXX XXXX XXXX XXXX directly, and the branch manager, after talking to the compliance department, advised that Chase Bank will contact the XXXX XXXX directly. Can you please help me in getting my money back from the institution that opened a fraudulent account and accepted a very large payment to the fraudulent account? This can not happen that any hacker can open a fraudulent account so easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX Bank ( XXXX ) XXXX out of XXXX, KS called my phone however I didn't answer. I don't have any financial products with them so there is no reason for the call unless they are trying to sell me something. I checked my credit report this morning ( XX/XX/2022 ) and XXXX Bank ran my credit. I know I have a freeze on my credit due to previous possible fraud, so they have to verify it was me. I called XXXX Bank this morning and they said they never ran my credit. So how did it get on my report? 

Also, Ally Financial ( XXXX ) XXXX out of XXXX Tx called me the same day and I talk to one of their representatives a specifically told the I am not interested in any loan products. I looked at my XXXX credit report and they also ran my credit. When I called them I was told they run your credit first and then call you for permission to run. What? So again what's the purpose of a credit freeze if they are allowed to run your credit without verifying it's you? 

How many other companies are doing this?

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX  Attorney General and FTC

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 2022-04-12 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: CA

Complaint narrative:
I contacted Equifax with regards to the collection account XXXX XXXX XXXX I requested Equifax provide me with the documentation ( Signed XXXX form ) that was sent to them ( Equifax ) in order to verify the accuracy of this medical collection. Equifax responded with a generic letter stating this account was verified as accurate. I advised Equifax that I did NOT sign a XXXX Release Form so I am sure they did not verify this medical collection. Without verifying this collection they are reporting in accurate information. If they believe they did verify this collection as accurate then please send a copy of the signed XXXX release. 
As of today I have not received a copy of the signed XXXX release but Equifax still continues to report this collection on my account.

Company response to consumer: Closed with explanation