vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I took my daughter out of this XXXX and they continued to charge me. In addition to them checking her in on days she did not attend and I emailed director about it but no one ever responded then the center closed due to staffing issues. I cant talk to anyone there because the center is now closed and they changed staff in our short time being there. I do not owe anything and I want all credit bureaus updated. 

I let XXXX know in person first about my daughter not coming back then emailed them later on. You will see in the attaches that I messaged them about them checking her in on days she didnt attend and they never responded and now they reported {$350.00} owed and I dont owe anything.

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 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a call from XXXX from Bank of America and Merrill Lynch at XXXX about me wanting my bank funds and she had a problem with me accessing them to use as I like. So she placed a hold on {$16000.00} on XXXX XXXX and said that I should look for another bank to use. I have been dealing with Bank of America for many years and for this person to decide what she can do with my money is wrong. She claims shes the vice president of the bank and she can do as she pleases. This has caused my wife and family unnecessary stress and XXXX  and hardship as I have to keep finding ways to pay my bills without being able to access my funds that are all ready in my account. XXXX XXXX XXXX payment is coming due very shortly, can you please help me with this. Thank you. Sincerely 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 monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX - this account was pai d in full back in XXXX or XX/XX/2023 - Transunion is still not reflecting all three bureaus need to show I NO LONGER OWE ON THIS LOAN BECAUSE I TRADED MY CAR IN WITH XXXX - I PAID THE CAR IN FULL IT NEEDS TO BE REFLECTED WITH TRANSUNION XXXX XXXX AND 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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting 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:
XXXX XXXX {$350.00} is fraud please remove in collections on my transition report

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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXXXXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We deposited XXXX check on XXXX separate days. The initial payroll deposit made on XX/XX/XXXX was supposed to have a partial released on XX/XX/XXXX and that the full amount will clear on XX/XX/XXXX. That didnt happen. The second day, we deposited a check from XXXX XXXX and that was supposed to be released on XX/XX/XXXX. That didnt happen. We talked to several reps over the phone and went into the branch and we were told different things : 1. The account hard been flagged for fraud 2. The issuers of the checks ( 2 separate companies ) have a history of retuned checks. 

I called both banks and they informed us that both checks cleared. So I called Wells Fargo informing them of this and they stuck with the story that both companies are unaware ofthat the banks have a history of returned checks. 

As of today, we have {$17.00} available in our bank. This has left us crippled. We are not sure of how were going to make it to work this week or pay our bills that are due. Wells Fargo refuses to release a dime until XX/XX/XXXX. Which is an unreasonable time to hold anyones funds

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 2023-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Made timely payments. But PHH held onto payments each month after giving me a conformation number saying it was paid on the phone. Each month I pay by phone and the prompts never said anything about missed payments. Now I have negative reporting and must wait 2 yrs to refinance. When the problem was first discovered in XXXX, I went to my bank and wired the entire amount do as told to us by the manager handling my case. {$15000.00} XX/XX/XXXX. Everything owed. {$3700.00} XX/XX/XXXX, {$3700.00}. XX/XX/XXXX. 

Now I have a statement saying I owe {$10000.00} for XX/XX/XXXX. How? The {$15000.00} paid was supposed to have included XXXX 's payment. My XXXX and outer was me paying early, I thought. 

Also, when I pay by phone, it never let 's me in and I ha e to get assistance to be put in the system. The phone system never tells of any back pays owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My problem is with two companies - Shellpoint Mortgage and XXXX- I have been working on this problem since XX/XX/XXXX when I put the condo on the market. Apparently, we had XXXX submissive liens on the condo - one from XXXX for about $ XXXX and one from XXXX bank for {$0.00}. I had two buyers- one in XXXX of XXXX and one in XX/XX/XXXX. 

I was in constant contact with both Shellpoint Mortgage and with XXXX to get this resolved. I would walk away with no money - but could put this in the past. 

I have about 3 inches of correspondence - emails, letters etc going back and forth. XXXX would not work with Shellpoint. 

In XX/XX/XXXX, while still working with Shellpoint, I was informed that Shellpoint had foreclosed on the property in XXXX of XXXX - and sold the property with all liens cleaned up... 

Until I was notified again by both that I owed $ XXXX to Shellpoint and $ XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : 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 explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting 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 did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX Balance : {$35000.00} & XXXX XXXX XXXX Balance : {$37000.00}

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 2023-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
In early XXXX, I received a summons from the company XXXX XXXX XXXX ( on behalf of Discover Bank ) for an amount owed of over {$12000.00} for a credit card opened in XXXX of XXXX. I called Discover to dispute the matter and was told that since they have a third party handling my account, I would have to go through them ( XXXX & XXXX ). I have since filed a dispute of the charges and filed a victim fraud claim with XXXX & XXXX, and as of this time awaiting to hear their investigation result. I have also filed a dispute of credit card report to XXXX and on XX/XX/XXXX received a letter stating a complete investigation which verified the accuracy of the XXXX XXXX, upon which I called XXXX and was advised to file further disputes through FTC. 

I contend that I am a victim of fraud and I did not open this credit card account with Discover. I was unaware of any activity associated with the Discover card in question and I was not sent any credit statements or late payment warnings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
cash app is allowing XXXX  under XXXX to sponsor my XXXX XXXX XXXX daughter and allowed her to have an account that I didn't approve of under her XXXX XXXX XXXX friends account and control and they would remove the account or give me any info to do so. From my understanding it is illegal for a XXXX  to engage in a contract without parental permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
charges appeared on my credit card that I did not make. I called the credit card company and they issued credit. then the credit card company denied credit and re-charged me. 

the credit card company is stating I made these charges myself face to face with the retailer. This is not true. I did not make any charges with this said retailer. At this point I do not know even the name of the retailer. 

credit card company cancelled my account and re-issued me a new credit card with a new account number. 

on the new credit card charges from the same retailer are appearing on my account that i did not make. the credit card company is again saying I made the charges face to face ( in person ) I did not and have not made these charges. Still do not know the name of the company or location or contact information for this company. I have no receipt as I did not make the purchase. 

My credit card is with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: MD

Complaint narrative:
Remove all inquiries from my credit report - I DID NOT AUTHORIZE TO share with multiple companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: GA

Complaint narrative:
This company is damaging my credit in an abusive way, I have called those people to tell them to show me that it is mine and they have no way to prove it, I have never used their services or anything like that, I ask for help to remove this from my credit report please, this is a cause of fraud and identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : 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 2023-11-25 00:00:00
Product: Credit reporting 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/23 Received email ( attached ) from Chase of suspected fraudulent charges. 
XX/XX/23 Received emails ( attached ) from XXXX XXXX with fraudulent order information. 
XX/XX/23 Called Chase to confirm the transaction was fraudulent and unauthorized. Chase issued temporary refund, cancelled card and sent out new card. 
XX/XX/23 Letter issued ( attached ) that they were investigating fraud. 
XX/XX/23 Letter issued ( attached ) that I am responsible for fraud charge. 
XX/XX/23 Called to discuss their investigation. Someone was supposed to contact me within 4 business days. Never received a call. 
XX/XX/23 Contacted Chase again to discuss their investigation. They let me know they would send documents identifying how they determined it was not fraud. 
XX/XX/23 Filed police report ( attached ) with XXXX XXXX Police Department. 
XX/XX/23 XXXX was issued showing how they determined I was responsible for fraud. 
XX/XX/23 Emailed Chase copy of police report. 


The letter Chase provided only shows email from XXXX XXXX with order information. There " proof '' that I purchased this item was that the name, phone number, email address and billing address matches what is on file. I stated this is all public information and is not proof I made purchase. Best Buy/Chase failed to cancel transaction, failed to ask for CVV, failed to check government issued ID at time of order pickup and failed to check for card using to make purchase at time of order pickup.

Company response to consumer: Closed with monetary relief