vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
Someone open accounts using my identity as listed below se '' Account name ICS Systems COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Recent balance {$690.00} for XXXX as of XX/XX/XXXX. Service Date account opened XX/XX/XXXX. XXXX status in XX/XX/XXXX. In addition this same collection, placed another claim on my credit for XXXX XXXX in the amount of {$470.00} during the same time frame, which I was stationed in XXXX. This has been occurring since XXXX, every 3-4 months since I returned stateside as military member. These utilities are obtained at the address I never resided in the XXXX XXXX XXXX, Mo. I contacted ICS and informed them of the identity theft and the recurring of these services in my name at the same address. Also these accounts were transferred to them previously for collection. I spoke to XXXX and informed them that identity theft had occurred again for the same address using my PII, and addition name, XXXX XXXX. I requested XXXX to remove this name and address in question, XXXX Nebraska from my credit, due to the fact this is not my name nor my address. XXXX and XXXX, XXXX XXXX XXXX XXXX, TX XXXX acted very swiftly removed this erroneous information but XXXX failed to comply with my request. Unable to upload the police report after the fact when initiated the dispute and they could not assist. Will send XXXX a hard copy

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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems The company has failed to notify me of my debt. 
I was XXXX  due to a major XXXX and was evicted from my home. I did not receive written notice of this debt. It is my understanding that according to the FRCA failure to notify the debt is illegal. Participating in illegal collection practices is illegal. 

National Credit Systems has also failed to validate and verify this debt after sending multiple request. 
Date of request are XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
This situation is causing me significant distress, as I have always paid this account on time and have never been late. It is frustrating and ridiculous to see this error on my credit report, and it is affecting my ability to sleep properly. I am earnestly requesting that you update my account as soon as possible to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: V and H Portfolio
State: MI

Complaint narrative:
First of all that whole thing is a joke that paperwork makes no sense nothing adds up scam written all over it the next payment date is XXXX I wasnt even born yet and the date that the account was opened it has 2 different dates one XX/XX/XXXX  and the other is XX/XX/XXXX  and the amount is XXXX or XXXX or is it I cant keep up. Also this store I tried to locate doesnt exist. Its am on line store even my signature was an electronic signature for all those tools I purchased! Ive never purchased tools let alone lease them. I have attached the documents that show that Ive tried to dispute them this. I did it through kredit karma and maybe thats wrong but I did try

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: KY

Complaint narrative:
I am natural person, I am a loving human being, I have the rights under 15 USC 1681. 
EquiFax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : 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 2023-05-08 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: FL

Complaint narrative:
XXXX XXXX XXXX Account info Account number XXXX I have my own XXXX  cc and its paid on time XXXX XXXX XXXX XXXX Account info Account number XXXX {$21000.00} This is not my account My address is not XXXX XXXX XXXX XXXX XXXX fl XXXX I live at XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX for 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
A fraud alert was placed on my credit report in error by XXXX, XXXX, and Experian. 
I requested multiple times with these companies to remove the 7 year fraud alert. 
They placed it due to my dad 's truck being stolen in 2021. However, none of my information was compromised ; I was his XXXX of XXXX and requested a XXXX XXXX late payment to be removed due to what was going on with his situation. My information was never in his truck. 
Instead of doing their jobs and investigating the XXXX XXXX missed payment they decided to place a fraud alert on my reports. 
I filed a complaint with CFPB. 
These 3 companies stated they resolved the issue and closed the complaint. 
Today I tried to get internet, and could not due to the fraud alert they failed to remove, which is their fault because they didn't read the previous complaint in the first place. 
XXXX sent a post card with the fraud alert notice, so everyone who handled my mail would have seen that. So much for privacy! 
They have ignored my numerous requests to remove, and told the CFPB it was removed. It is not, because the guy at XXXX saw it today. 
Yet they marked my dad as dead on his credit report, which is fine, but they failed to finish resolving my issue. 
I demand the fraud alerts be removed, and I want a written explanation from Experian, XXXX, and XXXX as to why they failed to do their jobs and lied to the CFPB saying the fraud alerts were removed. Again, my information was never in the stolen truck owned by my dad in XXXX. Their workers just weren't paying attention and saw a police report and made an assumption. I would fire someone like that. They obviously can't take direction and are insubordinate. If the issue is working from home, make them come into the office and maybe they can afford to pay attention. 
I request this complaint be listed on the CFPB website for the maximum amount of time against Experian, XXXX, and XXXX. There is no excuse for 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 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I applied for a Wells Fargo credit card # XXXX and was denied. My XXXX rating is Excellent at XXXX. I currently have two credit cards with balances. A XXXX credit card with a {$650.00} balance and a {$22000.00} credit limit and a XXXX credit card with a {$1200.00} balance and a {$2000.00} credit limit. I also have another XXXX  credit card with a {$68000.00} credit limit and XXXX balance, a XXXX  XXXX with a {$43000.00} credit limit and XXXX balance, XXXX XXXX with a {$25000.00} credit limit, XXXX balance, a XXXX XXXX XXXX wit a {$5000.00} credit limit, XXXX balance, a XXXXXXXX XXXX XXXX XXXX  with a {$3000.00} credit limit, XXXX balance. I believe my utilization rate is well below 3 %. I pay off my balances when they are due and I have never missed a payment in my life.

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 2023-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have repeatedly contacted Chase Bank regarding an ongoing issue where they automatically deduct {$300.00} from my checking account and transfer it to my investment account, despite my explicit request to stop this auto-debit arrangement. I have spoken to over 18 employees across multiple calls, yet none of them have been able to rectify the issue. The auto-debits occur every two weeks, causing my account to be overdrawn on several occasions. I have not authorized any recurring payments, and there is no reason for Chase to continue withdrawing funds without my consent. Despite my numerous attempts to have this issue resolved, Chase has refused to stop the unauthorized transfers. i do not want the accounts closed, i just want the auto debits ended. 

account ending in XXXX is the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Repeated ongoing phone call all day and night. I paid the amount, {$360.00} to XXXX XXXX, however the calls and letters did not stop. As a matter of fact I was harassed for not paying this debt that not only paid once but I paid it TWICE and still they insisted they did not receive payment. This satisfied debt is still being reported improperly and incorrectly on my credit report and negatively impacting my credit score and worthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I received an email from PNC bank on the morning of XX/XX/2023, alerting me that my checking balance was {$0.00}. 

I checked the PNC XXXX  and saw a charge of {$1500.00} or so to Rental in XXXX, posted on XX/XX/XXXX. I had never even heard of XXXX in XXXX until this point. 

I called immediately and was told they would take up to XXXX days to even get provisional funds back in my account. I asked them to expedite that, but was told that since I had a balance in a separate XXXX  account, I didnt qualify for emergency expedition. I asked what if I had plans for that money? They had no response. 

I called again this morning, XX/XX/XXXX. There has been no progress, of course, but I was able to convince them to expedite the fraud investigation. Although they still maintain it could be XXXX days for provisional funds to hit my account, and something like XXXX days for the actual money to be refunded. 

Some background : I have been using my PNC credit card to buy things for our trip to XXXX next week. Most of those transactions have been flagged for security. XXXX glad for that and shot to take the time to confirm the purchase. Its ridiculous that they dont have the same tenacity when it comes to my debit card. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act. You, have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-08 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: CA

Complaint narrative:
On or about XX/XX/2023, while completing tax filing, I went through my CashApp monthly statements, finding 364 fraudulent and unauthorized transactions totaling around {$1700.00}. I submitted transaction disputes via phone, email, and CashApp mobile app. After 8 weeks only {$210.00} has been refunded. The refused to refund around 300 transactions that disputed. They were from a compilation of about 20 different merchants. A handful of the merchants were charging small transactions from $ XXXX {$3.00} hundreds of times in a single day. Others would charge random amounts from $ XXXX {$450.00}. When I looked up these merchants doing the fraudulent charges on my CashApp debit card I found bogus web companies with vague business descriptions ; no shopping cart mechanism to support the fact that the were ever selling a product or service in the amounts I was charged ; or selling anything at all. They were front companies for scam operations. 


The scary part about this is that I saw card transaction attempts from some of the same merchants on my replacement debit card [ even ] before I activated it. I questioned CashApp how anyone would have access to my new XXXX debit card number before it was activated. They did not reply, shut off the replacement card, and sent me a second replacement card in XXXX. 


I've been heavily and aggressively since XXXX. They've been giving me the runaround, sending copy/paste email templates with out-of-context email responses, requests for information they'd already been provided back in XXXX, and lied to me over the phone saying the fraudulent transactions were being investigation ( later to find out via mobile app/email support agent that they'd not been submitted for review ) ; and at XXXX point CashApp went insofar to deny me a refund for these transactions, saying they were authorized, despite the card payments being made with a debit PIN without the card holder present. 


In XXXX I filed complaints with the XXXX XXXX XXXX, Consumer Financial Protection Bureau, and the California Attorney General ( Consumer Fraud Unit ). Also, a friend whose a private investigator gave me email contacts to the executive managers at CashApp 's parent company Block , Inc. and XXXX in XXXX XXXX, California. I'm a resident of California, also. 


CFPB told me to file an additional complaint with your office. No one at CashApp or XXXX have responded. I have a paper trail of email communication and transaction history to support this claim. I fear that other CashApp users are experiencing this same problem. Additionally, I believe that CashApp staff has something to do with this scam. This is too ubiquitous and I did not give out my debit card number to dodgy websites ; or loss my debit card, or have it stolen. 


Your assistance on this extraordinary matter is appreciated. 


Thanks and regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account name : DEPT OF EDUCATIONXXXX XXXX XXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX 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 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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Professional Debt Mediation Called me on my mobile phone in XX/XX/XXXX stating that I owed over {$15000.00} in back rental fees for XXXX XXXX XXXX XXXXXXXX XXXX apartments in XXXX XXXX, GA XXXX 
I spoke with XXXX and explained that during to XXXX Mandate, the apartment complex not only locked me out of the ability to pay online because we were late, In XXXX I reported that a lock on one of the windows needed to be fixed. The AC was not working, We did not have AC for at least 3 weeks during the summer of XXXX. The apartment complex continued to harass about the rent but never addressed to maintenance request. In XXXX of XXXX my power was turned off. It took two weeks for me to have the power turned back on by that time the house was full of fruit flies, the refrigerator was full of them it was unusable. Management said that since i had not paid the rent, they did not have to replace the refrigerator. 
Once we reentered the house after the power was turned back on, house was flooded. the pipes in the wall had busted and mold was setting in. After i reported the flood, For 2 weeks we went 2 times a day to catch the water and vacuum up the water. Finally management agreed to come and look at the property. Because i had changed the locks to have 2 locks instead of one, I gave them a copy of my keys. I returned 2 days later to check on the progress of the water issue and management had changed to locks and stated that i had moved out and turned in my keys. I did not. I only moved my furniture because the water was flooding the kitchen, living/dining area, hallway and 2 of the 4 bedrooms, plus there was the broken window lock. Someone had stolen the dryer that was just purchased before all of this happened. 
As I explained to ( XXXX ). I was illegally evicted, i had furniture messed up and stolen. People continued to break into the residents mailboxes. 

When I spoke with XXXX, the charges was on my credit report from the collection agency. I never received a letter notifying me of this collection agency. 
i agreed and began making payments, {$100.00} a month for 2 or 4 months. I noticed that the payments was never changed on my credit report. Therefore, I stopped making payments. I never applied for any consumer credit, with Professional Debt Mediation. 
They have severely harmed my credit by adding this erroneous account to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: OH

Complaint narrative:
This collection agency has a debt that was never even set to me for a prior place that I lived. They also keep adding an additional dollar each month to the amount owed that they bought from my original creditor and it continually nicks my credit report and drops my credit score every month for an additional dollar that can't be legal for them to translate more money than they actually bought not to mention have never sent me anything in writing nor have they ever called me I'm not paying this debt but I'm afraid that they continue to ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After contacting the bank and letting them know about the problem, the account has continued to remain open and there are additional charges being assessed regardless that they have been asked to close the account and stop any further transactions from posting. The account was charged for items that were not delivered, items not ordered through a closed email account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
This situation is causing me significant distress, as I have always paid this account on time and have never been late. It is frustrating and ridiculous to see this error on my credit report, and it is affecting my ability to sleep properly. I am earnestly requesting that you update my account as soon as possible to rectify this issue.

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