vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/XXXX I lost my debit card to my banking account, on XX/XX/XXXX I had created a dispute for XXXX and was told that only when the transaction is posted to the account may I create a dispute. In XX/XX/XXXX I seen my transaction was posted and was able to create this disputed transaction. On the XXXX business day which was XX/XX/2021 my account was not credited a provisional credit nor have I been contacted by any member of the dispute team. I reached out to live support on XXXX XXXX, and XXXX. Every single time I had been able to make contact with them using there online chat tool I was informed that they have messaged there dispute team members via email and that my credit would be applied by the end of day. Every single chat I requested to speak with a dispute team member directly and was informed that was not possible and would need to wait for an email from them. As of 13 days since my dispute was opened XXXX of which are business days, I have yet to receive a single email from anyone that works for the banking app Current. The toll free number on the back of the card is out of service or not working, and a customer service rep informed me that they are currently not able to take phone calls. This company is a cause for concern and personally is above the laws in there eyes. This is probably the biggest red flag I have ever seen for fraudulent activity from a business. This is the receipt number involved with my dispute, ** XXXX **

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: TX

Complaint narrative:
Upon researching the credit bureaus are saying that it's public information that was brought. Information that I never signed off as a consumer. The bankruptcy that is showing on my credit report shall not be showing on their due XXXX XXXX XXXX k.

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 2021-12-11 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX - XXXX XXXX  on XX/XX/2021 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX - on XX/XX/2021 ( Reported Identity Theft )

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 2021-12-11 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX - XXXX XXXX  on XX/XX/2021 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX - on XX/XX/2021 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
A company, XXXX XXXX, purchased and reported a debt from XXXX years ago as a collection account on XX/XX/2021. I filed XXXX XXXX bankruptcy, which was finalized XX/XX/2021. I contacted the collection company and credit reporting agencies. It was removed on XXXX and XXXX, but not Transunion. I have submitted and been unsuccessful with XXXX disputes. I called Transunion after the 1st dispute was reported as an accurate debt. XXXX XXXX claimed they removed the debt from all three agencies and thats when I opened a 2nd dispute with Transunion on XX/XX/2021. This once again was deemed an accurate reporting on XX/XX/2021. My XXXX XXXX initially dropped XXXX points and I am still unable to pass a credit check to obtain housing over XXXX  months later.

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 2021-12-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied on-line for a XXXX Chase credit card in XX/XX/2021. The Chase website application link for this credit advertised that upon completion of a $ XXXX spend within 90 days of account opening - I would receive XXXX XXXX points + additional points if I continued to spend on the card. ( see attachment of XXXX offer web page ). 
I never received the points so I contacted XXXX Customer Service 5 times and each time received the same response : ( no record of this offer ) They applied a {$300.00} credit on my account and a free night stay. No way near the value of the original offer. 
I then contacted the CEO and XXXX other executives and requested their help in resolving this issue. To date, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: CA

Complaint narrative:
I am disputing to remove ALL inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per 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 non-monetary relief
Consumer complaint received 2021-12-11 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: CA

Complaint narrative:
I am disputing to remove ALL inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: CA

Complaint narrative:
I am disputing to remove ALL inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per 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 2021-12-11 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: CA

Complaint narrative:
I have so many hard inquiries for auto loans/loans/credit cards that I personally never did. Therefore XXXX % of the hard inquiries on my credit report are fraudulent or inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint narrative:
I XXXX XXXX born on the XX/XX/XXXX & XXXX XXXX born on the XX/XX/XXXX residence of XXXX XXXX XXXX XXXX XXXX XXXX have been victims of firstly professional hackers that have hacked into our phones, bank accounts, XXXX, email. We have had over {$22000.00} hacked out of our accounts and our personal identity stolen. These hackers have made personal loans in our names because they had access to all our personal information from our emails and bank accounts. 
We had to freeze all our accounts our credit cards had been hacked and cash advance payments made. 
My wife was in a car accident she applied to her super to fix her XXXX  and when she got the funds the money was hacked out of our account the next day. 
We have made a fraud pack to the police and we ca provide a police report. 
We are frustrated because we have reported this to the credit score bodies we are have the XXXX XXXX XXXX  whom we have been paying since XX/XX/XXXX to clear this issue and have yet to resolve the issues. The hackers started during XXXX with XXXXXXXX hacking into our account money then went big and we had trading companies hacking into our accounts No have we just lost at least {$25000.00} out of our accounts they made coin spot transactions and wise transfer transactions in our name. They open these accounts in our name without our authority but the banks and other companies claim no responsibility. Now we have the XXXX of a horrible credit score that once was perfect. We cant even apply for loans. 
We explained that we have missed payments because our accounts were locked due to banks investigating the fraud. 
All our enquires are falling on deaf ears. My wife  is now opened a successful business but cant take out a loan because of our credit score. 
We have noticed that a XXXX XXXX default is on our name which we never applied for this loan. 
We have allowed months to go by without complaint but now we have had enough. 
We need our credit score fixed ASAP because we want to move on with our lives our business is on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: OH

Complaint narrative:
Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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:
Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX

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 2021-12-11 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: CA

Complaint narrative:
I have so many hard inquiries for auto loans/loans/credit cards that I personally never did. Therefore XXXX % of the hard inquiries on my credit report are fraudulent or 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 2021-12-11 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: CA

Complaint narrative:
I have so many hard inquiries for auto loans/loans/credit cards that I personally never did. Therefore XXXX % of the hard inquiries on my credit report are fraudulent or 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 explanation
Consumer complaint received 2021-12-11 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:
Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-11 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: OH

Complaint narrative:
Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I have a loan with 21st mortgage that began XX/XX/20. I have discovered that I am not on my property. I was put on the wrong property including all my utilities. I have continued to pay the mortgage but there has been zero progress. 21st said they are not involved and cant do anything about it. They are telling me I have to handle this alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello, I have received a letter from Navy Federal Credit Union on several dates, stating that I need to verify my information using the XXXX form. I uploaded the form to their organization several times with no feedback regarding updates at this time. It appears I have credit cards with them that I can not access to make payments on at this time. I would like for your organization to reach out to them to get more details on verifying my XXXX XXXX XXXX  with the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 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: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
on XX/XX/2021 i noticed one of soon to be several unauthorized charge on my account in the amount of {$310.00}. now on this particular day it happened to be my now XXXXXXXX XXXX XXXX birthday! leaving me devastated and moneyless with three other children to feed and no means to feed them i found myself having an anxiety attack! I then proceeded to contact Regions immediately, after being on hold for 30 minutes i then spoke with XXXX XXXX who i confronted about the unauthorized charge. After being told i would not and could not reverse the transaction i demanded my money be returned yet again under 15 usc 1692h 15usc1692d 15 usc 1692e XXXX in return call her supervisor who also tells me the same thing that i can not and will not be returned any money! Regions then again on XX/XX/2021 took XXXX on XX/XX/2021 regions took XXXX and again XXXX XXXX after being told not to keep garnishing my account they did so anyway! I want to know how are they able to use my credit card and take my money when they feel like it please elaborate for me after being violated they continued to mail several alleged debt letters to my familys place of abode on XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 when i called to investigate regions told me they had no knowledge of what had been sent and to whom it was sent to regions went as far as closing my account without my permission just mind blown that they think they have the right to do these things to me me being the consumer thanks ill be waiting a response

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 2021-12-11 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: GA

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit 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 2021-12-11 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jeffersons Capital is reporting inaccurate information. This information is based off previous information that they have reported. I am requesting that they delete and remove said record due to inaccurate reporting. Per credit guidelines a debt collector must report accurate information. Jefferson capital has violated that order. 

On XX/XX/XXXX the collection dropped off. However, as my records indicate Jefferson Capital went back and added debt onto my account as of XX/XX/XXXX. 

That is in accurate as there previous records has never indicated an account as of XX/XX/XXXX and the account had dropped off. 

I am requesting this account be deleted & removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below. 

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on 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