vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
all three bureaus XXXX, XXXX and Equifax are reporting inaccurate information on credit report account open on XX/XX/XXXX by XXXX while XXXX and Equifax reporting date open as XX/XX/XXXX all three bureaus report a balance of {$550.00}. Reporting incorrect date last reported as XX/XX/XXXX by XXXX while XXXX reports XX/XX/XXXX and Equifax report XX/XX/XXXX. 
Date last active reporting as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX while Equifax reports XX/XX/XXXX. I have tried disputing account with credit bureaus asking to delete this account as it is stated incorrectly. Stating the date of last payment as XX/XX/XXXX while payment history is reporting OK as agreed all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax while XXXX is reporting consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Date reported on payment history makes no sense with the data reported on date of last payment. This here is a huge mistake that is hurting my credit score and holding me back from obtaining credit. there is no possible way that XXXX XXXX can report perfect payment history while the other bureau is reporting the whole opposite. XXXX XXXX makes a comment of investigation meeting all FCRA requirements I strongly disagree with the results to this investigation as you can see on my copy of credit report account this account is a total mistake itself. 
how is it possible that this account is meeting our requirements when you can clearly see that Equifax is reporting payments up to XXXX and date reported on date of last payment stops XX/XX/XXXX total mistake here. Theres no way that all three bureaus can be right if information is coming from the same furniture data. This account is only updating the date last reported re aging and pushing back the date it should fall off. It is not acceptable delete immediately account as a total mistake itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I did not open ANY of the following accounts. They are fraudulent. 

XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX. 
Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
I received a text alert about a change in my credit file from Experian XXXX. I immediately went to my credit report and discovered a credit line for {$1700.00} with XXXX - opened on XX/XX/22. I have not applied for credit with this company and do not know who they are. I searched for a number to call and found the number and called continuously to speak with someone about this. I get the following message : Welcome XXXX XXXX. Your call will be answered by the next available representative. It then makes one beep and repeats welcome to XXXX XXXX  we are not available to take your call, please left a message and we will return your call during our normal business hours. I first time I left a number and a message. Never received a call back. I called continuously yesterday and today. Will the same message. No one answers the phone. I am very concerned because someone open credit for {$1700.00} in my name that will not be paid because I do not know this company and did not apply for credit with them. In searching the web, I also discovered that they have a mobile app and are located in XXXX. I am in 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 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My complaint is against Chase Bank. On XX/XX/XXXX, my mother past away. About two weeks later I went to Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ and ask them if I could close my mother 's checking account. I was told that no one in the bank knew what to do, could I come back the next day. I did that for 3 days in a row and they could not tell me what to do. They then told me to call XXXX guess who. They told me to go the the branch office and they would take care of it. I had given up on them. Then on XX/XX/XXXX I received two checks from XXXX. One for {$3200.00} the other for {$180.00}. The problem is they are made out to XXXX XXXX XXXX XXXX  XXXX. There is no estate. So I went back to XXXX and I was told to take the checks to my bank and negotiate them with them. My bank just laughed. I think of how many people Chase Bank does this to and steals the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
There are 3 Accounts from the company Affirm that were turned over to collections. Two of the accounts were open the same day XX/XX/2021. The other was open XX/XX/2021. I recently applied a few times for a loan through my bank and got rejected for having 1 or more accounts in collections. I knew nothing about the accounts they were referring to, so a coworker told me to make an XXXX  account because i should be able to see it. That was when i saw the 3 accounts that are in collections. I called and reported it as Fraud to XXXX. I then called Affirm and did the same and reported it as fraudelent activity. I was told by affirm that the balances were used for a compaby called XXXX which I have never heard it was travel related with XXXX XXXX. I am a XXXX  of the united states XXXX XXXX. I never fly anywhere since i only lived 4 hours away from my hometown to see my family so i always drove. I havent had a vacation in over 2 years so no trips anywhere there either. The only reason i would fly would be be for a XXXX  or XXXX which would be goverment funded with our travel cards. The reason I am reaching out is because I believe this would help me with my fraudelent report and others. I have always made my payments on time if anyone were to look at my credit history and have never had an issue with anything going to collections. Im hoping this will help ke in my process so i can get my credit back on track since this is hanging over me and isnt something i would have let get this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ballybunion Enterprises, Inc
State: TN

Complaint narrative:
XXXX and XXXX placed a collection account on my report in XXXX stating that I owed Military Credit Service over {$3000.00} well I contacted XXXX  and talked to a lady by the name of XXXX XXXX at XXXX and she said that I didnt have not ever had an account with Military Credit Services and gave me the number to XXXX XXXX XXXX who owns supposedly XXXX XXXX XXXX at the following numbers and to let him know the account is inaccurate and that he can contact her. These are the numbers given XXXX and XXXX. XXXX XXXX said to talk to him because he would be able to remove it off of my credit since it is not accurate. She also stated that he could call her and the only account I had was XXXX XXXX who is a sister company, but that account is over 2 decades and has been sold numerous times, they also went out of business years ago and I included them in my XXXX XXXX  back in 2001 in Texas which she saw. I contacted XXXXXXXX XXXX XXXXXXXX and talked to a XXXX @ XXXX and she said XXXX XXXX was on vacation and she placed a dispute with the company so that he can get back with me but no one has. They have placed said account on my credit without validation of debt. I have never had an account with XXXX and XXXX XXXX verified it. If they ( XXXX XXXX XXXX ) try to say they sent me a certified letter which seems to be a pattern with them in all the claims I have read against them on the XXXX  they consistently state they sent out letter but I have NEVER received one. I can verify it due to I have informed delivery with the USPS and it shows all the mail I ever received for this year with screen shots of all mail as a preview to show what is coming. I am requesting that XXXX XXXX  XXXX removed Military Credit Services because they are posting fake information in other words fraud. This is all my proof of what XXXX XXXX  XXXX has placed on my report as fraud, fake and wrong information. This unaccredited company has violated my rights as a consumer and I request the account be removed from my XXXX credit report due to failing to adhere to the FCRA guidelines. I have enclosed screen shots of how corrupt XXXX XXXX  XXXX is and the tactics they use repeatedly on others and are doing the same with me. They never validate their collection accounts and leave the consumer in despair. They need to be dealt with in accordance by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, had violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

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

15 USC 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.

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 2022-10-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
Quick credit has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid. 

I have been told 3 times now or if not more that a packet will be in the mail for me to fill out forms and send my police report back in a prepaid envelope. Nothing has come in the mail at the old address this check was sent to in the first place and no packet has been mailed to my current and correct address given to them by phone and in person at the local location. 

I have filed a police report and have attached it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TN

Complaint narrative:
In accordance with 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 : XXXX XXXX. Account number : XXXX XXXX XXXX XXXX  Account number : XXXX // XXXX XXXX  Account XXXX XXXX Billing Account number : XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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. 




In accordance with Fair Credit Reporting Act, Original creditor : 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. XXXX XXXX XXXX. Account number : XXXX Needs to be updated late needs to be removed.

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 2022-10-10 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: TN

Complaint narrative:
In accordance with 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 : XXXX XXXX. Account number : XXXX XXXX XXXX XXXX  Account number : XXXX // XXXX XXXX Account XXXX XXXX Billing Account number : XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years.

15 USC 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. 




In accordance with Fair Credit Reporting Act, Original creditor : 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. XXXX XXXX XXXX. Account number : XXXX Needs to be updated late needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The amount were XXXX usd by XXXX  on Monday XX/XX/2022 Chase bank did not offer anything to help as they state the only I can do is contact the scammer to refund the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: CT

Complaint narrative:
It has come to my attention that on my Trans Union credit report there has been unauthorized inquiries in XX/XX/2022. This was extremely unsettling since during this same month two of my accounts were compromised as well. The following are the events that transpired : 1. I went on vacation on XX/XX/XXXX thru the XXXX, traveled back on the XXXX. 
2. On XX/XX/XXXX, my XXXX account was hacked with several unauthorized transactions, where as I was forced to freeze the account, change passwords and was reissued a new XXXX card. 
3. On XX/XX/XXXX thru the XXXX, my XXXX XXXX XXXX was hacked with several unauthorized transactions, where I once again was forced to freeze the account, change passwords and was reissued a new XXXX  XXXX card. 
4. On XX/XX/XXXX, there were an unauthorized inquiry from XXXX XXXX. 
5. Due to this inquiry, I was forced to lock my Tran Union account immediately so no more inquiries will bombard my credit report. 
6. After XX/XX/XXXX, I noticed the lock on my mailbox was broken, making my mail easily accessible to anyone. Therefore, due to the compromise, I had mailbox lock replaced and reinforced. 
7. On XX/XX/XXXX, there was an unauthorized attempt to open a checking account with a XXXX XXXX. Thankfully, due to the lock on my credit reports the company could not process the application. 

I was advised by XXXX and XXXX XXXX that my cards where most likely compromised while on vacation since all these events that compromised my financial accounts and credit report happened immediately after my vacation. 

It is suspected that the hackers who compromised my accounts are the same who tried to steal my identity to open new accounts in my name and broke my mailbox lock. They were hoping to steal my identity, get new credit cards, take them from my mailbox and use the credit cards while I would be stuck with the charges! 

Obviously, someone is monitoring my financials so now I have to be extremely careful with the security of my accounts going forward.

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 2022-10-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've sent multiple letter to experian to close my account Membership account. They have continued to bill me after I attempted to close the account in XXXX of XXXX. I have called but they never answer the phone. I have mailed letters but they never respond. 

They have locked my credit file but I'm still being charged for costs I didnt authorize. They have acted inappropriately by locking by credit file without my authorization and have not provided any remedy to resolve the matter quickly. 

Experian has acted inappropriately and does not support consumer based questions or issues. It shouldn't be this hard to access my own information and close this account. This is abusive behavior by Experian!!!.

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 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I did not open ANY of the following accounts. They are fraudulent. XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : 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 2022-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have reached out to all credit bureaus and mailed them all the necessary paperwork in addition I have added screenshots to prove the inconsistencies. Please remove these per US law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Regions and their overdraft fees have been beyond ridiculous. They have been doing it for years. There has been several times we have wondered why they have been taking so much. Its out of hand. I did read where regions was getting sued for this. We had one account, then closed it and opened another account with them. So far no fees with the new account, but our other account it was continuous.

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