vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-15 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I was contacted in XXXX XXXX XXXX by A XXXX from Bank of America about getting my cash rewards in the amount of {$74.00}. then I received an email saying I had requested a XXXX XXXX XXXX XXXX in the amount of {$5400.00}. I in turn sent this the the abuse email address on the email. I HAD NOT requested any Cash advance. XXXX from Bank of America called me and said there had been a mistake made and that they would take the money from my account that it was sent to and credit it to my credit card account. The money was taken from bank in the form of an ACH in the amount of {$5400.00} but was never applied to my credit card. I have filed XXXX fraud cases with Bank of America both have been denied. I have the copy of the ACH form with the man 's name, address and where he put the last 4 digits of the card number on also. Bank of America says they are not seeing this as fraud. Even though I did not ask for the Cash Advance. They will not look into this. Also ask for the copies of what I had sent them back to which I have received nothing

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 2022-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC
State: MD

Complaint narrative:
SELENE FINANCE LP is a debt collector. On XX/XX/2022, on a Foreclosure Sale, XXXX XXXX, attorney from XXXX XXXX XXXX, XXXX, said that the lender SELENE FINANCE LP bought my property. It's ALL RECORDED ON VIDEO. I'm attaching two AFFIDAVITS OF FACT WITH PERSONAL KNOWLEDGE, TERMS OF SALE and the third accomplice is XXXX XXXX from XXXX XXXXXXXX XXXX, XXXX. 

SELENE FINANCE LP is attempting to STEAL my property. 
They are in violation of 15 U.S. Code 1692e ( 4 ) - False or misleading representations, the representation or implication that nonpayment of any debt will result in the seizure, garnishment, or sale of any property unless such action is lawful and the debt collector or creditor intends to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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:
I sent a letter to on XX/XX/2021 disputing the vaildty of a bankruptcy their reporting on my credit report. The response letter stated verified. They could not send how the verfied and needs to be deleted according to the FCRA which they once refuse again to delete which is exploding to purchase a home and causing me to pay thousands more in interest each year

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 2022-05-15 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: TN

Complaint narrative:
My wallet was stolen and someone used my information to open up accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, a caller ( spoofing a correct government number ) claiming to be an XXXX agent supposedly informing me of an irregularity in my paperwork. They claimed that an arrest warrant was filed. Later, a second caller, also spoofing the local police department number, called and threatened to arrest me unless this irregularity was cleared. The fraudulent XXXX agent guided me under time pressure ( claiming it had to be done in 30 minutes for the police department 's benefit ) to send a payment of {$1900.00} to a particular account, while claiming it would be returned after an investigation was done. The fraudsters used false names and false ID badge numbers. During this process, the fraudsters also insisted that I share my phone screen with them ( again, supposedly for legal purposes ), which in retrospect was clearly an attempt to obtain login information. Luckily, this was avoided because of face ID substituting for actual password entering. 

I sent a payment of {$990.00} under this false premise from my Chase checking account using XXXX to an account under the name of " XXXX XXXX '' ( a further payment was declined due to triggering the bank 's security alert ). Because the fraudsters impersonated an official government agent and attempted to access my account, this is clearly an example of fraud that should be covered by regulation E, meaning the bank should reverse this payment. However, after a call with Chase, they refused any responsibility and offered no recourse.

Quoting the relevant Regulation E FAQ website : " ... ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs. '' Any specific information can be provided on request!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: TN

Complaint narrative:
My wallet was stolen and someone used my information to open up accounts in my name

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 2022-05-15 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: TN

Complaint narrative:
My wallet was stolen and someone used my information to open up accounts in my name

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 2022-05-15 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: SC

Complaint narrative:
Improper inquiries that I didn't authorize 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 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 2022-05-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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.

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 2022-05-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts listed below. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-15 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: FL

Complaint narrative:
For nearly a year I have been disputing with this credit bureau that XXXX XXXX XXXX account number XXXX is reporting inaccurately on my credit report and I have asked them to delete it and they have refused. On my experian credit report it says that the XXXX  XXXX XXXX account is paid in full and the date of that payment was on XX/XX/XXXX. On the credit report it also states that the account was in good standing in XX/XX/XXXX. So, how can it be that the account is paid in full and no balance is owed. The last payment was on XX/XX/XXXX and the account was in good standing in XX/XX/XXXX so how then can Experian be reporting that the account went into delinquency on XX/XX/XXXX. That makes no sense. Experian is reporting that this account has a XXXX balance owed and the account was paid in full on XX/XX/XXXX but yet they are reporting that the account went into a charged off status in XXXX of XXXX which is false and makes no sense. 
On the same credit report under the heading ''Scheduled Payment Amount '' its says that it has no data. Experian is therefore saying that they have no record of my payment and when I made it yet they are reporting that the last payment was made on XX/XX/XXXX. This makes no sense. This credit report is incomplete and inaccurate and under the Fair Credit Reporting Act when ever an account is incomplete and in accurate then such account should be deleted. 
On the same credit report under the heading, '' Actual Amount Paid '' it says that it has no data. So, Experian has no data on any payments made by me on this account but yet they are saying that the last payment on this account was made on XX/XX/XXXX. This makes no sense. 
The XXXX  XXXX XXXX account is incomplete and inaccurate and this account should be deleted from my credit report immediately. I got a dcument from XXXX  XXXX XXXX stating that this credit bureau never contacted them so as to verify this account. My lawyers are using document as a means to file a lawsuit against Experian should they refuse to delete XXXX  XXXX XXXX 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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax, XXXX and XXXX  did not provide proof or verify that these accounts are mine.  I sent in letters 60 days ago asking that Equifax, XXXX and XXXX verify the accounts with my signature on them and they failed to do so. 

Below the uploaded documents also shows that the payment history are not the same faulting in inaccuracies on my credit report for all three of credit bureaus Equifax, XXXX and XXXX. Therefore I ask that the accounts are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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:
I went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-15 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: GA

Complaint narrative:
I went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: Experian Information Solutions Inc.
State: NY

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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 explanation
Consumer complaint received 2022-05-15 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: FL

Complaint narrative:
I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY EQUIFAX CREDIT. 

XXXX INFORMATIVE RESEARCH XXXX  FL, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2022 i filled a dispute for an amount of {$4300.00} since my ex partner stole my belongingsn including wallet, cell phones, debit cards and unauthorized use my debit card. Bank of america within 7 days resolve the claim and closed the claim denying me the claim. Bank of america resolved and close the claim before even the police had done their report and investigation, my ex is currently in jail and i got the case number which states that he is currently on jail that he had used my debit card without authorization. For my bad luck i had to filled a new claim on XX/XX/2022 for the amount of {$2200.00} XXXX made to my sister that was take out of my money balance and never received by my sister. I called bank of america on XX/XX/2022 and spoke with the fraud department and asked for any updates since they had already told me it was goin to take up to 10 days to recieve an update, they told me there was not result yet and that in 24 to 48 hours they souldve have the claim resolved. On todays date XX/XX/2022 i verified the claim status online and it also said dispute denied. i called yesterday saturday XXXX XXXX  and they told me the dispute department was closed saturdays and sundays so how is possible that the claim was resolved denied during the weekends while the dispute department was closed, make it look like the dispute was denied and closed by automatic system and there was none investigation 's done by bank of america i have not received for any claims any investigations paper work and an explanation from bank of america of why my dispute was denied. Federal regulations ''Regulation E '' 12 C.F.R.205.11 ( D ) ( 1 ), requires the bank to provide a written explanation of the findings of their investigation into my disputes. The institution 's report of the results shall include a written explanation of the institution 's findings and shall note the consumer 's right to request the documents that the institution relied on in making its determination.

I have always all accounts and just started a new business and put my trust in bank of america and also open a new business account i would be closing my personal and business account and would never refer any family or friend to use this bank

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 2022-05-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account, 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 instruction.

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 2022-05-15 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: PA

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 confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX 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

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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  notified all three credit bureaus to remove the XXXX XXXX collection from my credit report. XXXX XXXX and XXXX complied however Equifax took no action. I contacted the collection company and was told by their compliance department that they did in fact submit the change to Equifax. In an effort to correct this mistake I called Equifax and they informed me that they never received the instruction from the collection company. I submitted not one but two disputes to clear this off of my credit report and to date no action has been taken. Please have Equifax remove this from my credit report as soon as possible. Without the removal of this item, I may face homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: FL

Complaint narrative:
I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY XXXX CREDIT. 

XXXX INFORMATIVE RESEARCH XXXX  FL, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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