vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify or red flag fraudulent activity. I'm currently a victim of both Identity and Business Theft & would appreciated the funds returned and criminals prosecuted. XXXX XXXX XXXX XXXX there are a number of withdrawal ( XXXX ) without confirmation numbers plus ATM withdrawals that were stolen tied to XXXX XXXX disbursements where my emails were also compromised - 100 % verified unusual activity & suspicious red flags. My XXXX XXXX disbursements and XXXX should not be withheld considering I'm a single mother with XXXX dependents facing such negligence by criminal ( XXXX ). My Bank of America Operating Expense is where the Business Theft is present with unauthorized XXXX  ACH to BOA Accounts plus XXXX and XXXX Account compromised, unusual logins, online banking shut off, some fraudulent XXXX XXXX  Address affiliated to my XXXX XXXX XXXX XXXX XXXXXXXX, many disputed charges that were fraudulent, plus most of the bill pay, counter credits, or transfers have " NO '' confirmations numbers tied to the theft. > {$20000.00} GONE! In the midst of my funds being stolen my car was targeted as well. Twice while parked and off I faced vandalism and accident to verify fraud on my XXXX XXXX XXXX. I also faced mail fraud where they stole a XXXX XXXX XXXX XXXX XXXX XXXXXXXX with blades put into my tires. Now I'm facing ongoing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Apps that are 100 % UNAUTHORIZED when I'm an Author that owns a Copyright and Trademark. I've 100 % been targeted by Organized Fraud Criminal ( XXXX ) and the XXXX Government or recommended " Complaints '' have done absolutely " nothing '' to help my family or I especially considering my support and taxes continue to be undeservingly withheld or stolen, when I need them to protect my dependents and fix my credit that is 100 % damaged from the endangering Identity and Business Theft, not me! The banks need to stop concealing the fraudulent activity and give explanation & documentation of the fraud accuracy! As soon as I closed XXXX Real Estate Commissions- they stole thousands from my hard earned pay. The State , County, and Government continue to cause my family and I concealment inflicting additional endangerment instead of actually going after the negligence including ; fraudulent criminals, vandalism criminals, date XXXX criminals, banking concealment, auto insurance policy negligent discrepancies, mail fraud, trash fraud, app fraud, media fraud, harassment, endangering criminals. The fraud is also tied to FL unusual transactions where they recently compromised my step dads social security number as well.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and rights as a consumer.

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 2025-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: OH

Complaint narrative:
Had my 2nd mortgage loan with Selene Finance. It was apparently sold to XXXX without my knowing. My automatic payments of {$1200.00} were taken out on XX/XX/year> and XX/XX/year> by Selene. Got a letter in the mail from Selene on XXXX, XX/XX/year> that my auto payments were stopped, but didn't say why. I logged onto Selene site, and my account was deactivated. Sent an email with no response. Tried calling, but because my account couldn't be found, I couldn't talk to a rep. Later that day on the XXXX, I got an email from XXXX that the loan was moved to them and to sign up for auto payments. I signed up for auto payments and set it for the first payment to be taken out on XX/XX/year>. On XXXX, XX/XX/XXXX, I get a statement from my bank that a payment of {$1200.00} was being process to be taken out of my account on XX/XX/year> from XXXX. On XXXX, XX/XX/year>, I called XXXX who said that Selene had sent XXXX my XX/XX/XXXX payment, but not my XX/XX/XXXX payment, so they went ahead and took {$1200.00} from my account without my permission and said that Selene should reimbursement me for my XXXX payment to them. I can't get a hold of anyone at Selene since my account number doesn't work anymore. I would also like to file a complaint agains XXXX for not notifying me that they were taking payment out early even though they weren't supposed to take it out until XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
XX/XX/year> : 2 Payments were taken from my bank account to pay the loan. 1 in the amount of {$330.00} and the other in the amount of {$750.00}. The {$750.00} was to pay off the remainder of the loan and the {$330.00} still auto withdrew despite me paying the other amount leading me to believe I over payed XX/XX/year> : I called to get balance and payment history to verify overpayment. They refused to send me any documentation, provide an employee number or email address. They stated they didn't have access to balance history and only payment history.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I had submit a dispute charges call with Bremer Bank on a charge in the amount of {$50.00} for fraudulent comany/merchant " XXXX XXXXXXXX XXXX XXXX ( exactly how it is spells on the transaction description, it is spelled wrong ). I told them I had been scrolling on XXXX and came across what I thought to be a XXXX XXXX XXXX sale post ( used all of their legimate photos and the website looked legimate as well ). I had selected XXXX overalls and a bucket hat as well for the purchase of {$50.00} ( free shipping ) and waited for the email to come through of the purchase completing/shipping. It was never received but the charge went through so I waited. Never receiving the email of the clothing I looked up XXXX XXXX XXXX scam finding that multiple people were tricked into thinking they were purchasing from their legimate site. I opened the dispute and received " further information needed '' paperwork which I mailed back to them. Then receiving a closed case letter that declined to reimburse me as they do not reimburse scams I called. They also told me I would need to " work this out with the merchant ''. The advocate also told me I could not receive any formal documents or notes of their investigation as there was no formal complete investigation done. My letter to them defined that I had indeed reached out to the merchant/vendor and the phone number was also a " front '' not leading to any customer service. The bremer dispute banker did not care and stated I would not be reimbursed again. I asked for a supervisor and have not heard back from the gentleman supervisor I was to get a call from. Attached are both the form I submitted and their response. Please contact me if you need anything else : XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There was a hard inquiry on my credit report on XX/XX/XXXX and I did not authorize this. I called the company Capitol One as soon as I saw this. A month later I thought all was good as I was told it would be closed. Then I found out, They did not close it. I called on XX/XX/XXXX to report once again it was on my credit report. I spoke to an agent who said he would be taking care of it but he did nothing as well. I called back and spoke to another agent a women, and she confirmed to me the account was closed due to information that did not match. I provided this company my ID, Social, Name and DOB plus everything else but they have not removed this. They also would not provide me the address to link this crime for my FTC report. Additionally they would not provide me with the phone that was used to submit the application. I did my own independent research and was able to locate the name phone and address as well as social media of the person who stole my identity and forwarded it to the FBI on XX/XX/XXXX @ aprox XXXX XXXX est

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
How can you verify child support when your when your own case law says it's not supposed to be on there? That means you guys didn't do an investigation. It's a breach 15 U.S.C 1681i .I have been getting denied credit because of child support please remove Law 15 U.S.C 1681n Experian 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 2025-02-13 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: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
XX/XX/scrub>/25 received a call from XXXX and the number was XXXX the individual who called giving my information of my address and name of the bank. I called the bank told them about the scam someone was trying to use my banking information in XXXX XXXX. The amount trying to cashed check through the bank account was {$600.00} this is a scam. I never authorized my account to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. " XXXX XXXX '' was opened on XX/XX/XXXX and has a {$11000.00} balance on it as of XX/XX/XXXX. " XXXX XXXX XXXX  '' was opened on XX/XX/XXXX and has a balance of {$450.00} as of XX/XX/XXXX. " XXXX XXXX '' was opened on XX/XX/XXXX with a balance of {$13000.00} as of 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. " XXXX XXXX '' was opened on XX/XX/XXXX and has a {$11000.00} balance on it as of XX/XX/XXXX. " XXXX XXXX XXXX  '' was opened on XX/XX/XXXX and has a balance of {$450.00} as of XX/XX/XXXX. " XXXX XXXX '' was opened on XX/XX/XXXX with a balance of {$13000.00} as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history withXX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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