vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
What appeared and made me take notice, there were fraudulent charges on my CC account. The [ fraudulent ] charges were in excess of {$12000.00}, the company took care of this fairly quickly. They felt limited as to be able to tell me what exactly happened ; except 'someone ' use convenience checks. I was told everything was fine. This happened in XXXX of XXXX. I noticed in XX/XX/XXXX, there was excessive convenience transfer check charges. They were 75 % of the interest charges. I spoken to them ( XXXX XXXX, XXXX ) and on a number of occasions ; they agreed and told me it would be taken care. I noticed two weeks later - NOTHING happened. I contacted them, they said it was look into and things were correct as they stand. ( They did not bother to even contact me ) I spoke to others ( at the company ), and got a response that, several years ago, there was a transfer, true. That these high transfer is the result of the fees. Just an inside fact ; when I make the transfer it was done electronically ; I DID NOT WRITE ANY TRANSFER-CONVENIENCE CHECK ( S )! I want it to be known, I take responsibility for my debit, as well my payments. I'm not late, and definitely do not miss payment. Not even this one that I in great disagreement over. -- PLEASE, can shed some light, please. -- Much appreciated!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CT

Complaint narrative:
On Monday, XX/XX/XXXX, I received a scam phone call with Bank of America as the caller name and the woman stated that I had a charge at XXXX for {$250.00} and then a another charge yesterday at XXXX for {$800.00}. The first red flag was that I dont have a Bank of America account and also that the charges were for even numbers with no type of cents. As soon as I stated, I did not have a Bank of America account she hung up the phone. I did try calling back the number and it did take me back to Bank of America, but was unable to get through to anybody because I needed to have a checking or savings account or give my Social Security number which I was not going to do. My phone number is XXXX, please call me with any questions. Thank you, and have a great day.

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 2025-03-03 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: AL

Complaint narrative:
I attempted to have Equifax and Experian resolve the issue of my information being exposed in the Equifax data breach that resulted in several fraudulent accounts and relating inquiries to my credit report on XX/XX/year>. 

These companies have failed to legally resolve my issue. Here are the following fraudulent accounts ; XXXX XXXX XXXX {$26000.00} XXXX {$610.00} XXXX XXXX XXXX {$770.00}

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: SC

Complaint narrative:
In XXXX  during covid there were to protect against and shouldn't have sent me to foreclosure but they did anyway. Now I have all these extra fees that salene added after they received the certified check. But really they should have never sent me to foreclosure. I requested for years even wrote the CEO on linked in with no response. I want the fees adjusted and any negative credit reported removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
I am writing to formally dispute the reporting of certain collection accounts, closed accounts, and paid-off accounts on my credit profile. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) 609 and 611, I am requesting an immediate investigation and deletion of these accounts as they are inaccurate, outdated, unverifiable, or no longer serve a purpose in being reported. 

ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Status : Paid Off/closed Date Listed : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Status : Paid off/ Closed Date Listed : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Status : Collections Date Listed : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Status : Collections Date Listed : XX/XX/XXXX Failure to Provide Proper Validation ( FCRA 609 ) Under 15 U.S.C. 1681g, I have the right to request complete documentation proving the validity and legal enforceability of these accounts. This includes : A signed contract/agreement proving I authorized the debt. 
A full payment and balance history that verifies the accuracy of the information reported. 
Proof of the creditors legal right to report the account on my file.

If the credit bureau or furnisher is unable to provide the requested information, this account must be deleted immediately under FCRA 609 ( b ).

Unverifiable or Obsolete Accounts ( FCRA 611 ) Under FCRA 611, if an account is disputed and can not be verified within 30 days, it must be deleted from my credit report. Additionally, per FCRA 605 ( a ), most negative accounts must not remain on a consumer credit file for more than seven years. If any of these accounts exceed this timeframe or lack verifiable proof of accuracy, they must be removed immediately. 
XXXX. Paid Accounts Are No Longer Relevant ( FCRA & Fair Debt Collection Practices Act - FDCPA ) Paid-off accounts do not reflect a current debt obligation and, if reported with derogatory marks, negatively impact my credit standing unfairly. Continuing to report paid debts as negative items can be considered misleading and unfair under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2025-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MI

Complaint narrative:
XXXX this was not an official of the department of education or even any department in the federal government. In fact, this was an unauthorized, non employee that was given access to my information. There was no written consent or information given that allowed this person to access any of my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Undenounced to me the Capitol one allowed extensive fraudulent charges to accrue. Capitol One 's fraud department did not take even the most basic precautions to prevent the fraud from occurring. There were obvious signs that fraud was occurring such as frequency and dollar amounts of the charges within a few days. Capitol One did not identify the fraud nor alert, communicate, or reach out due to these abnormal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: OH

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I contacted Chase because I noticed my Chase XXXX  credit card account had been closed. The month previously I used the feature within the Chase app to create a payment plan. The plan allowed me to set my monthly payments in effort to resolve my balance. The outspoken terms mentioned in the agreement stated it would set me up to pay off my entire balance in approximately 48 months. I paid on the payment plan according to the agreement. A month later I noticed the account was closed. I contacted Chase because of the mistake. I spoke with my account manager and the customer relations supervisors and according to them the account was closed as a result of the payment plan. The supervisors informed me that I would have to call into Chase customer service in order to set a " payment plan ''. They continued to say that the plan I selected through the Chase app does create a " payment plan '' however, it closes the account. I explained to the representatives how that information was not disclosed to me and I did not agree to having my account closed. At this time I had made a large payment of {$1000.00} with the expectation of paying my balance off much sooner then the XXXX, or so, months provided in the payment plan available via the app. I explained to the representatives that I would have never agreed to close my account. They mentioned that in the extended discloser there is a blurb that creating the payment plan via the app will close the account. I found issue with this because I never wanted my account closed and there was no bold or stopping point that indicated my account would be closed. As a customer I expect for an action of that magnitude to be announced before I able to agree to terms for a payment plan, which is something that is request by consumers on a regular basis. If you have to call in to make a payment plan you should DEFINITELY have to call in to close your account. This is now affecting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-03-03 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-03-03 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX XXXX. I live in California and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. He made me belive that he is in progress of doing the work. However, the job was never started and the contractor took my money and left. I put my savings to fix this property due to building code violations and this person took advantage of me. There were XXXX different transactions to be disputed with My Banking Direct : amount of {$2000.00} on XX/XX/year>, amount of {$2000.00} on XX/XX/year> and amount of {$1000.00} on XX/XX/year>. The bank never investigate my dispute and rejected my claim.

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 2025-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX a car loan was taken out in my name without my knowledge. I was doing a regular credit check when I saw I had a delinquent account. On XX/XX/XXXX I submitted a dispute to get the delinquent car loan off my credit through XXXX and XXXX and on XX/XX/XXXX the investigation was completed saying they still found myself liable of the loan. I have no documentation showing that I signed off on the loan. When asking for documentation on the account I was denied. I consider this as fraud and am seeking relief to get this off my credit.

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