vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: TN

Complaint narrative:
A checking account with Chime bank was opened under my name. I received an email invitation to start a direct deposit with them that included an account number and routing number, etc. I immediately called Chime and they confirmed that this was done fraudulently as they had my social security number, name, and email. The account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number XXXX XXXX  Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-08-24 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: NY

Complaint narrative:
There are 22 inquiries on my transunion report that I have no knowledge about. 

I have filed disputes with XXXX as well as 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 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: AR

Complaint narrative:
XXXX XX/XX/XXXX of XXXX, I called my mortgage holder ( Bank of Oklahoma ) . I was informed I owed approx {$3000.00} towards the loan to make it current ( approx 3 months of payments at {$880.00} + late fees ). I informed them I had already sent {$1800.00} ( 2 months of payments at {$880.00} + late fees ). This check was received and cashed by BOK within 2 days of this call ( on/around XX/XX/XXXX ). My bank confirmed the check cleared and was cashed by BOK. That would mean as of XX/XX/XXXX, I would still owe 1 month of a {$880.00} payment plus late fees. On/around XX/XX/2023, BOK mortgage sent my information to foreclosure/lawyers and stated I owed approx {$5200.00}, that there was Not a payment made on the loan since XX/XX/2023 and the loan was going into foreclosure. I called BOK to dispute the amount due and the timing of the last payment. After providing documentation, and waiting approx 2 weeks as BOK investigated ; I received an email that stated BOK had misapplied my funds to a different account and they were at fault. However, they then stated in that email that the loan " would've gone into foreclosure anyway '' even if they had applied the funds correctly. Their 90 day policy on foreclosure would have been timed so that XXXX was the 3rd month. However, their records indicated I was 6 months behind when foreclosure started because of their accounting error. Since i was concerned this accounting error had occured previously without my knowledge, I requested the last 3 years of payment history to correlate with my bank records. I also requested to speak to someone at a Supervisor level several times due to the nature of the issue and representatives not being fully aware or know how to handle the situation. They would not have a supervisor speak to me or even send an email. When i spoke to the last representative, the supervidor notes were incorrect. It showed BOK returned the {$1800.00} payment " because it was not the full loan reinstatement amount given by the lawyers '' However, at the time of payment in XXXX, there was NO reinstatement amount because tge loan didn't get sent to the lawyers for that reinstatement amount until XXXX. I informed them I could catch the loan up to the current date, but felt I should not have to pay the lawyers fees for reinstatement of the loan. I was told on Friday XX/XX/XXXX that the property had Not been scheduled for sale yet ( due to the issues discussed ) but I received a notice of sale on Mon XX/XX/XXXX that was dated for Mon XX/XX/XXXX. They also attempted to schedule a home inspection for sale without notification even though I have an active complaint open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: MS

Complaint narrative:
My personal information was stolen from my car and my id has been used to get credit and loans. I filed the correct paperwork per the FCRA and sent them to the credit agencies. The disputes are not being done correctly and the documents I sent in are not being attached to the disputes. And I am not getting the copies of the verification process per the FCRA. 

These are the accounts : XXXX credit XXXX XXXX XXXX of 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 2023-08-24 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: CA

Complaint narrative:
Experian is intentionally misrepresenting that there is a balance on my XXXX XXXX visa ending in # XXXX and fraudulently " verified '' that the entry is accurate. Background. My XXXX XXXX visa was reported with a balance and I contacted XXXX XXXX to correct it. XXXX XXXX informed and instructed me to contact Experian because they could ( or would not ) take further steps. I filed a request for investigation with Experian accordingly, which resulted in " verification '' if the inaccurate balance and no change to my report. Becuase the information is false, I resubmitted my request and included a letter from XXXX XXXX confirming that I have no balance owed on the card, together with the most recent payment history. XXXX XXXX  informed me that they " don't control '' what Experian reports and I must contact Experian for correction. Notwithstanding the letter confirming that no balance is owed, Experian again fraudulently " verified '' that the reporting balance is correct. It is not correct. Finally, I note that I have had repeated struggles with Experian reporting accurate information. In some previous cases, it took months for me to get accurate information reflected in my report and Experian is never willing to take responsibility, as Experian usually dismisses - without explanation as to why the inaccuracy persisted - that the information changed precisely as I had complained it should.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The company reported my balance to my account incorrectly which drastically increased my utilization on my credit report. If you look you will see that prior to this reporting my account balance has always reported low balance and utilization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: Central Portfolio Control Inc.
State: MI

Complaint narrative:
Central Portfolio Control , Inc, has committed Mail fraud, Identity Theft, Right to Privacy Violation, and actively engaged in Willful inaccurate and false information to my credit report by placing deceptive information and creating a deficit into my credit CAUSING ME TO LOSE THOUSANDS IN CREDIT LINES ; by purchasing without transparency old discharged debt that has been paid for and proven on my 1099B. 
Also, Central Portfolio Control , Inc has committed extortion on the phone with me to get this paid for debt paid for again with them. When I sent Cease and Desist letters they in turn placed the lies and deficiencies ' on my credit report as a means of intimidation.

They have violated Metro 2 Compliance, FCRA Guidelines, and choose to use the US Postal Service and the credit bureaus TO BREAK THE LAW and to gain financial means fraudulently. Intimidating me and causing stress, XXXXXXXX, and physical symptoms of my XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to extort money from me. 
XXXX XXXX XXXX, XXXX. 
XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Person Information has been breached and am afraid it has fallen under the wrong hands for malicious intent. I noticed on XX/XX/ from CAPITAL ONE I have received a hard inquiry that I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-08-24 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: TX

Complaint narrative:
I have sent a multiple request and asking, how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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 have sent a multiple request and asking, how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX XXXX : {$390.00}

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 non-monetary relief
Consumer complaint received 2023-08-24 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: TN

Complaint narrative:
I was robbed and my personal information was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit agencies. They have not filed the correct disputes or attached the paperwork I have sent per the FCRA. Also I have not gotten any copies of the verification process which is a violation of the FCRA as well The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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:
Exerian has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Experian also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness

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 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Capital One XXXX XXXX XXXX  XXXX XXXX, VA XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. Washington XXXX DC XXXXXXXX XXXX XXXX  credit card trip delay coverage Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Dear Eclaimsline dba XXXX XXXX XXXX XXXX XXXX XXXX : On XX/XX/XXXX, I experienced an overnight trip delay while traveling on tickets purchased with my Capital One XXXX XXXX credit card. I incurred expenses totaling {$230.00} for 2 passengers. This card covers up to a maximum of XXXX XXXX dollars ( {$500.00} ) for each purchased ticket. 
On XX/XX/XXXX, I submitted an insurance claim of {$230.00} via XXXX with supporting documentation. 
On XX/XX/XXXX, additional documents were requested, which were provided. 
On XX/XX/XXXX, the same documents were requested, which were again provided. On XX/XX/XXXX, a partial payment of {$71.00} was issued. 
On XX/XX/XXXX, I requested payment in full, which was denied on XX/XX/XXXX. 
Now, I respectfully demand that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX pay in full my claim for {$230.00} pursuant to the benefit terms offered by my Capital One card. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After reviewing my Consumer Reports and noticed that I had several late payments on accounts I've never been late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of there ability with complete accuracies. I have never been late for payments on accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please investigate and provide proof by the provisions set forth in Consumer Protection Laws. That these payment were late. If proof can't be provided please update these late payments to Payed As Agreed Never Late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TN

Complaint narrative:
After reviewing my Consumer Reports and noticed that I had several late payments on accounts I've never been late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of there ability with complete accuracies. I have never been late for payments on accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof by the provisions set forth in Consumer Protection Laws. That these payment were late. If proof can't be provided please update these late payments to Payed As Agreed Never Late.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was robbed and my personal information was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit agencies. They have not filed the correct disputes or attached the paperwork I have sent per the FCRA. Also I have not gotten any copies of the verification process which is a violation of the FCRA as well The accounts are : 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 2023-08-24 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: TN

Complaint narrative:
I was robbed and my personal information was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit agencies. They have not filed the correct disputes or attached the paperwork I have sent per the FCRA. Also I have not gotten any copies of the verification process which is a violation of the FCRA as well The accounts are : 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 explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime
State: FL

Complaint narrative:
After notifying this company and General manager of my pre approval and wanting to come in to finsih my consumer credit transaction, the GM proceeds to decline my transaction thus informing him a cash down payment is not required nor a deciding factor. He managed discriminate my credit transaction informing me I can do business else where. Pursuant to TRUTH LENDING ACT AND 15 USC 1605a the term finance charge is defined as the sum of all charges this includes the charge of a down payment.. after notifying both the GM and Drive Times customer relations supervisor of my consumer rights and my right to credit and certain transactions. I have reached out to the customer relations support email in hopes to reach out to their legal team in review of my consumer rights and public law and knowledge.

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