vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ), states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I disputed two charges with XXXX after XXXX refused to help. 
Capital one asked me for proof of return, so I sent them the XXXX tracking numbers that XXXX provided to me which shows both were received by XXXX. 

That should be ample proof, yet Capital one, without even reaching out to me to ask for more detail, closed the disputes stating they didn't have the information I asked for. 

I wasted 40 minutes of my time today talking to an incompetent Account manager who didn't seem to understand what I was saying and not once did she say I needed to send screen shots of the XXXX site showing it was delivered. Why can't Capital one plug the tracking number into the XXXX tracking site and see that themselves? 
Takes seconds. 

I sent the screen shots today but have no faith after this they will handle accordingly an dthis is a prepaid account so that's my money. Not happy with how they have handled this nor their lack of decent service agents I will attach documents for more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03 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: CA

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy 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 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 2023-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I submitted several disputes to Experian. Experian is violating my rights under FCRA. I understand that it is not illegal for CRAs to partner with financial institutions to provide information but these partnerships are causing Experian to dismiss or prevent valid disputes even when presented with irrefutable evidence that the lender/creditor is knowingly certifying erroneous information. Once the lender answers back their answer is taken as gospel even though more often than not Experian does not require them to submit any supporting evidence of their claims. So I am submitting the same information to CFPB so that Experian can expose themselves as unfair, unethical, and untrustworthy. This dispute involves XXXX XXXX credit card company. They claim payment was late in XXXX and XXXX. Payment was made for XXXX and both accounts are enrolled in credit protection program as of XX/XX/23. Ive attached screenshots of the company website showing dates payment was received and screenshots from my banking app showing the corresponding transactions. None o you d this matters to Experian and they will still refuse to remove the false information. Stay tuned because the corruption is going to be overt and unapologetic.

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 2023-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was put on a program to help pay my mortgage in 2020 during the pandemic. My first payment was to start in XXXX I believe however XXXX XXXX stopped all payments and for closing. When my payment wasnt made they kept calling me. I kept tell them that XXXX XXXX stopped all payments but the kept calling and I talked to lost mitigation i was told they knew nothing about that and i need to pay. They kept sending me letters. When I started talking to the mortgage department they were saying it was an error and disregard in must be a mistake but it kept happening. Then it stopped after a few weeks. The a check was supposed to be given to me from my housing insurance but they said no because i was in foreclosure. Im like im on a program then the called lost mitigation and they told them I was on a XXXX XXXX program. I knew nothing about that and didnt sign any papers daying that. I called XXXX and the explained it to me. They said not to worry navy fed could not take me iff without my permission and they will keep in contact with me. I didnt trust that so I keep calling to make sure things were good. In XXXX i got a letter from the lawyer saying they were going to start foreclosure. Im lost I thought i was on XXXX XXXX  program. I went to navy fed to find out and was told they send paperwork to me many times with no response. I told them they didnt send me anything. They said itwas sent to XXXX XXXX XXXX XXXX XXXX SC well i live at the property address and i got nothing. My name us in the mortgage also so i should have gotten everything they sent to him. He doesnt even live there anymore so no one got the paperwork. They told me it was there mistake and it would be taken care of. Then I started getting letters to {$1000.00} a month. I said if u put me on a program because I couldnt pay {$940.00} how was i to pay that. And i had a court date. They said if i send in the new paperwork dont worry about the court date. I sent in the paperwork. 2 months later it started all over again they lawyer now had a sell date. Im calling again the paperwork I sent expired. No one told me. I went to the clerk of courts and was told what was going on and I shouldve told the judge about the paperwork but i was told there wasnt a court date anymore so I didnt go. I had to file bankruptcy to save my house. I gave to pay {$2500.00}. A month to save my house. Please tell me what i did wrong to get put in this position, they kept call about that payment even after they told me not to pay. I was told it was the collection department do why didnt they know i was told not to pay. I found out in XXXX but the last statement i got was XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I reported the fraud within 1 day of the charges. I have submitted proof there was absolutely NO WAY I completed the transactions. I canceled the card and changed all passwords and access codes to prevent future fraud. I reported it to the police who agrees to press legal charges against the people who are responsible and I provided the police report number within the day of the incident. I included the report made to the police and I called and verified all items were turned into chime that I could show indisputable proof the charges were fraud. I called all merchants to report the fraud charges and they ALL SAID CHIME HAD TO ISSUE CHARGE BACK ON THE CHARGES IN ORDER FOR THE MERCHANTS TO CANCEL THE SERVICES I WAS ILLEGALLY CHARGED AND UNTIL CHIME ISSUES A CHARGE BACK THE THEIF HAS CELL PHONE SERVICE THAT I PAID FOR!!!! THAT IS COMPLETELY UNJUST!!! 

CHIME DENIED THE FRAD COMPLAINT AND SAID ALL CHARGES WERE VALID AND AFTER I ONCE AGAIN SHOWED THEM THAT THEY ARE WRONG WITH COMCRETE PROOF THEY SAID IT COULD TAKE UNTIL XX/XX/2023 UNTIL A ANSWER IS GIVEN AND UNTIL MY FUNDS ARE REFUNDED. 

CHIME CLAIMS THAT FOLLOW FDIC RULES AND REGULATION and also advertises they follow visa fraud back program but they are not in my case and I demand they help me and follow the standards and procedures they are governed to follow.!! 

RE : Account Number : XXXX Claim ID : XXXX Fraudulent charges all are from XX/XX/XXXX ; I provided proof I was 100 % unable to make the charges ... XXXX {$13.00} ... {$20.00} ... {$29.00} ... {$33.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01 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: MO

Complaint narrative:
XXXX XXXX continues to report fraudulently a business debt opened on a different tax identification number to my personal credit report. XXXX XXXX is committing fraud by putting a debt on a different person. The fraud continues after reporting and disputing. No proof has ever been sent to me that this is my contract or has anything to do with me. All disputes have been ignored, and never really investigated as to the origin of the dead from a failed business seven years ago with a similar name. I have filed a fraud report with the FTC report number XXXX. The FTC report also includes Equifax fraud by reporting the same business on personal credit report. And never showing any proof of debt or contract. Equifax is also reporting a BJs club condemned the bank that is also a bit of time not related to me and XXXXXXXX XXXX which has never been proven to be mine or any contract provided or proof of real debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. 

I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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:
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. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Agent XXXX XXXX with USAA required I provide credit card information after I reported a transaction in response to a fraud alert. One of the transactions if the transactional information bundled in the text would make it appear as a preauthorization in Texas for XXXX simultaneously while I was preauthorization on a gasoline transaction in Virginia XXXX Multiple member service representatives requested information from the credit card and gave verbal instructions on how to acquire such information through the application and website. Website was listed with a unique identifier XXXX after logging out. Application was listed as XXXX in the version.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: PA

Complaint narrative:
I have previously contacted the company Equifax to let them know that I have never had any dealings with XXXX XXXX. Then I received a letter saying upon investigation that the account belong to me, which is not true. I do not know what kind of investigation they did but whatever they did, they didnt do it deep enough, because this is not my account XXXX with a balance of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
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 creidit central... was XXXX XXXX XXXX XXXX XXXX it's reporting under the law they can't do this never received notes from these companies of being 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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
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 XXXX XXXX. was XXXX XXXX XXXX XXXX XXXX it's reporting under the law they can't do this never received notes from these companies of being 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 explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. 

I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. 

I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
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 XXXX XXXX... was XXXX XXXX XXXX XXXX XXXX  it's reporting under the law they can't do this never received notes from these companies of being late..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank doesnt what to provide me with a letter of payoff no more debt with them

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 2023-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America has failed to reimburse me a majority of bogus cash advance fees related to a checking account that was used immediately & closed shortly afterwords after being told a check would be issued ( with no time frame given )

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 2023-07-01 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: MD

Complaint narrative:
On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan.

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails

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