vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: CarMax, Inc.
State: DE

Complaint narrative:
I am writing to file a formal complaint against CarMax Auto Finance regarding their handling of my vehicle repossession, specifically the lack of proper notification and failure to comply with consumer protection laws. The details of the complaint are outlined as follows : 1. Lack of Written Notification of Repossession : I was never notified in writing of the repossession of my vehicle. According to federal and Delaware state laws, creditors are required to provide written notice prior to repossession. However, I received no such notice from CarMax Auto Finance.

2. Failure to Provide Notification of Reclamation Procedures : Following the repossession, I did not receive any notification regarding how or when I could reclaim my vehicle at auction. This lack of communication deprived me of my rights as a consumer and prevented me from taking necessary actions to mitigate the situation.

3. Absence of Notice Regarding Auction Sale Proceeds : Additionally, CarMax Auto Finance failed to provide me with a letter stating the amount for which my vehicle was sold at auction. This lack of transparency violates consumer protection laws and deprives me of crucial information regarding the disposition of my asset.

4. Failure to Provide Required Tax Documentation for Charged Off Account : Furthermore, the account related to the repossession was charged off by CarMax Auto Finance. Under federal law, companies are required to issue a Form 1099-C to taxpayers when a debt is canceled or forgiven. However, I did not receive any such documentation from CarMax Auto Finance, despite the account being charged off.

I believe that CarMax Auto Finance 's actions not only violate federal and state consumer protection laws but also demonstrate a disregard for ethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
Zwicker & Assocites in New Jersey are debt collection company. That buys debts from credit card companies and sues people telling them the credit card company hired them. Which is false. They buy the debt. They are calling my husband at work harassing him for money and information when the credit card is in my name not his .. they attached two different credit card agreements with two different last names to the summons. Every time we tell them not to call they call back with another number and texting me. They have over XXXX complaints on XXXX. Also the number they used to file the summons was not in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I made an ACH payment through SoFis app to pay off the balance of my credit card {$9400.00} on XX/XX/XXXX. Today on XX/XX/XXXX, I tried to use the card for a {$140.00} purchase & it was declined. When I called SoFis customer service #, they told me they havent released the funds from the payment yet, even though it had been 7 calendar days & 5 business days. The funds had been debited from my checking account on Friday, XX/XX/XXXX. This was a payment made electronically & we are well past the 3 days an ACH can be rescinded. So they are in essence holding my funds that they absolutely have in their possession and not allowing me use of them. I would like it noted that I have never had a payment to them bounce in the past. 
The solution I was given was either request a credit limit increase, which I dont need or want & doesnt make sense since I wanted to use only {$140.00} of what should be over {$9500.00} in available credit. Or, it was suggested that I open a checking account with them so in the future I can make payments using that & the payments will process more quickly. Since they seem to be playing fast & loose with holds on card payments, I cant imagine what kind of holds they put on electronic deposits to their checking accounts.

The bottom line is that I dont think it is very consumer friendly for them to hold electronic payments for 10 business days when they receive the funds in 24-48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
CNAC has put a negative remark on my credit report in regards to a debt that is my ex husband 's and I have sent the divorce decree signed by a judge stating this is not my debt but his to pay off. This negative remark is hurting my credit report. I have sent the divorce decree to all credit bureaus and CNAC. CNAC says they do not honor divorce decree. It is a legal binding paper stating this is NOT My debt. I want this negative remark removed so I am able to get a home owners loan and move on with my life. I have sent the decree to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These entries are incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-21 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: AZ

Complaint narrative:
I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
According to FCRA 605B, it's imperative to eliminate any incorrect accounts from my credit report. Could you please assess the documents? There are inaccuracies present in some of the listed accounts ' reporting.

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 2024-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
We received an unpayable adjustment to mortgage to begin XX/XX/XXXX. Upon investigation on XX/XX/XXXX, we learned the homeowner 's insurance was increased from $ XXXX to {$2300.00} without notification from the insurer and paid. ( We immediately located better pricing with a different company. ) We then examined the annual escrow analysis fully, finding that : the forecasted payments for the prior period were excessively low because NO HOMEOWNERS POLICY PAYMENT was included in the analysis on XX/XX/XXXX. The policy was paid from our insufficiently funded account so the underage was assured. Continuing inspection revealed that our account was never credited the XX/XX/XXXX escrow payment. This detailed month-by-month analysis is shown under 'Actual Payments '. This MISSING ESCROW PAYMENT has deepened the negative value of the 'beginning balance ' relied upon to calculated the next set of mortgage payment amounts. 
We spoke to staff requesting new escrow analysis on XX/XX/XXXX, XXXX, and XXXX. We submitted the request in writing on the Freedom Mortgage website on XX/XX/XXXX. We got a response XX/XX/XXXX, and responded to their comments on XX/XX/XXXX. NO CHANGE IN XX/XX/XXXX PAYMENT and ESCROW PAYMENT NOT ADDRESSED.

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 2024-03-21 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: SC

Complaint narrative:
I previously disputed an account listed on my consumer report XX/XX/year>. I did not receive verification regarding this account. I submitted my Identity theft report to validate my claim that this account does not belong to me. I never signed any consumer contracts with this company furnished on my report. They have not provided me with any contracts bearing my wet ink signature nor have they proven that I owe this alleged debt. I am reaching out to you to request a reinvestigation into this matter because this account is causing extreme hardship for me. I take my credit very serious and the fact that this identity theft is going unnoticed bothers me. According to the FCRA XXXX5 USC 1681i you are required to do a thorough investigation. I seek maximum accuracy just like the law states. This company is committing fraud by attempting to collect a debt I do not owe and they have violated my right to privacy by having my personal information without my consent. The account in question is XXXX XXXX XXXX account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit report of XX/XX/2024 indicates a score drop of XXXX points over XXXX day period. I see no reason for this drastic change. Please advise

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 2024-03-21 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: BMO BANK NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My debit account ending in XXXX with BMO Harris Bank was defrauded by a merchant names XXXX  on XX/XX/XXXX with ( XXXX ) charges for {$130.00} each resulting in {$260.00} being taken from my account without my authorization on XX/XX/XXXX. I CALLED BMO Harris to report the fraud the same day as I routinely check my account daily. It was still pending. Thinking they can stop, reverse or cancel the transaction. BMO Harris said they couldn't do anything until it posts to my account. And during that conversation BMO rep told me they attempted several charges but only ( 2 ) went through I DIDN'T find that answer acceptable to me so I looked up Remitly and called them to explain I didn't authorize those transactions. Remitly rep said they couldn't find any charges with my name and or my debit card number and to let it post and work with my bank to resolve the fraud as remitly will work with BMO. the next day the charges posted I opened a fraud case of with BMO XXXX I was told a provisional credit will be provided as they investigate and attemp to recover and resolve the fraud. I NEVER received any credit back. I kept calling BMO Harris back day after day week after week in attempt to recover MY MONEY that BMO Harris gave away to thieves! I kept getting the run around with BMO Harris, it will be posted in 24hr then next Monday. Then I finally was told it was denied and to wait for a letter explaining why. They do this as a stalling tactic which is really dishonest. Instead of helping the client who entrusted their money within their institution, they disrespect them with these semantics. The letter said denied because a credit has already been issued. Which I NEVER received any credit and the charges where NEVER reversed! Now the only way to communicate with the group who makes these decisions are via email which they NEVER respond too! I am now getting defrauded by my own BANK! This can not be right! BMO Harris owes me {$260.00} and more now because of the aggravation they have put me through.I need answers and looking to sue BMO Harris they shouldn't get away with this theft of clients funds.

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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-21 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: SC

Complaint narrative:
I previously disputed an account listed on my consumer report XX/XX/24. I did not receive verification regarding this account. I submitted my Identity theft report to validate my claim that this account does not belong to me. I never signed any consumer contracts with this company furnished on my report. They have not provided me with any contracts bearing my wet ink signature nor have they proven that I owe this alleged debt. I am reaching out to you to request a reinvestigation into this matter because this account is causing extreme hardship for me. I take my credit very serious and the fact that this identity theft is going unnoticed bothers me. According to the FCRA 15 USC 1681i you are required to do a thorough investigation. I seek maximum accuracy just like the law states. This company is committing fraud by attempting to collect a debt I do not owe and they have violated my right to privacy by having my personal information without my consent. The account in question is XXXX XXXX XXXX account number 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 2024-03-21 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: SC

Complaint narrative:
I previously disputed an account listed on my consumer report XX/XX/24. I did not receive verification regarding this account. I submitted my Identity theft report to validate my claim that this account does not belong to me. I never signed any consumer contracts with this company furnished on my report. They have not provided me with any contracts bearing my wet ink signature nor have they proven that I owe this alleged debt. I am reaching out to you to request a reinvestigation into this matter because this account is causing extreme hardship for me. I take my credit very serious and the fact that this identity theft is going unnoticed bothers me. According to the FCRA 15 USC 1681i you are required to do a thorough investigation. I seek maximum accuracy just like the law states. This company is committing fraud by attempting to collect a debt I do not owe and they have violated my right to privacy by having my personal information without my consent. The account in question is XXXX XXXX XXXX account number 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I maintain that including inaccurately reported late payment remarks on my accounts violates 15 USC 1666. Each payment linked to these accounts has been submitted promptly, and any departure from this precise reporting is unfair and unlawful.

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 2024-03-21 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: GA

Complaint narrative:
I did not consent to these inquiries and strongly suspect they are fraudulent. I implore you to conduct a comprehensive investigation and promptly remove them from my credit report.

Company response to consumer: Closed with explanation