vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the charge-off on my CarMax Auto Finance account , referenced above, which shows a balance of {$13000.00} written off and {$13000.00} past due as of XX/XX/XXXX. 
Upon reviewing my credit report and account history, I believe there may be inaccuracies that need immediate attention. Please consider the following : Fair Credit Billing Act ( FCBA ) : As you are aware, the FCBA provides consumers with protection from billing errors on open-end credit accounts. I am requesting a thorough investigation to ensure that all charges on my account were accurate and in compliance with the law. If there are any discrepancies or errors, I request that they be corrected and the charge-off be removed from my credit report. 
Truth in Lending Act ( TILA ) : TILA requires lenders to provide clear and accurate information regarding the terms and conditions of the loan. I request verification that all disclosures were properly provided and that my account was managed in accordance with TILA requirements. Any violations should be rectified immediately, and the charge-off status should be reconsidered. 
Electronic Fund Transfer Act ( EFTA ) : If there were any electronic transactions associated with my account, I request verification that they were processed in compliance with EFTA. If any unauthorized transactions occurred, they should be reversed, and the charge-off should be removed from my account. 
Statute of Limitations in North Carolina : The statute of limitations for automotive debt in North Carolina is three years. As my account was charged off in XX/XX/XXXX, the debt may be time-barred as of XX/XX/XXXX. Please provide documentation proving the debt is still legally collectible. If you are unable to provide such proof, I request that you cease collection efforts and update the account status accordingly. 
In light of the above points, I kindly ask that you investigate this matter and provide me with written confirmation of the results of your investigation. If errors or discrepancies are found, I request that the charge-off be removed from my credit report and that you notify the credit bureaus of the correction. 
Please respond to this dispute within the legally required timeframe, as specified by the Fair Credit Reporting Act ( FCRA ). 
Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I looked at my Citibank Double Cash card on XX/XX/ 2024, and I found a long list of unauthorized charges beginning on XX/XX/XXXX, total up to between {$1000.00} - {$1600.00}. I logged into my Citibank app and reported my card lost/stolen immediately, and flagged all the fraudulent charges to Citibank. Because some of the charges were still pending and did not have a dispute charge button for me to click on, I called into Citibanks fraud department on Tuesday, XX/XX/XXXX at XXXX PST and spoke to a fraud specialist to ensure that all unauthorized charges would be marked as fraudulent. As I was waiting for their decision, Citibanks fraud department called me back and asked me a series of questions again about my charges ( I do not remember the date of this call ). The fraud specialist ensured that I would not be liable for any of charges during the investigation period. Today, XX/XX/2024 at XXXX PST, I checked for an update on my fraud charges, only to see that Citibank decided that I would be liable for almost every single unauthorized charge ( a few more charges are still under investigation ). I called XXXX to protest this decision, but the fraud specialist said that the appeals department opens at XXXX PST, and I would need to call back then. 

I am beyond upset with Citibanks decision because I do not think they did a proper investigation of these fraudulent charges on my credit card. I lost my physical card in XXXX XXXXXXXX XXXX on XX/XX/2024. When I click on the fraudulent transactions within the app, almost all transactions were purchased in-store in XXXX XXXX XXXX between XX/XX/XXXX - XX/XX/2024. This is impossible because I was physically in XXXX XXXX from XX/XX/XXXX - XX/XX/2024, and in XXXX XXXX XXXX from XXXX XXXX, 2024 - XX/XX/2024. In addition, I made an in-store purchase in XXXXXXXX XXXX XXXX on XX/XX/XXXX, so the charges that I marked as fraudulent on my Citibank Double Cash Card are 100 % NOT made by me.

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 2024-08-29 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: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
My statement with Nordstrom Card Services for the period ending XX/XX/year> included 2 transactions for the same item ( a pair of boots ) resulting in two charges of the same amount for two pairs of boots. When I viewed my Nordstrom order history I saw that I only ordered and received one pair of boots. Leading me to believe that while I ordered one pair of the boots, I was charged for two pairs of the boots. When I called to report this, I was transferred and hung up on numerous times. Eventually, I was able to connect with a representative that filed a dispute for me. I received a letter stating my dispute was denied and that documentation " found during the investigation '' was included. However, no documents were included and no explanation for why the dispute was denied. After calling again I was told that one of the 2 charges was for a different item, even though both transactions display that the charge is for the exact same pair of boots on my statement. When I asked to have documentation showing that the 2nd transaction was valid and what it was for, I was advised there was nothing they could provide me with. I would have to believe that the transaction was valid and there was nothing further they could do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I would like to bring to your attention that the reported charge-off status and the manner in which it has been presented on my consumer report are inconsistent with the guidelines outlined in 15 USC 1681eb . According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb . Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
XXXX, XXXXXXXX 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, I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I DO NOT HAVE A CONTRACT WITH XXXX  XXXX  THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT. 

I requested that all negative items to be remove from my XXXX, XXXX XXXX XXXX XXXX XXXX credit report. I in fact asked the companies to provide me with all documentation that they have which proves that I owe any debts for the account that is reporting as a collection account. Any documentation requesting for my credit report to be pulled resulting in a hard inquiry. This information is damaging my credit reputation and I am unable to obtain financing for my household. 
I do not agree with the information that these companies are reporting on my credit and I ask for it to be to removed it permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX  credit report. Once inside his credit history he noticed multiple items dating back to 2015 which he says do not him. XXXX provided the following information : XXXX XXXX XXXX Paid Never late Navy Federal Credit Union status account charged off Navy Federal status paid close never late 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting 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/XXXX i received a inquiry on my Transunion credit report from a XXXX XXXX which I did not authorize. I reached out to them and they determined it was fraud. They said they would mark it in their system but I would have to reach out to Transunion to have it removed. I reached out to Transunion who tell me I have to contact XXXX XXXX. This has happened before with Transunion. I am tired of going back and forth. Transunion is a ridiculous company to deal with especially as it is my information. Any help in this matter is greatly appreciated.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-08-29 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: VA

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-08-29 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: VA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DPT ED XXXX XXXX XXXX DPT ED XXXX XXXX XXXX 15 U, S, C. 1681section 602 A, States I have the right to privacy. 

15 U, S, C. 1681section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681 c ( a ) ( ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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 accounts, 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 accounts in my file. 
XXXX  XXXX XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-29 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: FL

Complaint narrative:
I am XXXX XXXX, and Im 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, Transunion, XXXX, and 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 2024-08-29 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: FL

Complaint narrative:
I am XXXX XXXX, and Im 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, Experian, and 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 2024-08-29 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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