vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc.
State: TN

Complaint narrative:
On XXXX XXXX I went to Carmax to purchase another vehicle. I had just paid off a car through Carmax in full on XXXX and they denied my credit for another vehicle after being in good standing with them and sent a refund check. Carmax denied credit as well. 

Then they shared my request for credit with other financial services without my authorization. We viewed and were given options to choose car loan services with and on the computer a request with XXXX XXXX  who never repsonded while we were sitting there at the dealership. However, XXXX responded and XXXX XXXX  responded. I selected and recieved financing on the spot at the dealership with XXXX XXXX. 

Now I am recieving unauthorized credit denials in the mail from XXXX XXXX XXXX, XXXX, and XXXX XXXX. All dated in XXXX dates until XXXX. They have exrended open credit unauthoirized. 

None of this information was diclosed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On the morning of XX/XX/XXXX, I called Equifax to confirm if they have received my documentation requesting a name change. They noted that I was missing one document, but they did not tell me I needed this document during a prior call I had with them to change my name. Furthermore, they had the audacity to require me to re-submit this document along with all the other pieces of document that they had already received in XXXX via physical mail. They did not accept alternative methods of uploading this single document, which other credit bureaus like XXXX offered. I requested to make a complaint but their staff told me I would receive a call that explains why they have a policy that puts undue burden on consumers and falls short of industry practice. The case for the complaint is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/2023 my credit card was stolen. Immediately after learning that fraudulent charges were made and amounted to the total of {$810.00} I called Chase Freedom to report the incident, I spoke with a representative in the Fraud Department and explained what happened, I provided dates and amounts of the fraudulent charges. The account was closed, a new card was provided. I was also sent a detailed itemized statement that showed charges that were removed. These charges were later placed on the new card. 
I again called the Fraud Department to inform them that the charges were not removed but placed back on the new account. Their investigation did include charges that were made without my authorization at the locations specified in the report. 
I also filed a police incident report as requested and forwarded the information on to the banks Fraud Department. 
I am requesting that any and all fraudulent charges and other associated fees be removed from my account and a new updated accurate statement sent. All negative credit reporting information is requested to be removed and updated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Contacted Equifax Customer Service at XXXX @ XXXX XXXX  on cell # XXXX ( on recorded line ). Inquired to additional service charge monetary fee to landlords to generate " Tenant Screening Report & or Eviction/Criminal History. '' I have Equifax Credit Report account. This is an additional service I would have to request through Equifax Rental Screening Services as is not an included feature/service of my account. However pursuant FCRA regulations I have the right to request & obtain this information from Equifax & any other Credit Bureau/Consumer Repoting Agency etc.. In order to dispute, request correction/modification, notation, submitt related documentation. Also to request dispute information/disposition, submitted documentation/statement etc. be included & forwarded with future requested reports/inquiries by a 3rd party. Customer Service Representative was not knowledgeable, comprehensible etc. regarding information requesting. Right to request & obtain for dispute purposes pursuant FCRA regulations. Request call reviewed for quality & training purposes. Request assistance in obtaining afore requested information so can execute rights pursuant FCRA to dispute, correct, modify etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TX

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-21 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Subject : Dispute and Request for Removal of Debt Older Than 7 Years from Credit Report Dear Sir/Madam , I am writing to formally dispute and request the removal of debt older than 7 years from my credit report. As per the Fair Credit Reporting Act ( FCRA ) section 605 ( a ), any derogatory information or negative account that is more than 7 years old should not be included in my credit report.

Upon reviewing my credit report from your agency, I have identified several accounts that are inaccurately reflecting debt that is beyond the 7-year time frame. This violates my rights as a consumer and misrepresents my current financial situation.

I kindly request that you promptly investigate these discrepancies and remove any accounts that fall under the aforementioned 7-year period from my credit report. Furthermore, I urge you to cease and desist from reporting any information related to these debts on my credit report and refrain from any future reporting that is in violation of the FCRA. 

According to the FCRA, credit bureaus are responsible for ensuring the accuracy of the information they report. It is crucial for you to comply with the law and maintain accurate credit reports, which play a significant role in determining my creditworthiness and financial opportunities. 

I expect your agency to complete a thorough investigation into the matter within 30 days, as required by the FCRA. In the event that these accounts are not removed as per the law, I may be forced to take further legal action to ensure my rights are upheld. Please consider this letter as an official notice of my intent to escalate the matter if necessary. 

Enclosed with this letter, please find supporting documents that clearly outline the inaccuracies on my credit report. I kindly request that you review these documents in conjunction with your investigation. 

I am confident that you will address this dispute promptly and take the necessary steps to rectify the inaccuracies on my credit report. Your full cooperation is expected to resolve this matter efficiently and in accordance with the law. 

Thank you for your immediate attention to this important matter. I request written confirmation of receipt of this letter and updates on the progress of your investigation. 

Yours sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TX

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX auto loan approx {$42000.00} from XXXX, XXXX  no payments reported to credit bureau after XX/XX/2022. I was made aware of the situation upon trying to trade my vehicle in and the dealership told me I could not trade a car in that does not belong to me. This was very emabarrasing and humiliating. The salesman said nothing is on your credit report showing you have a vehicle in my name. It was also a slap in the face considering my payment history was excellent but due to not being reported it was no help to my credit score. With that being said the request for the down payment amount could have been lessened or avoided altogether if I had proof of payment history on the auto loan from Wells Fargo.

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 2023-09-21 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have not authorized a credit inquiry nor have I solicited a credit card from your company. 
Please remove the hard inquiry from your records and update my information to all of the credit reporting agencies. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-09-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
I disputed a transaction in XXXX and it's still under investigation I call once sometimes twice a week and get no real clear response. Some people answer and be completely rude and hang up and others act as if they can't hear me. I'm tired of this company and will never use them again. It's now XX/XX/2023 I've been waiting for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I send Equifax Dispute about False Inquiry on my credit report. Equifax is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry. Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave No One any written consent to report anything on my consumer reports no consent is Fraud and Under 15 U.S Code 1602 ( p ) - Unauthorized use of my Information. Remove all of the fraudulent Inquiry off my credit report. 

Inquiry details XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was shopping for a new business credit card. I reached out to my current lenders before making a decision. I called CHASE, Spoke with four of their representatives, about the details, rewards, my options and to confirm the terms and conditions, before applying and receiving approval. After noticing that I was given more than one misleading statement, that influenced my decision on choosing the right card, I called and was directed to a supervisor. After informing the supervisor, I was hopeful that the matter could be resolved, or some type of resolution. The supervisor hung-up, while I was still talking, twice. The supervisor downplayed the entire situation, racially profiled and was very discriminatory, towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO bought Bank of the West in the first week end of XXXX I paid the remainder of my rent for XXXX but my account was short {$68.00} I have overdraft draft protection so I called my landlord to notify it would be ok. BMO returned my check for insufficient funds. I called 3 times to correct it. I emailed them from work. I was told I do not have overdraft protection. Because of this error I was charged a {$50.00} late fee and got a 3 Day Notice to Pay or Quit. I changed my direct deposit to XXXX XXXX  because I don't trust this bank BMO. I want a resolution.

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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
I got a line of credit in XXXX of XXXX, and they were drafting XXXX out of my checks bi-weekly. I was moving from XXXX, back to XXXX  and was going to file bankruptcy because I was struggling ran into medical issues and contacted net credit that I was going to file. I contacted noncredit because I have gotten back into a better financial situation and not filing, they told me the balance was {$3700.00}, and that I would still owe {$5400.00} and i asked how I only borrowed {$3000.00}, and I would like to take care of the XXXX they said if i didn't pay the full XXXX each month they would still report to credit bureau in default. I told her I would have to see if I could find research on this predatory lending, high interest rates, and lack of offering a way to resolve the debt to help me. I called back, I emailed it takes forever to contact them. I got, an email finally telling me they closed my loan so only options are to pay the balance of {$5400.00} or to make XXXX installments of {$50.00} until XXXX so for XXXX years they are going to impact my credit, and take my money. How is this helping?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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