vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: CarMax, Inc.
State: SC

Complaint narrative:
The information listed below are unauthorized inquires, which appears on my credit report, does not relate to any transaction ( s ) that I've made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Carmax Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: AL

Complaint narrative:
TransUnion has been lying on my credit report for over a year and now trying to say I have too many delinquencies when I have none theyre trying to say that Ive barely had any credit age when Ive had over at least two years of credit now. When I went to the car dealership the other day, it tried to say that I had fraud on my Social Security number when I dont have havent had any issues with fraud just TransUnion lying on my report multiple times.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-09 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: LEXISNEXIS
State: FL

Complaint narrative:
To whom it may concern, I'm looking at my credit report and I see a charge off on my credit report from XXXX XXXX. According to Pub L. 85-866 Section 8.Section 166 ( d ) ( 2 ) a " charge off '' is a taxable event which makes it income. So it is UNLAWFUL for the credit reporting agency to report charge offs on the report as I have a right to privacy for all of my income. Please remove immediately. Please note this is a notice of pre arbitration if the charge off is not removed. 

Thank you. 
Regards All rights Reserved XXXX : XXXX XXXX . Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2024 I contacted WePay by JP Morgan as they withheld {$1700.00} that was to me via credit card by one of my recurring XXXXXXXX XXXX client. 

They told me the following : " We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2024 Because of the proprietary nature of our review, we are unable to share more information regarding this decision. '' This week, I asked for an update as the funds have not been released ( early XX/XX/2024 ) even though the transaction is not being disputed and never has been. 

They have informed me, they would withhold the funds for another 4 months without guarantee of releasing them. 

This is purely fraud and theft carried out by a major banking company. This transaction was legal, normal and my client still works with me, I know for a fact there is no dispute. WePay just stole this XXXX and refuses to give out any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: IL

Complaint narrative:
According to FCRA 605B, we have to get rid of the wrong stuff on my credit report. Can you check the papers to see if there are any mistakes? Some of the accounts listed are giving the wrong information about amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
I am writing to file a formal complaint against First Tech Federal Credit Union regarding a significant discrepancy in the APY rates promised and the actual rates applied to my rewards checking and savings accounts. 

In XX/XX/XXXX and XX/XX/XXXX, I opened First Tech Reward Checking and Reward Saving accounts, influenced by assurances from a First Tech Member Relationship Manager. The Manager assured me that both my rewards checking and savings accounts would receive a 5 % APY, with no conditions attached. Additionally, it was stated that for balances exceeding {$15000.00}, a 4.8 % APY could be achieved under certain conditions. These assurances were influential in my as well as through the First Tech app 's interface, I maintained a balance exceeding {$40000.00} since late XX/XX/XXXX. 

According to the information provided by First Tech employees and the app, I anticipated receiving a total interest of {$630.00} between XX/XX/XXXX, and XX/XX/XXXX. This was to be distributed as {$370.00} for my rewards checking account and {$250.00} for my rewards savings account. However, during my recent visit to the First Tech branch on XX/XX/XXXX, I was informed that my accounts were accruing a mere 0.01 % APY. This discrepancy has resulted in a considerable financial loss for me. 

Enclosed with my previous communication to First Tech were documents corroborating my discussions with the Manager, confirming the promised APY rates for each transaction. Screenshots from my account indicating a 5 % APY were provided. Additionally, during conversations with XXXX XXXX XXXX representatives about XXXX or ACH issues, it was reiterated that my reward checking account would only yield 5 % APY for up to {$15000.00}. The recording could be found under my phone numbers and my SSN and account.

Certainly, here 's a revised version of your message : I have furnished XXXX XXXX with all the necessary details, including the aforementioned information, screenshots, and the receipt, and have formally lodged my complaint. Despite this, First Tech contacted me to decline my appeal for the restoration of the originally guaranteed 5 % APY interest rate. I sought a written justification from First Tech during and subsequent to our conversation ; however, I was not provided with one. Instead, I was given the contact details for the First Tech Legal Team. My request remains straightforward : I urge the reinstatement of the 5 % APY interest rate as initially assured by First Tech Federal Credit Union.

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 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Intermex Wire Transfer, LLC
State: NJ

Complaint narrative:
Yesterday I received a video call on XXXX, I was an adult woman, the mistake was answering the video call. After an hour of telling me that he had talked to a minor and harassing me like a XXXX, he asked me for money if I wasn't going to post my photos from the video call because he tried to capture photos of me in the video and edited it with other photos. She and her accomplices threatened me and I made the transfer to the person who is in XXXX, XXXX XXXX, it was XXXX dollars and I tried to go to the XXXX store to cancel the shipment but they told me that today, XX/XX/XXXX, I should return to the store to recover my money. I was confident that they would return my money but unfortunately the scammers had withdrawn the money, what worried me was that the girl at the shipping store told me that she had made the cancellation and that the bank was going to track it like this. I want to submit that report so that the bank responds and returns my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CL Holdings LLC
State: DC

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
delete these accounts and remove the late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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:
delete these accounts and remove the 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 2024-04-09 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: NE

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 



Sincerely, 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 2024-04-09 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: TX

Complaint narrative:
I have not authorized these inquiries, and they have nothing to do with my financial activity. I want my credit report to be immediately updated with their removal.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: OH

Complaint narrative:
My LexisNexis credit report shows XXXX auto policy lapses, XXXX reported by XXXX XXXX ( POL  : XXXX, started XX/XX/XXXX, cancelled XX/XX/XXXX ) and other by XXXX XXXX XXXX XXXX  ( POL  : XXXX, cancelled XX/XX/XXXX ). However I had insurance from XXXX XXXX and this is not reflected in my credit record. Policy # XXXX : XXXX Policy # XXXX : XXXX Kindly update my credit report to reflect the continuity of policy, including the omitted policies. 

On XX/XX/XXXX, I provided driver 's license and utility to verify identity. 
On XX/XX/XXXX, I provided the official declarations page from XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up email to LexisNexis ( XXXX ) to enquire about the case status. 

I have not heard back anything. Moreover, the incorrect information has not been corrected. 
Kindly look into the matter. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I requested for XXXX, XXXX and TransUnion to update my personal information, as of this date they have failed to do so.

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 2024-04-09 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: IN

Complaint narrative:
I requested for XXXX, Equifax and XXXX to update my personal information, as of this date they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This company is trying to collect in a state in which they do not have a license in per XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, Attached is a letter I received back in XXXX of 2023 from Dovenmuehle as it relates to unclaimed property for Loan # XXXX ( property address XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I followed the instructions in the letter but the unclaimed property check for {$1000.00} was mailed to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
I never received these funds. I reached out before XXXX XXXX 2023 to get a new check issued to my new address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). I was told this was corrected and a new check would be sent out. 
I still never received a check from Dovenmuehle. I called multiple times with no one able to tell me the status of my unclaimed property. 
Eventually I spoke with someone from Dovenmuehle who said the unclaimed property was sent to the State Of Maryland ( fantastic ).

I then contacted the Unclaimed Property Division in Maryland and I sent them the attached letter.

The Unclaimed Property Division in Maryland is stating they have NO record of any funds related to this account or my name in their system.

If the State has not cashed the check can it be cancelled and a new check sent out to me with my new address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX )? 

If that can not happen, please coordinate with the State of Maryland directly and confirm with them that they have my unclaimed property and that it is under my name and that I can claim it. 

Again, this process has taken almost a year and the State is saying they have nothing under my name and this property/ account as it relates to unclaimed property.

Call me or email me if you have any other additional questions. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
Delete this non XXXX  to compliant account because of FCRA regulations violations pursuant to 15U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I originally disputed the information in XXXX of 2023. I spoke with the company and they told me that it should not have been reported as late and it would be fixed. XXXX said the company never corrected the information. I called again and requested a transcript of my payments which confirmed that I was never XXXX, XXXX, or XXXX  days late. They again said they would investigate. Nothing happened. I recently had the opportunity to purchase a home for under market value but it needed to be done in a timely manner. When the lender pulled my credit the negative hit from Westlake financial was still there and prevented them from moving forward. They told me to take care of it.

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 2024-04-09 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Contacted all companies that I have related inquiries with. All companies responded that Inquiries are factual data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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