vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, a letter was received from XXXXXXXX XXXX indicating that CARMAX Auto XXXX XXXX XXXX, located at XXXX XXXX XXXX. XXXX XXXX, TX, was contemplating extending to the recipient a credit sale or lease of an automobile or another product. The letter requested that XXXX XXXX  accept the obligation. The recipient, having no prior knowledge of the letter 's contents, contacted XXXXXXXX XXXX  on XX/XX/year>, inquiring about its origin. It was established that the recipient had not applied for anything with CARMAX XXXX XXXX, nor had they visited the local store. Following the inquiry, XXXXXXXX XXXX sent a letter dated XX/XX/year>, responding to the recipient 's request for the removal of an XXXX XXXX credit inquiry from their credit report. The bank suggested that the recipient contact the Finance Manager at XXXX XXXX XXXX XXXX TX at ( XXXX ) XXXX, as well as all Credit Reporting Agencies , to report potential 'fraud ' or 'identity theft '. Additionally, the recipient reported the incident to local law enforcement and submitted an Identity Theft Report to the Federal Trade Commission. Two weeks ago, the recipient visited CARMAX but has not received any updates or further information. Despite their attempts to contact the company, they have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
in XX/XX/2022 i upon reviewing my bank statement online i seen alot of transactions that were made unauthorized transactions i reported this to bank of america over XXXX times and tried to get this resolved but no luck all they did was close my checking account and and they opened up a credit card without my consent and never gave me back my money for all the fraudulent transactions made on my checking account I've tried to solve this by contacting them and they gave me a XXXX number that said they can help but all they said was they have referred my matter to the fraud department and will contact me as soon as they resolve this its beem so long now that ive given up i dont know what to do but all together im my checking account they stolen almost XXXX that ive seen on what bank statements i have they refuse to semd me all my statements as well this is a nightmare can you help me please

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 2024-03-26 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: NC

Complaint narrative:
Transunion never sent any updates by mail or email. Transunion never updated incorrect personal information last name addresses. Under the Fair Credit Act 15.6a I'm requesting all original documents Transunion used to verify and update XXXX XXXX XXXX XXXX XXXX XXXX Transunion needs to do a better job at customer service, I've been trying to get in contact with a person for the last month no response. XXXX XXXX XXXX XXXX XXXX XXXX and corrected my personal information.

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 2024-03-26 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: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, 2 XXXX XXXX  XXXX Accounts Ending in XXXX and XXXX XXXX XXXXXXXX Account Ending in XXXX, Has violated my rights. 

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 as a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2024-03-26 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: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, 2 XXXX XXXX XXXX Accounts Ending in XXXX and XXXX XXXX XXXXXXXX Account Ending in XXXX, Has violated my rights.

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 as a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
I noticed an unauthorized hard inquiry listed under my name. I have no recollection of authorizing this inquiry nor do I have any existing or prior relationship with the aforementioned creditor.

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 2024-03-26 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: NV

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-26 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: GA

Complaint narrative:
How can the original creditor report XXXX different " Date Last Active '' dates on my credit report. This is INACCURATE reporting. Please delete this account asap 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 2024-03-26 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: Continental Finance Company, LLC
State: OH

Complaint narrative:
This is concerning my XXXX credit card I've spoken to the company or several different occasions 30 days ago now I've placed a fraud case towards my card I let the representatives know that I've only used my card once to make for sure it work the other charges I did not make I receive a letter in the mail XX/XX/XXXX. Spoke to a representative XX/XX/XXXX the representative told me that my card balance would be restored on XX/XX/XXXX th. My balance has not been restored I'm receiving different pieces of information from each individual I speak to I am not going to pay a credit card bill for charges that I did not inquire. I spoke to a representative by the name of XXXX extremely rude of course I've been dealing with this battle for over 30 days roughly a month and a half I'm frustrated this guy tells me that I can not cuss he can not give me his employee ID number not even a last name nor was I able to speak to a supervisor. Everyone I speak to wants to constantly transfer me over to other individuals who are not willing to help in this case and matter.

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 2024-03-26 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: TN

Complaint narrative:
An unrecognized, possibly fraudulent account has been added to my credit report by XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX MI XXXX. The account is a XXXX XXXX XXXX  card with a balance due of {$1500.00}. I dispute that this debt is mine and that it is within the valid time frame to remain on 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 2024-03-26 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: TN

Complaint narrative:
An unrecognized, possibly fraudulent account has been added to my credit report by XXXX XXXX XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX MI XXXX. The account is a XXXXXXXX XXXX XXXX card with a balance due of {$1500.00}. I dispute that this debt is mine and that it is within the valid time frame to remain on 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 explanation
Consumer complaint received 2024-03-26 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: NC

Complaint narrative:
There are unauthorized inquiries on 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 explanation
Consumer complaint received 2024-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2024-03-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are unauthorized inquiries on 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 explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent an extreme amount of letters and they refused to follow my consumer writes I have ask them over and over for them to follow law and stop obstructing my credit reports As to 15 usc 1681 B. These companies do not have permissible purpose of my consumer reports In accordance I never gave written instructions to them to violate my privacy at all Time XXXX  ask them for any information in writing and they laughed and said those laws are not real XXXX. 
Please help me have them remove these accounts 15 usc 1681 N I also invoiced them {$1000.00} per violation in which there are XXXX negative violations and also XXXX hard inquiries I gave no one permission to permit They have not removed nor paid as these laws states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
Experian Dear Sir or Madam, Re : Report Number : XXXX I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. THIS IS MY FINAL REQUEST. 
I submitted a dispute on XXXX and on XXXX I received unfavorable investigation results. 
XXXX. Account Name : U S DEPT OF EDXXXX Account Number : XXXX Balance : {$3100.00} You claim that the account was updated verified after your dispute yet under the payment history you have ND ( which per my understanding is NO DATA for XXXX  MONTHS. Why is the data missing? Why is this incomplete? Who verified this? 
Remove this 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 2024-03-26 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: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account XXXX : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.

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 2024-03-26 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: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.

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 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd
State: SC

Complaint narrative:
Had a wise transfer money account they closed it and I wan na activate it again my old account as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: GA

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. 

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 XXXX 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 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp
State: MA

Complaint narrative:
I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I also filed a police report. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
The company sent me information to my home address stating I owe them. I never heard of this company nor do I owe them. I requested for the original contract with my signature, how they came up with this total and the dates of the contract and they have failed to provide me with the information.

Company response to consumer: Closed with explanation