vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: CarMax, Inc.
State: DE

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against CarMax regarding their refusal to honor my opt-out request dated XX/XX/year>, in accordance with 15 USC 6802. 

On XX/XX/year>, I submitted a written opt-out request to CarMax, XXXX requesting that they cease sharing my nonpublic personal information with third parties & the consumer reporting agencies ; XXXX XXXX XXXX XXXX XXXX is my right under the provisions of 15 USC 6802. However, despite the clear and unambiguous nature of my request, CarMax has failed to comply with it. 

Despite my repeated attempts to follow up with CarMax regarding the status of my opt-out request, they have provided no indication that any action has been taken to honor my request. This non-compliance not only violates my rights under federal law but also undermines my ability to control the dissemination of my personal information. 

I have made diligent efforts to resolve this matter directly with CarMax, but their lack of responsiveness and disregard for my rights necessitates intervention from an appropriate regulatory authority. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that CarMax complies with federal law and promptly honors my opt-out request. 

Enclosed with this letter are copies of all relevant correspondence, including the original opt-out request submitted to CarMax on XXXX XXXX XXXXXX/XX/year>, as well as any subsequent communications between myself and CarMax. 

I appreciate your attention to this matter and respectfully request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action to ensure CarMax 's compliance with the law. 

Thank you for your prompt attention to this important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: OH

Complaint narrative:
Please verify and validate debt : 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 trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement.Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXX2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges.3.Clear documentation establishing XXXX XXXX XXXX to collect this debt.4.Copy of The DEBT Purchase AgreementI am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. XXXX, Equifax, XXXX, XXXXXXXX XXXX Please cease all collection efforts until this allegeddebt is validated as accurate and complete.Thank you for your cooperation in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: OH

Complaint narrative:
Please verify and validate debt : 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 trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement.Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXX2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges.3.Clear documentation establishing XXXX XXXX XXXX to collect this debt.4.Copy of The DEBT Purchase AgreementI am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. Experian, XXXX, XXXX, XXXXXXXX XXXX. Please cease all collection efforts until this allegeddebt is validated as accurate and complete.Thank you for your cooperation in this 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 non-monetary relief
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: FL

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 EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts 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. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: DE

Complaint narrative:
I am currently unemployed. I emailed the company on XXXX requesting to make a final payment to close my account. They would not agree to this payment. As of XXXX, I have made {$720.00} in payments for a {$800.00} loan. I requested a final payment of {$100.00} that would be made on 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 2024-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I got a letter in XXXX  stating that Santander Consumer USA reported to the IRS that I owed them a balance of {$15000.00} for a vehicle that i have the title for since XXXX. When I received the letter, my first thought was someone was trying to hack me, so I didn't respond. Here come tax year XXXX and my taxes are being taken for something that I already owned and have a title too. Santander have been trying to rip folks off for years, I have ready so many stories about cases they have going on for this same thing. They need to be dealt with, so that it wont happen to us citizens that's trying to make a living with the little that we have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
two orders were placed in my name through the affirm.com account. I called 14 times in the month of XXXX, and 11 times in the month of XXXX reporting and getting updates of the fraudulent activity. On XX/XX/XXXX I was told that an " unauthorized activity investigation '' had been opened and I would not be responsible for the unauthorized transactions. '' Since then Affirm has texted me, called me, emailed me, and refered my account to collections. Each time I have had any of the above contacts I have immediately called to verify that this matter was being investigated and that I was not held liable. Today I was contacted by Affirm 's collections department trying to collect the debt which the Affirm system had identify as delinquent. I was threatened with credit reporting action, and again, I verified that the accounts were from fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I have three hard inquiries need to be removed OneMain financial XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to NAVY FEDERAL CR UNION to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/ FTC Report XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards.

I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NAVY FEDERAL CR UNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NAVY FEDERAL CR UNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In late XX/XX/2023 there was a fraudulent charge on my Bank of America credit card. I disputed this charge with Bank of America and the charge was removed. A few days later the dispute was reversed and put back on my account as a charge. I did not receive any notification regarding this. I called and disputed the reversal on XX/XX/XXXX. The charge is still showing on my account. It is due for payment on the XXXX of XXXX which is Sunday. There is a claim for this on the Bank of America website stating that it is being researched. 

This is not the first fraudulent charge on this account. There was another in early XXXX that was rectified and a new account # and card sent to me. This card was immediately locked up in my safe. Then this latest charge happened and I was again issued a new account # and card. I put it in my safe. 

To add further complication to this. I discovered an email on my account contacts that was not mine. I reported this and the BOA employee found another user name attached to my account that was not mine. She deleted that profile and the email. 

I just want this dispute to be removed from my account immediately to avoid this charge being reported as past due to the credit bureaus.

I am extremely frustrated with Bank of America over this situation. It should not take them 6 weeks to correct my account especially given the erroneous user 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 monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: VA

Complaint narrative:
I, XXXX XXXX XXXX have been making consistent payments ( since XX/XX/2023 ) to XXXX XXXX XXXX  on my credit card account ending in XXXX. I have been trying my best to make payments to them, even if I don't have much money and this bank referred my account to a debt collector. This was an unjust referral to a debt collector because I have been making consistent payments to XXXX XXXX XXXXXXXX. Furthermore, XXXX XXXX XXXXXXXX never notified me that they will transfer this account to a debt collector to give me a chance to pay the full balance, or work out some other arrangement. I feel this was very unethical act on behalf of XXXX XXXX XXXXXXXX to transfer my account to debt collector, without notifying me and giving me a chance to work out other arrangements, and additionally, since I was making consistent payments on this account. I have attached the payments I have sent to XXXX XXXX XXXXXXXX since XX/XX/2023. The following company is to whom XXXX XXXX XXXXXXXX transferred my account to. 

Mercantile Adjustment Bureau , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX http : //www.mercantilesolutions.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one bank switched to a 3rd party for their bill pay, without notifying customers properly. Due to this, my property tax went to the WRONG address. They are unwilling to put this money back into my checking account so I can pay my PROPERTY TAX. I am a XXXX living on a fixed income. I do NOT have disposable income to pay this bill again. I've also incurred late fees. bill was originally paid on XX/XX/16 which is more than enough time for this to arrive on time. On XXXX, I received a Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana , stating that they received my payment in error. They deposited it, but realized the mistake. They contacted Capital One who took the money back, BUT they have not refunded MY MONEY to me, I have a copy of the letter I received from XXXX XXXX XXXX XXXX, along with the attachment they sent. I've spoken to 15 different people at capital one, both on phone and at a location. XXXX called me from Capital One telling me I am NOT the only one this has happened to. when they transitioned to the 3rd party for bill pay, these errors occurred with others as well. This is a BANK ERROR! I need to pay my property tax now. I am sick and tired of dealing with this. I'd like this resolved without going to an attorney or the media, but that may NOT be possible. Can you help me resolve this issue? I have the name of every person I spoke to. I also sent them copies of what I received from XXXX XXXX XXXX XXXX numerous times, to the email address they gave me ( XXXX ) both via email and at the branch I went to. This is causing a hardship to me, as well as much stress and XXXX I have lived in the same house for 20 years and would NEVER send my Property tax payment that I always pay to a XXXX, Texas address to another state. One dept. doesn't know what another is doing, or I am being blatantly lied to by all these people. they claim to NOT be able to see the attachments I sent which I also brought to the bank and they made copies at the location as well. I am so frustrated it is beyond words now. I am XXXX and stressed to the max and do NOT know what to do. I need help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I having been calling Transunion for four months because I can not access my credit report or score. When I try to access my credit report or score from any online platform, it send back an error telling me to contact transunion. Each time that I have contacted transunion ( a total of 3 times ), I am told that I have multiple reports in the system and a report is being done and sent to a specialist department. Each time, I have not gotten any feedback and the problem continues. I am in the process of trying to buy a home and even the bank can not access my transunion credit report or score. This is holding me back and as a consumer I should have access to all of my reports and scores. I want this issue resolved 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
id theft i never used this card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
two orders were placed in my name through the XXXX account. I called 14 times in the month of XXXX, and 11 times in the month of XXXX reporting and getting updates of the fraudulent activity. On XX/XX/XXXX I was told that an " unauthorized activity investigation '' had been opened and I would not be responsible for the unauthorized transactions. '' Since then XXXX has texted me, called me, emailed me, and refered my account to collections. Each time I have had any of the above contacts I have immediately called to verify that this matter was being investigated and that I was not held liable. Today I was contacted by XXXX 's collections department trying to collect the debt which the XXXX system had identify as delinquent. I was threatened with credit reporting action, and again, I verified that the accounts were from fraudulent transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2024-02-23 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: AL

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. 

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 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 non-monetary relief