vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I requested a {$100.00} one-time XXXX payment from MoneyLion. I have used this service a few times in the past and have never had issues. On XX/XX/2022 when I attempted to utilize this service for {$100.00}, it showed that the money had been deposited into my account with them. However, it never became available for me to withdraw. You can not reach these people via phone and attempting to message them is XXXX on earth. After messaging them on XXXX for days, they still said I had to pay them back even though I never received my {$100.00} from them - so they technically are stealing my money for this transaction. I asked for this XXXX request to be cancelled but they only said they could extend the payback date by 14 days instead of on XX/XX/2022. I do not have any issues paying it back, I just dont want them stealing my money and I want nothing to do with this scam of a company after this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CarMax, Inc.
State: GA

Complaint narrative:
Carmax continues to violate my Federally protected consumer rights. These violations have caused hardship and distress upon my estate, to my reputation and to me personally. I have attempted to settle this matter without taking legal action and this is my final attempt. In XX/XX/2021, I sent a cease and desist letter and Carmax has since committed several violations of my rights stated in the letter. 

In this letter, I requested validation of the alleged debt via audit trail, pursuant to 5 USC 552 a ( d ), which states : ( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; Carmax has failed to validate this debt with the original creditor. They have failed to present the original source of funding for the consumer credit transaction. 

In this letter, I also directed Carmax to remove any derogatory remarks to my consumer report. Attached you will find 2 screenshots : the first one, they zeroed out my account. In the second one, they report that the debt is charged off as bad debt and that the dispute has been resolved. That is false and harmful to my reputation. This is also a violation of 15 USC 1681d. 

As stated in a previous complaint, and Carmax also authorized and released my private location information to a third party, who attempted to steal my property and threatened that more people would come to my home to attempt to do the same. This is a violation to my privacy and to my safety and to the safety of my family. 

This is just a few of the violations committed by Carmax that have caused me harm. These violations are willful and malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I bought a 2021 XXXX XXXX in XXXX of 2021. XXXX XXXX has the loan on it and I have made all monthly payments to date. XXXX will not report this to the credit bureaus and as a result it has and continues to have a negative impact on 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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Ive written to inform Comenity/XXXX XXXX XXXX  and requested a change of status on my credit report for a 30 day late payment for {$70.00} with all credit agencies that was reported to, it was false information due to a mistake made on their part in their system that was explained to me on XX/XX/2022 when I called and spoke with the representative about this matter he explained to me that it showed me being late but that it should not be because I was entered into a program that closed my account in XXXX, 2022 and put me on new scheduled payment arrangements with no interest and a new payment of {$34.00} with the first payment starting in XXXX on the XXXX and my first payment was made on time and that at that moment I was actually current with no payment due until XX/XX/XXXX, I was not made aware of any unpaid balances or past due payments due at the time of closing out with the new payment arrangement, I have always for years made good on my account to avoid any negative reports on my credit, it was explained to me that it was a mistake on their part due to the changes but that it was too late to stop the negative report that had been made but that he would make notations and that I should dispute with the credit agencies and that by my next payment due in XXXX their system would have updated my account and corrected my status from having a past due amount and late over 30 days, Ive been unsuccessful in getting the dispute corrected on my own directly with the credit agencies so Ive written this request directly to ComenityXXXX XXXX XXXX to correct these negative reports on behalf of the information that was provided to me, Ive since then called comenity multiple times and was told that my account was current! I even made payment early for XX/XX/XXXX scheduled payment of {$34.00} and now theyve just recently reported a second 30 day late for the month of XXXX which has been paid and satisfied before the due date of XX/XX/XXXX, so now I have two 30 day late payments for XXXX and XXXX that are incorrect and no one seems to be taking the initiative to correct this matter that has gotten worse from 30 days past due amount of {$70.00} and {$100.00} in XXXX to now another reporting to the credit bureau that Im 30 days late again for XXXX! Before these incorrect negative reports My credit score was over 700, these mistakes made on behalf of ComenityXXXX XXXX XXXX has taken my credit score down to the 500s instead of them correcting the XXXX report somehow they have submitted another negative report for XXXX which is all false reporting That has impacted my status with all credit agencies as negative tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
my car was totaled and I still owed money on the loan at the time of the claim. My car insurance and GAP insurance paid the remaining balance. This company is still reporting a negative remark on my credit and I want it removed. I've tried numerous times to get this resolved but have been unsuccessfull to get in contact with anybody.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
my car was totaled and I still owed money on the loan at the time of the claim. My car insurance and GAP insurance paid the remaining balance. This company is still reporting a negative remark on my credit and I want it removed. I've tried numerous times to get this resolved but have been unsuccessfull to get in contact with anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
my car was totaled and I still owed money on the loan at the time of the claim. My car insurance and GAP insurance paid the remaining balance. This company is still reporting a negative remark on my credit and I want it removed. I've tried numerous times to get this resolved but have been unsuccessfull to get in contact with anybody.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase credit card closed my account and took over {$1600.00} out but a remaining balance of {$140.00}. I have had the card set for auto pay for the minimum amount due and they used that pre authorization to take an amount NOT authorized. I was also not made aware that such a large sum would be taken from my account. It overdrew my account and CHASE has not giving me further information to understand what happened nor will they refund the excess amount they took. I did not authorize such a large payment therefore they fraudulently used my authorization for the MINIMUM payment set to autopay. I spoke to at least 4 people at chase that kept telling me the money would be back in 48 hours, then 7 days and then they said it was denied with no explanation as to why. This is unprofessional and extremely concerning for their business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been receiving calls from Legal aid. They said that there is a judgement pending against me. No court paper work has been filed. I have spoken to someone and they state that I owe a credit card company a total of {$14000.00}. I can settle for {$6400.00} or payment plan from the amount of {$14000.00}. If I do not answer within 24 hours I will be sued, they will put a lien against my car, my home if I have one. I have checked my credit report and there is nothing on there stating anything. I have also called the credit card company with account number that was given to me by XXXX XXXX and the person I spoke with could not find anything. I received an email from XXXX XXXX XXXX XXXX so that I can put my credit card information to pay {$6400.00} and sign.

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 2022-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my name is XXXX XXXX I was like on a dating app call XXXX  and XXXX also XXXX  I got match to a person who pretend to be a girl they send fraudulent check mail to me and sent to my bank direct deposit I saw the money thinking it was a good check turn out that it was a bad check coming from a different country the bank told it was from XXXX XXXX I got my bank closed down know I'm trying to get a new bank because I start work on the XXXX of XXXX and I need money to help me move out of my mom 's home can you please please help me I need all the help I can get from being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XX/XX/XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello so on XX/XX/XXXX I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX  and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc.
State: MN

Complaint narrative:
I used to have an account with MoneyLion. I have since closed my account.

Since closing my account, I have received several emails, both advertising additional products and updating me about how the terms and conditions " of my account '' were changing. These emails offers no way to unsubscribe.

When I called MoneyLion, they confirmed that I do not have an account with them, but told me that they were unable to delete my email address or my personal information ( birth date, social security number, etc. ) or unsubscribe me from emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$390.00} US DEPT ED XXXX Balance : {$2100.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$35000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$2200.00} XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$4600.00} US DEPT ED XXXX Balance : {$2400.00} USDOE/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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