vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc.
State: FL

Complaint narrative:
I Consumer XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CarMax Auto XXXX, XXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash, but CarMax Auto XXXX XXXX took cash. The Finance charge is suppose to include insurance, but CarMax Auto XXXX made purchase Separately. 

XXXX XXXX DEPARTMENT HELPED XXXX XXXX XXXX RECOVERY REPO MY VEHICLE ILLEGALLY FROM XXXX XXXX XXXX PARKING LOT VIOLATION 15 USC 1692 E ( 5 ) & 15 USC 1692 D ( 1 ) & 15 USC 1692 F ( A ) & ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advance America, Cash Advance Centers, Inc.
State: WA

Complaint narrative:
The fraud on this account was committed by XXXX XXXX XXXX who I don't know. It is illegal to put a XXXX loan on any credit bureaus, which has negatively impacted my credit report. I have a right to sue under these rights. You see I am a XXXX combat XXXX time XXXX veteran, and I had problems with my identity being used from 2006 to present even with the credit freezes via the dark web. 

It is illegal as well as improper for XXXX to put inaccurate information on my account, which I stated should be deleted from all related credit bureaus, which there is four, but the average american only knows the basic ones. It is predatory lending practices who likes to take advantage of people like me, and who would give XXXX loans to anyone who could use any of my information online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
We purchased a car from XXXX XXXX XXXX XX/XX/17 santander consumer usa underwriting dept approved the loan knowing it was not legitimate on the dealerships end. The paperwork was never signed by the seller the dealership which it clearly states if not signed by seller the loan is not valid. The mileage on all of the documents was changed it shows XXXX ish miles when the car had over XXXX. The loan was and is a predatory loan. I have contacted me our attorney general and filed a compliment on here before. When the company had to settle a lawsuit they never included us even though we had defaulted at least 2 to 3 times during the required time frame. We would like the car written off and the loan showed as paid on our credit report and the signed tile free of their lien sent to us as we have continued paying on a loan that was never valid due to the dealership not signing the documents and changing milage and the loan being a predatory on subprime borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My Chapter XXXX bankruptcy order dismissing the case was filed by the bankruptcy judge XX/XX/XXXX. On XX/XX/XXXX it was approved that the chapter XXXX case be statistically closed. I filed Chapter XXXX bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I was approved for an auto loan in XX/XX/XXXX by a dealership lender & I traded-in and bought another vehicle in XXXX XXXX & financed this auto loan with my personal credit union bank. In XXXX XXXX, I was denied for a credit card by my credit union for an active chapter XXXX bankruptcy even though they pulled credit 2 months earlier & no saw no active bankruptcy. They said they were using a new credit reporting company and they needed proof of it being discharged. The same day I emailed copies of the judge 's orders and was approved right after. This was a first this had been brought up and assumed they had just made a mistake, so I didn't think much about it until now. XX/XX/XXXX I applied for a store credit card and received an email the next day notifying me that I was denied for active bankruptcy. Now, I have to physically mail a dispute letter, my proof, and then wait weeks for this to " hopefully '' get corrected. What shocks me even more is that I currently already have two other open credit accounts with this same bank and my pervious XXXX auto loan. I pulled all three credit reports and I seen it was reported to one credit reporting agency as " Filed '' and immediately filed a dispute with that credit agency. Within my report it states they receive their bankruptcy information from a furnisher, XXXX. I have called the bankruptcy automated info line and confirmed it states both cases are dismissed/discharged. How after 4 years since a dismissal can this all the sudden be reported as active on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company told me that they would delete these two fraudulent credit card accounts from my credit report, one business and one personal, from Capital One bank. I sent this company the police report which confirmed identity theft multiple times and they still are reported these account on my XXXX credit file. This is defamation of my character and a violation of my rights. These two fraudulent accounts, and the four credit inquiries from Capital one and capital one auto finance need to be deleted from my XXXX credit report for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
XXXX is reporting I was late 30 days on my vehicle loan for the month of XX/XX/2021. I disputed the error and the late payment still remains. Dispute results state the creditor certified the information was correct. I do not understand how that could be if I was never 30 days late on my payments. 

The account being reported incorrectly is Credit Acceptance. The month I paid off my loan ( XX/XX/2021 ) is when they reported the alleged late payment.

I tried contacting Credit Acceptance and they can not tell me why it is reporting late and told me my account had no late fees assessed. They did provide me a copy of my payment history which I can provide to you.

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company told me that they would delete these two fraudulent credit card accounts from my credit report, one business and one personal, from Capital One bank. I sent this company the police report which confirmed identity theft multiple times and they still are reported these account on my XXXX credit file. This is defamation of my character and a violation of my rights. These two fraudulent accounts, and the four credit inquiries from Capital one and capital one auto finance need to be deleted from my XXXX credit report for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I sent this company a police report and they are still reporting this fraudulent account on my credit report that doesnt belong to me. This needs to be deleted from my credit. Please show validation of debt, and show proof of contract, who was there to witness this contract being signed? This account is not valid and identity theft. This is defamation of character. I will pursue charges of {$150000.00} for defamation of character and negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: CA

Complaint narrative:
Experian is reporting I was late 30 days on my vehicle loan for the month of XX/XX/2021. I disputed the error and the late payment still remains. Dispute results state the creditor certified the information was correct. I do not understand how that could be if I was never 30 days late on my payments. 
The account being reported incorrectly is XXXX XXXX. The month I paid off my loan ( XXXX ) is when they reported the alleged late payment.

I tried contacting XXXX XXXX and they can not tell me why it is reporting late and told me my account had no late fees assessed. They did provide me a copy of my payment history which I can provide to you.

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX not XXXX XXXX. I sent in court documents

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 2021-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Card Was paid in full on time I cant disclose it still showing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Card Was paid in full on time I cant disclose it still showing

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX NOT XXXX. I HAVE PAID FOR XXXX TO GET REMOVED. IVE SENT IN DOCUMENTS AND THEY ARE SENDING THE WRONG NAME TO MY CREDIT AGENCIES. IVE SENT THEM MY SOCIAL STATING CORRECT NAME AND SENT IN COURT DOCUMENTS AND STILL THEY ARE SENDING MY INFO WITHOUT MY PERMISSION AND REFUSES TO CHANGE AND REMOVE XXXX. THEY REFUSE TO LOOK AT MY DOCUMENTS AND KEEPING A FRAUD LAST NAME IS ILLEGAL AND SENDING MY INFORMATION TO OTHER CREDITORS UNDER A FALSE NAME IS ILLEGAL. IM SENDING MY ACCURATE DOCUMENTS 1 LAST TIME HERE. THEY REFUSE TO REMOVE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX NOT XXXX. I HAVE PAID FOR XXXX TO GET REMOVED. IVE SENT IN DOCUMENTS AND THEY ARE SENDING THE WRONG NAME TO MY CREDIT AGENCIES. IVE SENT THEM MY SOCIAL STATING CORRECT NAME AND SENT IN COURT DOCUMENTS AND STILL THEY ARE SENDING MY INFO WITHOUT MY PERMISSION AND REFUSES TO CHANGE AND REMOVE XXXX. THEY REFUSE TO LOOK AT MY DOCUMENTS AND KEEPING A FRAUD LAST NAME IS ILLEGAL AND SENDING MY INFORMATION TO OTHER CREDITORS UNDER A FALSE NAME IS ILLEGAL. IM SENDING MY ACCURATE DOCUMENTS 1 LAST TIME HERE. THEY REFUSE TO REMOVE 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 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
My bank card was fraudulently used and I filled out the fraudulently used papers I was finally sent after months of reporting the fraud. They finally sent papers I filed them out filed police report and sent back all paperwork and was told sorry no fraud was committed. When all the proof was there and I was told I would be reimbursed.a portion of my stolen money Within 10 days and was my money was never returned to my government account. My name is XXXX XXXX XXXX. My Ss number is XXXX. My address XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The Bank Is US Bank.

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
I noticed these fraudulent accounts on my credit report and I've disputed them several times with ECMC and XXXX  and they are still stating these are mine. The information being reported is fraudulent and inaccurate including dates, amounts and activity status. I lost my identity documents on or about XX/XX/XXXX including my drivers license and social security card. This is an unknown account. Someone tried to attend school in my name. It looks like XXXX have been PAID IN FULL on my report but they are still reporting as charge offs. I've been a victim of identity theft and even had my taxes garnished for over {$9000.00} because of this I now keep several precautions in place to keep this from ever happening again but I need this deleted. This is messing up my credit and I am a single mother of XXXX who has struggled through the covid-19 pandemic to try to become and homeowner and this is holding me back. I have good credit, please delete these 5 fraudulent XXXX  balance accounts immediately. Thank you. 

Account Opened Amount ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$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 explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I mailed out a certified letter to SEQUIUM ASSET SOLUTIONS starting on XX/XX/2021, and allowed the 30 day window for collections agencies to respond to disputed collections, they failed to respond to my request in its entirety, so I followed up with another request allowing them an additional 15 days to respond and again they failed to respond, to this day I have received no communication from the company but yet they are still reporting invalid information on my credit reports from all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover had approved me for a credit card in early XXXX of 2020 and then it took about one month before they even cleared me to use the card. I went through all kinds of process, tax return, identification verification, and etc. All to which started to use the card aroundXX/XX/2020 and then within 1 week the card is closed by the grantor for what reason I still dont know. To top it off the are harassing me for the {$1300.00} back on the card and didnt even use but about {$380.00} dollars worth of credit. Please help me out with getting this off my credit because it is causing me Extreme Financial Hardships.. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX ( cellphone ) XXXX ( email )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX an EFT via a debit card transaction thru VISA was authorized to a merchant known as XXXX XXXX XXXX in the sum of {$540.00} in settlement of a reversionary security interest, under duress by a former XXXX  in XXXX XXXX, Wi. The EFT was not cleared until XXXX XXXX, by Wells Fargo Bank, both the VISA debit card issuer and acquirer bank according th a VISA Financial Advice report in XXXX. 
But for the late processing of this EFT, the depositor was arrested and was in a Florida jail for 5 days on XXXX XXXX. Realizing that the depositor authorization under Regulation E the EFT, Wells Fsrgo Bank was subpoened on XXXX XXXX to produce documents. Wells Fargo Bank attorney, after being subpeoned on XXXX XXXX, stated the EFT was paid under Regulation E onXX/XX/XXXX. However due to a police incident report, closing this matter in XX/XX/, XXXX erroneously issued bench warrant for appearance and extradition to Wi.The false imprisonment due th Wells Fargo Bank mishandling for over 90 days and attested by Wisconsin Supreme Court was final paid on XXXX XXXX three days before the false imprisionment started.

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I noticed these fraudulent accounts on my credit report and I've disputed them several times with XXXX and Transunion and they are still stating these are mine. The information being reported is fraudulent and inaccurate including dates, amounts and activity status. I lost my identity documents on or about XX/XX/XXXX including my drivers license and social security card. This is an unknown account. Someone tried to attend school in my name. It looks like XXXX have been PAID IN FULL on my report but they are still reporting as charge offs. I've been a victim of identity theft and even had my taxes garnished for over {$9000.00} because of this I now keep several precautions in place to keep this from ever happening again but I need this deleted. This is messing up my credit and I am a single mother of XXXX who has struggled through the XXXX pandemic to try to become and homeowner and this is holding me back. I have good credit, please delete these 5 fraudulent zero balance accounts immediately. Thank you. 

Account Opened Amount XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$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 explanation