vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CarMax, Inc.
State: LA

Complaint narrative:
I was sent an adverse action from CARMAX INC on XX/XX/XXXX. I in good faith applied for a XXXX XXXX XXXX and was denied. My credit card was used and I received no benefit which is an unauthorized use of a credit card. Pursuant to 15 USC 1602 ( f ) credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I exercised my right and was denied. They are in violation of 15 USC 1681 ( a ) ( 3 ). They are also requiring a down payment which is a violation of 15 USC 1605 ( a ) which states the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So no cash should be required for a consumer credit transaction. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LA XXXX CARMAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : ADVERSE ACTION Dear CARMAX INC I , the consumer and natural person, was denied credit by CARMAX INC when I applied for a XXXX XXXX XXXX XXXX # XXXX. 
Adverse action is AGAINST THE LAW according to the EQUAL OPPORTUNITY ACT which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692k.

You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by CARAX INC due to the response I received. 
CARMAX is in violation of 15 USC 1691 ( a ) ( 3 ) because I the applicant exercised my right to extended credit in good faith. 15 USC 1602 ( f ) states that credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I am the creditor per 15 USC 1602 ( g ). 
Per 15 USC 1602 ( l ) my social security number ( credit card ) was used. I received no benefit from this consumer credit transaction which is an UNAUTHORIZED USE violation pursuant to 15 USC 1602 ( p ). This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CARMAX INC.

If CARMAX INC fails to make any fair and equitable procedures to resolve and remedy this matter and compensate me for the use of my credit card, I will indeed make CARMAX INC criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ).

I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
The loan serviced by Carrington mortgage service was under covid forbearance from XX/XX/XXXX until XX/XX/XXXX. I was discussing several options of how I might go out from forbearance during XXXX, unfortunately because of covid it was not possible. 

By the end of XX/XX/XXXX I got a letter from Carrington that my forbearance had reached the maximum and that I should contact them. I called them sometime in the beginning of XXXX and have asked for a typical covid repayment plan, like flex modification option or deferral since the loan is owned by XXXX XXXX 

Instead I was told that I can not get those covid modification options and that have to order and fill out a full loss mitigation application as well as proving documentation and proof of income etc which is a very difficult task for me since I am self employed. 

This has brought the situation that I am now at risk of losing this home to foreclosure ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NJ

Complaint narrative:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score/report and needs to be looked at 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 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: MI

Complaint narrative:
Carter young inc has reported on all 3 credit reports of mine that I owe XXXX dollars for an account that I have stated and sent in proof numerous times that it is not mine. The collections amount is over XXXX dollars for a student apartment my daughter rented when she moved out she sublease apartment to another college student which was approved neither of us is any longer responsible we were told that by the company. I have called numerous times and this has not been fixed. The company the villas assured us this would not go into collections if we found a subleaser. Also calling Carter young I was hung up on twice told they would not send a copy of documents and threatened to be sued which is according to my rights illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
The credit agencies have been reporting inaccurate information on my credit report. 

15 U.S.C. STATES 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

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. 

ALSo THE CREDIT BUREAUS TOOK MORE THAN 30 DAYS TO COMPLETE MY INVESTIGATION. HERE IS MY CERIFIED MAIL TRACKING NUMBERS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent letters to credit bureaus on XXXX XXXX. I have yet to have received a investigation nor received any results in my mail. I've contacted furnisher for updates also.

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 2022-09-13 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: NY

Complaint narrative:
The credit agencies have been reporting inaccurate information on my credit report. 

15 U.S.C. STATES 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

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. 

ALSo THE CREDIT BUREAUS TOOK MORE THAN 30 DAYS TO COMPLETE MY INVESTIGATION. HERE IS MY CERIFIED MAIL TRACKING NUMBERS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent letters to credit bureaus on XXXX XXXX. I have yet to have received a investigation nor received any results in my mail. I've contacted furnisher for updates also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I called Equifax 2x in regards to 2 different cases where someone else applied for XXXX XXXXXXXX bank, fraudulent activity that wasn't from me. It ultimately brought down my score a significant amount. The first call I explained them the situation and got hung up on. The second time was similar. The 2 hard inquiries were both from XXXX  XXXX, one was on XX/XX/XXXX and the other one was XX/XX/XXXX. Equifax did absolutely nothing to help my fraud case please help. Equifax is in clear violation of 15 U.S. Code 1681, ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
My credit report has been placed for identity theft and frozen long time ago. My credit report info was on the XXXX web and is still trying to remove transactions that are not mine. They keep calling my number about an account I do not owe or own!! They will not stop calling after, I told them to stop calling or I will have to sue them for phone stalking and lying about their identity. I found what their real company name was on the internet using their phone number ( XXXX ) XXXX. I do not have any paperwork from them stating I owe anything, and they are not on my report. They told me it was student loan debts, and I was behind. My loans are in default since XXXX and never late. Please have this company to stop bothering me and delete whatever debt they are trying to collect from the on the behalf of another company that sold them a XXXX on a XXXX  contract they believe is mine without sufficient evidence. like I said my reports are frozen and I can't see them online. So, if they did put something on there have them to delete it. 

Credence Call dates/ Times XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: CA

Complaint narrative:
The XXXX accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-09-13 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: CO

Complaint narrative:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2022-09-13 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: CO

Complaint narrative:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Two separate E-Mail request/notifications received that {$600.00} will be " automatically be deducted '' from my PayPal account XXXX dated XX/XX/2022 and XX/XX/2022 from an E-Mail address # XXXX and another from " XXXX XXXX XXXX XXXX ) '' with a telephone contact number to reply. I DID NOT MAKE ANY SUCH TRANSACTION and called the E-Mail senders contact telephone number ( XXXX ). The contact telephone was only a scam to get more of my personal information. Upon trying to research a legitimate telephone number none was listed for XXXX XXXX XXXX XXXX Many many years ago I had an account with PayPal. Paypal Company should not use my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Revenue Corporation
State: CA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX charged {$1200.00} information don't match up with all credit bureaus Hippa violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I summited a complaint to Capital one dispute charge on XX/XX/2022 for a transaction with XXXX where a purchase was made on XX/XX/2022 for XXXX because I wanted a refund on this item. 
I sent numerous emails to the company pertaining to the returned item and it was sent shipped back XX/XX/2022 and received on XX/XX/2022 I never got a response from the company until XX/XX/2022 after I filed a dispute with Capital one for the refund. 
I was under the assumption that I wasnt going to receive a refund due to other customers problems with this company and Im on limited income due to a XXXX so I asked Capital one to reverse the provisional credit due to that face alone for the merchants amount of XXXX that was credited to me. 
I feel this is a unethical company due to other customers problems buying on this website.I asked Capital one to reverse credit due to these findings alone and feel this credit should not be debited for this transaction due to my circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
Waypoint Resource Group is attempting to collect a debt that was charged off by the creditor. I received a letter demanding payment or my credit would be affected if not paid. Waypoint sent me a deceptive form as if the creditor was attempting to collect the debt. This is untrue. The creditor states the alleged debt was charged off XX/XX/2021. I spoke with several reps from Waypoint who assured me this was untrue and the debt was not charged off. That the creditor was still trying to collect. They lied. The letter received by Waypoint had the companies symbol which indicated that they were indeed a debt collector. In the letter they also stated I owed a debt and listed an amount of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: GA

Complaint narrative:
I sent a letter to experian on XX/XX/2022 which I will include copies of with this complaint. They refuse to tell me how they verified the bankruptcy which I have the legal right to know how. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), Contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. i have yet to receive any proof from person that is reporting on my consumer report. Failure of doing this can be a cause of identity theft because anyone could be using my social security number and selling my information without my consent. So since they refuse to tell me how they verified this bankruptcy I am demanding it be removed unless they can show how they verified it. An automated system response is not physical verification.

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
on XX/XX/XXXX i book a hotel and paid with my XXXX XXXX  card, i call the hotel to cancel, res was made XXXX : ..XXXX  and cancel XXXX 3 hrs later. It was well within their cancellation policy, The hotel even said if it was cancel within 24 hrs they honor it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
CASH CARD ( XXXX ) CLAIM AMOUNT : {$1.00}, XXXX On XX/XX/22 i reported to CASH APP, I found out in my CASH APP account had : _ 9 unauthorized transaction ( documents included ) On XX/XX/22 CASH CARD denied my dispute claim # XXXX with reason " card present purchase '. After review the statement i found out more 7 unrecognized transaction on this list : XX/XX/22 : {$49.00} XXXX/XXXX22 : {$28.00} XX/XX/22 : {$75.00} XX/XX/22 : {$110.00} XX/XX/22 : {$19.00} XX/XX/22 : {$39.00} XX/XX/22 : {$180.00} ( not received package ) XX/XX/22 : {$180.00} ( double charged ) On XX/XX/22 i have XXXX and have to stay in hospital  XXXX from XX/XX/22 to XX/XX/22 ( have hospital  record included ). 
i am writing to dispute a fraudulent ( {$130000.00} fraud transaction on my debit card number XXXX ). i am a victim of identity theft, and did not make all transaction from XX/XX/22 to XX/XX/22 because i am in hospital at that time. 
One more thing, why cash app deactivate my card with no reason????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal they also violated my rights under 15 U.S.C 16 & 1 section 602 A. states I have the right to privacy 15 U.S.C 16 & 1 section 604 A section " ; it also states a consumer reporting agency can not furnish a account without my written instructions

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