vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute a derogatory mark on my credit report submitted by CarMax Auto Finance, which inaccurately reflects a XXXX late payment for XXXX [ Year ]. This report is both false and misleading, and I believe it demonstrates deceptive practices and bad faith on the part of CarMax Auto Finance. 

Here are the facts regarding this matter : XXXX. My XX/XX/year> payment was made on time, in accordance with the due date. 
XXXX. The late payment being referenced pertains to my XX/XX/year> payment, which was paid in XX/XX/year>. 
XXXX. Despite my timely payment for XXXX, CarMax Auto Finance has wrongfully classified it as late due to the XXXX payments timing. 

CarMax Auto Finances reporting conflates XXXX distinct payment periods, unfairly impacting my creditworthiness. This action not only violates principles of fair reporting but also undermines consumer trust. I believe this reporting constitutes an attempt to penalize me for a past situation that has no bearing on my timely XXXX payment. 

To resolve this issue, I respectfully request the following : 1. **Immediate removal of the incorrect late payment entry** from my credit report.

2. Confirmation in writing that the correction has been made to all credit reporting agencies.

I have attached the following supporting documents for your review : - My CarMax payment history.

- Any relevant correspondence with CarMax Auto Finance.

- A copy of my credit report showing the inaccurate entry. 

I trust that the CFPB will investigate this matter thoroughly and take appropriate action to ensure fair treatment and accurate credit reporting practices. 

Thank you for your time and attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if additional information is required. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reached out to this credit bureau in XXXX, XXXX, and XXXX of this year XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. They only corrected a part of it and has continued to report the same wrong information. I have reached out to try to correct this a several times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to XXXX XXXX XXXX XXXX, this credit bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b XXXX 

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me. I feel violated and unprotected and have suffered loss as a result of their neglect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Back in XX/XX/XXXX I reported several unauthorized payments to Avant , LLC for my master card ending in XXXX. Last week I received information that all the charges disputed have been posted back on my account which has place my account over the limit. I did not receive any correspondence from Avant , LLC in reference to my account. It was decided to post all unauthorized charged back on to my account. I do not accept the outcome of what Avant has decided to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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 sent of dispotes about inaccurate reporting on my report and i never received investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I received a letter dated " XX/XX/XXXX '' ( XXXXXXXX XXXX  ) stating that a company, Credit Collection Services, is " trying to collect a debt that you owe to XXXX, XXXX, ( FORMERLY XXXX XXXX XXXX  ) ''. I have never conducted any business with " CCS '' ( Credit Collection Services ). After conducting my own, independent research with the Secretary of the XXXX of Massachusetts, I have discovered the following : " no records found '' for XXXX, XXXX ; " no records found '' for XXXX XXXX XXXX XXXX " Articles of Voluntary Dissolution '' dated " XX/XX/XXXX '' for CREDIT COLLECTION SERVICES. With these findings, the Secretary of the XXXX of Massachusetts, XXXX XXXX XXXX, is DIRECTLY stating to these entities that they LEGALLY are NOT able to conduct ANY business in the XXXX of Massachusetts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX is reporting credit card collection to the credit bureaus. XXXX XXXX XXXX claim that they purchased the debt. I was not notified that the debt was being sold or purchased. The original creditor was capital one. The debt was disputed as fraud, but not investigated properly. According to section 605B it is illegal to report anything without my permission. I didn't receive a 1099c. Also 15 USC 1692c. By sharing my personal information they are in violation of 18 USC 1028 and 15 USC 1681. Please remove these items from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: MO

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Subject : Follow-Up Dispute Unauthorized Credit Inquiries Dear TransUnion Dispute Department , I am following up on my previous dispute regarding the following unauthorized inquiries on my credit report. These inquiries were made without my knowledge or consent and violate the Fair Credit Reporting Act ( FCRA ). Additionally, I have filed an identity theft report with the FTC to further substantiate my claim. 

Disputed Inquiries XXXX. XXXX Reported on XX/XX/year> XXXX. XXXX XXXX Reported on XX/XX/year> XXXX. XXXX XXXX  XXXX Reported on XX/XX/year> XXXX. XXXX XXXX Reported on XX/XX/year> New Evidence Provided To support my dispute, I have included the following : 1. FTC Identity Theft Report : Report Number XXXX. 
2. Copy of my identification documents ( drivers license, Social Security card, and proof of address ).

Under FCRA 1681b, a permissible purpose is required for any credit inquiry to appear on my report. As these inquiries were made without my authorization or permissible purpose, they must be removed immediately.

Requested Actions 1. Remove the Unauthorized Inquiries : Delete all listed inquiries from my credit report, as they were made without permissible purpose.

2. Provide Documentation of Permissible Purpose : If TransUnion claims these inquiries are valid, provide documented evidence showing permissible purpose or my explicit authorization. 

Your Responsibility Under FCRA Under FCRA 1681c-2, you are required to block information resulting from identity theft once provided with an FTC Identity Theft Report. Additionally, FCRA 1681i ( a ) requires TransUnion to reinvestigate disputed information within 30 days. If these inquiries can not be verified, they must be removed.

Failure to remove these inquiries may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for damages caused by this violation.

Supporting Documentation Attached 1. FTC Identity Theft Report Report Number XXXX XXXX. Copy of my identification documents : Drivers License Social Security Card Proof of Address I look forward to your prompt response and confirmation of resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN 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 2024-12-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE DELETE THIS ACCOUNT XXXX - XXXX Identified Reporting Inaccuracies Discrepancy in Account Balance : Equifax reports a XXXX of {$270.00}, XXXX reports {$0.00}, and XXXX reports {$270.00}. 
This violates FCRA Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ], which mandates furnishers to report accurate and consistent information to all credit bureaus.

1. Inconsistent Payment History : Equifax and XXXX report XXXX and XXXX delinquencies, while XXXX reflects no late XXXX ( XXXX : XXXX, XXXX : XXXX, XXXX : XXXX ). 
This violates FCRA Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ], requiring credit bureaus to promptly investigate and correct disputes regarding inconsistent payment histories.

3. Failure to Verify Account Details : No documentation has been provided to verify the accuracy of the accounts payment status or balance.

This violates FCRA Section 611 ( a ) ( 2 ) [ 15 U.S.C. 1681i ( a ) ( 2 ) ], which requires credit bureaus to notify data furnishers of disputes and reinvestigate reported inaccuracies. 
Improper Reporting of Account Status : Equifax and XXXX report the account as XXXX, while XXXX reports the account as Paid. 
This violates CFPB regulations that require uniform and accurate reporting of consumer accounts to prevent misleading data from negatively impacting creditworthiness. 
4. Misrepresentation of XXXX Details : The account comments include conflicting statements : " Charged off as bad debt '' and " Legally paid in full for less than the full balance. '' This is a violation of Metro 2 Compliance Standards, which require that account comments be accurate, non-contradictory, and reflective of the true status of the account. 
Failure to Correct Past Due Reporting : Equifax and XXXX continue to list a Past Due Amount of {$270.00}, while XXXX reports {$0.00}. 
This violates FCRA Section 605 ( a ) [ 15 U.S.C. 1681c ( a ) ], which prohibits the inclusion of inaccurate or misleading information on consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60-90 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains errors under 15 USC 1681c-2. The listed inquiries were made without my authorization and are damaging my credit. Kindly remove all unauthorized hard inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are inaccuracies on my credit report concerning 15 USC 1681c-2. I did not approve the hard inquiries listed, which are harming my credit standing. Please remove them promptly.

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MO

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: DriveTime
State: VA

Complaint narrative:
To whom it may concern I purchased a XXXX XXXX in XXXX, XXXX from the DriveTime store in XXXX XXXX, VA. 
After moving to Virginia. 
In XXXX, we had a family emergency and for a short while, I was unable to work. I was still making payments the best I could. 
I got a job and the car stopped working. I paid close to a XXXX dollars for repairs and then rented a car in order to commute to work. 
A few months later the car stopped working again. And I wasnt able to pay for the costly repairs. 
The car was repossessed. 
The problem is. XXXX XXXX dollars is showing on my credit report. The account is in collections. I shouldnt have to pay for a vehicle that was repossessed because it was inoperable at no fault of mine. 
Please remove that from my credit report. 

XXXX XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i, XXXX XXXX am victim of identity theft.. my information was exposed in the data breach. you have to remove all these inquiries don't turn my disputed into a day dispute under section 605b this needs to be removed within 4 days my information was exposed in data breach and people have been using my information.

Company response to consumer: Closed with explanation