vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB Card XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Account Details Dear JPMCB Card, I am writing regarding my account with your company, Account Number : XXXX, which has been marked as charged off. I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the first delinquency on the account. 
The date of the last payment made on the account. 
The date the account was officially charged off. 

This information will assist me in maintaining accurate records and understanding the timeline associated with this account. 

Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CarMax, Inc.
State: PA

Complaint narrative:
i need the gap imformacion and i need the protection for no pay my loan the loan companies ned the provide help for repo

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I am submitting this formal complaint to address Fortivas unauthorized and unlawful action in opening a credit card account ( XXXX ) under my name without my explicit consent. I recently observed that my Fortiva account ( XXXX ) was closed around XX/XX/year>. Subsequently, my regular monthly payment of {$67.00} decreased to {$25.00}, which I presume is the minimum monthly payment. This change is likely to incur higher interest charges over time, resulting in additional financial burden. 

Upon reviewing my account statements, I noticed a balance transfer ; however, no explanation was provided regarding where the balance was transferred or the reason for this action. After speaking with a Fortiva representative and a manager, I was informed that an email was allegedly sent notifying me of the account closure and the balance transfer to a new credit card account that Fortiva opened under my name. I did not receive any such email, nor did I consent to or authorize the creation of this account. If I had been properly informed, I would have exercised my right to opt out of this action. 

Fortivas actions constitute a violation of legal and ethical standards, as the establishment of a new credit card account under my name requires my explicit authorization. This unauthorized activity is fraudulent and unacceptable. 

Please consider this a formal notice of dispute. I hereby demand the immediate restoration of my original account and the complete removal of the unauthorized credit card account from my credit report. Should this matter not be resolved promptly and satisfactorily, I will pursue all available legal remedies to seek damages to the fullest extent permitted by law.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$9000.00} from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section XXXX ( XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts on my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 
Sincerely, 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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$9000.00} from XXXXXXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts on my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
In XXXX, XXXX enrolled me in a permanent rate reduction program that set my interest rate at 1 % because I am unable to make the normal monthly payments. Since then, my monthly payments have ranged from {$1000.00} to {$1000.00}. In XX/XX/XXXX, I received an email from XXXX notifying me that my loans would transition from XXXX to Mohela for servicing. Later in XXXX, on the XXXX, I was informed that my rate reduction program would be expiring, and my payment would increase. 

I have relied on XXXX 's permanent rate reduction program since XXXX, as it has been the only way I can manage payments on my balloon interest student loans. I was unaware that these loans accrued interest daily while XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several accounts and inquiries that have appeared on my credit report due to a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I request that all accounts and inquiries listed below be blocked and deleted from my credit report as they are fraudulent and unauthorized. 
Disputed Accounts : XXXX XXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$45.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$540.00} Unauthorized Inquiry : XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX Date : XX/XX/XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$9000.00} from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts on my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 
Sincerely, 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 explanation
Consumer complaint received 2024-11-29 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
This account was closed 15 years ago yet it's XXXX out and there still reporting it to the credit agencies I can't believe this closed out the account has been charged off sold etc another slew of violations please let them know upon taking them off my consumer report I will be filing a claim against them for violating fcra and will need min XXXX per violation

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
I notice these inquiries that i did not authorize. This is an attempt to do fraud and should be deleted under15 USC 1681B PERMISSIVBLE PURPOSE 5inquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2024-11-29 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I purchased a XXXX XXXX XXXX from Lowe 's using my Lowe's/Synchrony Bank Credit card XXXX  . I also purchased on a separate order delivery, installation, and removal of the old oven. The delivery/installation/removal never happened because they never showed during the scheduled four hour appointment window. I requested refund of the installation charge and the purchase charge. Refund of the installation charged has been granted but refund of the item purchase amount has not happened. 
On a previous fraud investigation inquiry done by Synchrony, Lowe 's replied that they have not refunded the purchase cost of the oven because " The item was picked-up. '' I did not pick-up the item nor was it delivered to me by the installer. The item was apparently picked up by the installer and they did not return it to Lowe 's after failing their installation commitment. Lowe 's still needs to refund the purchase price to me. I inadvertently paid off the amount on the credit card so a cash refund needs to be made directly to me not as a credit to the card.

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 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I contacted Wells Fargo. Case number XXXX response by XXXX XXXX. 
I have reason to believe money or a fudiciary transaction XXXX have occured in my name or former names on my behalf even though I personally do not have knowledge of any Wells Fargo account in my name, I have no account number nor social security number as I do not live in XXXX. I am currently living in XXXX and I am a XXXX XXXX XXXX XXXX The names relevant to any account held in my name would be : XXXX XXXX XXXX ". ". XXXX " ". XXXX XXXX surnames involved may be : XXXX XXXX XXXX XXXX I can not go into lengthy reasons here as to why I suspect this fraud, and Wells Fargo have stated they have no knowledge of any account but I would respectfully ask that you would make your own enquiries on my behalf, and they recommended that I contact you. Should you need further information please contact me.

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 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: NC

Complaint narrative:
There are three companies in question, XXXXXXXX XXXX XXXX XXXX Conn Credit Corp, and XXXX XXXX XXXX XXXX. They are trying to collect a debt which is not owed.I would like these creditors removed from my credit report. These Credit Agencies consist of, XXXX XXXX, XXXX and XXXX. Please contact them on my behalf. There are codes that I would like to be applied to this process, they are : Delete Charge Offs, 15 U.S. Code 1681 ( c ) 2, Collections 15 U.S.code 1692 ( g ) ( c ), Hard Inquiries : 15 U.S. Code 1681, 15U.S. Code 1066 ( b ). Car Repossessed 15 U.S. Code 1681 ( s ) 2. Thank you for your time and effort. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Hi, Santander Bank sent me an offer to open credit card and I did apply as instructed. 
I got a letter of denial tells " Unable to Validate or Process Application ''. 

I called today the number on the offer XXXX to check what information needed to be validated but they refused to tell me anything but " At this time we can not process your application ''. 
Please find out if they have problem processing application or my information provided has an issue! 

Thank you 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 explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls undeXXXX XXXX  according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief