vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to inform you that the referenced account was fraudulently opened in my name without my knowledge or authorization. This account appears on my credit report and is negatively affecting my credit. I believe this is a case of identity theft. 

Account Details : Account Name : JPMCB CARD Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/year> I did not open this account, nor did I authorize anyone else to do so on my behalf. Therefore, I request that you immediately close this account and cease all collection activities related to it. Additionally, I request that you remove any negative information related to this account from my credit report. 

This company - that I have XXXX knowledge or affiliation with was fraudulently operating with my information. I did not authorize any of this. I do not own a company or operate a company. I have never in my life walked into a Chase bank nor called nor applied anywhere for a card with Chase. This is ridiculous. I do not even have personal accounts with Chase. My credit and EVERY single one of MY accounts are in great standing and have always been. I have beautiful financial history and I have always protected my credit score. I do not know how this even happens and how I am responsible for paying a card I have never had or spent any money on. I do not have a physical card nor could I even tell you the card number. I do not know any of these " employees '' that Chase is saying I sent payments to. None of the payments made on this credit card where with accounts I own. This account is not my debt and this is incredibly unfair. I have never contacted Chase to open an account ever in my life. This needs to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My 3 credit cards ending in XXXX, XXXX, and XXXX were closed by Wells Fargo without just cause. I had fraud charges on my account when I was on an XXXX XXXX  in XXXX. Wells Fargo advertises a zero fraud liability on their credit card accounts. Wells Fargo would not give an exact reason for the account closures and I called 3 times asking why no letter has been sent to explain why the accounts were closed. This is abusive to me as a customer and against Wells Fargo 's policy. Even though Wells Fargo did not specially state the reason for the account closure is due to the fraud that was on the account, i know this is the reason they decided to close it. Due to Wells Fargo 's terrible decision making, my credit score has suffered and went down more than XXXX points due to my total available credit amounts being lowered and my average age history of my credit cards being less. I have been a Wells Fargo card holder for more than 6 years. I would like the accounts reopened and at the very least my credit reports fixed. Wells Fargo 's decision is negatively impacting my life and my interest rates when applying for loans has now been raised due to these 3 Wells Fargo Credit Cards being closed.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CITIBANK N.A. is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15. U.S. Code. 1681a ( 2 ) ( I ). states that the consumer report does not include information solely as to transactions or experiences ( payments History, charge off status ), between the consumer ( myself ) and the person ( CITIBANK. N.A. ) making the report. Additionally, 15 U.S. Code 1681 s- 2 ( a ) ( 1 ) ( A ) state that A person ( CITIBANK N.A. ) shall not furnish any information relation to a consumer ( me ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. CITIBANK N.A. can not collect on a discharged debt. This now considered a certificate of Indebtedness per the IRS. And income Can Not be reported. The IRS Clearly defines a charge off As Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The reporting of this as A debt is inaccurate. I never received 1099 - C Form from CITIBANK N.A. for the cancelled debt of ( {$4600.00} ) in order to file as ordinary income. Where is my 1099-C? CITIBANK N.A. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debt greater than ( {$600.00} ). This is unsatisfactory! CITIBANK N.A. has been HEREBY PUT ON NOTICE That they are furnishing incorrect inaccurate information. I have the right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal and verbal per 15 U.S. Code 6802 Im NOW OPTING OUT, I AM INVOKING MY SPECIFIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITHHOLDING MY DISCLOSURES, Pursuant 15 U.S. Code 6802 ( B ) DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING AGEGNCIES. 
Account Name : CITIBANK N.A. 
Account # 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 2024-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: TX

Complaint narrative:
CarMax XXXX XXXX, XXXX XXXX : Customer Service Department XXXX XXXX XXXX XXXX XXXX, VA XXXX I am writing to formally dispute the alleged debt you claim I owe and to express my serious concerns about the deceptive practices employed by CarMax XXXX XXXX XXXX XXXX, which induced me into signing a contract that was unfair and one-sided. Despite my efforts to resolve this matter, including filing for arbitration, CarMax has failed to respond to my claims, and instead, has engaged in behavior that I believe violates both federal consumer protection laws and Texas state laws. 

Background and Allegations I assert that CarMax used deceptive practices to secure my endorsement of a contract that was not only one-sided but also failed to adequately disclose essential terms and risks. Following this, I filed for bankruptcy to involve the courts in seeking a fair resolution. Instead of addressing this through the appropriate legal channels, CarMax chose not to appear in court and, instead, sent a repossession company to my home, which I believe was a deliberate attempt to circumvent my legal rights. 

Violations of Federal and Texas State Law CarMaxs actions are in direct violation of the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers from unfair and deceptive practices in lending and debt collection. Furthermore, under Texas state law, specifically Chapter 392 of the Texas Finance Code, it is unlawful for creditors to employ deceitful practices to collect on a debt. CarMaxs failure to provide full and fair disclosures at the time of contract execution, coupled with their subsequent behavior, constitutes a breach of these protections. 

Arbitration and Lack of Response I have filed for arbitration against CarMax in good faith, providing detailed claims regarding their deceptive practices and unfair treatment. To date, CarMax has not responded to my claims within the arbitration process, further indicating a lack of commitment to resolving this matter responsibly.

Should CarMax continue to ignore my requests and legal filings, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Department of Banking, and other relevant authorities. 

I expect a timely and thorough response to this dispute. Failure to address these concerns will leave me with no choice but to pursue all available legal remedies to protect my rights as a consumer. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-17 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: IN

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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:
Transunion, XXXX, and XXXX are reporting the account listed as XXXX  account number XXXX incorrectly. There are several inconsistencies within the account that means they have not done a reasonable investigation into this account. 

Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$450.00} {$0.00} {$0.00} High Credit : {$740.00} {$740.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$450.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX 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 2024-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I been trying to receive our check from our insurance to rebuild our house since XXXX in the amount of {$77000.00} thats we sent to our mortgage company Lakeview loan care back in XXXX we were going to buy a new home but couldnt because Lakeview was unwilling to to work with the company we were buying from they wanted all this paper work that company did not have because they are a vendor not a builder and since Im guess Lakeview dont deal with mobile homes ( dont know why they bought out our mortgage if they didnt ) we were unable to so we decided to fix up our home we turned in all paper work that this company as asked for and every time they tell us its 5 days then 10 days then 15 days then they dont have a time line on whats going on I made a complaint before and a lady name XXXX XXXX was handling on which she called one time and wrote a complaint XXXX  letter on whats going on with our check as she lied and said we didnt turn in paper work that was not signed I called and the other reps said it was signed and she said I needed to show the over amount which no one else has that in their notes that says I need to turn in any other paper work yet she DONT return phone calls or return emails so we dont know whats going on she will call one time to make it seem like they are attempting to help us just to close out our complaint we have done everything this company has asked for and still no money to rebuild our house and no one knows what is going on with the return of our check which at this point I feel like they just dont wan na give it to us which I dont know why we paid for our insurance its OUR MONEY

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 2024-10-17 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered the following unauthorized inquires on my credit report XXXXXXXX XXXX XXXX  - non specific XX/XX/XXXX Experian, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX and XXXX & XXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX other than XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXXXXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the FAIR CREDIT REPORTING ( FCRA ). I am requesting immediate removal of these fraudulently inquiries from my credit 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 explanation
Consumer complaint received 2024-10-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, has violated my rights.

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 2024-10-17 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:
COMPLAINT FOR CFPB XXXX REMOVER LATE PAYMENT ( ( XXXX XXXX XXXXXXXX ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EQUIFAX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to EQUIFAX regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being

Company response to consumer: Closed with explanation