vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: DC

Complaint narrative:
I Reviewed my credit profile and noticed some hard inquiries that do not belong 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 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On the evening of XX/XX/XXXX we had a scheduled flight on British Airways to XXXX that was cancelled a few hours before departure. British Airways emailed us that we were going to be rebooked on United Airlines the following day. My husband XXXX United to get their phone number to call them and see if they could get us out the same day as we were going on a XXXX and really needed to get out that day. 

We called what XXXX showed was United Airlines. The man on the line told us he was United Airlines and he could rebook us on a flight for the same day. He encouraged us to book a round trip as that would help us get a same day ticket. We were rushed as we had a car service taking us to the airport that was waiting for us. It was taking very long and we were starting to get suspicious as the man had a strong XXXX accent. We asked him two more times if we were talking to United Airlines and he said yes, he was United Airlines. 

He sent us an email with the fare for each way. He told us United was sold out but he could get us out on XXXX XXXX. The fare seemed very high but we were running out of time so we said yes, please book us. We gave him the credit card information and he issued tickets on XXXX XXXX for the evening of XX/XX/XXXX. We still hadnt received our United tickets for the return trip. As we were driving to the airport, we started to realize that we had probably been scammed and were not talking to United Airlines. We called back and insisted that they refund our return trip with United-it took a lot of arguing and pushing but they finally agreed. 

We boarded the flight and once we arrived in XXXX, we reviewed our credit card charges and could see the fares with XXXX XXXX and United and an additional charge of {$3700.00} for booking the flights. This was not a charge we would ever agree with. There would be no fees like this if we had been booking with United. In addition, when we asked them to cancel the United tickets, they only refunded the actual fare which was much less than the fare they quoted us. That charge is a fraudulent charge and we should not have to pay it. 

We are attempting to fight this with Chase but they are siding with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Shellpoint Mortage is absolutely horrible. Not only incompetent and unfriendly, but unethical. DO NOT DO BUSINESS WITH THEM. 

Our mortgage was transferred to them without our consent and they have entirely screwed up our plan to pay off our mortgage early - costing us years and XXXX  in additional interest. It's a fairly common practice to pay additional principal each month to pay off a mortgage early. Shellpoint forced us to send in a physical form to do so, and after several billing cycles of not applying additional payments to the principal of our mortgage, they told us doing so was not possible. Extremely incompetent, unethical, and borderline scammy. AVOID AT ALL COSTS.

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 2024-09-05 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BlueChip Financial
State: NV

Complaint narrative:
They claimed they have the wrong bank information. 
Which I re-read what I have provided. 
They claimed loan will be canceled after they receive the money back in 7 business days which their contract states that consumers have 3 days to return funding. To which this ordeal is a fault on their side not consumer. 
This is a common fraudulent activity that they conduct, the reviews of other consumers shares the same issues. 
They are bonded with an agreement to pay off a loan that they never receive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
My Fortiva account is charging me an annual fee when my account is closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against several credit reporting agencies for what I believe to be violations of federal laws concerning the reporting and disclosure of my credit information. My concerns are based on violations of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, the Gramm-Leach-Bliley Act as well as 15 USC 1681 where the credit that is reporting should be 100 % accurate.

The credit bureaus are in violation because all three bureaus are not reporting the same information for one specific company.

1. Violation of 15 U.S.C. 1681a Exclusions : According to 15 U.S.C. 1681a ( 2 ) Exclusions ( A ) ( i ), credit reports should not contain information solely about transactions or experiences between the consumer and the reporting entity. I have observed that my credit report contains detailed transaction history, which appears to be in violation of this provision. This inclusion of transaction history is not only contrary to the FCRA but also impinges on the accuracy and fairness of my credit report.

2. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : Under 5 U.S.C. 552a, no agency shall disclose any record contained in a system of records by any means of communication to any person or to another agency without prior written consent from the individual concerned. Specifically : Student Loans Reporting : My credit report contains information regarding my student loans that appears to be disclosed without my written consent. This disclosure is a potential violation of the Privacy Act unless it falls under specific exceptions such as routine uses or needs for the record by agency employees performing their duties. 
The law provides exceptions for disclosures, including : To officers or employees of the agency who need the record for their duties.

Required under Section 552 of this title.

Routine uses as defined under the Privacy Act.

Census or survey-related activities.

Statistical research or reporting records that are not individually identifiable.

3. Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Under 15 U.S.C. 6802, financial institutions are prohibited from disclosing nonpublic personal information to third parties without proper authorization. I have noticed collections on my credit report that appear to have been shared with third parties without my consent, thereby violating this statutory requirement. The unauthorized sharing of my information is a serious concern and warrants immediate review.

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 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
This is a follow up to a closed complaint, as the letter from NewRez to the CFPB did not satisfy the issue. I submitted a response to this complaint within the time period required, but the complaint shows as " closed, '' so I have no choice but to re-open this issue with another complaint. For reference, the original complaint number is XXXX. 

Following is my response to the rebuttal sent by NewRez to the CFPB.

In the response letter, they stated that the form submitted was outdated. If that is the case, then they are the ones who are responsible for that as you are required to request the document from them. Therefore, they sent an outdated form. As the consumer, I followed their directions based on the form that they sent to us. Now, they are requesting {$40.00} more, and it was their mistake to begin with. I find this response to be insufficient and definitely not in the interest of the consumer. If your company sends a form with the fee requested, and that form is sent back with the fee requested, they should not be allowed to increase the fee. That was their mistake, not mine. Further, they never once reached out to us to explain this issue, even after I called and they promised a callback. They ignored it and applied the {$150.00} to the principal. Now, they state that they have reversed it from the principal and are holding it and waiting for me to send them their " correct form '' with an additional {$40.00}. I find this inexcusable! They should be required to do the following : XXXX. Run the appropriate XXXX to remove the XXXX  based on the money they have now ( the {$150.00} ). XXXX. Remove the mortgage insurance. XXXX. Apply a principal credit for any mortgage insurance charged 30 days after receipt of the original {$150.00}, which is XX/XX/2024. This is the only resolution that is appropriate for this situation, and I hope that the CFPB agrees. Thank You!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: MI

Complaint narrative:
I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XX/XX/2024, I mailed a dispute letter to Equifax via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. In addition to this, I also disputed incorrect personal information listed on my report. 

To help Equifax verify my identity and address, I made sure to include a copy of my photo ID, my social security card, and a recent bill showing my current address. Despite these efforts, I did not receive any response or investigation results from Equifax. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
i do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i do not recognize the negative accounts appearing on my credit

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 2024-09-05 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-05 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: WI

Complaint narrative:
This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX  charge off XXXX  charge off XXXX charge off XXXX XXXX charge off Credit coll charge off XXXX CHARGE OFF XXXX XXXX XXXX CARD HARD INQUIRIE XXXX  CHARGE OFF Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 2024-09-05 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my deep concern and disappointment regarding the accuracy of information on my credit report. Despite previous communication, your agency has failed to demonstrate due diligence in ensuring that the reported items comply with 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification. As mandated by 15 USC ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the reinvestigation process your agency used to verify the accuracy of the disputed items on my report. This description must include : 1. The name and address of the information provider ( s ) contacted 2. The telephone number of each provider, if reasonably accessible 3. The name of the individual who verified the dispute 4. Valid documentation that was used to substantiate the continued reporting of these items This information must be provided within 15 days from the receipt of this letter, as required by law. Additionally, I have previously notified your agency that I am a victim of identity theft related to a data breach. I have filed a formal FTC report ( enclosed ) and demanded the immediate removal of all fraudulent information from my credit report, as required under 15 USC 1681c-2 ( c ) ( a ). Your agency is legally obligated to block and remove any alleged identity theft information within 4 business days of receiving a complaint that meets the necessary criteria. 
Despite this clear request, the following inaccurate item remains on my credit report : XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX - XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted.

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