vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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:
XX/XX/year> I Disputed The JPMCB account reporting on my credit report to credit agency 's as ID theft. Credit Bureaus validated this account is not mine and removed it from my credit report. 
XX/XX/year> JPMCB - XX/XX/year> JPMCB Account was removed from all credit reports. 

XX/XX/year> JPMCB account was readded again on my credit report as a charged off credit card. Without a written notice from any credit Bureau that it was being added back. 

Disputed with JPMCB stated that the charge off account is not mine never received response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
XX/XX/year> I Disputed The XXXX  account reporting on my credit report to credit agency 's as ID theft. Credit Bureaus validated this account is not mine and removed it from my credit report. 
XX/XX/year> XXXX - XX/XX/year> XXXX Account was removed from all credit reports. 

XX/XX/year> XXXX account was readded again on my credit report as a charged off credit card. Without a written notice from any credit Bureau that it was being added back. 

Disputed with XXXX stated that the charge off account is not mine never received response.

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 2024-06-10 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:
XX/XX/year> I Disputed The XXXX  account reporting on my credit report to credit agency 's as ID theft. Credit Bureaus validated this account is not mine and removed it from my credit report. 
XX/XX/year> XXXX - XX/XX/year> XXXX Account was removed from all credit reports. 

XX/XX/year> XXXX account was readded again on my credit report as a charged off credit card. Without a written notice from any credit Bureau that it was being added back. 

Disputed with XXXX stated that the charge off account is not mine never received response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
XX/XX/year> I Disputed The XXXX  account reporting on my credit report to credit agency 's as ID theft. Credit Bureaus validated this account is not mine and removed it from my credit report. 
XX/XX/year> XXXX - XX/XX/year> XXXX Account was removed from all credit reports. 

XX/XX/year> XXXX account was readded again on my credit report as a charged off credit card. Without a written notice from any credit Bureau that it was being added back. 

Disputed with XXXX stated that the charge off account is not mine never received response.

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 2024-06-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

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 2024-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had a previous complaint filed that Navient responded saying they would provide me with the School Misconduct Application for since my private loans were eligible due to being a part of the XXXX XXXX XXXXXXXX lawsuit for having attended and taken out private and federal loans for The XXXX XXXX and having my federal loans forgiven due to school misconduct. I've yet to receive this application from Navient online or via physical mail. They have not responded to my feedback left after seeing they still had not sent this application so I could get my private loans not only discharged, but refunded for all amounts paid due to their misconduct with working with The XXXX XXXX, which was found to be scamming their students.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: VA

Complaint narrative:
The List of ADDRESSES below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX Va THESE ARE NOT MY ADDRESSES AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-06-10 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: VA

Complaint narrative:
The List of ADDRESSES below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX Va THESE ARE NOT MY ADDRESSES AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/year> I was notified by Chase that a plane ticket I had purchased had a change in itinerary and I needed to go online to accept the changes. When I went to see what the changes were I saw that they had changed my return flight ticket from XX/XX/XXXX at XXXX to XX/XX/XXXX at XXXX. The flight arrival time was the same ( XXXX ), but the departure got moved approximately two hours earlier. Both original and the updated flights were departing from XXXX XXXX XXXX XXXX and arriving in New York XXXX. The updated flight was showing a total duration of 1 hr, although the original flight was direct and lasted approximately 5 hours, and the updated duration should've been 7 hours 10 minutes. This led me to believe that they had changed the flight to include a layover, however where the layover was was not displayed, it was just showing that I now had a " one hour flight '' from XXXX XXXX XXXX to XXXX, with a departure time of XXXX on XX/XX/XXXX and an arrival time of XX/XX/XXXX at XXXX. 

I booked the plane tickets through Chase 's travel agency that is a free benefit associated with the credit card. 

I called Chase 's travel agency on XX/XX/XXXX to try and resolve the matter and was on the phone for over an hour without a successful resolution. 

The agent told me that she could also see that I now had a layover, but couldn't or wouldn't tell me where the layover was. At the time of booking the original flight I paid extra to ensure that the flight would be direct, as my husband has to apply for visas in many countries and we didn't want to risk a layover, and I have a physical XXXX that makes travel difficult and so it was worth it to us to pay extra for a direct flight. 

Chase went back and forth between not admitting that it was not a direct flight, and saying that if there was a layover they were unable to tell me where it was and I needed to call the airline. When I called the airline the airline told me that they could not give me any information about the flight as I had booked through a third party, Chase. 

Finally Chase offered us the same flight we had been originally booked on, but on an earlier date, so we are now on a flight that departs on XX/XX/XXXX and arrives on XX/XX/XXXX but is direct. I do not find this to be an acceptable solution, as we again paid extra to fly on the date we had originally booked which was a Sunday and Sunday flights are much more expensive than Saturday evening flights. Chase maintained that the issue was with the airline ( but would not tell us why the flight had been changed or confirm that we had a layover ) and would not allow us to rebook our flight with a different airline without cancelling the entire flight, paying cancellation fees, and then booking a new flight entirely which is not a reasonable solution and would've been much more costly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENTS : XXXX XXXXXXXX XXXX SS 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 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
I am writing this complaint against Cross Country Mortgage in XXXX, WY. My wife and I went through the process to secure a VA loan through Cross Country Mortgage on a property for our next station. Approximately 5 days before closing, I notified the lender of some misinformation in our initial documents. On the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Initial Disclosure it states : XXXX XXXX XXXX XXXX is to be retained as second home. Currently the home is listed for sale at a price of {$420000.00}. The current XXXX estimate of that home as of XX/XX/year> is {$410000.00} which will net us a loss of approximately {$30000.00} with fees included. However, on the VA Form 26-1802a HUD V.A. Addendum the same dwelling is stated as to be sold and has a sales price of {$520000.00}. On the initial disclosure forms they stated that we would be bringing {$75000.00} to closing because of sale of real-estate. The lender told me they were just initial documents, and any error would be corrected before closing. We had also stated the property had a failing radon test, which the builder then corrected by installing a radon mitigation system. However, we never received a passing test. Because of these issues we asked that our loan be withdrawn. Then we received an email saying they could not withdraw our loan until they received a termination of contract from both parties. After further scrutiny of all documents, we then discovered that the well test for the property in question was done against the procedures established by the Department of Veteran Affairs guidance. In this case the builder, took the sample himself, and only tested for lead. In the Department of Veteran Affairs lender handbook Chapter 12 topic 15 and 16 is specifically identifies that the personal well be tested for human consumption and that an uninterested 3rd party must collect and transport the specimen to the testing authority. Further, during the Radon test timeframe, the VA loan appraiser conducted their inspection of the property. As a result, it is difficult to extrapolate real numbers from that test due to the appraiser having to move around the home/basement, open doors, and verify certain minimum property requirements. In theory, that test could have come in much higher. Although it did fail, it does cast doubt on the accuracy of this test. I again emailed our lender and stated that because of this non-compliance, we request that they deny the loan. The loan offer 's response was that her manager and the underwriter are not able to issue a denial letter because the water did not fail the test.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX 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
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I didnt make the purchase and there are 3 charges on my account. I contact Apple Card support so many times they always promise will help but never done anything. My case keep reopen and closed. Then reopen and closed again for 2 years. I kept calling agent but same thing. And they laughed at me when I call for looking for help. The 3 transactions amount and date : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: ME

Complaint narrative:
Acima Leasing XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX UT XXXX. XXXX - XXXX XXXX for XXXX via XXXX XXXX continues to harass me for thousands of dollars in appliances. A delivery I cancelled with the delivery company, XXXX XXXX on or about XX/XX/year> via telephone at XXXX & XXXX. Those items were never delivered as a result of that request and returned to XXXX. Acima REFUSES to corroborate this information, review or investigate and calls me repeatedly 6 or more times per day on average. I have done everything in my power to resolve this issue in a timely and courteous fashion. The leasing company has not been receptive to the information, a willingness to even attempt to verify the debt or cooperate with me in anyway. In the Invoice attachment " Items to be shipped '' were not now nor have the been received. This order was CANCELLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
XXXX XXXX XXXX has ignored numerous attempts to file an accurate credit report. Changes were made, but made my credit look worse than what it was changing back-and-forth. Now I recently found that a third-party XXXX had gotten my information from XXXX, which is in a data breach. XXXX had no reason to give my information out to this company. I have already proven and tried numerous times to ask why XXXX XXXX XXXX gave my information to this company. I honestly feel if I would have never attempted to fix this wrong amount incorrect dates through XXXX XXXX. My credit information would not have been breached.

Company response to consumer: Closed with explanation