vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
I made a credit card dispute with chase as that was the credit card I used for the transaction for XXXX on XXXX 
When my trip took place on XX/XX/XXXX, it was a complete disaster. The listing on XXXX advertised one address, but upon arrival, the owner called us to meet at a different location and provided accommodations that did not match the original listing. The owner also insisted we sign a questionable lease, claiming we were subleasing the property. Due to this, I immediately canceled the XXXX XXXX XXXX 

Adding to the distress, I have XXXX children under XXXX XXXX XXXX and had to navigate these sketchy and alarming circumstances with them present. It was an extremely unsettling experience.As well as find somewhere else to stay in a city that I do not live in. 

I made a credit card dispute with chase on XX/XX/XXXX .After several calls and attempts over several months I was told they are investigating and needed time. Then finally on XX/XX/XXXX I was told through a representative that I wasnt getting refund. I then requested a supervisor which I did attain. After reviewing my case and discuss the situation the supervisor said I filled under the wrong description and will need to reprocess. Which I responded why wasnt I told that from the beginning because every personnel before that did not indicate this, they said the case was being process wrong and was told on different occasions I would be issue a credit. 
On XX/XX/XXXX the supervisor reprocess under the correct action as to what they thought would fit my case. 
On XX/XX/XXXX I reach out to chase for an update and was told I would not receive a credit they found no grounds. I review the case as I did not stay at the location through no fault of my own but fraudulent behavior and misrepresentation from XXXX a hotel company. 
Throughout these months XXXX was also contact numerous times and repeatedly denied any culpability and stated they could not reach ownerso it was out of their hands. 

I am urgently requesting a refund, as the service was not fulfilled nor was it held up to conditions that I was agreeing to once I purchase the stay. The transaction should not be compensated, especially since I had to book another hotel that same day. Clearly, I would not have done this if I had been able to stay at the original booking. 

In summary, the XXXX XXXX XXXX, and we never stayed at the property. I hope you can assist in issuing a credit for the service. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-26 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: MI

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
These credit card companies reported me as " inquiring '' which I did not. This was fraudulent activity.

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 2024-09-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This account was charged off on the following date ( XX/XX/2023 ). Since then the account has repeatedly been updated as charged off every month. This is an update of in the payment history. A charged off account should NOT include and active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account.Account Info Account Name : XXXX XXXX XXXX Account Number 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 2024-09-26 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: MS

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX2 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from 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 2024-09-26 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-26 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: TX

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 2024-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am seeking loan forgiveness because, similar to the issues highlighted in the *XXXX  lawsuit**, I was misled into repayment plans that were not in my best financial interest. The unfair practices left me in long-term financial hardship, preventing me from making significant progress on my student loan repayment. Loan forgiveness would provide much-needed financial relief and help rectify the challenges caused by these misleading practices, allowing me to regain financial stability. 

Thank you, XXXX XXXX XXXX XXXX cell #

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXXXXXX XXXX XXXX XXXX  and the following inquirires XXXXXXXX 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 explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
Since this is my second request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute XXXX XXXX XXXX XXXX XXXXXXXX and the following inquirires XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-26 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-26 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B. XX/XX/year> SS # XXXX The information about bankruptcy is inaccurate, and I contacted both the court and the credit bureau to address the error. The court confirmed that it does not provide information to the credit bureaus. I then contacted all three credit bureaus with this explanation from the court. While XXXX removed the error, TransUnion and XXXX have yet to do so. I sent certified letters with return receipts requesting the identity of the information 's source. The bureaus responded, claiming the court was the furnisher, which the court has denied. Therefore, the bureaus have failed to reveal who actually furnished the information. 

According to The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to disclose the source of information on a consumers credit report under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). Specifically, this section of the FCRA mandates that, when a consumer disputes information, the credit bureau must provide the consumer with the following after completing their reinvestigation : A written notice of the results of the reinvestigation. 
The contact information for the furnisher of the information if the information has been verified as accurate, which includes the name, address, and phone number of the furnisher. 
This provision ensures transparency, allowing the consumer to know the exact source of the disputed information, especially when there's a disagreement regarding its accuracy. If the credit bureau fails to disclose this information, it may be violating the FCRA.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NATIONAL DEBT RELIEF LLC
State: WA

Complaint narrative:
I am repeatedly getting calls from this company, although they do not provide the company name or any of details. They call me at least 3 times a day. They are also calling my work, many of my relatives, and refuse to stop. I have asked them repeatedly to ceases and desist and they flat out refuse and tell me to do my best.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have been trying to access my monthly mortgage statements for the past 6 years. I called and wrote to the company many times. They finally agreed to fix the problem in XX/XX/XXXX, but have still not fixed the problem. After waiting for them to resolve the problem as they stated they would do in a couple of months, they still did not fix it. I have written and called again and again, and they now say it will be only a couple of months to fix the problem. Here is their latest responce : We extend our sincerest apologies for the inconvenience you have faced with the absence of your monthly statements online. We are aware that you were previously advised that this issue would be rectified within one ( 1 ) to two ( 2 ) billing cycles, as outlined in our Research Letter dated XX/XX/XXXX. 
After a thorough review, our Web Team has identified the root cause of the problem : your loan 's previous status in bankruptcdepartment responsible for uploading the documents to the website. We regret that it has persisted for so long. 
We are pleased to inform you that this issue has been resolved. Your monthly statements should now generate and be accessible online during the next billing cycle. If you are still unable to view your monthly statements online, please contact us. 
We deeply regret the inconvenience you have faced and appreciate your patience while we worked to rectify this issue. 
If you have any questions, please contact our Customer Service Department at XXXX or via mail at the address listed above. Our hours of operation are Monday through Thursday from XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX, Friday from XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX and Saturday from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX Visit us on the web at www.mrcooper.com for more information. 
I hope this information is helpful and addresses your concerns. If you have any specific questions about the information I have provided, please contact me directly, using the information below. 
Sincerely, XXXX XXXX XXXX XXXX Customer Relations XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX E-mail : XXXX ________________________ They requested a letter from me asking to reinstate the statements because of the bankruptcy that was filed in XXXX. The statements did not stop until XXXX so the issue of bankruptcy was not the cause of the statements not showing on the website. The statements stopped when I requested paperless statements. They promised if you choose to have paperless those statements would be available online. They declined to admit their mistakes and tried to use this as their argument for the problem. They should have fixed this and issued an apology. I have never missed a payment, but I don't have access to my statements to prove my point. 

Thank anyone for listening, XXXX XXXX

Company response to consumer: Closed with explanation