vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: DC

Complaint narrative:
I purchased a stay at a hotel ( XXXX XXXX XXXX ) for 4 days ( XXXX ) through a third-party site ( XXXX ). I had no issues checking in, during my stay, or checking out. However, upon checking my credit card statement later on, the hotel charged me an additional {$68.00} ( on XX/XX/year> ). I wasn't told of this at any point. Not during my actual purchase, during check-in, or during check-out. When I emailed them, they mentioned it was for a " facility fee ''. Something I didn't consent to pay and wasn't informed of. I called my credit card company, they mentioned that they need to know more information about what the fee was before they could dispute it. After many attempts to reach them, I finally got a response where they said the fee was for the use of a few facilities I didn't use ( or know existed ) as well as Wi-Fi and parking, both of which are listed on their website as " complimentary ''. Upon returning to my credit card company with this information, they said that XXXX has a policy against submitting claims on things the vendor has identified as a fee. By this logic, anyone can charge me any amount of money and as long as they claim its a fee, I can not dispute it. 

I'd like to emphasize, I wasn't told about this fee during purchase, during check-in, or during check-out. They haven't even given me a receipt ( the third-party side I purchased the stay through did, and the fee is not included, the receipt is attached ). I was simply charged without warning, and if I hadn't checked my credit card statement, I never would've known. This fee is also not mentioned on their website or anywhere else. Without any warning of receiving this fee, how are they allowed to charge me for it? I would not have selected this hotel if I knew I would be charged this fee, as it made my stay more expensive than several other options I was considering. Can any hotel ( or any organization ) add on any amount of money to a purchase and claim it was a fee without informing the consumer? 

I would like to be reimbursed for this fee. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
I keep receiving emails about a late payment, but I have an application pending for an income driven plan which has been pending since early XXXX. When I go to call to speak to someone it is impossible to get a live person. My current payment I can not afford and I don't want my payment owed to continue going up. I would love to have this resolved/payment paused until my plan is hopefully approved. I don't like to complain but I also do not want my credit score I worked very hard on to get ruined over this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - 1990 Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Pro collect has never sent anything to me stating I had this debt.

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 2024-02-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express pre-pad gift card ( electronic NOT physical card ) seemingly not working anywhere. Unable to make purchases and have tried SEVERAL places.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 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: OH

Complaint narrative:
I Want these 3 inquiries blocked from my credit profile

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 2024-02-07 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: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

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 2024-02-07 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: RI

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 non-monetary relief
Consumer complaint received 2024-02-07 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:
I filled out a FTC identity theft report on XXXX to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and transactions that strongly indicate fraudulent activity. I did not initiate or authorize these entries, confirming my status as a victim of identity theft. the unauthorized account and transactions are attached in the Identity theft report I have uploaded.

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 2024-02-07 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:
I filled out a FTC identity theft report on XX/XX/24 to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and transactions that strongly indicate fraudulent activity. I did not initiate or authorize these entries, confirming my status as a victim of identity theft. the unauthorized account and transactions are attached in the Identity theft report I have uploaded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. 

I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company. 

As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. 

I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that XXXX is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit. 


In addition Hello, and thank you for taking the time to read this. Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-02-07 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NY

Complaint narrative:
I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - 1990 Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I HAD SUBMITTED THE INCORRECT INFORMATION THE FIRST TIME AND RESENDING TO THE PROPER COMPANY NOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXX/XX/year> I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NJ

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: IL

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your 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 explanation
Consumer complaint received 2024-02-07 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: LA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This letter concerns the response received from Citibank dated XX/XX/XXXX regarding the security/bond with the attached coupon/statement, properly endorsed, stamped and signed, held by XXXX XXXX/PRINCIPAL. The instrument bears a restrictive endorsement, rendering it non-negotiable and payable solely to the benefit of the principal. I am writing to formally dispute the recent decrease in my credit limit and subsequent closure of my credit card account, effective immediately. This action not only violates established consumer protection laws but also contradicts your own disclosures, causing significant harm to my credit score and financial well being. Violations of Credit Card Act and Citibank Prospectus : 1. 45 Day Notice : Your action directly contravenes the Credit Card Act and your own prospectus, which explicitly require a 45 day written notice prior to any adverse action, including credit limit reductions and account closures. I didn't receive such notice, violating my rights and rendering your action invalid. 2. Cancelation Right : As per the Credit Card Act, I have the right to cancel my account in its entirety before the changes take effect if I disagree with them. You denied me this right by abruptly closing the account without prior notice. Violation of Securities Laws : 1. Asset Backed Security : My credit card account constitutes an asset backed security as defined by 260.1 1b-6 and Section 311 ( b ) ( 6 ) of the Securities Exchange Act of 1934. As an investor in this security, I hold obligations issued by the issuing entity, entitling me to specific rights and protections. 2. Dodd Frank Wall Street Reform and Consumer Protection Act : Section 941 ( b ) of the act further grants me, as the credit card applicant and originator, specific consumer protection rights in relation to this account. The closure of my account without due process and transparency directly violates these rights. Also, according to the Equal Credit Opportunity Act, adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Citibank is also in violation of 15 USC 1642, 15 USC 1681, and 12 CFR 1002 because I, the consumer, made an application in good faith and I have received no benefit. It appears my asset ( credit application/contract ) is being traded on the secondary market utilizing cusip number XXXX. Where is the benefit to me as a silent investor?

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I sent a letter on XXXX/2024, asking for my address to be update so i can remove other address from my credit report that is no longer associated with myself. I emailed XXXX XXXX and he responded that everything was ok and he updated my address. This morning on XXXX/2024, i get an alert from my credit report saying i added a new address and it was not correct it was XXXX XXXX address. I emailed XXXX XXXX again and he said he updated it again. I also called in to express my issue and they said that they updated and it would take about 30 days which is unacceptable. I have a fraud alert on my credit report and this is causing me so much stress. There is a lot of fraud going on and this ran me through the roof. I also asked them for their mistake to waive the 30 day late reporting off of my credit report and still no response. This was an easy fix and now i am stressed out because i have to contact my credit bureaus to fix the problem and wait 30 days for their mistake i want something resolved about this before i take further action. This is not ok due there is a lot of fraud going on so XXXX XXXX can just update my information he needs to be removed from the company because its causing me a lot of stress trying to fix his mistake.

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 2024-02-07 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Allied Financial Services Inc
State: NC

Complaint narrative:
This company told me I needed to have a professional with my case and charged me {$1200.00} and told me 12-20 months for the discharge of my loans. They agreed to assist me until the loans were discharged but it appears that the company has closed and my case is still pending. 

This company is Allied Financial Services-XXXX XXXX XXXX There was also another company called XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation