vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Debt Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. The entry in question is a collection account from Merchants Adjustment Service, located at XXXX XXXX XXXX XXXX XXXX AL XXXX. 

I believe this debt is being reported in error for the following reasons : 1. I do not recognize this debt, nor do I have any records of owing this amount.

2. The debt collector has not provided any valid documentation verifying the legitimacy of the debt, despite my formal request. 

Please investigate this matter and remove the inaccurate information from my credit report. Enclosed with this letter, you will find copies of my credit report with the disputed account highlighted and any relevant supporting documentation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect this error to be corrected or deleted from my file and a written confirmation of your investigation findings to be sent to me. 

If additional information is needed from me, please do not hesitate to contact me using the information provided below. Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I filled a dispute with sofi bank checking account and explained that the transactions on Mt account were not approved this is been happening for awhile. I thought I finally figured out how someone was stealing money from my account. I told the bank that all the transactions that were made have used the same terminal id 's which is I think are portable terminals like they have ar XXXX XXXX  over XXXX  in XXXX For instance XXXX  is one of the terminal id 's and XXXX is another terminal ID which is not correct because they are all supposed to have a number in them and XXXX is just unusual as well. I called the bank and told them and they supposably did investigation. They say that if the dispute is longer that 10 days they would put provision credit on my account in which they never did .Than it happened again or did it? I think they did do the XXXX  credit but subtracted instead of added. The first dispute was XXXX XXXX and XXXX dollars that was for XXXX months before the second one which it looks like they subtracted instead of added. Same amount that's odd but when I call the number it seems like they don't put in the right information. I think someone like the thief 's are remoted to my phone which I gave permission one time to help me fill out some paper work at XXXX XXXX  in XXXX XXXX XXXX  a loan place. I didn't think that they elwould stay remoted to my phone. I did not give them permission after the visit to there office to stay remoted now that I think about it why did she want to remote to me when I'm sitting across the desk from her. So I think that there involved with remoting to peoples phones and staling from them instead of helping them they are hurting them. I don't know that much about it but someone keeps stealing from my account and when I start reporting the theft the bank doesn't give me back my money I don't even think they really investigated. Also I'm on a fixed income I collect XXXX XXXX someone sent me a letter saying the were charging me for over payment in which that was wrong and I even filled out a dispute about that. Also I loged into the ssa.gov and it had a statement of how much they had paid me this month and it was the full amount. But on the bank statement it took out the XXXX dollars but the XXXX statement says ithe full amount was payed but like I said it was not the full amount on the bank payment. So I have been really frustrated and in already XXXX  and that what my XXXX is about XXXX and someone keep violating My Privacy rights so they know my XXXX it's like intention to cause bodily injury not just stealling from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX reported inaccurate data and late multiple payments unlawfully according to fcra and Im seeking damages in the amount of {$1000.00} for each inaccurate unlawful report to the which I never authorized them to report on my credit file

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 2024-09-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX  reported inaccurate data and late multiple payments unlawfully according to fcra and Im seeking damages in the amount of {$1000.00} for each inaccurate unlawful report to the which I never authorized them to report on my credit file

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 2024-09-27 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:
FCRA 605B ( 15 U.S.C. 1681c-2 ) Also, ( Requesting Method of Verification ) Dispute letter invoking FCRA 611 ( 15 U.S.C. 1681I ) which forces Credit reporting agency to reinvestigate the items in the initial CFPB complaint and either with in 4 business days of receiving this CFPB complaint, verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at said mentioned credit bureau or delete all contested items in the initial CFPB complaint from the FICO report they maintain. Since we know the credit reporting agencies never contacted the FTC to verify the underlying facts alleged in your identity theft affidavit, failure to disclose the source of your initial verified response, and will be forced to either delete and block all contested items from the credit report they maintain or compensate you for all credit denials attributable to the contested items in question for willful noncompliance and negligent noncompliance with 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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXXXXXX XXXX On XXXX I requested a debt validation letter in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, they have neglected to respond to my request, violating my rights under the law. 

I respectfully request your assistance in ensuring that XXXX XXXX provides the requested documentation or ceases their collection efforts. 

Thank you for your attention to this matter.

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 2024-09-27 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: Kriya Capital, LLC
State: PA

Complaint narrative:
I AM A VICTIM OF FRAUD AND I HAVE IDENTIFIED ITEMS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DO NOT HAVE A DEBT WITH THIS COMPANY. I DID NOT AGREE OR GO INTO CONTRACT WITH THIS COMPANY AND DO NOT KNOW WHO THEY ARE OR WHAT DEBT THEY SPEAK OF

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NC

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of 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 2024-09-27 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of 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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a statement today from Citi related to a credit card that i did not recognize, charging a {$50.00} annual fee. I called the number wondering if this was fraud, and found out that i opened an account in 1997, which sounds possible, even though i am positive i have not used this account in at least 10 years. I do not really know how this is possible since i never renewed any card, so it appears that the expiration date must have been automatically extended. It turns out that this annual fee has been auto-debited from my account all these years, even though the card has been inactive. I believe that a bank should confirm that a consumer wants a card to remain active if they charge annual fees, and i have no idea how this did not expire. 

Eventually Citi closed the account, but it took well over a half hour on the phone while they went through their offers and asked me more questions. The customer rep would not tell me the last time she saw a discretionary charge on the card, nor for how many inactive years i have been charged a fee. I believe that i should be refunded the fees for the years when the card was inactive, and Citi needs to amend their process and explain how the expiration seems to have been extended.

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 monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have requested that XXXX trans union and XXXX send me copies of my credit reports and update my credit scores and I never got any 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 explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have requested that XXXX XXXX XXXX and Equifax send me copies of my credit reports and update my credit scores and I never got any response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-27 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-27 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
In early XX/XX/2024, I stayed at the XXXX XXXX XXXX XXXX, and I encountered severe issues with the hotels accommodations. Specifically, the air conditioning in my room was not functioning, leaving the room uncomfortably hot, As you can see, the XXXX control panel shows XXXX, but this was the maximum it was showing there. It was actually hotter than that. I was forced to open the windows, which let in a strong sewage smell, as well as unbearable noise from the streets and passing airplanes. The hotel staff informed me that no alternative accommodations were available, and it was too late for me to find another hotel given that it was after midnight and I had small children with me. As a result, I was forced to stay under these unacceptable conditions. 

I initially requested a full refund from the hotel but was only offered a 25 % refund, which I declined as it did not adequately compensate for the issues I experienced. I then disputed the charge with American Express, providing them with all necessary evidence, including videos of the conditions and documentation of my interactions with the hotel. 

Despite my detailed submission, American Express granted the credit to the hotel without properly addressing my claim or the evidence I provided. The total charge for the stay was approximately {$300.00}, and I believe this amount should be fully refunded given the failure to provide the service that was promised. I have contacted American Express multiple times, but they continue to uphold the charge in favor of the hotel. 

I am now seeking the CFPBs assistance in resolving this dispute and obtaining the refund I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I noticed on my credit report that there was fraudulent activity across all bureaus. This is effecting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX I started working for a company who provided me with a " Global Cash Card ''. I found out recently via their website that the company was acquired by Wisely by ADP. When I activated the card, I was not aware that I was dealing with Wisely and was not given a breakdown of the conditions and fees of the card. Since then, Wisely had been charging me fees that I had not agreed to or been made aware of. Wisely charged an " inactivity fee '' of XXXX dollars monthly for years at no point attempting to notify me in addition to a Debit. In XXXX of XXXX I was charged XXXX separate " Dormancy Fees '' every few days. On the Cardholder agreement list of fees there is no mention of a Dormancy fee. The total charges amounted to roughly XXXX dollars however, many of my online statements are inaccessible and I'm not certain the total number of fees I was charged. For 3 years I wasn't even aware that I had an account with Wisely never mind that I was being charged a large amount of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], my account with AFFIRM INC was reported as late, which I believe is inaccurate. I made payments on time for both months in question, but the company 's records incorrectly show late payments. I have reviewed my payment history and confirmed that my payments were made within the grace period or by the agreed-upon due dates. 

I contacted the company after noticing the error, requesting a review of my account and a correction to reflect " Paid on Time '' status for those months. To date, the company has not corrected the reporting. 

I am submitting this dispute to have my account updated to accurately reflect the on-time payments for the months in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
There has been inquires that I never made that needs to be removed along with an account i never opened. I am asking that my complaints get evaluated immediately these inquires addresses or account doesn't belong to me please remove soon as possible.

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