vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: CBC Companies, Inc.
State: PA

Complaint narrative:
This company violated fair reporting act of 15 US C 1681 government access to consumer reports records and promoted accuracy, fairness and privacy of personal information. They have violated that because I never gave them permission to pull my credit report and then the information that they're providing even the report from you that they sent back to your company is fraud documentation I've been a victim of identity, theft and data breaches so everything in that XXXX  page report is fraudulent. It's fraud it's not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
Blitt and Gaines was not able to locate our terms of agreement where they charged me {$170.00} after already charging me {$120.00} with check # XXXX. They charged me twice which made me overdraw in my bank account. When speaking on this issue and how their website was difficult to navigate, the representative I spoke with, XXXX, informed me their system allows consumers to enter payment agreements that exceed what 'the company ' would agree to. Specifically, those that attempt to resolve debts with more than XXXX payments over 24 months. This admission indicates they are aware of a systematic issue with their payment and agreement processes through their online public website. Despite this, they continue to use this system without addressing the issue. Instead they wait for a consumer like me, to be charged twice, and ask for answers. I am XXXX XXXX. This is avoidable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I submitted a dispute with Experian for incorrectly reporting XXXX XXXX closed my credit card, when it was me who requested the card be closed. Experian verified and was accurately reporting the information correctly as closed by the consumer. Now suddenly their reporting the XXXX XXXX  was closed by XXXX which is 100 % not accurate. I want this updated truthfully and accurately!

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 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Relay Financial (US), Corp.
State: NY

Complaint narrative:
I initiated a {$100000.00} international wire from my XXXX  business checking account ( Relay Online Banking ) to another account of mine in XXXX owned by the same exact XXXX for a purchase of a real estate property in XXXX. 

After XXXX business days the money never arrived and when I asked the bank about it, they asked for a lot of additional information due to the large amount of the transaction. I provided all the information I could, but there was stuff I didn't have, XXXX. a Website, proof of Marketing, Payroll information, etc. ( The XXXX is recently created and does not provide any services as a business, it is meant for privacy and asset protection ) After XXXX business days without any updates on the status of the international wire, the bank reached out to via email questioning other non-related transactions in my account. Those transactions were ACH transfer to XXXX in order to invest some of the XXXX assets in the platform. ( I still have the funds in XXXX ). 

From my understanding the Bank does not handle its own wire transfers, since they claimed that their wire partner is the one requesting all the additional information to the transfer. 

I initially had concerns that their wire partner had unrestricted access to all my transactions violating my privacy. ( But I'm not too sure about this ). 

Recently, relay ( the bank ) reached out to me via email saying that my account is being closed due to my involvement with " crypto ''. Note that I never received or made out payments in cryptocurrency. All I did was fund my XXXX account. 

Due to my account being forcefully closed, they said I had up to 10 days to transfer the remaining funds of the account out. At the time was roughly {$4500.00}, which I transferred to a personal account. But, the original {$100000.00} from the international wire still missing from my account in the XXXX and also from the account that the money was supposed to go to. 

In the bank application, the status of the wire is considered " returned '', but the money is still missing. I have contacted relay bank several times since the past 20 days and they refuse to speak over the phone and state they can only communicate over email. Their responses are ambiguous, not timely mannered and do not provide any helpful support/info. 

The unsuccessful wire and the inability to return my money on reasonable time caused me to lose the real estate deal. This whole issue caused hard ship in my family and disturbance of the XXXX holidays. 

I have reached out to an attorney, but haven't had any luck. Please kindly advise how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year> I sent a certified mail letter ( certified # : XXXX XXXX XXXX XXXX XXXX ). In the letter I requested Equifax to investigate an account that was improperly reported on my report and they failed to do this. The account is still appearing on my credit report and this negatively impacting me. The Credit bureau ( Equifax ) stated that XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is also inaccurate, and the date last report is also not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 which clearly states : A consumer reporting agency can not furnish an account without my written instructions. I have not given such written permission to furnish this account on my credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
A Corporation known as XXXX XXXX  claims to be the " Original Creditor " in association with the DEPARTMENT OF EDUCATION regarding several " debts, loans, and credits '' that I, XXXX XXXX : XXXX XXXX being penalized as " owing '' or being responsible for these allegations. 
I do not know who XXXX XXXX is or how to contact them nor could find any information on who this Organization is? 
The law clearly states Under the 6th Amendment that I have the right to face my accuser. 
In 2004, the Supreme Court of the United States formulated a new test in XXXX XXXX XXXX to determine whether the Confrontation Clause applies in a criminal case. 
I do not know who this XXXX XXXX is and need to be provided with this corporations contact information, who they are insured by and how they obtained this information that is being reported on my consumer report. 
Pursuant USC 1666b clearly states that financial institutions/creditors/XXXX XXXXTHE DEPARTMENT OF EDUCATION may not treat a payment on a credit card account under an open end consumer credit plan AS LATE for any purpose UNLESS the information in Section 1637b was mailed to the " consumer '' not later than 21 days.

I have not received any such notification and these allegations date as far back as 7 years and 8 months ago according the the credit report. 
4 different claims that I, XXXX, the living flesh and blood man " owe '' 1. {$9800.00} 2. {$4400.00} 3. {$4000.00} 4. {$1400.00} The report also states that the Owner of the account is : INDIVIDUAL and the account type is reads : OTHER XXXX XXXX  claims to be the Name of the Original Creditor I have provided some information to assist The CFPB in their investigation in locating this corporation known as XXXX XXXX  so that I can properly address and deal with this in a lawful manner.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-31 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: NC

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. 


Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : 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 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 2024-12-31 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: 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. 


Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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 2024-12-31 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: EdFinancial Services
State: AZ

Complaint narrative:
Multiple payments have been reversed since XX/XX/year>. I am now 8 days from being sent to collections. All payments have been made on time. 

I have called EdFinancial and engaged in chat sessions. Nobody has any answer why Ed Financial is reversing my payments. 

I have contacted my bank and they have no record that Ed Financial has ever even tried to submit the payments. 

I have deleted my bank account, re-entered it per advice from Ed Financial customer service and still they are reversing my payments. I have even attempted to make a payment over the phone. 

I have reached out to an attorney and if this is not remedied immediately I am taking them to small claims court and they will be liable for attorney fees, my late fees and the money it's going to cost me to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
I am writing in response to your letter regarding my dispute over the inaccurate late payment reporting on my credit reports for the account referenced below. 
Creditor Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment Information : 1. TransUnion : Reported late payment for XX/XX/XXXX and XX/XX/XXXX. Which is innacurate! These payments were on time! 
XXXX. XXXX and XXXX : Reported no late payments. 
Basis for Dispute : This account was in fact Paid on XXXX during the disputed periods. I am requesting an immediate correction to the inaccurate 30-day late payment entries to reflect the accurate status of Paid on Time.

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 2024-12-31 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: TN

Complaint narrative:
I got a {$2000.00} American Express Gift Card from work as a bonus. I tried to use it at numerous places but it keeps getting denied. I tried numerous times on XXXX ( from XXXX XXXX {$70.00} orders ) and some went through and half denied. That was about XX/XX/XXXX and XX/XX/XXXX. I also tried at a online website named XXXX XXXX, I don't have proof of that decline but I ended up using my own Mastercard to complete that order. It was for {$120.00}. They had a half off sale for just a few days and wanted to take advantage of that. I also saw on reddit you could do a {$9.00} to reload your XXXX card. I did a few times, and then it started to get declined. I tried a {$500.00} XXXX gift card and it was denied. I also tried using it in person at XXXX on I think XX/XX/XXXX and the card was declined. That was for about {$64.00} or so. I tried to use at XXXX XXXX XXXX and got declined. I tried using one other place but can't remember where but it was declined. I have tried a few places online and in person and it keeps getting declined. It is a hassle and the roll of the dice if the card will work. I still have {$760.00} on my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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 am a victim of identity theft. There were fraudulent inquiries made to my personal credit. I have sent in proof to the credit bureaus numerous times but they refused to have these removed. They are breaking the credit law and neglecting my requests. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! Names of the companies and dates of the inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
Concora Credit Inc. has a monthly fee of XXXX being charged to my accounts in addition to the yearly fee of XXXX. The credit limit of the card is only XXXX, the monthly fee and yearly fee combined at XXXX is over a 25 % limit of fees at this credit limit and amount charged. I called and spoke with XXXX reps about it and they said its in the terms and conditions, but i was unaware the fees were that high.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint directly, with no third party involved. I have attached letters to provide further details regarding the information being reported on my credit report. I have never had a contractual relationship with LVNV Funding, and I believe that XXXX XXXX XXXX XXXX, the original creditor, sold my account without proper notification. This constitutes a violation of FCRA Section 611 due to the inaccurate reporting on my credit report. I request that this account be deleted immediately due to the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
We live in XXXXXXXX XXXX  and affected by hurricane Helene. We had not power, mail service, cell service or internet for two weeks. We were late by one day on our payment. We have called twice to asked for waiver. Both times they assured us the fee would be waived. Our recent statement still shows the fee outstanding. We called again today and they told us the fee would not be waived. We are requesting that the fee be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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 have recently reviewed my credit report and have noticed an inaccurate account from XXXX XXXX XXXX. According to the Fair Credit Reporting Act, I am entitled to dispute information I believe to be erroneous and fraudulent. There is no legal, binding contract with this company in which I have acquired goods or services. For clarity, I have not given my consent and have not provided my signature allowing my information to bought, sold or shared. Therefore, this company has no legal right to this account and my personal information.

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 2024-12-31 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 have recently reviewed my credit report and have noticed an inaccurate account from XXXX XXXX XXXX. According to the Fair Credit Reporting Act, I am entitled to dispute information I believe to be erroneous and fraudulent. There is no legal, binding contract with this company in which I have acquired goods or services. For clarity, I have not given my consent and have not provided my signature allowing my information to bought, sold or shared. Therefore, this company has no legal right to this account and my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Debt has not been validated with reporting company no purchase to rights agreement has been provided. Information also reporting inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I have repeatedly sent investigation requests into several incorrect information on my credit file such as Name, date of Birth, Current address, incorrect previous addresses listed on my credit file. Unauthorized inquiries, collection or charge off, or late payments reflecting on my credit file. The credit bureau chooses to ignore the law and either fail to respond or simply respond with a generic stall tactic letter assuming that the letter was not sent directly by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: PA

Complaint narrative:
This company violated fair reporting act of 15 US C 1681 government access to consumer reports records and promoted accuracy, fairness and privacy of personal information. They have violated that because I never gave them permission to pull my credit report and then the information that they're providing even the report from you that they sent back to your company is fraud documentation I've been a victim of identity, theft and data breaches so everything in that 26 page report is fraudulent. It's fraud it's not accurate.

Company response to consumer: Closed with explanation