vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: KS

Complaint narrative:
General Obligation : Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or
regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates
State: MD

Complaint narrative:
I moved from a house where I lived on XX/XX/year>. On XX/XX/year> I paid my last bill to the utility, XXXX. My service was turned off on the XXXX of XXXX. I was told I had paid the balance owed. It was not until XXXX, 2024 when XXXX at LJ Ross called me and stated that I owed a bill. I said that I did not owe the bill. XXXX suggested I call XXXX. I called XXXX at XXXX 's suggestion and told a representative at XXXX that I had paid my final bill on XXXX. I specifically said to the XXXX representative I did not owe the bill because I was told by XXXX that the XXXX bill would be my final bill. It was not until I received the call from LJ Ross that I was I told I had an outstanding bill. I then asked to speak with the credit department at XXXX and was told that they do not have a credit department. I spoke with a supervisor - XXXX - XXXX XXXX and she said that the XXXX representative should have been better trained about stating that I had paid the final bill. She said that she could not and XXXX could not do anything about the attempt of LJ Ross to collect the debt for XXXX because the collection matter was sent to LJ Ross. She did not offer to do any investigation. I see that the debt now appears as a collection on my credit reports. I have never received a bill from XXXX after I paid the final bill so I have no knowledge of what that bill is for. I was not requesting a transfer of service, I terminated service on XX/XX/year> and have no need for utility service with XXXX. XXXX at XXXX told me that they tried to reach out to me and had no further address for me but because I was terminating service, there was no need for me to provide an address.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I went on to the Experian website to freeze my credit. After doing this, I was offered a free credit report. I accepted and received the credit report promptly. However, a few days later I noticed a charge of {$26.00} from Experian. When u contacted them, they said I was enrolled in a membership on a trial basis. I never requested this trial nor did I authorize a charge to my credit card. After fighting through various sales pitches from the customer service rep from Experian, I was able to get them to reverse the charge and remove me from any memberships. Apparently, it seems that by accepting an offer to pull my free credit report from Experian, they automatically enrolled me in a service I didn't request or want and charged without consenting or requesting. I received no email or notice from them that this was happening. This type of practice seems very deceptive and fraudulent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: 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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-09-03 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$25000.00} Account Name : XXXX XXXX Account Number : XXXX {$30000.00} and list of Inquiries. 

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 2024-09-03 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: GA

Complaint narrative:
Upon Reviewing XXXX XXXX I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. I appreciate your prompt attention to this crucial 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 non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: AZ

Complaint narrative:
Monterey Financial Svcs, XXXX has attempted to collect an alleged debt for XXXX XXXX XXXX XXXX. This stems I assume from a contract signed in XXXXXXXX XXXX XXXX XXXXXXXX for access to reduced rates while booking vacations with various companies. XXXX XXXX was paid $ XXXX for the service and included a yearly fee. We had another contract with XXXX XXXX which Monterey Financial attempted to collect was setteled by XXXX, in XXXX XXXX. The main reason for the settlement was, we pointed out to XXXX XXXX, the signatures were forged and the contract was null and void in XXXX for violation of numerous XXXX Consumer Financial Laws, especially XXXX XXXX! >>>Rights can not be waived and the company waived our rights. 
This contract was null and void based on the same Laws of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX the contract must include a rescission as required by Law. This Contract does not have any rescission clause. The contract also has numerous violations of these Laws and the Official XXXX Standard XXXX XXXX. The Contract is null and void under various statutes XXXX XXXX, Adhesion Contracts, XXXX XXXX Quarter which renders it null and void due to omissions and inclusions. If necessary I can cite numerous articles from these Laws. 
We requested Monterey Fin provide a contract and they have refused. They have reported debt collection on all credit bureaus in the USA. We request immediate retraction of thse reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: GA

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  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX and list of Inquiries. 

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 2024-09-03 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 2024-09-03 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
Subject : Complaint Regarding Missing Refunds XXXX XXXX XXXX Affirm Dear Sir/Madam, I am writing to formally file a complaint regarding a serious issue involving both XXXX XXXX XXXX  and Affirm. The issue concerns multiple refunds that were processed by Affirm but have not been credited to my closed XXXX XXXX account. 

Background : On XX/XX/XXXX, Affirm processed several refunds to my XXXX XXXX account ending in XXXX, which had been closed since XX/XX/XXXX. I promptly informed Affirm about the closed account. Despite this, Affirm confirmed that the refunds were processed and provided me with the following reference numbers : - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX I contacted XXXX XXXX and provided them with these reference numbers to locate the refunds. However, XXXX XXXX has repeatedly stated that they have not received any funds related to these transactions. 

Details of the Transactions : - Total Amount Refunded : {$200.00} ( 7 transactions of {$29.00} each ) - Date of Refunds : XX/XX/XXXX - XXXX XXXX Account Number ( now closed ) : Ending in XXXX - Affirm Reference Numbers : Listed above Request for Assistance : I am requesting that the Consumer Financial Protection Bureau investigate this matter, as I have been unable to recover these funds despite following all recommended steps. I believe that XXXX XXXX and Affirm are responsible for ensuring that the funds are properly accounted for and returned to me. 

In the message from Affirm, they indicated that if XXXX XXXX is still unable to locate the refunds, I should provide them with a document from XXXX XXXX on their official letterhead confirming this. I have requested this from XXXX XXXX but have not received a satisfactory response. 

It's been XXXX month trying to get my refund. I would appreciate your assistance in recovering these funds and resolving the issue. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
I have sent numerous emails and certified letters to all companies involved without any response. I Have sent letters of validations without any response. XXXX XXXX XXXX  has no evidence that that account belongs to me, and I have also contacted the company, and they too have no account with my name or any official signed document with my signature on it stating that account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: AL

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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