vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Moody, Jones & Ingino, P.A
State: FL

Complaint narrative:
I am a person with a XXXX, and I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to protect myself from harassment and discrimination from a company named XXXX XXXX XXXX XXXX and their attorneys Moody , Jones & Ingino , P.A. 
XXXX XXXX XXXX XXXX and their attorneys Moody , Jones & Ingino , P.A. hire people to follow me around and constantly call, mail etc. illegally trying to get information from me, a XXXX person, attorneys consistently have XXXX  me for the past eight years on a CLOSED collection case in XXXX XXXX XXXX and mail me letters threatening to garnish my wages for a car loan from ten years ago that they repossessed after I didnt make three payments on the car loan. XXXX XXXX XXXX XXXX and Moody , Jones & Ingino , P.A. law offices incorrectly and illegally claim I owe over {$17000.00}??? I feel so discriminated against. 
I submitted a Cease and Desist letter to the courts Under the FDCPA, all their attorneys are required to cease all communication with me regarding this expired debt including but not limited to mailing me harassing letters and phone calls. They Continue contact, particularly in the form of harassment, and it is a violation of federal law. I am reporting them to the Consumer Financial Protection Bureau ( CFPB ) and my states attorney generals office. 

Assertion of Rights Against Garnishment Additionally, I am aware of my rights under state and federal law that protect me against the garnishment of my wages, money, or other property, especially given my status as a XXXX individual. The garnishment of XXXX benefits is generally prohibited under the Social Security Act and other relevant legislation. 

Moreover, my financial situation, including my XXXX status, makes me eligible for an exemption from wage garnishment. I request that you immediately cease any attempts to garnish my wages or seize any property, as doing so would violate my legal rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: MI

Complaint narrative:
YES, I am contactacting you to file a Complaint in requards to the XXXX inquires that is on my Transunion Credit report that are inaccurate and out dated. Under theFair Credit Reporting Act ( FCRA ), Section 611, inaccurate, unverifible, or outdated information must be Removed. I have disputed these with the credit bureaus but have not received a proper resulution. I request your assistance in investigating and ensuring these inquiries are removed as required by law.

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 2024-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: OH

Complaint narrative:
I previously submitted a complaint against this company with XXXX XXXX XXXX XXXX and was assured that the necessary corrections would be made to my credit report by the company in response to the complaint. However, the company has gaslit me and ignored further requests after the request to annotate the matter as resolved was completed. This is extremely deceiving and has been time consuming on my end because I'm still fighting for this company to correct these issues and correct the incorrect information that was reported to my credit report that was caused at no blame to myself but the companies limitations for customer service, making a payment and their third-party business partners. I have attached previous correspondence stating that correction to my credit report would be made and this matter considered resolved and it is still not. I just would like them to correct this issue and some kind of oversight to ensure that the promises made are upheld not just for me to close my complaint and consider it resolved. Please help me. I am a military veteran with XXXX, and it is just so disheartening and really exacerbating my symptoms as I continue to be taken advantage of and lied to. I am a single mother doing all I can and businesses like Possible should be fined for the treatment of all the consumers listed on their complaint page, especially those who have honorably served our country and XXXX XXXX XXXX XXXX, so they are able to conduct business safely. Taking advantage is not okay and I should not have to submit another complaint because the other one was not completed. I just need someone, anyone, to help me with this company. Please. The loans in question are from XX/XX/year> - XX/XX/year>

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Missing Funds in the amount of US {$200000.00} I initiated an international wire transfer on XX/XX/year> from my account with JP Morgan Chase. 

Amount : US {$200000.00} ( USD ) Amount to be received by recipient : XXXX ( INR ) Fees : XXXX ( INR ) Total to Recipient : XXXX ( INR ) Sender Name : XXXX XXXX Status as of XX/XX/year> : Missing Funds. All of it. 

I have asked, several times, chase bank and every time I receive same information stating wire transfer was completed on XXXX and the funds were transferred to the receiving bank on XXXX. 

As of XX/XX/XXXX, I'm not sure where my money is and nobody is able to answer with proof of where the money is. I've asked to provide me with a proof of the transfer that was done to the receiving bank by chase but no luck so far ( question has been dodge/ignored every time I asked ). 

It seems to me that Chase is holding the money and not providing any proof. Neither are releasing the funds. It appears Chase is playing games with me and using my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to upload documents to have items removed from my credit due to XX/XX/XXXX. I have called and was advised to call the department directly. I was informed documents were not submitted but I have emails stating it has been submitted. Please review these documents and remove from the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to upload documents to have items removed from my credit due to XXXX XXXX. I have called and was advised to call the department directly. I was informed documents were not submitted but I have emails stating it has been submitted. Please review these documents and remove from the agencies.

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 2024-09-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
I have received multiple letters stating I owe money towards repayment. However, when logging onto my MOHELA account, it states that the balance owed is {$0.00} and that nothing is past due. I have also tried logging into the other MOHELA website ( having two separate websites is another problem entirely ) and it states that my SSN and Birthday don't match so I can't even log in to check. MOHELA has responded once and only stated they're sorry for their bad service, but did not answer anything concerning the discrepancy between the online balance and balance shown on letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinme Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2024 I placed {$600.00} into a CoinMe machine in exchange for XXXX. I received an email at that time confirming my purchase was successful however when I attempted to login to my account it would not work. I tried several times and even tried to reset my password but no luck. Next step was to contact CoinMes customer service dept but it appears they dont have one as you cant get ahold of anyone ever. It took almost a month to get a response out of them and their response was that they terminated my account with no notice or communication. 
I was told to open a ticket for reimbursement of my funds so I did that immediately and provided all the information they requested. This was early XX/XX/2024 and for the next few months they were impossible to reach and when they would respond briefly it was very short and not at all helpful to getting to a resolution. There are probably 100 emails where Ive given them all the information they asked for and provided any documentation they requested and I did this several times over the next few months and as soon as Ive done everything theyve asked multiple times and being told a check is being sent they now spring out of nowhere that the account is in someone elses name so they cant do anything for me now. This is months and hundreds of emails later that they decide to tell me so Ive been patient long enough but enough is enough. I believe they are purposely doing this and committing illegal acts by either taking money and not refunding it at all or theyre deliberately holding funds and using it for their operating needs if theyre low on cash flow and wont survive without it but this is by far the worst customer service Ive ever experienced. I want a complete refund with interest as they had hundreds of chances to give me my money back but they chose not to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EMG ACQUISITION GROUP, LLC
State: LA

Complaint narrative:
I was making payments on time, but they insisted on taking money from my account.then I was hit with an unexpected financial burden .so I had to stop payment, until I could get back on track, but then this month they went into my account unauthorized took the money for my rent and utilities, my untilites are going to be shut off and Im facing eviction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX, XXXX : # XXXXXXXX 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 has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-09-10 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: GA

Complaint narrative:
Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessen my chances of being approved for a home loan when it wasn't me. Reporting these false things is very misleading. You are in violation because you di nit witness me sign for these inquiries or accounts on my credit report.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Section 609 ( 15 U.S.C. 1681g ) of the FCRA grants me the right to access all information in my file, including : A detailed listing of all personal data you have on file regarding me.

The source of the information you have collected.

A list of all individuals or organizations that have obtained a consumer report on me.

A comprehensive record of all inquiries made on my credit report. 
Additionally, I request the identities of all recipients of consumer reports pertaining to me, as permitted by the FCRA. 
To facilitate the processing of my request, I am providing the following identifying information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ITIN : XXXX DOB : XX/XX/year> Please note that I understand, based on your standard procedures, that a copy of my credit report will be sent to me within approximately fifteen days of receiving this request. 

If you require any further information or have any additional steps I need to complete, please do not hesitate to contact me. I look forward to receiving a prompt response and a comprehensive report detailing all the information stored about me in your respective files.

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 2024-09-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the XXXX XXXXXXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to Cushman v Transunion XXXX. Transunion has assumed the responsibility of reporting consumer information to the best of their ability to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.

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 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ), explains no consumer reporting agency may make any consumer report containing any adverse items 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 ), states a person shall not furnish any information relating to a consumer to any consumer reporting agency knowing or has reasonable cause to believe that the information is inaccurate. I reviewed my Consumer Reports and noticed that I had ONE late payment on an account that I have never been late for. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Update the account to PAID ON TIME and NEVER LATE. Or remove it from my consumer report.

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 2024-09-10 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: OH

Complaint narrative:
I previously submitted a complaint against this company with the XXXX XXXX XXXX and was assured that the necessary corrections would be made to my credit report by the company in response to the complaint. However, the company has gaslit me and ignored further requests after the request to annotate the matter as resolved was completed. This is extremely deceiving and has been time consuming on my end because I'm still fighting for this company to correct these issues and correct the incorrect information that was reported to my credit report that was caused at no blame to myself but the companies XXXX for customer service, making a payment and their third-party business partners. I have attached previous correspondence stating that correction to my credit report would be made and this matter considered resolved and it is still not. I just would like them to correct this issue and some kind of oversight to ensure that the promises made are upheld not just for me to close my complaint and consider it resolved. Please help me. I am a XXXX XXXX XXXX XXXXXXXX, and it is just so disheartening and really exacerbating my symptoms as I continue to be taken advantage of and lied to. I am a XXXX  mother doing all I can and businesses like XXXX  should be fined for the treatment of all the consumers listed on their complaint page, especially those who have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so they are able to conduct business safely. Taking advantage is not okay and I should not have to submit another complaint because the other one was not completed. I just need someone, anyone, to help me with this company. Please. 


The loans in question are from XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>

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