vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
My account with Juno.finance was no longer of value to me, so I directed them to send my {$4400.00} back to the source from which I deposited it with them. Three days later, they claimed that " you cancelled the transfer. '' Of course, I did not.

When I complained and let them know that I was filing a complaint with CFPB, they tried to blame their " transfer agent. '' A bank of which I have no relationship, and no prior knowledge. Looks very suspicious to me.

Here is what they said : " As you would have received in the email, currently, ACH transfers, wire transfers, and card transactions are experiencing interruptions due to our bank partner XXXX XXXX  XXXX XXXX. Unfortunately, this happened without any prior notification to us. It seems other partners of XXXX XXXX  XXXX XXXX are facing a similar issue as well. '' I'm very thankful for the presence of CFPB which I know that the Democratic Party made this happen while the GOP used every tactic to kill it, or at least minimize its effectiveness. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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 once again to express my I have recently acquired a copy of my consumer credit report from your bureau and wish to dispute the accuracy and completeness of certain information therein. This information is negatively impacting my consumer report, and I urgently request that you rectify it without delay. 
I trust that a period of 30 days is adequate for your investigation into this matter. Following your investigation, I request an updated credit report, along with the contact details of the individuals who were involved in the investigation. 

I demand that you immediately cease reporting this account as late on my credit report. Failure to comply with this request may compel me to pursue legal action against your agency. 


The disputed information is as follows : 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 non-monetary relief
Consumer complaint received 2024-05-13 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: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2024-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
I am writing once again to express my I have recently acquired a copy of my consumer credit report from your bureau and wish to dispute the accuracy and completeness of certain information therein. This information is negatively impacting my consumer report, and I urgently request that you rectify it without delay. 
I trust that a period of 30 days is adequate for your investigation into this matter. Following your investigation, I request an updated credit report, along with the contact details of the individuals who were involved in the investigation. 

I demand that you immediately cease reporting this account as late on my credit report. Failure to comply with this request may compel me to pursue legal action against your agency. 


The disputed information is as follows : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX and XXXX XXXX used deceptive practices that violated FDCPA in collection of debt. They continue the collection on expired debt, which is a violation by falsely stating they send notice of the XXXX to XXXX through XXXX Mail, which is dated XXXX ( XXXX ) months after serving a garnishment to bank when the notice should be received prior to. This debt was purchased from Capital One Bank back in XXXX. I am an injured worker with low-income wages, receiving state assistance for food and healthcare. I have only been able to work XXXX hours per day, which is XXXX to XXXX hours a week since XXXX. I have told this to XXXX and XXXX a XXXX times ; however, they continue to pursue collection. I want them to stop collection because I am not able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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:
There are errors in my credit profile, which is an unfair treatment towards me. I kindly ask that you examine this problem and make the necessary corrections. I am fed up and tired of these matters, and if there are no updates on my inquiries, I will have to resort to legal means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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:
There are errors in my credit profile, which is an unfair treatment towards me. I kindly ask that you examine this problem and make the necessary corrections. I am fed up and tired of these matters, and if there are no updates on my inquiries, I will have to resort to legal means.

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 2024-05-14 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-14 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mortgage Research Center, LLC
State: NY

Complaint narrative:
My mortgage was bought by a debt collector XXXX XXXX, from my original mortgage company Veterans United Home Loans. I never received a letter from XXXX about them buying my mortgage, and asked them to validate the debt, to show that I actually owed the debt after they purchased it. I asked for the original copy of the promissory note in a notarized letter to both mortgage companies, and they both only sent me a copy of the promissory note, that I and my wife signed at closing on XX/XX/XXXX. I did some studying and found that banks do not loan their assets, so there was no loan. The last Promissory note according to my research, is monetized as per title XXXX1 USC 5118 ( d ) ( 2 ) ,31 USCA 463 and public Law 97-258 ( XX/XX/XXXX. And in accordance with 31 USC 5103 and USC 8, such promissory notes are national Bank currency and thereby coin or currency of the United States, by rule of law, US Supreme Court, and private BAR association statutory Bylaws legal definition. Also 12 USC 1813. These laws clearly state that the Promissory note is monetized or in a lot of cases invested to make money with risk. Giving the above laws to both Veterans United Home Loans and XXXX XXXX, and asking them to verify or validate the debt has been without results, leaving me to where I am now. My last conversation with XXXX XXXX, was with a gentleman who said yes my debt was purchased by XXXX XXXX and that I was sent paperwork to validate the debt.i explained to him that there was no loan, I never signed a check or received a bank transfer to my bank account with the money to purchase my home, so where did the money come from? He just was silent on the other end of the phone and never gave me an answer. When I wrote to Veterans United Home Loans, and to XXXX XXXX, I included all the laws to back up my claim to not receiving a loan such as : 12 USC 83, 15 USC 1601,1602,1611, 1604, and 15 USC 1635. To this day, I have not received the debt validation I asked for and did not pay my mortgage as I told them I wasn't, until the debt was validated. My wife and I are arguing because of this and I would truly appreciate your help in resolving this issue. Thank you for your 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 explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Did not authorize these companies to use my Social Security number this is fraud at this point unauthorized usage for he following accounts .fraudulent accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-05-13 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: MI

Complaint narrative:
Good afternoon to whom it might concern I have a XXXX credit card and a XXXX XXXX XXXX XXXX  XXXX credit card and XXXX card is showing late payments in my account on XXXX on XXXX and XXXX needs to be erased and show accurate XXXX trying to get a mortgage and by law they need to verify information that was ever late or I will take legal actions and ask in court to be disclose and verify. Please remove all late payments of my transition equivalent and XXXX  report because by law neither the credit XXXX neither the companies can report false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: MI

Complaint narrative:
Good afternoon to whom it might concern I have a XXXX credit card and a XXXX XXXX XXXX XXXX XXXXXXXX credit card and XXXX card is showing late payments in my account on XXXX on XXXX and XXXX needs to be erased and show accurate XXXX trying to get a mortgage and by law they need to verify information that was ever late or I will take legal actions and ask in court to be disclose and verify. Please remove all late payments of my transition equivalent and Experian report because by law neither the credit XXXX neither the companies can report false 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 non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Throughout, I've ensured that payments on this account are always made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
Kramer and Frank PC used deceptive practices that violated FDCPA in collection of debt. They continue the collection on expired debt, which is a violation by falsely stating they send notice of the XXXX to XXXX through XXXX Mail, which is dated XXXX ( XXXX ) months after serving a garnishment to bank when the notice should be received prior to. This debt was purchased from XXXX XXXX Bank back in XXXX. I am an injured worker with low-income wages, receiving state assistance for food and healthcare. I have only been able to work XXXX hours per day, which is XXXX to XXXX hours a week since XXXX. I have told this to Kramer and Frank a XXXX times ; however, they continue to pursue collection. I want them to stop collection because I am not able to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Received a random letter from this company whom also obtained a copy of my XXXX credit report stating that this debt is owed.

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 2024-05-13 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-13 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: NY

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$120.00} with XXXX using my Ally Bank debit card. The item I received did not fully match what I purchased. I tried the item out, unfortunately it was defective. I returned the item via XXXX with a return code. XXXX received the merchandice back on XX/XX/XXXX. XXXX is refusing to refund me due to the merchandice being defective. I opened a dispute with Ally Bank. I gave them all the information including the return tracking information. Ally determined that the transaction was authorized and they immediately closed the dispute without informing me. They claim they sent me a notice on XX/XX/XXXX, however I have no record of this. I have a record of them sending me a message on XX/XX/XXXX stating they would get back to me within 10 business days regarding an initial determination. I also have a document from them on XX/XX/XXXX that let me know they are making changes to the online services agreement, but nothing in regards to my dispute. Ally insists there is a second message on XX/XX/XXXX, but I have nothing. Ally has let me know that the dispute is closed and they are refusing to reopen it, despite the fact that they acknowledge that I have returned the merchandice and the merchant has both my money and the defective item. XXXX also acknowledges my return has been received.

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 2024-05-14 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: TX

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 XXXX 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