vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDEN 1 CREDIT UNION, THE
State: TX

Complaint narrative:
XX/XX/scrub>XXXX I sent {$1.00} and {$140.00} in error to the wrong telephone number using XXXX on Golden 1 Credit Unions website. I called Golden 1 twice and spoke with the same representative both times. XXXX helped me discover that I sent money to the wrong number and I requested my money back immediately. He said that it should not be a problem, but I was later denied my money. XXXX also walked me through how to delete the wrong number from my XXXX account log. It was a mistake and I explained that I was sending money to my daughter, XXXX XXXX at XXXX. I sent money in error to XXXX. The is some person that I do not know and do not have any dealings with at all, ever with the name XXXX XXXX XXXX. I sent her a text and called her hoping that she would do the right thing and return my money, but she has refused to answer, and ignored by text. 
I just want my money back. Golden 1 has refused to help and I'm stressed out that the bank that I have save my money and had direct deposits for more than 2 decades is treating me so unfairly. I made a typo and it is costing me {$140.00} and that is just not right and I want my money back. It seems that Golden 1 is helping to facilitate people stealing other people hard earned money without any consequences to the person that did not earn the money at all. This is absolutely horrible that this can happen to me and I have no recourse to get my money back. It's like my bank is punishing me for making a mistake and that is extremely poor business practices and predatory. This is the type of thing that cause people my age not to want to use this newfangled apps that are suppose to make our lives better. Until you make a mistake and learn that your bank will not return your money consumers may want to rethink doing business in this way because we will suffer losses and financial hardship when an error is made and your bank refuse to treat you fairly.

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 2024-01-25 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IL

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-25 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: IL

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BQ & Associates, P.C., L.L.O.
State: NE

Complaint narrative:
I made payments on a debt to Brumbaugh & Quadahl for a previous judgement owed. I believe these payments were not reported to the courts. This company then transferred the debt to XXXX XXXX XXXX. The 2nd company garnished my wages for the full amount of the debt not taking into consideration that over half of the debt had been paid prior to the transfer. I consider both companies at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

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 2024-01-25 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: MI

Complaint narrative:
I received my Equifax credit report on XX/XX/XXXX and I noticed some accounts on my credit report are in fact inaccurate and incomplete. Which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) % ( b ), 15 USC 168i ( 5 ) ( A ) ( i ) & ( ii ). I believe honestly that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) 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. They must be blind because XXXX XXXX can see that everything is inconsistent. How can One data furnisher or one source of information. That's coming from ONLY one business, report 3 different information. I have attached supporting documentations to support my complaint. That will prove that in the month of XX/XX/XXXX. This account was Not late nor did it indicate any late delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a car loan from Regional Acceptance on XXXX XXXX. My contract said I was to be charged XXXX % interest on {$14000.00} financed leaving me to pay {$25000.00} by the end of the loan. I have had some payment extensions and late payments causing my maturity date to go from XX/XX/XXXX to XX/XX/XXXX. The contract does state I can be charged a late fee, but I am being charged a {$20.00} late fee plus I'm being charge daily interest of {$8.00} on top of the interest of {$11000.00} I was already charged for the loan. I called and they said it was a fee for being late. Nothing in the contract I had said I would get charged two interest fees or that I would get charged an interest fee for being late on top of the late fee charged. As of today, they are saying I still owe {$16000.00}, and I have paid {$21000.00}. I should only owe {$6100.00} if my loan ends XX/XX/XXXX and that includes late fees. They are charging me over {$11000.00} in additional interest fees for being late that they claim is on my contract but I looked at my contract and there is nothing saying I would get charged additional interest for being late. Only a late fee.

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 2024-01-25 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: MD

Complaint narrative:
There is an account on my credit report from XXXX XXXX XXXX XXXX the account number : XXXX. 
I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between I the consumer and XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from XXXX XXXX as they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery or receipt that XXXX has sent a Debt Validation Notice to I the consumer. Written and verbal communication directed via FDCPA was not provided to I the consumer ; allowing me to properly dispute this invalidated debt. 

Enclosed is an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If no proof of delivery to the address below before XX/XX/XXXXXXXX/2024, I am entitled to compensation of {$1000.00} per violation. Only verified documentation will be accepted for proof that your company followed FDCPA laws. 

Address : XXXX XXXX XXXX, XXXX Maryland, XXXX This is a demand to CEASE AND DESIST as well as a notice of unlawful conduct and failure to distribute proper notice. Please remove this account off all my consumer reports immediately. 

Failure to remove this account off of all my consumer reports and failure to pay the invoice due to I the consumer will result in further legal action as well as the filing of a FTC report for Identity Theft per The Privacy Act of 1974.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent personal information letters to the bureaus urging them to remove any personal information that is incorrect or inaccurate while providing the necessary documents. XXXX and Trans Union continues to report inaccurate names and an incorrect address on my report. 


Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. 15 USC 1681 clearly states : It is policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy, security and confidentiality of its customers non public personal information. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-01-25 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: MO

Complaint narrative:
Experian closed this complaint as duplicate well it's not a duplicate and has its own merit, FORWARDED TO DOJ

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 2024-01-25 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: FL

Complaint narrative:
Over an extended period, I have diligently contested the inaccuracies present within the information provided to XXXX, XXXX, and TransUnion. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate. 

XXXX XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item. 

TransUnion 1. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2024-01-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Over an extended period, I have diligently contested the inaccuracies present within the information provided to XXXX, Experian, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate. 

Experian 1. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item. 

XXXX XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2024-01-25 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: 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I was granted a 2nd chance to do the loan modification which was approved to start XX/XX/XXXX I started making the payments in XXXX of XXXX and have made all three. I just received an email from PHH advising that I have not completed my trial period however this can not be true since it is XXXX of XXXX. I have sent them proof of this. I am being proactive with this at this time due to PHH has sent me through a great deal of hardship. I have sent them copies of all three cashier checks please help. 

If you should need email / document showing proof that they approved me to start my 2nd trail period as of XX/XX/XXXX I can do that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Loancare : # 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 an 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. 

Loancare knows this information posted on my credit report is incorrect. 

Loancare can not produce loan agreements with 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 2024-01-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: Early Warning Services, LLC
State: CA

Complaint narrative:
In Accordance with The Fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
I told the Early Warning Services to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX : Account # XXXX.

Company response to consumer: Closed with explanation