vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
Please note We have EXTENSIVE MORTGAGE FRAUD AND IDENTITY THEFT. Real Property XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was stolen from us on yesterday THROUGH XXXX XXXX SUPERIOR COURT. The MAGISTRATE JUDGE XXXX XXXX XXXX was the PRESIDING JUDGE IN THE SUPERIOR COURT who ruled for ALL DEFENDANTS INCLUDING STRAWBUYERS WHO FRAUDULUENTLY PURCHASED THE HOME THROUGH ALDRIDGE PITE LLP. The names of the STRAWBUYERS ARE XXXX XXXX AND XXXX XXXX. 
THE MAGISTRATE JUDGE PRESIDED OVER BOTH CIVIL ACTIONS ON THE SAME DAY AND TIME XX/XX/XXXX AT XXXX. THE JUDGE COMMMITTED FRAUD AND APPEARED TO HAVE BEEN PAID OFF BY XXXXXXXX XXXX  TO ENSURE THE REFERNCE PROPERTY WAS BACK INTO THEIR POSSESSION. IRONICALLY, THE SUPERIOR COURT JUDGE WHICH OUR CASE IS ASSIGNED TO IS XXXX XXXX. CASE NUMBER XXXX AND CASE NUMBER XXXX WITHIN THE SUPERIOR COURT OF XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
ENTITIES AND INDIVIDUALS INVOLVED : XXXX XXXX XXXX, MAGISTRATE JUDGE OF XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX REPRESENTED BY XXXX XXXX AND XXXX XXXX XXXXXXXX XXXX REPRESENTED BY XXXX XXXX WITH XXXX AND XXXX XXXX XXXX WITH ALDRIDGE PITE LLP REPRESENTING ALDRIDGE PITE LLP XXXX XXXX REPRESENTING XXXXXXXX XXXX XXXXXXXX REPRESENTING XXXX XXXX XXXX XXXXXXXX SOME OF THE ABOVE PARTIES AND MORE WERE INVOLVED IN THE THEFT OF ALL RESIDENTIAL PROPERTIES AND COMMERCIAL PROPERTIES AND WERE AWARE OF FRAUD ON ALL PROPERTIES BY OTHERS. 

THE ABOVE INDIVIDUALS HAVE ILLEGALLY ENGAGED IN REAL ESTATE THEFT, FRAUD AND FORGERY. THE PRESIDING JUDGE ALLOWED XXXX XXXX XXXX TO PROVIDE A HANDWRITTEN RECEIPT AS PROOF OF PURCHASE FOR THE PROPERTY. 

ALDRIDGE PITE LLP WAS NOT REQUIRED TO VALIDATE THE DEBT OF THE ABOVE PROPERTY NOR PRODUCE THE ORIGINAL COPIES OF ALL DOCUMENTS WE SUPPOSEFULLY HAD SIGNED. WE HAVE REQUESTED THESE DOCUMENT PRIOR TO XXXX OF XXXX. 

THE JUDGE STATED ALTHOUGH THE WARRANTLY DEED HAD ANOTHER COUNTY, XXXX, WHICH WAS THE INCORRECT COUNTY LISTED AT THE TOP OF THE DEED AND THE HOME RESIDED IN XXXX, HE STATED IT WAS LEGAL BECAUSE WITHIN THE BODY OF THE DOCUMENT IT MENTIONED XXXX XXXX. 

HE ALSO ALLOWED ALDRIDGE PITE TO STATE THEY WERE NOT SERVE PROPERLY WHICH IS A LIE AND ALLOWED THIS TO BE THE BASE FOR DISMISSAL BASICALLY FOR ALL OF THOSE INVOLVED IN THIS FRADULUENT PROCESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
Dear Sir/Madam On XX/XX/year> I send two XXXX wife transfers of {$5000.00} each from my account in XXXX in XXXX to my brother account in XXXX XXXX  in XXXX. On XX/XX/year> both transfers were rejected by bank XXXX and sent back. 
Bank of New York Mellon seized those return payments with no any basis and holding it for more then 2 years using my money Now I received an OFAC license but BNY refuses to make those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX, has violated my rights. 

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.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been a victim of identity theft due to Equifax data breach. I didn't authorize these inquiries on my credit report. I believe someone was trying to gain benefits off of using my social security number. I have not received no benefits from either creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding inaccurate information on my credit report that I have been diligently trying to correct. Despite my repeated efforts to dispute and rectify this misinformation, it continues to be verified as accurate by the credit reporting agencies. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting detailed disputes with supporting documentation to the credit bureaus. However, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I am seeking your assistance in investigating this matter further and ensuring that my credit report reflects only accurate and up-to-date information. I believe that the continued verification of this erroneous data is a violation of my rights under the FCRA, and I am hopeful that the CFPB can help me resolve this issue promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in correcting this persistent error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: Southern Auto Finance Co
State: NV

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding inaccurate information on my credit report that I have been diligently trying to correct. Despite my repeated efforts to dispute and rectify this misinformation, it continues to be verified as accurate by the credit reporting agencies. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting detailed disputes with supporting documentation to the credit bureaus. However, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I am seeking your assistance in investigating this matter further and ensuring that my credit report reflects only accurate and up-to-date information. I believe that the continued verification of this erroneous data is a violation of my rights under the FCRA, and I am hopeful that the CFPB can help me resolve this issue promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in correcting this persistent error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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:
I have sent over 10 FTC reports in to Transunion and Transunion has REFUSED to remove these accounts from my credit report. They always say the company has 30 Days to respond. The companies dont respond in 30 days and Transunion still refuses to remove these accounts. This is a violation of my Georgia consumer rights and Georgia state law. This is also a violation of the FCRA. Transunion is intentionally defaming my credit and reputation in return for a profit from third party vendors they sell information to for credit marketing for their companies. These accounts need to be removed from my credit. They have prevented me from buying a house for the last year now. I am being taken advantage of by Transunion I have no help and they are putting my life on hold. These accounts need to be removed from my credit report immediately.

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 2024-07-18 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: MD

Complaint narrative:
XXXXXXXX XXXX IS SHOWING XXXX ON MY XXXX CREDIT BUREAU WITH ERRORENOUS INFORMATION. THEREFORE I AM REQUESTING THIS CREDIT CARD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD IS SHOWING DIFFERENT AMOUNTS ON ALL XXXX CREDIT REPORTS. AND IT'S SHOWING THE STATUS OF BEING PAID. I AM REQUESTING THIS ITEM TO BE REMOVED FROM 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 non-monetary relief
Consumer complaint received 2024-07-18 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: MD

Complaint narrative:
XXXXXXXX XXXX IS SHOWING XXXX ON MY XXXX CREDIT BUREAU WITH ERRORENOUS INFORMATION. THEREFORE I AM REQUESTING THIS CREDIT CARD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  IS SHOWING DIFFERENT AMOUNTS ON ALL XXXX CREDIT REPORTS. AND IT'S SHOWING THE STATUS OF BEING PAID. I AM REQUESTING THIS ITEM TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX -- INQUIRIES -- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 non-monetary relief
Consumer complaint received 2024-07-18 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:
My account with XXXX was never late! I have had exceptional payment history with 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 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 in months that are reported late 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. 


XXXX 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 explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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 Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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:
My account with XXXX XXXX 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 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 in months that are reported late 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 XXXX  days before the payment due date. 


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

I have requested proof that this information was mailed or delivered XXXX  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 2024-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I was up to date with all my payments with XXXX XXXX XXXX up to XX/XX/XXXX when I had an accident and was unable to make payments I got a XXXX loan deferment where the amount that I owe for 3 months was put on the back of the loan. I then made payments on my loan and according to my records I should only be one month behind the current month XX/XX/XXXX when I called to make a payment I found out I have late fees of {$310.00} and my late fee is only {$40.00} a month. Can you please investigate why my late fees is so high something is not calculating correctly. Also my payment only apply to a partial month of XX/XX/XXXX when I made my last payment. I am also missing a month and a half of payments where did it go? XXXX should be paid in full and I should only owe XXXX. Also I have never received a statement from this company and when I went to the website I can't even find a loan number but I did find a retail number XXXX please look over my account and my payments and tell me what happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: OH

Complaint narrative:
I called the company and spoke with someone about my loan was asked to speak to a supervisor about my account. why was I still paying them money after the had taken over XXXX XXXX dollars from me. The person on the phone said and its in the paperwork about high interest everyday I told the person I was able to look at paperwork from my phone and she continued to rush me to sign the paper. So I told my bank not to give them any more money. I said to the worker the only amount is paid back is what borrow and no other money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On the night of XXXX into XXXX XX/XX/year>, my wallet was stolen. In my wallet, I had XXXX Wells Fargo debit cards. On XXXX card, a transaction of {$300.00} was administered at a XXXX and posted to my account on XXXX XXXX. On the other, a transaction of {$100.00} was administered at a XXXX and posted to my account on the same day ( XXXX XXXX ). These were not done by me as my cards were stolen XXXX days prior. 

These transactions occurred on XXXX XXXX, but weren't posted until XXXX XXXX. 

On the morning of XXXX XXXX, I submitted a police report to notify authorities that my wallet was stolen with important cards inside ( i.e. drivers license, bank cards, etc. ). 

On the same day ( XXXX XXXX ), I called Wells Fargo to submit a claim that my cards were stolen, had them shut off, and ordered new cards to replace them. I also gave them the police report number. 

Upon receiving a letter from Wells Fargo this XXXX that the account with the charge of {$300.00} was deemed a non-fraudulent charge, I called the number on the letter and asked why. I was told that because the charge was made with a chip ( which my debit cards had ) and that I had been online the day of the transaction that it wasn't deemed a fraudulent charge. 

Wells Fargo proceeded to take the {$300.00} back from my account, which over-drafted my account and left myself and my husband without the funds we were saving for groceries and forcing us to figure something else out. 

I sent the police report to Wells Fargo again on XXXX XXXX in hopes the investigation team could review it and change their decision. On XXXX XXXX, I called again to find out their decision and was told that because the claim was already closed the representative said that there was nothing that could be done. 

When needed, I can provide the account information of the XXXX accounts that were stolen as well as more information on other banking cards that were taken advantage of the same day if that will help with the decision. Thank you.

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 monetary relief