vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately FTC report number is : XXXX Accounts are listed in the FTC.

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 2021-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I walked into XXXX XXXX with the intent to exercise my rights as a consumer. I filled what I thought was a consumer credit application and was coerced to put {$2000.00} down cash, no insurance included, and statements sent through the mail for the collection of a loan i had no idea of. Im aware that Truth In lending specifically states the finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a downpayment of cash involved. Insurance wasnt included and all sorts of fees were outside of my finance charge, which is a violation of Truth In Lending. I paid cash and have proof attached. These two corporations and its employees effectively worked together to deprive me from my natural rights as a consumer. WELLS FARGO employees of XXXX XXXX completely had me believe this was a consumer credit transaction. I had no intent to walk out with a loan and harassment through the mails. WELLS FARGO & XXXX XXXX created a false & deceptive loan. Harrassed me through the mails attempting to collect on this alleged debt. WELLS FARGO sent me correspondence in the mail with logos inside and outside showcasing this alleged debt to neighbors, one of which is threatening me with repossession on XXXX. It stressed me out and cause serious mental trauma and on XX/XX/21 my worst fear happened as an associate from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX came and took my property away from me on XX/XX/21. My life has been ruined by this and i have no means of transportation. I cant see my daughter, get food, and take care of every day things. WELLS FARGO has no present right to possession of the property claimed as collateral through an enforceable security interest as I have no liens against me and property is exempt by law from such dispossession or disablement due to my 4th amendment rights. I've tried several times to stop the harassment and threats via mail. They have yet to respond to my letters I've sent. I really need help from the CFPB & Attorney General to get this corporation to respond appropriately to my affidavits.

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 2021-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
There was a credit card account with XXXX, which shows up as FEB-RETAIL in my name and made two attempts to apply for credit with XXXX  XXXX XXXX I received and alert from XXXX XXXX on XX/XX/2022 about the XXXX account. Also, received bill from Genesis with several purchases of XXXX Laptops plus other purchases. I immediately called the company using the phone number on the bill. Once I got through to a Representative the asked for my name, address, phone number, and email address. When the Representative found that the email address was different she immediately connected me to the Fraud Department. I spoke with someone in the Fraud Department who closed the account and stated he would be sending me paperwork to fill out to report the the fraud. Also, I tried several times to reach/call XXXX XXXXXXXX that Saturday, but was left on hold so long several times that I gave up. Although, they applied for credit with XXXX  XXXX the application was denied. They made two two attempts and were trying to get a a quick response from XXXX XXXX, because I received a second letter stating that they did not have to submit twice to get a response. However, it took approximately two weeks for the paperwork to arrive by mail. After speaking with the Fraud Department at Genesis FS Card Services, which was on Saturday I called my local police department. The Police Department sent and officer out to my home and he did a police report. The police officer also, took pictures of all documents I received from Genesis FS Card Services and from XXXX  XXXX. The police officer gave me his badge number, name, police report file number, a contact number, and email address. The police officer told me to call him if any thing else came in the mail or unusual happens to immediately call the police department. I also, reported a strange vehicle parked while the mail was running, I tried to get a snapshot of the vehicles tag, but it did not have a tag. Additionally, the Genesis FS Card Services is on my credit report. I put freeze I my credit with all three consumer credit agencies and disputed the account with Genesis FS Card Services. 

Once, I received the paperwork from the Fraud Department at Genesis I called the police department to set up an appointment with the officer to come back out to my home and sign the the paperwork, so I could have a Notary sign and stamp the paperwork. Next, I called the police department to get a copy of the report to send to Genesis. I spoke with the investigator and she told me to file a report on XXXX regarding what happened to me. 

Honestly, I believe they came to my home and picked up their purchases when no one was home. Plus, we didnt have cameras.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
MY INFORMATION WAS USED TO GET A CAR WITHOUT ME KNOW THIS ACCOUNT DOES NOT BELONG TO ME AND MY CREDIT HAS BEEN NEGATIVE BECAUSE OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit card was lost or stolen while in XXXX, XXXX on XX/XX/21. I didn't realize it until XX/XX/21 at which time I called Chase that evening to report the card lost/stolen. They closed that card and issued me a new card. 

When I received my Chase statement dated XX/XX/XXXX, I discovered unauthorized charges on my account totaling about {$570.00}. I called Chase to report the unauthorized charges and they removed them from my bill. 

Upon receipt of my XX/XX/XXXX Chase statement, I discovered that Chase had added back the unauthorized charges to my account. They sent me no notice or letter. I contacted Chase recovery and they stated the unauthorized charges were made in a suburb of XXXX so they were considering the charges valid - basically calling me a liar. They told me I could provide more documentation and email it to XXXX. In the meantime, they said they would review it again. They did so and sent me a letter via the website stating the charges were still valid and they would not consider them unauthorized charges that could be removed from my bill. 

On XX/XX/XXXX, I emailed a detailed account of where each of the fraudulent charges were made and provided evidence I was not in those areas so could not have possibly made those charges. Within only one day, they sent me a letter via their website stating I had either " notified us that this transaction is valid '' or " had received a benefit from this transaction ''. Both statements were completely contrary to the email/evidence documentation I had provided. 

In summary, my card was lost/stolen, someone used my card to make unauthorized charges, and Chase is forcing me to pay for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
NEED to provide proof that I have given authorization of an accounts on XXXX/XXXX/2021 on my file. This letter is to notify It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, 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:
NEED to provide proof that I have given authorization of an accounts on XXXX/XXXX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, 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: IA

Complaint narrative:
XXXX2021 XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX2021 Made with : Transunion

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XXXX Made with : Transunion

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I see that you guys validated that these inquiries are accurate when I do not even have an account open with these inquires your are reporting. I would like a copy of my written signature, a written copy of the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately permanently delete these inaccurate items I included these inquires in my FTC report & as well as contacted the creditors and bureaus who say they was goin to handle it & remove these inaccurate items under FCRA Section 607

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately FTC report number is : XXXX Accounts are listed in the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately FTC report number is : XXXX Accounts are listed in the FTC.

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 2021-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank took over the servicing of my mortgage during the summer of 2021. They failed to pay my property taxes on time even though it's their responsibility and they require me to maintain an escrow account for this purpose. XXXX XXXX, Georgia assessed a late fee on my property tax account in the amount of {$140.00}. Truist will not provide any details about how or when this amount will be credited back to my escrow account. I am not liable for this late fee yet they paid the late fee from my escrow account. See one of the attached documents showing the late fee assessed by XXXX Co. 

In addition, they claim to have submitted 2 separate tax payments in the amount of {$3200.00} on XXXX XXXX, however, I am only able to see one tax payment for this amount on their website and phone app. I contacted their mortgage and online banking teams three times speaking with " XXXX '' on XXXX XXXX, " XXXX '' on XXXX XXXX, and " XXXX '' on XXXX XXXX. 

None of them would provide details about when my escrow account would be credited back the late fee nor could XXXX or XXXX provide me a copy of the second tax payment supposedly mailed to XXXX XXXX on XXXX XXXX. Neither XXXX or XXXX could correct the web site so I can see the second tax payment on the Truist web site or phone app. See the second attachment showing a screen shot of their broken web site that will not display the second tax payment. 

As the consumer paying for this mortgage, Truist has an obligation to display accurate information about my mortgage account activity. They are not providing me accurate information on their web site nor through their phone app.

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern I disputed an item on my credit report with TransUnion, I filed a certified mail ( tracking code : XXXX ) with the return receipt requested on XX/XX/2021, and from the tracking and after talking to a XXXX agent I confirmed that an agent from Transunion received the dispute on XX/XX/2021. ( I attached the evidence below ) I never heard from them and filed a follow-up letter specifically saying that, ''according to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. '' The second letter ( Follow-Up ) was also a certified letter with return receipt requested and Transunion Received the follow-up letter on XX/XX/2021 and I was able to confirm the delivery was completed on XX/XX/2021 for my follow-up letter to the original dispute. 

Finally, it took TransUnion around 90 days to respond to my dispute and they denied my dispute. I received this letter on XX/XX/2021 about 90 days after my original dispute letter. 


I attached the XXXX delivery date files to and from TransUnion below.

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 2021-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX bank XXXX has broken so many federal laws. they cant close a account they didnt open. according to 18 USC 8 all debt belongs to the government. My name is in all caps which is a fictitious entity. Also they are impersonating a debt collector and a bank cant be a debt collector. I am the original creditor I extended my credit and a bank cant accept fiat currency as money .money is only good and silver. a finance charge is the sum of all charges so I dont owe anything. There is no such thing as a bill. They refuse to open back up my account and put my {$1000.00} back in there which breaks federal law. they cant give me back my {$500.00} I already gave them and they already got paid my using my SSN which is a credit card. Also they are calling me about a alleged debt which is a XXXX violation EACH. I will be sending a cease and desist and a affidavit to open back up my account. I also will be sending a bill of particulars {$1000.00} for each violation that was committed. Capital one already has lost a lawsuit and so many fraud things have been done to natural consumers. If they dont comply to federal law they will be taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I see that you guys validated that these inquiries are accurate when I do not even have an account open with these inquires your are reporting. I would like a copy of my written signature, a written copy of the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately permanently delete these inaccurate items I included these inquires in my FTC report & as well as contacted the creditors and bureaus who say they was XXXX to handle it & remove these inaccurate items under FCRA Section 607

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