vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
WE WERE WRONGFULLY AND ILLEGALLY EVICTED ON XX/XX/XXXX, FROM OUR HOME LOCATED AT XXXX XXXX XXXX XXXX XXXX GA XXXX. PERSONS WHO WORK AS STRAWBUYERS FOR XXXX XXXX GEORGIA XXXX AND CORRUPT LAWFIRMS SUCH AS XXXX XXXX AND XXXX XXXX ARE STEALING MINORITIES HOMES AND NOW WE ARE XXXX. AS YOU ARE AWRE OUR CASE IS HUGE CONSISTING OF EXCESSIVE MORTGAGE FRAUD, BUT EVERYONE INCLUDING THE DA 'S, SHERIFFS DEPARTMENT, JUDGES, CLERK OF COURT AND OTHER ARE IGNORING THIS. WE KNOW IN THE LOCAL STATE, MAGISTRATE AND SUPERIOR COURT ALL OF THE JUDGES ARE PAID OFF TRUST AND BELIEVE THAT XXXX XXXX IN XXXX XXXX IS THE KEY JUDGE, HE HAD ALLLLLL OF THE CORRUPT CASES IN HIS COURT ROOM ON XX/XX/XXXX, EVEN THE CORRUPT LAWYERS/LIARS WHO I FOUGHT WITH IN BANKRUPTCY COURT IN THE SAME COURT ROOM WITH THE SAME REAL ESATE APPRAISER ON VARIOUS CASE AND OF COURSE XXXX RULED IN ALL OF HTE LAWYERS/LIARS FAVOR. 

SINCE, EVERYONE IS SAYING WE NEVER HAD MORTGAGE FRAUD BECAUSE WE WE XXXX AND INCOMPENTENT THE FRAUD WAS IGNORED AND NOW PERSONS FROM XXXX WORKING FOR XXXXXXXX XXXX AND ALL OF THE CORRUPT JUDGES AND LAWYERS/LIARS IN GEORGIA. BOTHE THE DA AND THE CORRUPT SHERRIFF OF XXXX XXXX MUST VACATE THEIR OFFICES IMMEDIATELY. THE MORTGAGE FRAUD ON THESE HIGH END HOMES AS IT XXXX XXXX TO MINORITIES IS SO SEVERE, AN ATTORNEY IDENTIFIED XXXX WITHIN THE DOWNS SUBDIVISION, WHICH IS WEREW XXXX XXXX XXXX IS LOCATED HAS MORTGAGE FRAUD. I KNEW THIS IN XXXX AFTER WE WERE NOTIFIED AND I INVESTIGATED IT AND SUBMITTED VARIOUS DOCUMENTS TO DOJ. THE MAJORITIY OF THE FRAUDSTYERS WERE CAUCASIANS RESIDING WITIN THE SUBDIVISION. IT IS A MESSSS!!!! 

AGAIN, WE ARE XXXX  : WE ARE REQUESTING THE ORIGINAL PROMISSORY NOTE FOR REAL PROPERTY : XXXX XXXX XXXX XXXX, XXXX GEORGIA XXXX THE FRAUSTERS INVOLVED SIGNED MULTIPLE NOTES, SOLD THE NOTE WE NEVER SIGNED, K FORGED OUR SIGNATURES AND SEPERATED THE NOTE FORM THE MORTGAGE FOR US TO PAY UNTIL WE WERE NOTIFIED.

UNDER FEDERAL CODE 12 U.S. Code 1431 - Powers and duties of banks BANKS CAN NOT LEND MONEY OR ASSSTS AND A REAL PROPERTY IS PAID VIA THE FEDERAL RESERVE BANK AND NO MORTGAGE SHOULD BE PAID. 

WITH THIS SAID SEND US THE ORGINAL PROMISSARY NOTE AND IT BETTER NOT HAVE BEEN CASHED BY ANYONE AS THE ABOVE REAL PROPERTY WAS PAID IN FULL ON XX/XX/XXXX! 

WE MEAN BUSINESS! WE ARE THE CREDITORS AND FORECLOSURE AND CONTRACTS ARE ILLEGAL! 


THE UNITED STATE BRC OF NORTHERN DISTRICT OF GEORGIA ISD ALWAYS IN VOLVED IN THEFT AND WRONGDOINGS! XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, TRUSTEE LAST NAME XXXX, FEDERAL JUDGES XXXX, XXXX, XXXX JUST CORRUPTED! THIS IS WHERE IS ALL STARTED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: MI

Complaint narrative:
This TrueAccord Corp company in violation of the FCRA and FDCPA has been repeatedly contacting me regarding a purported debt that I have not paid. They have not produced the accounting ledger showing the history of all transactions, including the one that allowed them to attempt to collect on this fraudulent account.This account is not mine. I made this company aware that this is the result of identity theft, to which I have completed and FTC identity theft report. To not avail, they continue to harass me conspiring to violate my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
I sent out certified letter demanding immediate removal of those accounts provided in the letter attached which was back in XX/XX/scrub> 2024 which my demands was not met now I demand immediate removal & be compensated XXXX for violating my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
I sent out certified letter demanding immediate removal of those accounts provided in the letter attached which was back in XX/XX/year>2024 which my demands was not met now I demand immediate removal & be compensated XXXX for violating my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 14 ( B ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CL Holdings LLC
State: NV

Complaint narrative:
Credit card was sent to wrong address. I believe my money was spent and would like to report it as I need a replacement card reimbursement to my address please thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection on my file that is not mine. I have been disputing this for months with the bureaus and have received 0 information on this account and no validation or removal. I have filed an Identity Theft report for this account. I do not recognize the company XXXX XXXX XXXX. I have never had an account with them as I do not know what they even offer. 
Please remove this immediately as it is severely affecting my credit file and caused personal distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection on my file that is not mine. I have been disputing this for months with the bureaus and have received 0 information on this account and no validation or removal. I have filed an Identity Theft report for this account. I do not recognize the company XXXX XXXX XXXX. I have never had an account with them as I do not know what they even offer. 
Please remove this immediately as it is severely affecting my credit file and caused personal distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andreu, Palma & Andreu, PL
State: NJ

Complaint narrative:
I have made numerous attempts through Andreu , Palma , Lavin & Solis , PLLC and their Client XXXX Funding to receive the original credit card agreement with my legal signature providing proof of account ownership for an account that I am currently be sued for in XXXX XXXXXXXX XXXX As of today 's date, XX/XX/year>, I still have not received the proper verification of said debt owed by XXXX XXXX or Andrue, Palma, Lavin & Solis. I feel this is an unfair practice on their part. Please see attached complaints filed by consumers against XXXX XXXX through the XXXX for not providing such proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: CA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: CA

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
Basis for dispute : **Inaccuracy of information. The charge off information reported is incorrect. ** Account Name : XXXX, Account Number : XXXX Hight Balance : Different amounts : {$2200.00} ( Transunion ), {$0.00} ( XXXX ), {$1300.00} ( XXXX ). Date of Last Activity : Different dates : XX/XX/XXXX ( Transunion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). Date Opened : TransUnion shows XX/XX/XXXX while XXXX and XXXX show XX/XX/XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with 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 my 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 60 days 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.

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 8

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting a collection on my file that is not mine. I have been disputing this for months with the bureaus and have received 0 information on this account and no validation or removal. I have filed an Identity Theft report for this account. I do not recognize the company XXXX XXXX XXXX. I have never had an account with them as I do not know what they even offer. 
Please remove this immediately as it is severely affecting my credit file and caused personal distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2024 and XX/XX/2024 I made transfers of {$100.00} and {$100.00} from my Wells Fargo account ending XXXX to an external account I paid bills through. The receiving bank reported that they did not receive the transfers, and after quite a bit of investigation I found that they seem to be operating a fraudulent fintech operation with many negative reviews and name changes. 

I promptly contacted Wells Fargo- well within the 21 day period that an ACH can be reversed- to file a claim on these transactions. The phone call was handled by FOUR different representatives both in and out of the United States who told me theyd file the claim properly in order to recall this ACH transaction. That call took well over one hour and thirty minutes with multiple call transfers to incorrect departments. 

I called in two days later to ask why the claim wasnt showing in my online banking dashboard and was told that the claim was denied because Wells Fargo confirmed they had sent the money out. Why I hadnt received the benefit of the funds was not discussed. I then spent another hour on the phone with a series of incompetent representatives who finally sent me to the Customer Advocacy Team. The team member- XXXX- re-filed the claims and assured me they would be handled properly this time and apologized for the great amount of effort I was placing to get a simple claim filed in a timely manner. 

On XX/XX/2024 I received three letters from Wells Fargo : Two saying the claims were summarily denied because they were duplicate claims, and one asking me if I wanted mediation for the improper activity Wells Fargo had committed against me years ago. The irony is not lost on the synchronized arrival of these documents.

Because of the rampant incompetence of Wells Fargo employees we are now outside the time frame to attempt to recover these funds, and thus far my only resource seems to be the second Customer Advocate I spoke with who said shed escalate it- just as the first did.

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