vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
Transunion is reporting an alleged charge-off debt that is not mine. 
DELETE XXXX XXXX CHARGE OFF Due to inaccuracies account number is not the same as XXXX OR XXXX Date opened is not the same as XXXX. XXXX is not reporting this charge off at all. XXXX have DELETED THIS CHARGE OFF. 
DELETE CHARGE-OFF 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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
EXPERIAN IS REPORTING A CHARGE-OFF THAT IS INACCURATE. 
DELETE XXXX XXXX CHARGE OFF Due to inaccuracies account number is not the same as XXXX OR XXXX Date opened is not the same as XXXX. XXXX is not reporting this charge off at all. XXXX have DELETED THIS CHARGE OFF. 
DELETE CHARGE-OFF 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 explanation
Consumer complaint received 2022-05-25 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: AL

Complaint narrative:
EXPERIAN IS REPORTING INACCURATE XXXX CHARGE-OFF. 
DELETE XXXX CHARGE OFF XXXX AND XXXX is not reporting this charge off at all. XXXX and XXXX haveDELETED THIS CHARGE OFF. 
DELETE CHARGE-OFF 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 explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge Pite, LLP
State: FL

Complaint narrative:
UNLAWFUL DEBT COLLECTION performed by Aldridge Pite LLP, NOT Aldridge Pite XXXX, which is their debt collection section/company. As far as I can read under services on XXXX XXXX XXXX website, they do not offer debt collection as far as I can read, but their XXXX company does. I therefor doubt that they even have the license to collect debt in the state of Florida. 
On XX/XX/2019 XXXX Pite send me a debt collection letter. Actually, there was 2 letters in the same package. Both letters are unlawful debt collection letters which was regarding a Prime Equity line of credit, with XXXX XXXX. This line of credit was taken out by my ex-husband, and he was the borrower, not me!!. In the letters they list me as the borrower which is more than false, a direct lie is more accurate. Also their total amount calculation in the letters, are specified different. This specification is not documented. 
I see that this is not the first time that Aldridge Pite practice unlawful debt collection, and we plan on a lawsuit, but also have other matters with this corrupt company, which I'm not ready to disclose at this moment. Both letters are attached..!

I have tried to get information from Aldridge Pite and all correspondence is attached with this complaint. Aldridge Pite DOES NOT acknowledge the fact that I AM NOT THE BORROWER. They also do not provide my requested information, and that includes Aldridge Pite not providing their debt collection license for the state of Florida.

I am sure that you will find this to be a critical case of unlawful debt collection and I am looking forward to your response. Also I am more than willing to work with CFPB supplying more information/documentation if needed. 

I hope that CFPB is a XXXX XXXX, that can assist hard working Americans who is wrongfully treated by Banks, lawyers and other " mastodons ''. I am NOT allowed to ROB A BANK, but it seems that the banks ARE ALLOWED to rob me, or at least try!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Savings account was opened XX/XX/2022 with BMO Harris Bank NA, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, ( XXXX ) XXXX, account # XXXX. I DID NOT OPEN THIS ACCOUNT. It is fraud.

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 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX, a debt associated with XXXX XXXX and XXXX was removed from my credit reports. In XXXX, XXXXXXXX XXXX XXXXXXXX purchased this debt from somewhere. I contacted the credit bureaus to inform them that this was falsely being applied. 

I have never spoken to this company nor had any contact with them. However, they have sought to validate information about me that I have never provided to them. Experian has allowed them to submit new addresses and additional information which I never provided to them to complicity engage in this fraudulent act to cause me financial harm. 

The debt associated with XXXX XXXX XXXX was removed because it wasn't my debt. However, XXXX was removed from XXXX and XXXX credit reports for not having vaild authorization to report to those accounts. Experian chooses not to comply and conspires with XXXX to damage my reputation and inflame defamation of my name.

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 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I filed a bankruptcy that was discharged in XX/XX/XXXX ( see attached and case number XXXX ). 
One debt that was discharged was a home equity line of credit with Wells Fargo Bank for {$20000.00} ( see attached Bankruptcy List of Creditors ). 
In XXXX, Wells Fargo sent a 1099-C debt cancellation form to the IRS for this debt ( see attached ). This was never sent to me but in XXXX the IRS notified me of this and said I owed taxes now as income from this debt cancellation. 

I attempted several times with Wells Fargo to talk to them ; here are my records of those calls : XXXX spoke to XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX ( left message with them- wrong line ). 
XXXX left message again at XXXXXXXX XXXX XXXX XXXXXXXX left message again at XXXXXXXX XXXX XXXX  Called this number which they gave me : XXXXopen until XXXX XXXX ( they told me this was not the right number, this is for student loans ; I never had a wells fargo student loan ). 

XX/XX/XXXX XXXX XXXX- spoke with someone- they did not find the account number listed on their own 1099-C form, looked up by SS # and they found the 1099-C and sent to me.

She says it was a charged off loan but if it was not re-affirmed- they should not have sent a 1099-C form to the IRS. She says she needs me to talk to the bankruptcy team to talk to them.

She gave me this number : Bankruptcy team- XXXX Spoke with XXXX Account # was XXXX for home equity/mortgage XXXX XXXX  XXXX XXXX XXXX XXXX TN XXXX XXXX can not help me. She says I need to go to the back office to help. Total time on the phone XXXX hour and XXXX minutes. She refused to help me or direct me to the back office that she said I should be speaking to.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act Experian Account # 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 a account without my written instructions. 

other credit reporting accounts are XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HireRight Solutions, Inc.
State: AR

Complaint narrative:
My consumer report regarding my criminal record. That has been expungement by the court. I will submit the paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: NC

Complaint narrative:
On XX/XX/2022, an inquiry appeared on my account from Experian Business Cred. I didn't know why this appeared on my account. 

FYI, I have a fraud alert on my credit report but did not receive any alert that someone was trying to utilize my information or that a company associated with Experian was making a credit inquiry of my profile. 

I contacted them and sought to have it removed. They refused. I again contacted them to ask where this inquiry came from and it was stated from a Business gas company. 

Mind you, this is my personal credit report. I contacted the company Fuelman and they informed me that they don't have any record of this conduct. 

I believe theirs fraud being conducted internally with Experian.

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 2022-05-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear CFPB, Thank you so very much for taking my complaint, I am truly grateful. I have attempted in every way possible to dispute Late payment errors that never occurred with My XXXX  Loans which has been in deferment/income-based repayment since I XXXX  in XXXX, I was never ever late because no payment was ever due. All 3 credit Bureaus refuse to correctly investigate and remove these late payments, they are reporting them incorrectly and the lates doesn't make any sense as to how they are reporting them, starting off with late 120 days, then okay, then another 120 days, then okay, late 180 days, etc. recordings that's totally unheard of and totally impossible, this is not possible for a payment was never due, they have the same account listed over 15 times on my report with the same number but with different amounts. I have asked to remove all the closed XXXX  loans accounts, they are incorrect and they have refused to do so per my request per certified return receipt requests, I request this 60 days so far, every 30 days and still nothing. They take away XXXX points for 1 inquiry and never restores those points within 90 days as promised. I asked for the contact information to whom they spoke with, nothing. I have sent in proof of My HIPPA violation by XXXX XXXX  of my Medical Debt information, per what they supplied to me that they ( XXXX XXXX- they could not provide me a Debt Validation, they sent medical information without a HIPPA relation ) were sent from the client, they refuse to remove. I have requested all old addresses and old phone numbers to be removed, I have been at my present address for over 9 years and I have had my current phone number for over 10 years. They insist on not removing Alias of my name, I have never ever went by any other name then XXXX XXXX XXXX, never, and I have explained and explained and the Bureaus refuses to remove this incorrect reporting data. At this point, In accordance with the Fair Credit Reporting Act Equifax, XXXX, and XXXX has violated my rights as listed below : 15 USC 1681 Section 602-States I have the right to privacy.

15 USC 1681 Section 604 A Section 2-It also states a consumer reporting agency can not furnish a account without my written instructions I am sure they are violating many more of my rights, these are just the ones I have found so far, the Credit Bureaus ( all 3 ) are targeting me just to keep my scores low and this is the behavior that is not acceptable. 

Resolution, all the late payments on my XXXX  Loans be removed Resolution, XXXX XXXX be totally Deleted off my account Remove all old addresses and name alias Thank you so very much, for your assistance is greatly appreciated. 
With Respect, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, 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:
I contacted Experian to inform them that the XXXX XXXX XXXX account should be deleted as fraudulent. The problem is as followed : I contacted XXXX  after they reported late payments to my credit report. XXXX  system operates where they are connected to the consumer 's bank account and withdraw payments every thirty ( 30 ) days. I emailed a technician back and forth telling them that there was a problem with their application. ( please see history of Emails ). They never fixed the issue. Subsequently, they charged off the account to save face for their improper business practice. 

I disputed this error. It has been removed from my XXXX and XXXX report. However, Experian refuses to comply showing deliberate intent to remain complicit in causing me financial harm. They have circumvented the law and poses as a critical partner in helping fraudulent company defraud the Government and Consumers. 

XXXX XXXX XXXX does not have the right to write this debt off as they failed to fix an issue that is widespread news. ThXXXX XXXX XXXX XXXX  have received thousands of cases pertaining to this same issue and Experian turns a blind eye to such information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions. 

other credit reporting accounts are XXXXtransunion.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions. 

other credit reporting accounts are EquifaxXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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:
XXXX XXXX last 4 ss XXXX Equifax, XXXX, XXXX Are reporting inaccurate Fraudulent accounts on my Credit. I have filed multiple disputes regarding these accounts and they refuse to remove and provide me with how they obtain the information and what information the obtained to show that I'm the one responsible for the debt. They even have several inquiries on credit report that don't belongs to me either. According to FCRA Rules and procedures and I quotes If any credit Breau fail to remove Fraudulent or inaccurate accounts that's being reported on credit report I have the right to sue them in Federal Court. Therefore I'm once Again requesting that the following items be removed from my credit report immediately. 
1. XXXX Loans ( Fraudulent ) identity theft 2.XXXX XXXXt ( error on report this has been paid it shows In collections ) 3XXXX ( Fraudulent ) Identity theft 4. XXXX XXXX ( Fraudulent ) Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I attempted to talk to XXXX XXXX at Wells Fargo Home Mortgage around XX/XX/XXXX. There is a recorded conversation stating if I was concern about my escrow we can do a trial escrow run. The trial escrow run was not going to affect me till the XX/XX/XXXX escrow will be ran. 
I get notified less than 30 days in XXXX of XXXX that I have a escrow shortage of {$130.00}. I was shocked. I never even called in yet to do a escrow trial and Wells Fargo decided to illegally ran my escrow which they did this malicious. I placed a call to XXXX XXXX again and did not get a return call till 10 days later which their policy should be returning phone calls within 48 hours or so. 
XXXX XXXX offered 24 months to cover the shortage but the payments will be from {$840.00} to {$860.00}, unless I pay the shortage will be only {$850.00}. I don ; t see how this will help the consumer when I be paying XXXX more and when the XXXX Escrow comes I be paying even more. This put me in a financial hardship. This only benefits Wells Fargo not the consumer with the higher payments and less than 30 days till XX/XX/XXXX. I then received my XXXX escrow which again did not except over {$100.00} I only expected at least {$50.00} I do get it that things went up but the XXXX escrow I should have been offered a better deal instead offering me to pay more than what normally it would be if paid in full. I don ; t need a breakdown on what went up, I already know this but the malicious and illegally ran escrow in XXXX should never happened.

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 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
At the beginning of this year, 2022, I applied for an received a home loan and intentionally avoided the XXXX  of the industry such as XXXX, XXXX, and Wells Fargo as I do not work with companies that XXXX  their customers and have unethical business practices. I have had prior loans with both of those companies and as a consumer with free choice, I have avoided those companies. 

Come to find out my loan was sold to Wells Fargo and I contacted them and was told that I have no choice. I DO NOT want Wells Fargo servicing my loan or have any dealing with them in any way shape or form - they can but refuse to submit my loan for reservicing by another provider. As I am consumer with good credit and payment history, I am being discriminated against by their refusal to let go of my loan. There is so much red tape in Florida for anyone having their loan with Wells Fargo and I want no part of that company, which should be my right as a consumer in a free country.

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