vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: TX

Complaint narrative:
Experian Report Number : XXXX Date Generated : XX/XX/2022 Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. 

The information is inaccurate. XXXX XXXX is unable to produce authentic proof that accounts or loan obained belongs to me. Yet they are not correcting the issue. Nor is Experian who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to XXXX. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. All 3 parties ( XXXX XXXX, XXXX, and Experian ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied for the debt, not I ever heard from any of these 3 parties about it until I saw my score dinged by experian. 

I am a victim of all these 3 agencies. All 3 credit bureaus, XXXX, and XXXX XXXX. 

Similar is the case with another reported debt XXXX XXXX XXXXXXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$470.00} This too is not a verifyable debt. I am not sure if information provided to justify this debt is 100 % accurate. 

Under Fair Credit Reporting act, 15 U.S.C. Sec. 1681i ( a ), if anything on reported account is not accurate, the account must be deleted and/or provide me with credible court admissible proof of why the negative reporting against me is justified.

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 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
Hi the medical bills these companies are saying I'm responsible for paying is in -correct my kids father is liable for paying medical bills not me. This is not my first complaint I have been letting them know over and over, but I'm not getting no resolution. Please remove collection! Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TX

Complaint narrative:
Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to Transunion and received a computer response. They dont understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the XXXX data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed please. I also attached the bland computer response i received that did not resolve the problem which is why I am submitting this complaint.

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 2022-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I purchased a vehicle from XXXX in XXXX XXXX at XXXX XXXX XXXX. After doing my own research and checking the vehicles XXXX I found out the vehicle had a lemon buyback title. This was never disclosed to me after going back up to the dealership and having several conversations with them. They informed me that I signed a XXXX History report stating it was a lemon. I explained to them I never did and they printed the document out, after seeing the paper I instantly realized the signature was not mine and I never seen the document. They Forged my signature and never informed me of the vehicle being a lemon. I would of never signed loan documents if they would of disclosed this was a lemon ... This whole loan is fraudulent! Look at the signatures on both of my documents then compare it to the forged lemon XXXX vehicle report. This loan was not made with truth and credibility.

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I refinanced my home in XX/XX/XXXX. When my new loan was set up the mortgage company estimated my property taxes too low. I was not made aware of this problem until XX/XX/XXXX when I received an email saying that I needed to review my escrow statement. When I reviewed this statement, it said that I have to pay {$25000.00} by XX/XX/XXXX or my monthly payment ( which is currently about {$1700.00} ) will go up to {$4000.00} a month. The letter also states that if I do pay the full amount of {$25000.00} my monthly payment will still increase to {$2700.00} a month. The reason I refinanced was to get a lower interest rate and lower my monthly payment. My current lender is Wells Fargo. 

My property taxes for the past three years are as follows : XXXX - {$4100.00} XXXX - {$11000.00} XXXX - {$6600.00} Since XX/XX/XXXX, when I made my first payment to Wells Fargo, I have paid {$500.00} every month towards escrow, over {$700.00} in interest and about $ XXXX in principal. 

I do not understand why or how this has happened. 

I called Wells Fargo and spoke to three different people. They said I should call XXXX XXXX about my property taxes and the only thing they could do is refinance my loan at a higher interest rate to cover the amount owed on escrow. 

I am afraid I will lose my home. I have no way of paying the {$25000.00} and can not afford the increase in my monthly mortgage payments.

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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Banking acct opened with Wells Fargo using my name, email address, ssn and home address on XX/XX/22. This was not me or my actions.

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Good morning, My name is XXXX XXXX, Im submitting a complaint against Experian, XXXX, and XXXX. I acquired my credit reports from annual credit report.com and I put in a dispute on a XXXX  XXXX on my report. I submitted my dispute to all 3 bureaus on XX/XX/2022 asking what method of verification did they use to verify my XXXX and no response after 45 days. After no response I called each bureau and explained to the representatives my concerns and I was told the method was verified through XXXX XXXX. On XX/XX/XXXX I sent a letter to each bureaus to delete the XXXX because I received a letter from XXXX XXXX stating that the XXXX was deleted because it wasnt verified. I received no response from XXXX and XXXX. Experian said they verified it through XXXX XXXX which I dont understand how could they verify through XXXX XXXX if the XXXX dont exist on my 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 explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
Both XXXX XXXX. and RUBIN & ROTHMAN , LLC, through practices relating to the attached matter ( XXXX XXXX. vs XXXX XXXX ) have broken a number of laws including The New York State Bar Association Rules of Professional Conduct and the US Fair Debt Collection Practices Act. 

I received the attached complaint from Rubin and Rothman LLC. that lists Attorneys including XXXX XXXX XXXX. On page two it clearly states XXXX XXXX XXXX XXXX. with the Rubin & Rothman LLC address. When an Attorney uses XXXX. after their name and provides a New York address as their place of business, it unequivocally states that XXXX XXXX XXXX practices law in New York State. XXXX XXXX XXXX is suspended from practicing law in California and New York and in New York with a disciplinary history states as Yes '' I spoke with the RUBIN & ROTHMAN Attorney XXXX XXXX on XXXX. I called at the bequest of the Judge in the case that parties speak with each other. I offered to settle the matter for what the potential cost would be for me to mount a defense- {$500.00}. XXXX XXXX declined the amount to settle and refused to provide a counteroffer stating that : - XXXX XXXX was sitting right next to her and purposefully lied that he was suspended for administrative reasons in NY and not disciplinary reasons - That it didnt matter anyway as XXXX XXXX XXXX was not practicing law in NY as he was practicing law only in Connecticut XXXX 
- " Even if you do prevail - we will just file again and " The debt will never go away During the call XXXX XXXX violated my rights under the US FDCPA by asking for all of my personally identifiable information on a recorded line. I was talking with XXXX XXXX to negotiate at the bequest of the judge as a self represented litigant AND NOT as a debtor. This is a distinction that XXXX XXXX was unable to make as she illegally plowed ahead with her incorrect, wrong and disingenuous agenda that offered unsolicited legal advice, threatening, bullying-and harassing behaviors and hung up the phone call mid conversation after saying we can tell that judge that we spoke. 

I have a long list of illegal and sloppy work and actions taken against me by XXXX and XXXX including insufficient production of records, false affidavits and insufficient service.

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Prior complaints that have been closed without sending to company for answers are : XXXX XXXX Also filing a complaint with the XXXX XXXX for the CFPB for deleting I wish to report and file complaints on employees XXXX in the XXXX XXXX IA XXXX XXXX XXXX XXXX Lead Escalations XXXX XXXX and XXXX XXXX Case Specialist for transacting with me as a mortgage customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I further wish to discredit the business practices of Wells Fargo that are continuously riddled with lack of integrity, underhanded, and deceitfulness that constantly subject them to investigations and fines - internally and externally - including fake account scandals, falsification of internal interviews, anti-money laundering, failure to pay imposed fines, lending practice violations, and the list goes on. 
Why should an institution like this be allowed to operate and why am I being held XXXX as their customer? No person in their right mind would ask a convicted XXXX  XXXX to baby sit for them and that is exactly what I am being subjected to as a customer by their refusal to allow my loan to be serviced by another company with scruples and integrity. They should not be ( https : //www.consumerfinance.gov/ ) Submit a complaint / Complaint filed PRODUCT OR SERVICE Mortgage TYPE Conventional home mortgage ISSUE Trouble during payment process CONCERNED ABOUT FORECLOSURE? 
No HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes MISSED PAYMENTS? 
No allowed to service any loans given the historical track record and treatment of customers and employees alike. 
I am amazed to find that once I filed previous complaints on this institution that to cover their XXXX they completed reviews all of my accounts, past and present, and started " finding '' money that was due to me, even so small as sending me a check to cover less than {$3.00} in overcharged interest, that was rounded up to {$5.00} as a courtesy, on a loan had been satisfied for over 15 years ... .why? STANDARD BUSINESSOPERATION PRACTICES OF WELLS FARGO ... HIDE EVERYTHING AND DO NOTHING UNTILCAUGHT AND THEN COVER OUR XXXX. Why in XXXX 's name is this institution allowed to operate on an ongoing basis? over $ XXXX in fines and violations in the past 22 years and over XXXX violations and convictions.

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 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: OH

Complaint narrative:
Received a collection notice for a " XXXX '' account. 
I have never used or heard of this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Good morning, My name is XXXX XXXX, Im submitting a complaint against XXXX, XXXX, and TransUnion. I acquired my credit reports from annual credit report.com and I put in a dispute on a XXXX  XXXX on my report. I submitted my dispute to all 3 bureaus on XX/XX/2022 asking what method of verification did they use to verify my XXXX and no response after 45 days. After no response I called each bureau and explained to the representatives my concerns and I was told the method was verified through XXXX XXXX. On XX/XX/XXXX I sent a letter to each bureaus to delete the XXXX because I received a letter from XXXX XXXX stating that the XXXX was deleted because it wasnt verified. I received no response from TransUnion and XXXX. XXXX said they verified it through XXXX XXXX which I dont understand how could they verify through XXXX XXXX if the XXXX dont exist on my 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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Good morning, My name is XXXX XXXX, Im submitting a complaint against XXXX, Equifax, and XXXX. I acquired my credit reports from annual credit report.com and I put in a dispute on a XXXX  XXXX on my report. I submitted my dispute to all 3 bureaus on XX/XX/2022 asking what method of verification did they use to verify my XXXX and no response after 45 days. After no response I called each bureau and explained to the representatives my concerns and I was told the method was verified through XXXX XXXX. On XX/XX/XXXX I sent a letter to each bureaus to delete the XXXX because I received a letter from XXXX XXXX stating that the XXXX was deleted because it wasnt verified. I received no response from XXXX and Equifax. XXXX said they verified it through XXXX XXXX which I dont understand how could they verify through XXXX XXXX if the XXXX dont exist on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This account has already identified as fraudulent. The credit bureaus have deleted this account after I submitted a ftc report with other supporting documents. On XX/XX/XXXX the company XXXX comenity bank obtain a copy of my credit report without my permission, only to re report this fraudulent account causing my credit to crash! Speaking directly with XXXX comenity bank has gotten my no where! The account in question was open XX/XX/XXXX. The partial account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, USDOE/XXXX  Account # XXXX, USDOE/XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX business type Finance other than personal, XXXX business type Banks and XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-07-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, USDOE/XXXX  Account # XXXX, USDOE/XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX business type Finance other than personal, XXXX business type Banks and XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Someone used my personal information to obtain a XXXX  XXXX credit card. XXXX  XXXX issued the credit card even though the application address did not match my name and address. The credit card was issued to someone in Illinois, I believe. I have never lived in that state. 
The debt is {$1400.00}. The credit card company turned the debt over to Midland Credit Management. Midland Credit Management is now pursuing collection from me.

Company response to consumer: Closed with explanation