vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: CA

Complaint narrative:
I was first called by Anfi in regards to owing some sort of debt due to a car accident. The total stating to be {$1500.00} USD. Not only did the man not listen to me over the phone when I was trying to communicate with them but he told me that he would report me and take legal actions. He also told me that only my insurance company could dispute a debt. Which I know is not true. This happened around XXXX of XXXX. I decided to no longer communicate over the phone and send everything through certified mail. I requested proof of the debt along with proof of other information, which I will be attaching below. This letter was sent XX/XX/XXXX. Once I actually did receive a response the only thing that was attached was an estimate. Not even any kind of receipt or proof that I specifically owe that debt. On this packet was a new amount apparently that I owed. This new total was listed at {$3000.00} USD. Why they would tell me I owe almost double what they originally claimed I owed and then not even show any proof of where this is coming from was a total shock to me. I then sent another verification of debt letter in the attempts to identify where this was coming from and why I owe them any money. Not only did they not send any information again, the only piece of mail I received from them was supposedly a discounted offer which they listed at {$1500.00} USD. Not even a settlement of any kind just some sort of discounted offer. This was sent from them on XX/XX/XXXX. I do not owe this amount and they refuse to provide anything Ive asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I do not recognize how this collections account # XXXX is reporting on my credit report. I do not recognize the account number, account status, account high balance, or any late payments associated with it. Everything reported here does not meet FCRA. 

Additionally, this account is listed as a collections account stemming from a charge-off from XXXX originally XXXX I never received a 1099-C for this account. 

Furthermore, this account has been removed from XXXX and XXXX but is still being reported by TransUnion. This is unfair, deceptive, and inaccurate information being furnished on my credit report. This collections account has never verified any of this information and needs to removed 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from self regarding late payments or my account going into default this account is showing as a charge off on my report Self financial is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted 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 non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from XXXX  regarding late payments or my account going into default this account is showing as a charge off on my report XXXX XXXX  is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: SC

Complaint narrative:
You are reporting a DELETED account from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REPAIRED the account listed below as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}

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 2023-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc.
State: AR

Complaint narrative:
My bankruptcy was XXXX on XX/XX/2023. Click N Close is still claiming that there is a pre petition arrearage of {$2900.00}. Because of the claimed shortage Click N Close has not release an escrow overage of over {$17000.00} and is not applying my payments to the mortgage. However the documents attached show that there is no shortage and the mortgage is not in arrears. Attached you will see a notice of final cure from the bankruptcy trustee and the response from Click N Close 's attorney agreeing that the account is current and all pre-petition arrearages have been paid. Also attached is payment history for the pre-petition arrearage along with the notice of discharge from the from the U.S. Bankruptcy court dated XX/XX/2023..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: PA

Complaint narrative:
I do not recognize how account XXXX XXXX is reporting on my credit report. I do not recognize the account number, account status, account high balance, or late payments associated with it. Everything reported here does not meet FCRA. 

Additionally, this account is listed as a charge-off on my credit report, however I never received a 1099-C for this account. 

Furthermore, this account has been removed from XXXX and XXXX but is still being reported by Experian. This is inaccurate information and must be removed immediately. I am entitled to fair and accurate reporting.

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I applied for a XXXX XXXX XXXX Credit card and was denied credit because they couldn't verify my identity. 

I applied on XX/XX/2023 and did not get an instant approval. That day I had an XXXX credit score of XXXX. I called them the next day and they told me to wait for a letter from them. It said they needed more information. I got that letter in about 6 days and I called them back and gave them the information they requested. 

They wouldn't give me an approval over the phone and said to wait for a letter 4 days letter a letter arrived and it said I was denied because they couldn't verify my identity. 

At no time did anyone ask me two send them a copy of my identification all the while I had received two letters to my address on file, on my credit report, and what I provided to them. 

I called back and after talking to several people, they said they did their due diligence and I could reapply if I wanted to. My credit was pulled and I have a hard inquiry which they will not remove. I don't believe that Comenity Capital Bank, parent company for this credit card actually was offering credit. 

I have documention from the XXXX Credit Bureau that my credit was pulled and they also pulled identity information. Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. account. Also you stated this account is reporting accurately, however, I see multiple discrepancies with my credit report, even after your investigation, so not only did you not provide me with the proper paperwork you lied about the information being correct none of your dates or amount match what you said provided to the other 2 credit bureaus if you continue to report incorrect, unverified and made up information I will be reporting this as I have a right to a correct and credit report I asked in the previous dispute you provided me With the information and I didnt receive anything only false updates on the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Date Opened:XXXX Balance : {$700000.00}

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 2023-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: GA

Complaint narrative:
I attempted to open account but was rejected after reading the disclosures. I understand that the bank blamed a third party verification service. I think its because I read the disclosures before signing. This has affected my ability to open accounts at other banks as I am now black listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: IN

Complaint narrative:
XX/XX/XXXX I get a call, ignored it. They left a voicemail. Didn't call back because I could tell it was a scam. Next day I get a email notification of new activity on credit report. XXXX XXXX XXXX put a fraudulent collection on my report. Claiming I had a magazine subscription back in XXXX, paid for 3 months at XXXX or XXXX month and then quit paying. That I now owe them {$910.00}!!! Mind you it is now XXXX, 5 years later.. I never subscribed to any magazines whatsoever! So I asked him who the original creditor, very hurriedly he said the name so that I couldn't understand him 2 times. 3rd time I asked him to slowly say it.. He proceeds to tell me it was XXXX XXXX XXXX XXXX. My credit report had it as ( 01 XXXX  ). So I googled XXXX XXXX XXXX XXXX and nothing came up. I googled XXXX.. Also nothing came up related to publisher center incorporated. Scam scam scam! I googled XXXX XXXX XXXX.. Right underneath them is a XXXX post with many people having the same story and description as I have with similar money amount ( always under {$1000.00} ) with the 5 year difference and with similar and different fake 3 letter companies such as ( XXXX  ) as well as on the XXXX  site. I disputed the reports and just like other people the credit agencies don't do anything!! So next step is to file for identity theft and I got a police report and I'm sending that in now to get these scammers ( XXXX XXXX XXXX ) blocked and removed from my credit report. They need to be stopped and arrested, based off the other people this has been going on for 2-3years now!!

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I recently reviewed my Experian credit report, and I noticed a lot of my personal information is still not accurately represented on the credit report and I am in fear of my identity being compromised. I have previously brought this concern of personal identifiable information inaccuracies to your company in XX/XX/2022 ( US CERTIFIED MAIL Receipt # XXXX XXXX XXXX XXXX XXXX ). 
Experian has a lawful responsibility to follow all provisions within the Fair Credit Reporting Act ( FCRA ). Not reporting the correct personal identifiable information is a clear violation of provision 15 USC 1681 ( a ) ( 4 ). 
I am writing to you to ensure Experian update my personal information immediately or I will exercise my right seek lawful remedies for correction of inaccuracies on my consumer report up to {$1000.00} per violation for Experians negligence to comply with duties imposed by the FCRA willful noncompliance. 
Be advised, it is my complete understanding that 15 USC 1681 ( a ) ( 4 ) is a provision within the Fair Credit Reporting Act ( FCRA ), which sets out the permissible purposes for which consumer credit information may be obtained and used by authorized parties. While the FCRA allows for the sharing of consumer credit information for certain purposes, it also includes provisions to protect consumer privacy and ensure that the information is accurate and up to date.

The right to privacy under 15 USC 1681 ( a ) ( 4 ) means that consumers have the right to control the use of their credit information and to know who has access to it. The FCRA requires that consumer credit information may only be accessed and used for specified purposes, such as for reviewing or collecting an account, for employment purposes, or with the consumer 's consent. 
Additionally, the FCRA requires that consumer credit information be accurate and up-to-date and gives consumers the right to dispute inaccurate information and have it corrected. The law also requires that consumer reporting agencies take reasonable measures to ensure the security and confidentiality of consumer credit information. 
In summary, the 15 USC 1681 ( a ) ( 4 ) right to privacy provides consumers with the ability to control how their credit information is used, and ensures that this information is accurate, up-to-date, and protected from unauthorized access or disclosure. 
There is lawful a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-05-04 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: UT

Complaint narrative:
During Covid, we had a death of one of the primary owners of the house, as well as another family member in the house and sickness prevented me from working for a period of time, and we have struggled financially. We began a forbearance through Flagstar bank in XXXX. In XX/XX/XXXX they set up a Mortgage modification plan where we paid {$1700.00} a month for three months and then they would modify our loan. We fulfilled those payments, and they sent us paperwork for the modification. We had the documents notarized and sent in with our first months check for the modification. They cashed that check and then did nothing and sold our loan to XXXX mortgage with it showing XXXX in arrears and they have been unwilling to honor that loan modification and have filed a default on us. We are trying to work with a HUD counselor, and get some funding from the Utah housing assistance fund but uhaf says they will only help with XXXX and we have to come up with the other XXXX before they will help. All we wanted was to get back to paying normally but no one would help us unless we came up with XXXX or {$70000.00}. My HUD counselor said she thought the cares act allowed for a silent second in this situation because people dont have the money to pay a lump sum. We were hoping to get the promised modification flagstar sent us because the payment was {$500.00} less than the original with half the interest rate. Please any help you can offer would be incredible. Thank you so much. I have documentation for all the modification promises also.

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 2023-05-04 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: PA

Complaint narrative:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX47 XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/

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