vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Hello, I sent XXXX, XXXX, and Equifax letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NM

Complaint narrative:
Hello, I sent XXXX, Experian, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC
State: TX

Complaint narrative:
In the reply from Flagship ; Flagship attached documents that I have never seen it looks made up because I never signed a agreement with Flagship to add to that Flagship sent me a Adverse Credit reaction Flagship does not lend to person without a valid license, my license were suspended indefinitely until XX/XX/2023 it is Flagship policy not to lend to person without license XXXX XXXX XXXX per there policy for lending requirements. I am not exactly sure how I would enter into an agreement with Flagship because they would not finance me. My dealing was strictly with the dealer only I suggest Flagship to recover any funds from the dealer if indeed funds were paid out on my behalf. I had the car nearly a year Flagship started reporting to my credit in XXXX and was deleted from my credit in XXXX. I have talked to an attorney whom advise me this was a civil matter because Flagship state they perfected the lien its my understanding a lien can not be perfected if the lien holder was never on the lien. I would like Flagship to provide real proof that XXXX XXXX XXXX enter into an agreement with Flagship as stated.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX, 2022 {$130.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: IL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo recently settled a lawsuit brought against them by you all for over 2 billion dollars, My mortgage from 2011 Account number XXXX for a property at XXXX XXXX  XXXX XXXX XXXX, GA XXXX. Which qualifies for the mortgage damage payment. 

I also currently have bank accounts with Wells Fargo. Last month all of my money just disappeared out of my accounts and when I tried to log in via the mobile app there was a bunch of letters and numbers. Like my account had been hacked. My actual banking information did not show up. So they actually owe me money for overdraft fees and my account being hacked. 

Wells Fargo owe me at least {$60000.00} from this damage fund.

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 2023-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
As of XX/XX/XXXX my loan was paid in full for the amount I originally agreed to pay, not a short sale or anything less that what the loan was agreed on. I previously had a modification on loan in XXXX. The information being provided in the matter of late payments past 90 days has negativity impacted me in my ability to be approved for housing. I'm a father that is struggling to relocate and find a home given the information that is being reported by Planet Home Lending. After speaking with several representatives from Planet Home Lending, they denied my request for deletion off my trade-line. 

I explained how the reporting impacts me and holing me back from moving forward in life. The response from Planet Home Lending was to show the the attached document stating that the loan is paid in full.This document means nothing because the I will continue to be denied given the number of late payment beyond 90 days. It's inappropriate to report negative information given the fact that the business relationship is OVER. I have fulfilled my agreement and I'm simply asking for Planet Home Lending to DELETE all reporting off my trade-line immediately. This company has no right to still report on my credit given that my loan is paid in FULL. It makes no sense to negativity impact an individual that have resolved the loan, we have no more business therefore that company has no right to appear on my credit report. This is harsh, cruel and uncalled for. I'm being judged and denied for a business matter that I have fulfilled and no longer have any ties to. Can someone please help me in working to delete the reporting of payments that exceeded 90 days. The reality is, no one will take a chance on me given the information this company is reporting. Planet Home Lending did inform me that the plan to report to the 3 credit agencies on XX/XX/XXXX that this loan is paid in full. That not enough for me, I need this line item deleted off my trade-line. A logical, reasonable and ration individual would understand the impact and made the right decision. I pleaded my case to several individuals for the company to call me and tell me that they would not honor my request for deletion. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXX/XX/XXXX {$280.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-01-27 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: IL

Complaint narrative:
I have a collection from XXXXXXXX XXXX I have never opened this account with XXXX XXXX  both, the credit bureaus and creditors failed to send out physical documentation stating the DEBT belong to me.

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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Barclay Mastercard has been set-up for monthly autopay since XXXX. Barclay Mastercard extracts payments from my XXXX XXXX XXXX  in the amount of {$19.00} monthly for payment charges from the merchant, XXXX totaling {$19.00}, therefore resulting in a XXXX XXXX. As of XX/XX/XXXX, Barclay Mastercard has not applied the {$19.00} auto payments to my account, resulting in my balance rolling over in the amount of {$39.00}. Spoke with several reps only to be disconnected and told they could not figure out the problem. Finally, spoke XXXX, XXXX, who stated he was going to XXXX a {$40.00} credit on my account to offset the charges. However, only XXXX cents was applied on XX/XX/XXXX to my account. Contacted Barclay Mastercard again several times only to be disconnected and told they are unfamiliar with the problem. Due to either a system error or fraudulent practice I have a balance sitting on my account in which I have issued payment for totaling {$39.00}.

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 monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: ASSURANCE FINANCIAL GROUP, LLC
State: SC

Complaint narrative:
In XXXX of 2022, I received a letter confirming my approval for a COVID-19 Combination Partial Claim and Loan Modification, along with a packet of documents that needed to be signed, dated, and returned ( please see attached ). However, XXXX of the co-borrowers on the original loan had died and needed to be removed from the COVID-19 Combination Partial Claim and Loan documents before they could be signed, dated, and returned. After notifying Assurance of the co-borrowers death, they instructed me to email his death certificate along with the Deed of Recording for the property to loss mitigation. I was also instructed to start making the Modified Monthly Mortgage payment that was stated in XXXX letter ( {$1300.00} ) while I waited for the corrected documents to be drafted for me to sign. It was conveyed to me that unless I could not afford the new modified monthly mortgage payment, the amount would not change on the corrected documents. 

In XXXX of 2022, I received a letter stating that I had advised Assurance that I was ready to resume making regular mortgage payments. This letter was only accompanied by copies of the Subordinate Note and Mortgage or Deed of Trust forms that still had the deceased listed as a co-borrower ( see attached ). After receiving this letter, I contacted Assurance to notify them of the following : XXXX ) The letters opening statement was incorrect. I did not advise Assurance that I was ready to resume making regular mortgage payments. I did however notify Assurance before the end of my loans COVID-19 Forbearance period that due to a reduction in my income, I would NOT be able to resume making regular mortgage payments. This was why I requested and was approved for a COVID-19 Combo Partial Claim Loan Modification. 
XXXX ) I received the wrong packet. It did not contain a COVID-19 Combo Partial Claim Loan Modification. It only contained a Subordinate Note and Mortgage or Deed of Trust forms to sign, date, and return. 
XXXX ) The Subordinate Note and Mortgage or Deed of Trust forms I received still had the deceased co-borrower listed on the loan. 

Assurance responded by stating that new documents would need to be re-drafted with the above stated corrections and this would take approximately XXXX months. However, I never received any new documents. Instead, I received notice in XXXX that my home was in default and is now currently on the verge of foreclosure. Please advise as soon as possible on any next steps I can take at this juncture to save my home.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX has continued to create roadblocks to my checking my report with EQUIFAX. Please investigate this repeat offender. This company has exposed my information in a day breach and I have had problems with the consumer report, receiving credit and other issues. I've had lots of mental anguish. I am worn with this company and the fraudulently activity committed against me. Please make this matter public. This credit reporting agency has allowed several companies to access my consumer file on an unauthorized basis a total of XXXX  times, so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: TX

Complaint narrative:
The school was closed and all student loans were suppose to be forgiven due to school closure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scratch Services, Inc.
State: FL

Complaint narrative:
I received a letter from Scratch Services , Inc., a 'Notice of Default and demand for Payment '. This was supposedly about an XXXX XXXX # XXXX for {$10000.00}. The loan was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX. This was the first notification I have received about this SBA loan, from anyone. I never applied for or received any funds from this loan. An SBA OIG complaint has also been filed. Complaint ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-01-28 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: PA

Complaint narrative:
EVERYTHING ON MY EXPERIAN REPORT IS INAACURATE, FRAUDULENT! I REACHED OUT TO EXPERIAN SEVERAL TIMES IN REGARDS TO MY REPORT AND MY INFORMATION BEING COMPROMISED! NO RESPONSE! EXPERIAN HAS XXXX DIFFERENT ADDRESSES, XXXX DIFFERENT NAMEs and a bunch of Other information that is inaccurate! I HAVE XXXX NAME AND LIVE AT XXXX ADDRESS! THERE ARE ALSO SEVERAL ACCOUNTS THAT WERE FRAUDULENTLY OPENED UNDER MY PROFILE! EXEPERIAN HAS NEVER GOTTEN MY WRITTEN CONSENT TO PUBLISH ANY INFORMATION AS SUCH ON MY BEHALF! I HAVE SENT MULTIPLE DOCUMENTS PROVUNG MY SELF and RESIDENCY! By LAW THIS IS FRAUD AND EXPERIAN CAN BE FINED FOR EVERY VIOLATION!

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 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have not applied for a comenity card. I had fraudulent international charges on this account. I have asked for the charges to be removed-XXXX times in writing. They removed the charges then charged me a late fee. I paid the late fee because I did not want to ruin my credit. Now I get a bill today for {$160.00}. They reinstated the fraudulent charges. They do not answer their phones and they do not respond to my letters

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
I received a collection notice from AFNI about a bill from XXXX XXXX XXXX ( XXXX ). I contacted them by phone to let them know that i have never had an account with XXXX XXXX XXXX. They advised me to file an identity theft claim. After doing so, I received another letter from AFNI informing me that XXXX XXXX XXXX determined the account to be valid but did not send any proof, other than the letter attached, or their method of validation. Which is unacceptable. I am exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all validation to investigate this matter. I am absolutely positive this erroneous item does not belong to me and should be removed from my credit report, along with all other files in connection to the account, immediately. 

Please see attached letters : AFNI collection notice AFNI fraud response

Company response to consumer: Closed with explanation