vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
The issue involves the reporting of a charged-off account and the failure to provide the required Form 1099-C for canceled debt. A formal request was made for the issuance of Form 1099-C to ensure accurate reporting of the canceled debt, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided.

It has been noted that once a debt is canceled and a Form 1099-C is issued, the credit report should no longer show a remaining balance due. However, the status of the account has not been updated to reflect this. Relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ), Internal Revenue Code ( IRC ) Section 6050P, and others, were cited to emphasize the importance of accurate reporting and compliance with legal requirements.

The resolution requests include the issuance of Form 1099-C within 30 days, immediate deletion of the reinserted charge-off from the credit report within 45 days, and compliance with the Servicemembers Civil Relief Act ( SCRA ) within 60 days, among others. Failure to provide Form 1099-C within the specified time frame may result in the filing of IRS Form 3949-A. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NE

Complaint narrative:
I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The letter stated that '' Your XXXX XXXXXXXX XXXX accounts were acquired by XXXX XXXX XXXX and placed with this law firm for collection. At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. " So I made a phone call to the the said company on XX/XX/XXXX and able to talk to XXXX and she was the one who told me that it was about an XXXX XXXXl. Right there I told her that I was never in the XXXX XXXX XXXX XXXX XXXX so I requested a copy of the bill. I received a letter on XX/XX/XXXX with a bill and an accompanying letter stating that they received my dispute regarding the validity of the above account. Enclosed is the verification from the current creditor, XXXX XXXX XXXX. So I made a call back to the company on XX/XX/XXXX and talk to XXXX, he is in TX, and the time is about the XXXXXXXX XXXX, I asked him if he has number For XXXX XXXX XXXX, his response was he doesn't have. I told him how could this be that you got my account from XXXX XXXX then you don't have a number. So, I XXXX XXXX XXXXXXXX and was able to get in touch with XXXX, this was done on the same date about XXXX : XXXX. XXXX stated that we are not the one, a lot of people had been calling us, we sell XXXX So I called XXXX XXXXXXXX XXXX and was able to talk to XXXX abouXXXX XXXX XXXX and asked her if they have sold my account to XXXX XXXX XXXX, she told me that they forward billing to XXXX in XX/XX/XXXX and did not sell my account to XXXX XXXX XXXX. 
Regarding XXXX I have payment arrangement with them for $ XXXX until my medical bill is paid and be taken Automatically from my bank account. 
So, I called the Bluhm law firm and told them about what I found out. talked to XXXX then I was forwarded to XXXX then transferred to XXXX XXXX where I told her about what I researched and then I asked her a phone number for XXXX XXXX XXXX which she gave me a number of XXXX XXXX XXXX which she said that is their client, when I XXXX  it, it wasn't even XXXX XXXX, it was a company called XXXX XXXX, XXXX. This is the reason I am filing a complaint because they have used company that sells XXXX and not medical accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
This is my 5th attempt to try to fix this matter with my credit report CFPB. Rocket Mortgage is making my life a living XXXX with the error they put on my credit report and wont update. I havent been late ever. even with the late payment they have reported there is no other lates on there. I tried calling them to resolved the issue they keep playing games. With them reporting this late payment for over a year i havent been able to refinance my house, buy a new car for transportation or get a loan for my wedding. I am in therapy due to them defaming my character and reporting false information. Im at the breaking point and they think its funny for them due this. 

I also have reason to believe that they are in violation of not adhering to the reasonable procedures of congress to provide certain information thats required by section 1637 ( b ) of title 15 USC by having it mailed or delivered to the consumer not later than 21 days before the payment due date. That did not happen and ask if they did on the phone with XXXX they loan person and they didnt. I have attached my letter explaining how they are violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
They are not reporting the credit history on my mortgage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX keeps reporting to the credit reporting agencies as negative reporting accounts to my credit report and its not correct. 
I don't know how its reporting negatively with a positive balance! 
This information is not supposed to be reporting to the credit reporting agencies because this is private information. 
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, post-secondary school.

20 U.S. Code 1232 ( b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX keeps reporting to the credit reporting agencies as negative reporting accounts to my credit report and its not correct. 
I don't know how its reporting negatively with a positive balance! 
This information is not supposed to be reporting to the credit reporting agencies because this is private information. 
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, post-secondary school.

20 U.S. Code 1232 ( b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I applied for a XXXX plan via my plan provider, MOHELA, on XX/XX/. I have called MOHELA XXXX times since then, and each time, they assure me my submission will be processed within XXXX weeks and then once again place me on forbearance. I have been placed on forbearance XXXX times. I have uploaded the most recent forbearance documentation. 

I need to have my XXXX plan processed to begin making payments via my current employer. My life is on hold in the meantime because I am looking to buy a house for myself and my mom, and I can not while my loan is still in foreberance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I reached out to this company several times last week because I notice they are on my credit report. I didnt get a notice or anything. First, they couldnt find me in their system or my account. Next, they dont have the right address. Then, they said they only report the debt another company called indebted is the collector. They gave me the company phone number but it only leads to an automated system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX, and XXXX has not responded to none of my letters for all the fraud accounts that on my credit 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, and XXXX has not responded to none of my letters for all the fraud accounts that on my credit 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
the credit reporting agencies keep reporting late payments to my credit report which is illegal ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Made double payment on XX/XX/24 because I was not sure first payment went through. When I realized my error, I called number on back of card right away. Was told they could not stop payment as it was being processed and I would have to wait until it cleared my account. Payments cleared on XX/XX/24. Called back number on card and was told that I would have to wait 7-10 days for payment to process. Today I called credit card again, ( 10th day ) and was told that it is only being processed for payment today and that I will see payment in checking account in 5-7 business days. That is XX/XX/24 and 4 weeks since I made the payment. It takes 3 days to post and 17 to get a refund? Went to the bank that issued the card and whose logo is on it and was told that there was nothing they could do to help me as they use a third party processing company. Really? 1

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX XXXX XXXX who is seeking to collect {$36000.00} for an apartment rental I never rented. They said they will send me a fraud packet and they have, though I still am putting together some of the necessary documentation to send back to them. 

On, XX/XX/XXXX I spoke with XXXX XXXX XXXX after they mailed a letter on XX/XX/XXXX asking about a collection of {$16000.00} that is associated with a creditor ( XXXX ( PA ) ) that I have never heard of before and never authorized any kind of account or expenditure through. I have requested a fraud packet from them but have yet to receive it. 

In XXXX of XXXX, I initiated a dispute with XXXX over a charge for a service I don't have an account or service for. That is still on my credit report for some reason, though no documentation was ever provided to do more than report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital System has not validated a {$810.00} debt from XXXX XXXX XXXX ( the original credit ), from an account that is more than 7 years old. 

Next the company decided to falsely report the debt as originating in XXXX of 2023. 

I would like to the debt removed from my credit report and for my validation request to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX phone number XXXX. I informed said company that they have reported the information past the seven year time that they are allowed too. They then reported it again after asked it to be removed as if i was a new account causing my credit score to go down. I also told them according to law that i would like to opt out of them reporting to my credit report per 15 usc 6802 ( b ) thru 6805. I also informed said company that 15 usc 1681 ( 4 ) clearly states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
In regards i will be seeking damages for the reporting unlawfully 15 usc 1681 ( n ) states that 1000 per violation for a persons willfully fails to comply with any requirements imposed under this sub chapter with respect to any consumer is liable to that consumer. 

I hope that these matters will be resolved in a reasonable matter

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