vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
We had entered into a repayment plan after XXXX. The state helped us with the first mortgage and advised us to ask for a forbearance, modification for the 2nd. Franklin/Bosco said all they could offer is a repayment plan doubling our payment to over XXXX down with a down payment of over XXXX. We were not given any other option so agreed. We tried as long as we could to maintain but soon fell behind as now we had two basically pay two payments a month. I asked for a revision as I was laid off no response. Then we get a foreclosur letter. I reached out to our first lender who said they were never notified. I called Franklin initially he said that they cant keep changing our plans when our financial situation changes but the reality they never offered a feasible solution like our other bank just to double up on payments to over XXXX a month.After a lengthy conversation the rep placed me on hold said I could resubmit a loss mitigation plan but that would not halt the foreclosure? Weve consulted with attorneys and local tv stations as they have had many complaints. Were only asking for fair accommodations as we dont want to have to file Bankruptcy being that were over XXXX I feel as if there is age discrimination here too. We just want help a realistic payment plan not one which sets us up for failure. Weve also reached out to Biden Administration and Bosco- please help. Were grateful and never intended for this to happen but with deaths, illnesses, natural disasters, loss of jobs, XXXX XXXX XXXX and age discrimination we have gone through it over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-10-08 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: GA

Complaint narrative:
I am filing this complaint regarding an auto loan reported by XXXX under account number XXXX on my credit report. XXXX is reporting the account as repossessed, with an outstanding balance of {$11000.00}. This reporting is inaccurate and harmful to my credit score. 

On XX/XX/year>, I sent a formal letter to XXXX disputing the debt and requesting validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite this, XXXX continues to report this debt without providing the required validation, causing serious damage to my financial standing. 

XXXX has also failed to issue a 1099-C form for the charged-off amount of {$11000.00}, which is required by the Internal Revenue Service ( IRS ) if the debt is considered forgiven or canceled. 

I believe that XXXX 's continued reporting of this debt without proper validation and the associated charge-off represents debt bondage. This practice is unfair and exploitative, as I am trapped in a cycle of credit damage and financial harm, unable to resolve the issue or escape the negative impact on my credit report. 

Actions I Have Taken : On XX/XX/year>, I sent XXXX a formal letter disputing the debt and requesting validation, as well as requesting a 1099-C form. 
XXXX has failed to provide a response or validate the debt, and the inaccurate information remains on my credit report. 
The ongoing reporting of this repossession and the inflated balance of {$11000.00} has damaged my credit score and prevented me from securing credit and housing, trapping me in a form of debt bondage.

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 2024-10-08 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2024-10-08 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 


I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a dispute with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXXXXXX XXXX XXXX regarding their reporting on my XXXX and TransUnion credit reports on XX/XX/year>. It is now XX/XX/year>, and I have not received any response or update regarding my dispute. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ), credit reporting agencies and furnishers are required to conduct a reasonable investigation into disputed information within 30 days. XXXX  XXXX XXXX XXXX failure to respond and investigate within this legally mandated timeframe is a violation of their obligations under the FCRA.

Moreover, under FCRA 607 ( b ), both credit reporting agencies and furnishers must ensure the accuracy of the information they report. By failing to respond to my dispute, XXXX XXXXXXXX XXXX XXXX is not only violating my rights as a consumer but also breaching their responsibility to report accurate information. Furthermore, both TransUnion and XXXX are noncompliant as well, as they are obligated under FCRA 602 ( a ) to provide consumers with fair and accurate credit reporting. Their continued reporting of this disputed information without proper investigation undermines the consumer protection laws designed to ensure accurate reporting.

Additionally, FCRA 616 establishes that if a credit reporting agency or furnisher willfully fails to comply with the requirements of the FCRA, they may be liable to the affected consumer for actual damages, punitive damages, and attorneys fees. The lack of response and action from XXXX  XXXX XXXX XXXX, TransUnion, and XXXX suggests a willful disregard for their responsibilities under the FCRA. This delay and lack of response from all parties involved indicate that they are engaging in unlawful business practices by not adhering to the FCRA 's requirements.

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 2024-10-08 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$18000.00}, XXXX XXXX. {$400.00}, XXXX XXXX. {$2100.00}, XXXX XXXX. {$1400.00}

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 2024-10-08 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2024-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have been borrowing from Cash App for over two years paying back the advances days prior to the due dates. On XX/XX/2024, when I was paying back a loan the app prompted me to enter if my business info. Me thinking they wanted to just get to know me better or to offer me other products I entered a business I started recently but had not conducted any business under the name yet. As soon as I paid the loan they denied me to borrow again stating I am a business. I immediately called and emailed to have the information removed because I needed the money. Since then I have emailed and called over five times and still get the same results and same email NOTHING!!!! I feel this was deceptive and abusive and in result has caused me mental and financial distress. They keep sending me generic emails and refuse to put a supervisor on the phone. Today was the last straw the reps were just rude and dismissive. I did nothing wrong and keep getting the run around with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed my consumer report and observed an erroneous account on my Experian file. The derogatory account in question is XXXX XXXX XXXX, which is displaying a repossession showing a balance of {$41000.00}. This account in question does not belong to me and should not be reporting on my consumer report. Further investigation revealed that this account belonged to a corporation and therefore it should not be reporting on my consumer report. Moreover, there was not a personal guarantee associated with this account and I was not properly notified of it being reported to my personal consumer report. This is a violation of 15 USC 1681.

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 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal letter to XXXXXXXX XXXX XXXX  requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXXXXXX XXXX XXXX 
This failure to provide debt validation within the required 30-day period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to XXXX different XXXX XXXX XXXX Addresses ). 
Given that XXXX XXXXXXXX XXXX  did not validate this debt within the legally required timeframe, I hereby demand that Transunion immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Reported Balance : {$11000.00} Balance

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 2024-10-08 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: CA

Complaint narrative:
On XX/XX/XXXX, I was served with legal papers from Midland Credit Management , Inc., notifying me that they were pursuing legal action to collect a debt in the amount of {$2400.00}. This was the first time I was made aware of the debt. I had never received any prior documentation or debt validation letters from Midland Credit Management, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FDCPA, Midland was required to send me a debt validation notice within five days of their first contact, but they failed to do so. Instead, they immediately proceeded with legal action. The papers were left at my family property, not even served to me directly. I had no opportunity to verify or dispute the debt before they escalated to a lawsuit. 

The debt is from an account with XXXX, XXXX, which was allegedly charged off on XX/XX/XXXX, and sold to Midland Credit Management on XX/XX/XXXX. Since I did not receive any validation or notice about this account from Midland, I was not given the chance to dispute the debt or request verification. 

Furthermore, Midland Credit Management has also reported this debt to the credit bureaus, negatively affecting my credit score, despite never validating the debt or providing documentation to confirm its accuracy. 

I am requesting that Midland Credit Management : Provide validation of the debt in accordance with FDCPA requirements. 
Remove the debt from my credit report if they can not provide proper validation. 
Dismiss the lawsuit they have filed against me, as they did not follow the required procedure to notify me of the debt before pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
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.

Account # PRSOGS, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief