vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint seeks action to compel Capital One Financial Corporation to fulfill its legal obligation under Internal Revenue Code ( IRC ) Section 6050P by issuing Form 1099-C, Cancellation of Debt for an account that it has reported as charged off. Despite my formal request on XX/XX/year>, Capital One has yet to provide this form, hindering my ability to manage my tax obligations and accurately represent this debt to relevant authorities.

Description of Violation : Under IRC Section 6050P, any lender who discharges or cancels a debt over {$600.00} is required to report the cancellation as income by issuing Form 1099-C to both the debtor and the IRS. Since Capital One has classified this debt as charged off, it has effectively treated the debt as uncollectible and subject to discharge for reporting purposes. The issuance of Form 1099-C is therefore necessary to document this cancellation of debt as taxable income.

Without this form, I am unable to meet my tax filing obligations accurately, nor can I fully clarify the status o
f this account with relevant parties. Additionally, the absence of Form 1099-C makes it challenging for me to address this accounts reporting with credit bureaus, as the outstanding balance on a charged-off account appears inconsistent with Capital Ones classification of the debt. 


Thank you for your prompt attention to this matter. I am prepared to provide any further documentation needed to assist in your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
This is in late XXXX of XXXX. I filed a dispute with XXXX XXXX to dispute transactions which were fraudulent. I had been " ripped off '' by purchasing several XXXX XXXX XXXX who represented themselves on XXXX as dealers. In terms of dollar amount, maybe, {$2000.00} - {$2500.00} was spent and lost over XXXX vendors. I filed the complaint with XXXX explaining these items were not delivered and the company 's websites had no support for tracking. I waited a very long time. When XXXX had made the claim, the filed it over the exchange which it took place on, Coinbase. I was a caddie at the time and was saving $ to visit XXXX. Not only did I spent the $ I lost, the remainder was pooled into XXXX XXXX. I had put in about {$1000.00} of savings to be pooled, or " staked. '' I was given a guaranteed interest. I was invited to do this. Anyways, I wake up and check my account and it's gone shortly after filing the claim. All of it. Coinbase liquidated the position I had in the staked pool of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I believe this debt is not mine. It is reporting incorrectly as opened accounts. LVNV Funding LLC {$640.00}, LVNV Funding LLC {$690.00}, LVNVFunding LLC {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Sapphire Reserve card has a rewards program with XXXX. You get XXXX points for transit purchaes, you get an addtional XXXX points for lyft rides. Chase is currently fight with XXXX over this promotion. I am caught in the middle of it. My clients take XXXX rides daily. From XXXX of XXXX to XX/XX/XXXX I was getting the XXXX total points I was supposed to be getting. On XX/XX/XXXX Chase stopped giving me the XXXX points for Lyft rides and I only got the XXXX points from them after that. Dozens of phone calls and emails and no response. I even got my XXXX representative involved. XXXX told me they were fighting with Chase over the promotion and I am caught in the middle of it. On XX/XX/XXXX Chase for no reason and with no warning closed all three of my credit card accounts I had with them. I tried to transfer the rewards points I had out of the account but it looks like they are blocking those transfers. They are guilty of fraud. They closed my accounts just so they did not have to give me my rewards and took all my rewards away from me. When I call they just tell me my account is under investigation. Nothing else. I was never late with a single payment. I don't owe Chase any money. They however owe my over XXXX XXXX rewards points worth over {$250000.00}. I want my rewads points, I want my cards turned back on, and I want Chase to live up to the reward agreement with lyft and allow me to continue until the promotion ends in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages.

Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports three 30-day late payments in XXXX, XXXX and XX/XX/XXXX. 
XXXX : Similarly reports three 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Equifax : Also reflects three 30-day late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX TX XXXX Re : Dispute of Charge Off Account ( XXXX ) Dear Sir/Madam, I am writing to dispute the charge off listed on my credit report for the above-referenced account ( XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ). I believe this information is inaccurate, incomplete, or unverifiable, and I request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i, I have the right to dispute any information that I believe is incorrect. You are required to investigate this charge off and verify its accuracy, including compliance with XXXX XXXX standards for reporting. XXXX XXXX guidelines outline strict formatting and reporting requirements to ensure consistency and accuracy. If this account does not meet the XXXX XXXX compliance standards, or if it can not be verified, it must be corrected or deleted from my credit report.

Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information is legally required to report only accurate and up-to-date information to the credit bureaus. If they fail to provide proper documentation to validate this charge off or meet XXXX XXXX requirements, the entry must be promptly removed. 

Please treat this dispute with urgency and provide me with verification within the legally mandated 30-day time frame.

Thank you for your attention to this matter. 

Sincerely, 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 2024-10-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
About 2 year ago my father passed away and I assumed the loan for his house and was making the payments.

~6 months ago I lost access to my online banking as this was my primary way to pay my mortgage.

When I Called I was told that the people who have assumed loans across the company have lost access to their account and was told to wait a couple weeks for them to resolve the issue. I have been calling almost every month for updates and continue to get told different things.

The last two months I have called I have been met with incredibly rude faculty and was just recently told that it is a known freedom mortgage company policy that anyone who has assumed a loan will NEVER get access to their online account due to a security issue. 

There has been no policy published that shows this is accurate and I was told while assuming the loan that I would have full access.

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 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an offer from Chase to spend {$500.00} on Chase XXXX by XX/XX/XXXX in order to receive a {$100.00} statement credit. I added the offer weeks before my purchase. Around XXXX on XX/XX/XXXX, I booked a flight in the amount of ~ {$540.00}. I then went back to my account to find that the Chase XXXX offer said it already expired, but just minutes before I made the purchase, my account showed that the offer was still valid. 

I spoke to an account supervisor who said the charge needs to post by XX/XX/XXXX, not be made by XX/XX/XXXX, but this is very misleading considering no one would know how long before they should make a purchase to earn an offer. I ended up wasting hours on the phone about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-01 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: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-01 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: CA

Complaint narrative:
My federal student loans were all under the servicer XXXX. I had been signed up for an income-based payment plan since at least XXXX. Every year around XXXX or XXXX I would resubmit to stay within the plan. The history of that can be seen on my studentaid.gov account. The last monthly payment amount I was assigned to was $ XXXX. 

My loans have recently been transferred to Mohela. During that switch I received a notice dated XX/XX/XXXX that said my repayment plan renewal date has been extended. It said that I would not need to recertify until after XX/XX/XXXX. 

The first invoice I received under Mohela 's newest platform said I owed $ XXXX. I contacted the servicer and was able to speak to an XXXX on XX/XX/XXXX. She verified that my Mohela account was automatically set to standard repayment plan without me selecting to do so. She also verified and confirmed that she could see that my old account showed that I was enrolled into an income-based payment plan and that I had been paying {$350.00}. She said she would put the account on an administrative forbearance where the company would investigate what happened, but it would still accrue interest. She also said that per her supervisor, any minimum payment made would not count to my loan forgiveness. I would need to pay the entire amount that was said to be due. 

I received a new invoice in XXXX for the payment due XX/XX/XXXX and that payment said I owed {$5200.00}. Every time I have tried to contact the servicer back the lines are always a long wait. I have used the " request a call back '' option and never received XXXX. I have even emailed them and there has been no response. I paid what I could, but I don't make {$5000.00} a month. And if I did, I still have other monthly expenses that I need to cover such as my private student loans that unfortunately are now handled under this same servicer as of XX/XX/XXXX. 

I just received a new notice in the mail for XXXX 's payment stating I was past due and the payment still appears to be set at {$5200.00}. I have not received any notice of an update on the status of the investigation of the error to my account. Just a new notice. Now in addition to being stressed about this, I am now stressed out about my good credit score being marked for something that I didn't do. I pride myself on working hard and paying my bills on time, especially because I am trying to complete the repayment of my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
This morning, I was stunned to find unfamiliar accounts on my credit report, with no clue as to why. I do regular credit checks, but this time, these errors appeared out of nowhere. I refreshed the page, hoping it was just a glitch, yet the inaccuracies stayed. I would appreciate it if the documents Ive sent are closely examined to prevent this from happening again, as its left me feeling quite unsettled.

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 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My son on my behalf submitted this complaint on XX/XX/scrub>XXXX XXXX XXXX XXXX The company responded that since he was not authorized to receive my financial information, they would not respond. Accordingly, I am resubmitting the complaint. 

Unauthorized charges from XXXX started appearing on my Truist World MasterCard Rewards Credit card ( XXXX XXXX ) on XX/XX/year>. The purchases were in the amounts of {$500.00}, {$500.00} and {$450.00}. Fraudulent XXXX transactions then continued until XX/XX/year>. During this period, there were 80 such transactions, mostly e-gift cards. The total amount of unauthorized transactions was {$28000.00}. To date, I have been unsuccessful in disputing or appealing Truist 's determinations that these charges were not fraudulent or unauthorized, nor have I received a response to my request for copies of the evidence and documentations relied upon for their determinations. Please see attached notarized affidavit, exhibits and email requesting reconsideration. Also I want the company to send me the full credit card number for an FBI report for identity theft.

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