vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report, despite qualifying as income under IRS guidelines XXXX The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law. 

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charged-off. 

Legal Basis for Complaint Violation of IRC 6050P The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide the debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditors adherence to federal law. 
Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditors reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charged-off account as collectible or delinquent when it should be classified as income and documented through a 1099-C.

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 2024-11-17 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: MO

Complaint narrative:
On XX/XX/year>, I contacted this company to remove their inaccurate report. I left several messages, but none were returned. 

The credit report shows " pays as agreed, '' but when you scroll further, it reads " collection. '' The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XXXX  XX/XX/year> The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX  XX/XX/year> The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XXXX  XX/XX/2024 The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX XXXX XX/XX/2024 The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX  XX/XX/2024 The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX XX/XX/2024 - The following inquiry was not authorized and should not be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CA

Complaint narrative:
I attended XXXX XXXX, I didnt had high school and for years I been telling them that the school did fraud and they havent help me how to get my loans removed I received my high school diploma XXXX and I also send them in the mail copy and they always stated they never received no application and for years I been trying as the only thing is been happening they been adding more interest to the loan and is been years that they been harassing me to pay and adding more to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Ipreviously disputed this account and requested validation of the debt, but I have not received sufficient proof. Despite my requests, the debt continues to be verified without proper documentation.

I am now formally requesting that this company TRANSWORLD SYSTEM 1. Verify and provide proof of the service ( s ) rendered, including the date of service.

2. Provide an itemized bill detailing the charges or services associated with this account.

I am entitled to full validation of this debt. If you are unable to provide the requested information, I kindly ask that you cease further attempts to collect on this account and notify the credit bureaus to remove any associated entries. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I hereby make written demand for relief as outlined in that statute. 

On or about XX/XX/XXXX, the following unfair or deceptive acts occurred : - Violation of 15 U.S. Code Sec. 1629e ( 8 ) of the FDCPA - Violation of 15 U.S. Code Sec. 1692c of the FDCPA - Violation of 15 U.S. Code Sec. 1681i ( a ) ( 1 ) ( A ) of the FDCPA - Violation of 15 U.S. Code Sec. 1692e of the FDCPA - Violation of 15 U.S. Code Sec. 1692f of the FDCPA - Violation of 15 U.S. Code Sec. 1692g of the FDCPA - Violation of 15 U.S. Code Sec. 809 ( b ) of the FDCPA These unfair or deceptive acts and/or practices are declared unlawful by Section 2 of Chapter 93A. XXXX XXXX, XXXX was INVOLUNTARALY DISSOLVED BY COURT ORDER by the Secretary of the Commonwealth of Massachusetts, XXXX XXXX XXXX, on XX/XX/XXXX ; they are legally unable to conduct any business in the Commonwealth of Massachusetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Prior to the transfer, I was current on my payments due to a loan extension agreement with the previous creditor. I received initial communications from your company indicating that my account was being transferred. 

Despite this, I have encountered numerous issues since the transfer : XXXX. Initial Contact and Extension Agreement : On XX/XX/year>, I received an email stating that I was behind by three months. I called and spoke with XXXX, informing her of the existing loan extension with the previous creditor. She mentioned that the extension was not in your file and requested that I email the loan extension letter for review. I complied and sent the necessary documentation. 
2. Threatening Communication and Lack of Resolution : On XX/XX/year>, I received another threatening email demanding immediate payment or the return of my vehicle, despite having provided the loan extension documentation. I called again on XX/XX/year>, and spoke with XXXX XXXX to discuss why my extension was not being honored and to arrange a payment for XX/XX/year>. XXXX informed me that the loan extension would not be honored, belittled me, and claimed that the extension letter was fake. She threatened that if I did not pay the overdue amount, my account would be charged off. 
XXXX. Violation of Rights and Unlawful Fees : Your refusal to honor the valid loan extension agreement constitutes a violation of the XXXX XXXX, which requires fair and transparent debt collection practices. As a result of your refusal to accept payments, my account was subject to late fees and unlawful charges, wrongfully placing it into default. Furthermore, my car has not been repossessed, and I have not received any official notices of repossession. 
4. Inaccurate Reporting and Unprofessional Conduct : After providing the loan extension agreement, my account was charged off the following day. Additionally, your company inaccurately reported to the credit bureaus that my vehicle was repossessed, even though this was not the case. Your office 's behavior has been dismissive, rude, and uncooperative, especially given the short time you have managed my account. 
XXXX. Refusal to Accept Payments : I have made several attempts to pay my car note, but your office has refused to accept these payments, contributing to the wrongful charge-off and negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX05C WITHING 4 BUSINESS DAYS. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I spoke with no less thank 6 people at Wells Fargo credit and banking service departments over the phone on XX/XX/XXXX last person some person who claimed to be in the US CA in escalation dept " XXXX ''. 

I informed and conclusively proved they are charging fees on top of fees. 

I had paid a past due balance on XX/XX/XXXX and XX/XX/XXXX and had all past due late charges reversed on XX/XX/XXXX. Yet Wells Fargo refuses to acknowledge and still factors these reversed fees into a fraudulent claim of still " past due '' on statement dated XX/XX/XXXX. Whereby including reversed fees to make up a wrongly stated past due balance. This not only caused the account to be stated as further past due but incurred yet another fraudulent charge : " XX/XX/XXXX XXXX XXXX {$50.00} '' This is a scam!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Wells Fargo was fined by the US GOVT for similar fraud yet here they are again no less than 10 years later accomplishing the same scams as before with fraudulent fees on top of fees that were even reversed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Then attempting to force me to pay higher minimum balance due to include in this minimum due fees which were reversed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Whoever the CEO is should be hung and burned and placed in the same shameful grave as the prior CEO and their grave stones destroyed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

WHO AT THE US GOVT IS RESPONSIBLE FOR REGULATING BANKS AND THEIR FEES I WILL FIND YOU AND IF YOU ARE NOT FIRED OR RESIGN TOMORROW REST THE XXXX ASSURED YOU WILL BE AFTER I FIND YOU!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2024-11-17 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Credit Report has inquiries unauthorized dates : XX/XX/XXXX Credit Report code XXXX XXXXXX/XX/XXXX Credit Report code JPMCB Card Please ask companies to remove both inquiries immediately as they are both unauthorized. I have place a fraud alert on my XXXX XXXX Account and Credit report I did not authorize these inquiries. I would anticipate my score being placed back into tact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent letters and disputed online to formally dispute an unauthorized inaccurate inquiry that appears on my credit report. Under Law 15 USC 6801 non public information protected, 15 USC 6802 obligations with respect to disclose any personal info without my consent, 15 USC 1681b ( a ) ( 2 ) Permissible Purpose of consumer reports, 15 USC 1681i ( 5 ) Removal of Inaccurate Unverified Credit information, and15 USC 1681e ( b ) Compliance Procedures Maximum Possible Accuracy, the inaccurate information being reported breaks each of those laws, as a consumer by law this account must be removed. 

The reporting agency has failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I asked the bureaus to Please provide validating documents to verify the account or delete this inaccurate account from my consumer 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 2024-11-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This inquiries below was made without my knowledge or consent and is negatively affecting my credit report. 

Creditor : XXXX Date of Inquiry : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX. 
Date Of Inquiry : XX/XX/year> Credit : XXXX XXXX  Date of Inquiry : XXXX XXXX

Company response to consumer: Closed with explanation