vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
To Whom It May Concern, This letter serves as a formal response to your claim that the debt referenced in my complaint is charged off but not written off and remains collectible. Based on the information reported to credit bureaus and federal regulations, your position appears inconsistent with applicable laws and accounting practices. I request your immediate attention to resolve this matter in compliance with federal requirements.

Definition and Legal Implications of Charge-Off The term charge-off is an accounting designation used when a creditor deems a debt uncollectible and removes it from their books as a financial asset. According to IRS guidelines and industry standards : Charged Off as Bad Debt : When a debt is charged off and written off as a loss for tax purposes ( as indicated by Profit and Loss Write-Off on my credit report ), the creditor is required under 26 U.S.C. 6050P to issue IRS Form 1099-C for debts of {$600.00} or more.

If the debt is reported as charged off but no 1099-C is issued, this suggests either a failure to comply with tax laws or inaccurate credit reporting.

Violations of Federal Laws Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( a ) ) Under the FCRA, furnishers of information must ensure the accuracy and integrity of the information they provide to credit reporting agencies. Reporting this debt as charged off while simultaneously claiming it remains collectible creates a conflicting and inaccurate record, which is a violation of your obligations under the FCRA.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) If you are pursuing collection activities for a charged-off debt while simultaneously writing it off for tax purposes, this may violate the FDCPA. Specifically : 1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of a debt.

1692e ( 10 ) : Use of deceptive practices to collect a debt.

My Formal Requests To ensure compliance with applicable laws and clarify the status of this debt, I request the following : 1. Issuance of Form 1099-C : If the debt has been charged off and written off for tax purposes, provide a copy of Form 1099-C as required under IRS regulations.

2. Updated Credit Reporting : If the debt has not been written off, update the credit reporting to reflect its true status and remove any references to charged off.

3. Verification of Debt Status : Provide documentation supporting your claim that the debt is both charged off and still collectible, including accounting records and evidence of your reporting to the IRS. 


Please see attached copy of our credit report that states that charge off as a bad debt and and profit loss write off. Therefore, you are reporting in accurate information according to your statement that you sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
Ambiguous Status Descriptions : The status description " Seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department '' is vague and does not provide clarity about whether the account has been resolved, transferred, or sold. 
Experian also lists the status as " XXXX, '' which is unclear and not in compliance with FCRA 's standards for clear and accurate reporting. 
Unclear Account Resolution : If the account has been transferred, sold, or otherwise resolved, this information must be accurately reflected across all credit bureaus. 
Credit Utilization Impact : The account lists credit utilization as " -- % '' without clear calculation. If the balance affects my credit utilization, the calculation must be accurately provided and uniform across all bureaus.

Requested Action I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including balances, status, and remarks, across all credit bureaus. 
Provide a clear and accurate account status that reflects its resolution, whether it has been transferred, sold, or remains active. 
Remove ambiguous designations like " XXXX '' and replace them with compliant and understandable descriptions. 
Clarify the credit utilization impact and ensure that it is reported accurately if this account contributes to my utilization ratio.

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 2024-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DailyPay, Inc
State: PA

Complaint narrative:
XX/XX/year> I opened an account with daily pay. I created a user name XXXX password. I never entered any of my banking/debit card information on the account. I stared receiving texts that someone was trying to withdrawal XXXX dollars. I alerted daily pay that suspicious activity was going on with the account. A few minutes later a XXXX XXXX XXXX card was added to the account. I called daily and requested that the account be closed due to fraudulent activity. I spoke to XXXX who told me the account would take XXXX XXXX to close. The following day when I logged into the account a withdrawal of XXXX dollars was taken out my paycheck stating I took a payday loan. I called Daily pay back and explained I never transferred any from that account. I never even used the account. A bank account was to the account which belonged to daily pay to set up direct deposit for me without my knowledge. So on my payday XX/XX/year> my check balance was XXXX. Daily pay wanted to pay me XXXX dollars stating I transferred funds. I never used the account. My checks were going direct deposit in my personal bank account. They refused to tell me who authorize the XXXX XXXX XXXX card to withdraw funds from my account. I filed a complaint with their fraud company to no avail. I called multiple times to speak with a representee to assist me. Either they hang up or speak to you rudely. I would like for daily pay to refund me my hard-earned money they took out my paycheck. without my consent, also who account did they send my money too. This company needs to be investigated for stealing funds from hard working citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account tor which I have always maintained timely payments. consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative imagines information be reported with upmost accuracy. I have never missed a payment on my XXXX XXXX  account XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to Furnish proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-11-23 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-23 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: TX

Complaint narrative:
I am writing to file a complaint against Experian Credit Bureau regarding a negative item that is inaccurately reported on my credit report. 
Despite providing sufficient documentation and evidence, Experian has failed to remove the following negative item : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX I have already successfully disputed this item with XXXX and XXXX, and they have removed the negative information from their respective credit reports. However, Experian continues to report this inaccurate information, which is negatively impacting my XXXX XXXX and limiting my financial opportunities. 
I respectfully request that the CFPB investigate this matter and take appropriate action to compel Experian to correct this error and remove the inaccurate information from my credit report. 
Thank you for your time and attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXXXXXX Email : 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX XXXX, which appears on my credit report. Upon reviewing the reports from TransUnion and XXXX, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues Inconsistent Reporting Across Credit Bureaus : The Date of Last Activity is reported as XXXX by TransUnion and XXXX by XXXX. These discrepancies violate the FCRA 's requirement for consistent reporting. 
The Account Status is described differently : " Collection account '' ( TransUnion ) vs. " Seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department '' ( XXXX ). 
Failure to Reflect Account Transfer Accurately : XXXX lists the account as " Transferred to another lender, '' but this status is not reflected in TransUnion 's reporting. This creates confusion and violates the FCRAs standard of accuracy and uniformity. 
Vague and Misleading Account Status : Both bureaus list the account status as " Indeterminate, '' which is vague and noncompliant with FCRA standards requiring clear and accurate reporting. 
Collection Account Reporting with {$0.00} Balance : The account is reported with a {$0.00} balance while simultaneously labeled as a " Collection account '' or " Seriously past due. '' These contradictory statements mislead creditors and reflect inaccuracies in reporting.

Requested Action I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, account status, and remarks, across both credit bureaus.

Update the account to clearly reflect its final status, such as " Transferred, '' " Closed, '' or " Settled. '' Remove the " Collection account '' or " Seriously past due '' designation if the balance is {$0.00}, as this contradicts the accounts resolution. 
If these corrections are not made within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider taking legal action for damages caused by these reporting 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 2024-11-23 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account tor which I have always maintained timely payments. consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative imagines information be reported with upmost accuracy. I have never missed a payment on my XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to Furnish proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-11-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated
State: NY

Complaint narrative:
1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

I am requesting that ARSI provide me with the Purchase Agreement, bill of sale, and why they entitled to collect on this debt. I do not owe said amount, I did not enter into a contract with ARSI. Please remove the negative reporting from my credit report.

( B ) Reporting information after notice and confirmation of errors ARSI is in violation of 15 USC Section 1681 S2. " A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX which appears on my credit report. Upon reviewing the reports from XXXX, Experian, and XXXX, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues : Inconsistent Reporting Across Credit Bureaus : Key details of this account, including the Date of Last Activity, Date Opened, and Account Status, vary across the credit bureaus. These inconsistencies violate the FCRAs requirement for accurate and consistent reporting. 
Failure to Accurately Reflect Transfer to Another Lender : Experian lists the account as " Transferred to another lender, '' while XXXX and XXXX do not include this information. If the account has been transferred, all credit bureaus must accurately reflect this status. 
Misrepresentation of Account Status : The account is reported as " Indeterminate '' for its status, which is vague and misleading. FCRA requires clear and accurate reporting of account statuses, such as " Closed, '' " Settled, '' or " Transferred. '' Misrepresentation of Payment and Balance Information : While the balance is reported as {$0.00} on all three reports, XXXX describes the account as " Charged off as bad debt, '' while Experian lists it as " Charge-off, Transferred to another lender. '' This inconsistency suggests inaccuracies in how the account 's resolution is being reported. 

Requested Action : I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, status, and remarks, across all credit bureaus. 

Update the account to clearly reflect its status as " Transferred, '' " Closed, '' or another definitive status. 

Ensure the reporting aligns with FCRA standards for accuracy and clarity, particularly regarding the transfer of the account to another lender.

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 2024-11-23 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-23 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: DC

Complaint narrative:
im a XXXX  senior in shelter found fraud collections on report thru XXXX XXXX  and XXXX XXXX claim they dont see this im demanding investigation due to freeze on all bureaus no one should not been anyway way for someone to apply for anything in my name im paying XXXX credit cards was XXXX now im in collections from some company source XXXX XXXX XXXX acct no XXXX snapshot dont know what that is with XXXX  contact them demanded investigation in writting to me as to how they got my info to open this account for XXXX contacted police fbi wo and anyone else you may suggest to me working on XXXX XXXX XXXX XXXX  ... this is unexceptable to go thru this im trying to move please help

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 2024-11-23 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: DC

Complaint narrative:
im a XXXX  senior in shelter found fraud collections on report thru credit karma and XXXX XXXX  claim they dont see this im demanding investigation due to freeze on all bureaus no one should not been anyway way for someone to apply for anything in my name im paying XXXX credit cards was XXXX now im in collections from some company source XXXX XXXX XXXX acct no XXXX snapshot dont know what that is with XXXX contact them demanded investigation in writting to me as to how they got my info to open this account for XXXX contacted police fbi wo and anyone else you may suggest to me working on ss ofc oig oag ... this is unexceptable to go thru this im trying to move please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: DC

Complaint narrative:
im a XXXX  senior in shelter found fraud collections on report thru XXXX XXXX  and experian XXXX claim they dont see this im demanding investigation due to freeze on all bureaus no one should not been anyway way for someone to apply for anything in my name im paying XXXX credit cards was XXXX now im in collections from some company source XXXX XXXX XXXX acct no XXXX snapshot dont know what that is with XXXX contact them demanded investigation in writting to me as to how they got my info to open this account for XXXX contacted police fbi wo and anyone else you may suggest to me working on ss ofc oig oag ... this is unexceptable to go thru this im trying to move please help

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