vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XX/XX/XXXX XXXX  Dispute Department XX/XX/XXXX XXXX, TX XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Bank of America Master Card - XXXX Publication XXXX  ( 2023 ), Canceled Debts NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by Bank of America, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information.

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that XXXX delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted within XXXX  days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XX/XX/XXXXSSN : XX/XX/XXXX DOB : XX/XX/XXXX Enclosed : 1099-c Cancellation of Debt Copy of Drivers License & Copy of Bank Statement to show proof of address.

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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Lvnv/resurgent is trying to collect on a debt thats not owed. Original creditor charged off debt. IIRS defines charge off as 1099c cancellation of debt. 

I have no contract with this company yet they are trying to collect on a debt not owed. 

I am aware they purchased the debt however they can not purchase my non public and personal information. 
I have no obligation to this company I have no contract. They have not provided a contract They have been reporting a debt when XXXX XXXX XXXX  was paid They have not followed FCRA guideline 15 usc 1681 thats you need consent to furnish my information. I have had a cease and desist in place yet they still continue to furnish information. 15 Uac 1692c What does 15 USC 1692C mean ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On any all mediums ( reporting ) Attached are ftc fraud compliants attorney general consumer fraud complaints 3949a investigation form two exhibits showing the reports of lvnv reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: MS

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I enrolled in a payment plan with Capital One to make payments towards my Capital One Savor Card ending in XXXX. Per the terms of the payment plan, I would be making 3 payments per the payment schedule that was given which showed my first payment due on XX/XX/XXXX. I was told that by enrolling in the plan, my account would stay in good standing. One of the disclosures states, " If you complete this plan 's payments, this account will reflect a current status. Any returned payments after completion may result in this account reverting back to a delinquent status. '' Based on what I was told and the way the disclosures read, the account should be in current status as long as the payments are made per the schedule ; however, Capital One reported this account 30 days late. The disclosures do not indicate that your account will still be reported to the credit bureau as late which is why I enrolled. In addition, the statement and schedule provided to me from Capital One do not indicate that there was a past due amount. Capital One mislead me into thinking that my account was in good standing and that the next payment was due on XX/XX/XXXX. Even my XXXX Statement does not show a past due amount. Please have the 30 day late removed from my credit reports immediately and investigate Capital One 's practices, so that this does not happen to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have never applied for this I have no knowledge

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 2024-05-16 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
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 XXXX XXXX XXXX looked at my EXPERIAN credit report on XX/XX/2024 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 supposed 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. 
According to 15 USC 1681s-2 they are supposed 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 inaccuracy.

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 2024-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Last fall XXXX around XXXX I submitted a form via Nelnet 's Contact Us form on their site because I can't access my account. I don't have that same student email address and my college is no longer forwarding emails once you are not enrolled. I haven't went to XXXX XXXXXXXXXXXX for 17 years. I can't call during the week because I work and can't sit on hold nor talk freely while at work. In addition I have to travel to and from work and can't be on my phone due to cell phone laws about driving and being on the phone. Today I received an email from Nelnet to my new email address of XXXX saying I am past due and owe XXXX XXXX I can't get a password reset because they keep sending it to my old college email of XXXX and then I'm getting an internet error too. They have never responded to issue although I submitted it online 8 months ago. Therefore I've been paying {$5.00} per month because that was the last arrangement made for payment of my student loan. I need to be able to access my account online as well change my address, etc. If they have my new email if XXXX then why isn't that being used to help me reset my email and password? Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NJ

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Dobt ) for the following charged off accounts listed below. ( XXXX XXXX XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

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 2024-05-19 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover Card is reporting a Discover Cad Account balance that was charged off with the IRS and received a tax benefit of a tax credit. Please find attached XXXX that shows that although Discover card has plainly charged off this debt but failed to file a XXXX for the benefit of the debtor. Case law provides that if a creditor takes the position to charge-off of a debt owed by debtor, that they can then no longer report this debt as outstanding on debtor 's credit report as that would be INACCURATE. I request that all bureaus cease the reporting of this account on my credit report. I demand that this be deleted. I am currently homeless and it is illegally reporting this debt on my credit report after they have received the tax benefit. I never received the XXXX so I filed one on behalf of Discover as is beyond 36 month requirement to file and provide the debtor with a copy. I demand that this account is removed from XXXX, XXXX and XXXX as it is inaccurate. 

See, e.g., In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX. XXXX XXXX ) ; XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Ct. App. XXXX ). In XXXX recent case, a federal district court found that a creditors issuance of a Form XXXX is enough to plausibly suggest that Plaintiffs indebtedness XXXX cancelled. XXXX v. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XXXX XXXX, XXXX ). In making this determination, the court noted that XXXX of the XXXX identifiable events listed in XXXX C.F.R. XXXX that trigger a creditors duty to issue a Form XXXX are all forms of debt cancellation. Id. Further, some courts have reasoned that it would be inequitable to allow a creditor to pursue further collection of a debt in cases where the debtor, in reliance on the Form XXXX, includes the cancelled debt in his or her gross income when filing his or her personal income tax forms. XXXX XXXX, XXXX B.R. at XXXX ; In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX XXXX XXXX ). 

Therefore, in addition to removal of this account from all my credit bureau reporting agencies immediately, I would like to compensated damages for the reporting on my report illegally for every year that this was illegally and inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
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 XXXX XXXX I looked at my EQUIFAX 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 supposed 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. 
According to 15 USC 1681s-2 they are supposed 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 inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: AZ

Complaint narrative:
I am concerned, I was advise on different platforms of a loan I did not apply for. Please do not proceed with this loan. 
Company XXXX XXXX XXXX ( XX/XX/year> ). Please remove immediately Im not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: AL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I CO SIGN TO SEND MY DAUGHTER TO XXXXXXXX XXXX OVER XXXX IN STUDENT LOANS AND 10 YEARS LATER MY WIFE HER MOTHER DIED AND IN THE SAME YEAR I HAD A MASSIVE XXXX THAT LEFT ME TOTAL XXXX. I HAD TO LEAVE WORK AND GO ON SOCIAL SECURITY XXXX MY DAUGHTER STOPPED MAKING HER STUDENT LOAN PAYMENTS TO NAVIENT. I TRIED TO KEEP UP WITH HELPING HER PAY HER LOANS BUT EACH PASSING YEAR IT GOT HARDER. SO I APPLIED FOR LOAN FORGIVENESS BUT NAVIENT SAID I AM NOT ELIGIBLE FOR STUDENT LOAN FORGIVNESS AS A CO SIGNER SINCE IM NOT THE PRIMARY LOAN SIGNER ONLY THE CO SIGNER. I ASK IF THEY COULD HELP ME BY CONSOILDATING HER LOANS INTO ONE WITH FIX INTEREST RATE AND AGAIN THEY SAID NO BECAUSE IM NOT THE PRIMARY. I TOLD THEM IF I BECOME UNABLE MAKE PAYMENTS AND SHE WANT PAY WHAT HAPPENS THEY SAID THEY WILL COME AFTER ME FOR THE TOTAL LOAN. I HAVE DELIGENTLY TRIED TO AS MY DAUGHTER TO HELP AND SHE HAS NO MONEY OR INTEREST IN HELPING ME MAKE HER LOANS PAYMENTS. IT MAKES NO SINCE THAT THEY MAKE NO EFFORT TO COLLECT FROM HER, BUT HAVE NO PROBLEM MONTHLY HARSING ME VIA TELEPHONE THREATING ME THAT MY STUDENT LOAN PAYMENTS ARE DUE KNOWING I AM XXXX  AND FAIL SHORT EVERY MONTH MAKING LATE PAYMENTS. 

PLEASE HELP XXXX CO SIGNER

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: IN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  reported late payments in regards my credit card that I hold with their company to Equifax, XXXX, and XXXX which is a violation of my rights under the Fair Credit Reporting Act. I have made several attempts to resolve this issue with XXXX XXXX, however, the company is not complying. Therefore, in accordance with the Fair Credit Reporting Act under FCRA 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 UCS 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Lastly, under 15 USC Section 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore, I would like all of these late payments removed and my credit profile updated to reflect no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

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