vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
XX/XX/year> Mariner Finance XXXX XXXX XXXX XXXX XXXX Maryland XXXX Subject : XXXX Mariner Finance, I am writing to dispute a collection/charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reporting on my XXXX, XXXX and XXXX Credit Report by your company Mainer Finance evidenced by the attached page from my report 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 partly or fully when such has been considered income. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and for which a Form 1099-C must be issued. Since your Company failed to issue Form 1099-C, one has been generated, issued, and accepted by the IRS which cancels the debt with the creditor. 

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 am requesting that Mariner Finance within the next 15 calendar days from the date of this letter rectify this inaccurate collection/charge and immediately delete it from your database. You are also to immediately delete the charge-off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please be aware that at the expiration of the 15 calendar days, should I not receive your confirmation that this issue has been rectified, I will be forced to file complaints with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft.The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

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 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I worked with XXXX XXXX XXXX ( XXXX XXXX ) to settle a timeshare debt. They where helpful and allowed for me to settle the debt with a payment plan. I completed the payment plan and settled the debt in full by XXXX of XXXX. 

The collections account no longer shows on XXXX or XXXX. However, it still remains on TransUnion. 

I disputed the account twice as it was still showing as Open and Late. This is causing red flags with my bank as I am trying to purchase a home. 

After disputing this account and attaching information such as a letter directly from the collections agency showing that the debt is settled in full, the results still came back as Accurate and No Change Needed. 

I worked with XXXX this week to see if there is anything else they can do for me. They offered to go on a conference call with TransUnion and shared an AUD number. 

I called TransUnion again to inquire about the options and let them know that XXXX Collections Agency. They where able to send another update to TransUnion in hope that it would help, but it had not. XXXX is just as confused as to where the glitch may be that is still causing this misrepresentation of my account. 

I called TransUnion and they said the only thing that I can do now is file a complaint with CFPB. 

I am looking for assistance as I am in the process of purchasing a home, please. 

Thank 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 non-monetary relief
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX  In accordance with the fair credit act XXXX  XXXX XXXX XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without instructions 15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report more than seven years 15 U.S.C 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information to be inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
XXXX XXXX XXXX In accordance with the fair credit act XXXX  XXXX XXXX XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without instructions 15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report more than seven years 15 U.S.C 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information to be inaccurate

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 2024-05-09 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of inquiry : XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: LA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: LA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to emphasize that I never authorized such actions, and this constitutes a breach of the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. I have already contacted the companies involved, and they failed to provide proper validation or original proof for their reporting, which adds to my disappointment and frustration. 

Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Never paid late on this account. I want the prior late payments updated/waived immediately. 

Listed below are the Collections that are being challenged- I regret to express my disappointment in your inability to furnish documented proof of compliance with reporting standards and consumer laws. This represents a significant deficiency. I hereby request the immediate deletion of this flawed and inaccurate report. Failure to comply may compel legal action against your company for its noncompliance with specific legal requirements concerning compliance and consumer protection. The accuracy of information is crucial to preempt potential future issues. Unfortunately, it appears that the gravity of this situation has not been duly acknowledged, and I am apprehensive that legal action may be indispensable. 

XXXX XXXX XXXX - XXXX - DELETE IMMEDIATELY XXXX XXXX - XXXX DELETE IMMEDIATELY XXXX XXXX XXXX - XXXX - DELETE IMMEDIATELY

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 2024-05-09 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: TX

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from 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 explanation
Consumer complaint received 2024-05-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to Bank of America first reported in XXXX was re-aged on my credit reports by Bank of America. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, Bank of America continues to report this alleged debt that is not owed by me and Bank of America has not been able to prove that I owe this debt. In fact, Bank of America owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform Bank of America that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was locked out of my chime account for over 3 months, chime customer service representative failed to help me back into my account several months went by I finally got a hold of some help when I logged back in I seen numerous of unauthorized transactions XXXX filed a dispute for all items explained why I was filing the dispute for them to turn around and deny my dispute without and explanation or final dispute report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I got a loan which paid off my car loan from my previous company and gave me XXXX dollar loan cash however the lady who went over all the number with us was wrong about the amounts and my old company XXXX in XXXX XXXX  is saying that the new loan company ( mariner finance  in XXXX ) sent them a check for the car however the amount was short XXXX and we left mariner with the understanding that we could use the loan money for a purchase we needed and now we are having to take that XXXX out of the XXXX loan and that will make us short for what we needed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: AZ

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

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 2024-05-09 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: OH

Complaint narrative:
I have been attempting to have my accounts restored with E*Trade Bank since XX/XX/XXXX, to no avail. I keep getting the run around from different representatives I have spoken to since then. This all stems from my account almost being hacked, but was prevented by a very astute E*Trade Bank representative XXXX On XX/XX/year> a hacker contacted me via cell phone posing as a fraud investigator for E*Trade Bank XXXX His caller ID was exactly the same as E*Trade Bank 's main phone number, leading me to believe it was a real E*Trade Bank rep. Fortunately , the real E*Trade Bank Rep ( XXXX ) was astute enough to realize this person was not me and thus prvented {$9200.00} being wired out of my account. Once the hacker was foiled, the real E*TRade rep contacted me to see if I wanted to " Restrict '' all of my accounts with E*Trade, in case there was anyone else trying to get into it. I agreed to do so with the understanding that I could reinstate it by following XXXX 's instructions. On XX/XX/XXXX, I submitted the paperwork, as instructed, to have my accounts restored so I could use them. I am still waiting to have my accounts restored as E*TRade keeps giving me the runaround. They promise to have their fraud department contact me, it never happens, they promise their management to contact me, so I can escalate, it never happens. In the meantime my life insurance has lapsed since XXXX 's are not taking place, my XXXX accounts are not processing payments, I have had to scramble to take payments. I need my accounts restored back to normal ASAP. E*Trade is holding over {$40000.00} in their possession. I am just being ignored with no one to complain to or to escalate within E*Trade. I need my money back and all my accounts unrestricted. This is causing me hardship that I shouldn't be facing. I have called E*Trade at least twice a week every week since thew incident. I have contacted the FDIC but they couldn't help me. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: MD

Complaint narrative:
Since XX/XX/year>, Wakefield and Associates, a debt collection agency based in XXXX, TN, has been contacting me persistently. I have not been provided any written notification regarding any alleged debt or my right to dispute it. I have USPS Informed Delivery and do not have a record of receiving any incoming mail from Wakefield and Associates or XXXX, TN. Instead, Wakefield and Associates have repeatedly called me, which I perceive as an attempt to annoy, abuse, and harass me, thus violating the Fair Debt Collection Practices Act ( FDCPA ). According to my call log, I received calls from Wakefield and Associates on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have attached a copy of the call log for reference. On XX/XX/year>, I lodged a complaint with the Federal Communications Commission concerning abusive VOIP calls I have been receiving since XX/XX/year>, through the VOIP provider XXXX. These calls are deliberately concealing the identity of the caller ( s ). The frequency and intensity of these calls are escalating daily. Based on the aggressive nature of the calls, I suspect that the VOIP calls are originating from Wakefield and Associates. I have also attached a copy of the call log for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I ordered jeans and white shirts from XXXX XXXX with a total of {$320.00} and it says it was delivered but when I check my camera footage no package came and when they sent a picture of the porch it was deliver it wasnt my porch I put the order number in the picture below

Company response to consumer: Closed with monetary relief