vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I am writing regarding the account in question with XXXX XXXX XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and Transworld. I previously requested verification of this account from XXXX XXXX, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). However, the only response I received was a bill. Subsequently, I received a letter from XXXX XXXX stating that they are not required to provide verification more than once and refusing to send any further documentation. 



Separately, I noticed Transworld listed on my credit report as a collection agency for this account. I had never received any correspondence from Transworld until I requested verification of the debt. In response, they also sent me a bill, but no additional information or documentation proving that the account is valid or that I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zebit, Inc.
State: OH

Complaint narrative:
The underlying account, which is the subject of this dispute, was established pursuant to a Retail Installment Loan opened with Zebit, Inc on or around XX/XX/XXXX. 



For your records, please find the name and address of the original creditor below : Zebit, Inc XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX We have reviewed the records for your account and can confirm the following details : Obligor Social Security Number : XXXX Open date : XX/XX/XXXX Date of last payment : XX/XX/XXXX Amount of last payment : {$200.00} Charge off date : XX/XX/XXXX Charge off amount : {$610.00} Current balance : {$610.00}. 

I never received a 1099c since account has already received a tax credit and it reporting fraudulently on my credit bureaus. 
I responded to the credit bureaus and to also Zebit today via certified mail This isa follow-up to the letter I received about the charge off accounts number XXXX that I never received a 1099c 1. Account XXXX The account was settled and XXXX was written off. This account was changed from a receivable to a loss in Zebit, Inc accounting books. Zebit, Inc had to report this loss to the IRS to receive a tax credit.

The definition of a charge off is : The Creditor ( Zebit, Inc ) changes the account from a receivable account to a lost in capital one accounting books. This loss has to be reported to the IRS in Zebit, Inc Corporate Tax return to receive a tax credit for the lass. 
The IRS Definition of an 1099c is used to declare amounts of {$600.00} or more that is forgiven or canceled by a lender or creditor, including the abandonment of secured property or a foreclosure.

There is a reference guide used that describe the detail of the 1099c A. ( Bankruptcy ) B. Other Judicial Debt relief } C. ( Statute of limitation or expiration of deficiency ) D. ( Foreclosure Election ) E. ( Debt Relief from probate or similar Proceeding ) F. ( By Agreement ) G. ( Decision or policy to discontinue collection ) This triggered an issuing of a 1099c to the I RS and to the Debtor XXXX XXXX. I have not received a 1099c to apply to my income tax as income, as income as well should not be on a credit report and your organization is reporting that to the credit bureaus which is a violation of the FCRA. Furthermore. I also verified with the IRS if I have any 1099c that was issued to XXXX XXXX and the IRS said I have no 1099c that has been reported to the IRS. I have not received any 1099c from Zebit Inc. which brings into question why I have not received a 1099c on this charge-off account?

Company response to consumer: Untimely response
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Back in XX/XX/XXXX, I used XXXX to purchase an airline ticket and a hotel reservation. I paid both off and was under the impression that everything was in good standing. Then, recently it appeared on my credit report as a delinquent account. From XX/XX/XXXX until now, I have tried to settle this debt. XXXX told me it was paid off, then, I called again, they told me it was with XXXX XXXX. This is an unfair delinquency on my credit report for XXXX, and for the XXXX dollars. I paid the XXXX dollars in full and this is not delinquent. This is paid as agreed. Please change the status of this account. Both of these accounts violate all credit reporting policies and law. I didn't know I had a debt, and I wasn't provided with a way to pay the debt. I have been given the wrong information by XXXX and XXXX XXXX. I'm supposed to be informed about the debt and be given a way to pay it if such debt is valid. I wasn't given neither. I didn't receive anything in the mail or at my address. And through all this, they locked up my XXXX app and made me wait months before I could access it again, so I couldn't even check the App. They said they were verifying that it was me. 
I called XXXX to pay it ; they told me it was with XXXX XXXX. I called XXXX XXXX, and they told me they didn't have it, that it was with XXXX. I called XXXX again, and they said they don't have a way for me to pay this because it's with XXXX XXXX. XXXX XXXX said they had if for XXXX day and it was transferred back to XXXX. XXXX is steadfast that they don't have away for me to pay the debt off, and XXXX XXXX is standing on the fact that I need to pay it through XXXX. This is unfair and unjust months of reporting to my XXXX credit report. I am pleading with you to help me get it off my credit report completely, and I be sent a debt validation letter and away to pay it if this is a valid debt. This is going on too long. I've tried. It's very stressful and it's taking a toll on my XXXX Credit Report. Please delete both accounts off. I have added one of the letters that XXXX XXXX has sent me, and it's been many letters. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-30 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: Kikoff Inc.
State: MO

Complaint narrative:
2nd NOTICE : The first CFPB report number # XXXX I stated that Kikoff is reporting different information to the big 3 credit bureaus and I requested a factual investigation. Instead of a factual investigation and removal of the non-factual and accurate up to date information Kikoff sent me " validation '' of this debt. FCRA requires companies to report accurate, up to date and factual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
During my prior incarceration I became a victim of identity theft due to the XXXX data breach of XXXX. Numerous accounts and applications were submitted without my knowledge or consent while I was in federal prison. After my release I received my settlement payment from XXXX for the breach. XXXX also removed all of the debts from my XXXX credit report and gave me further instructions to help guide me to credit recovery with the other credit agencies and furnishers. However I have not been so lucky with transunion and experian or the credit furnishers thus far. These debts not only remain in violation of the FCRA but also in violation of IRS codes and regulations. Aside of the debts being fraudulent and still remaining on my report I've also been made aware they are ( charge off profit loss debts ) meaning these credit furnishers received compensation from the irs and did not provide me with a 1099c. To be more specific, these credit furnishers include XXXX  XXXX XXXX {$16000.00}, XXXX XXXX XXXX  {$6000.00}, XXXX XXXX XXXX  {$85000.00}, XXXX XXXX XXXX  {$28000.00}, XXXX XXXX  {$12000.00}, etc

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: WA

Complaint narrative:
My information was exposed I think it was a data breach I see transactors on my credit report that were not done by me I also you see a open credit card for the amount of {$11000.00} a XXXX  XXXX card two times of XXXX XXXX XXXX {$160.00} and {$790.00} and Jefferson Capital

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$96000.00} XX/XX/XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX NOT RECOGNIZED XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C , 1681section 602 A. States I have the 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 my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXXXXXX {$96000.00} XX/XX/XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX NOT RECOGNIZED XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX 1681section 602 A. States I have the 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 my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2024-12-30 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 disputing multiple inaccuracies and unauthorized actions on my credit report that violate my rights under U.S. Code laws, including 15 USC 1681a ( 2 ) ( i ), 15 USC 1692g, and 15 USC 1681c-2. Here 's a summary of what happened : XXXX : ** I request this late payment be updated to " paid as agreed, never late, '' as it should be excluded under 15 USC 1681a ( 2 ) ( i ). 
XXXX - XXXX : ** XXXX XXXX XXXX XXXX, I demand validation of this alleged debt. Without proper proof, this account must be deleted from my report. 
XXXX XXXX - XXXX, XXXX, XXXX : ** I demand validation of these debts under 15 USC 1692g. Proof of the original contract bearing my signature or other required documentation must be provided, or the items should be removed. 
XXXX  - XXXX : ** I request validation under 15 USC 1692g, with specific proof of the debt and the collector 's authority. Without this, the false reporting must be removed. 
XXXX - XXXX : ** Validation of this alleged debt is required under 15 USC 1692g. Failure to provide the documentation mandates removal of the account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : ** I demand validation of this debt as per 15 USC 1692g. Lack of proper validation means the item must be deleted. 
XXXX - XXXX : ** Validation is required under 15 USC 1692g. If not provided, this account must be removed. 
XXXX - XXXX : ** I request validation under 15 USC 1692g. Documentation proving the validity of this debt is necessary, or it should be deleted. 
XXXX - XXXX : ** The debt must be validated under 15 USC 1692g. If proof isn't provided, this account must be removed. 
XXXX XXXX XXXX - XXXX : ** I request validation under 15 USC 1692g, including original documentation. Failure to comply requires the accounts deletion. 
XXXX - XXXX : ** This debt must be validated per XXXX XXXX XXXX. Without evidence, this entry must be removed. 
Bankruptcies : My identity has been violated, and fraudulent use of my personal information occurred. I demand the deletion of these bankruptcies under 15 USC 1681c-2 and 15 USC 1681b within four business days. 
Additionally, I assert my rights under XXXXXXXX XXXX XXXX  XXXX XXXX, where failure to comply with these legal obligations may result in liability for willful non-compliance. I demand immediate action to address these issues, including deleting inaccurate or unverifiable information from my credit report. If my requests are not honored promptly, I am prepared to escalate this matter through legal channels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: AL

Complaint narrative:
In XXXX of 2024 I contacted Prestige to voluntarily surrender vehicle after noticing that making payments on time for XXXX full year, my balance was not decreasing at all. This was very disturbing. I contacted them for an explanation and was informed that all payments goes towards interest first before anything is applied to principle. I then began to research this company on the XXXX  and discovered that several others have made complaints against this company for fraud/misinformation. There has been several lawsuits against this company as well. After XX/XX/year>, Prestige consistently harassed me to continue making my monthly payments, although they had come to pick up the vehicle. I informed them that I would not be making any additional payments on a vehicle that I no longer have, until the vehicle was sold at auction for fair market price. I contacted Prestige over the next few months to see when vehicle would be sold at auction, and was informed that the vehicle was not set to sell until XX/XX/year>, with no explanation as to why so long, considering the vehicle was returned in good condition. In XXXX, I reached out to them again to check the status and was advised that the vehicle had sold for {$6000.00} but they only gave me credit for {$5000.00} due to other unexplained/unknown fees. Prestige sent me a Deficiency notice with my outstanding balance owed that does not seem accurate/legit at all. I asked them to send me written documentation/proof regarding bill of sale from auction to see what the vehicle actually sold for. I was advised that they could not send me this information. I reached out to my attorney to advise of this statement from prestige. My attorney then reached out to them by mail requesting that they send all documentation and paperwork from sale of vehicle and complete financial accounting of this account to ensure correct amount is applied to my account. They have yet to provide the requested documentation. There is no reason I should still owe over {$17000.00} for a vehicle that i voluntarily surrendered after paying over {$6500.00} within having the vehicle for 1 year, them allegedly selling the vehicle for {$6000.00}, when the original financed amount was only {$20000.00}. Also according to my contract that is included, i paid {$1000.00} for gap insurance, but according to the deficiency letter received from Prestige, it states {$0.00} for gap insurance. There are several questionable inaccuracies on this deficiency letter as well as the account statement that was sent to me. I have also tried logging into my account to get my past payment history but am receiving a forbidden error message when doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I took out several loans with Eagle Loans and they never went over any of the extra fees with me until XX/XX/XXXX. When I asked if I could decline all of the other fees/insurance coverage I was told no. 
The only terms of the loan agreement that they clearly went over was the monthly payments and how they were to be paid. I feel like the rest of it was rushed. The original loan I took out in XX/XX/XXXX, I never received a copy of that contract. Every 6 months they call you and make it sound like a good deal for you to re-finance and take out more cash. 
I was only explained that I was charged for the insurance item on line 2 of the loan agreement which is {$22.00} for XXXX XXXX XXXX. 
The add on items that I was charged for is line 3 {$28.00} XXXX XXXX XXXX, line 5 {$120.00} Premium to XXXX XXXX, {$12.00} paid to XXXX XXXX for XXXX XXXX, {$100.00} paid to XXXX XXXX XXXX for Membership Fee, and last but not least the {$200.00} loan origination fee. I was never told that any of these fees would be charged, not even the origination fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
We received notification that our loan had been purchased by Mr. Cooper from XXXX in or around XX/XX/year>. On XX/XX/XXXX, we experienced significant damage from XXXX XXXX resulting in an insurance settlement of nearly {$200000.00}. Our insurance company, XXXX XXXX, released check of ~ {$100000.00} at the end of XXXX which contained the names of my wife and myself as well as Mr. Cooper ( Nationstar ). That check was endorsed and sent to Mr. Cooper which they received on XXXX. We expected to receive an initial payout of 40 % with a second payout occurring once a it could be verified that 25 % of the work had been completed. However, instead of receiving the payout expected, we only received a check for ~ {$8400.00}. We were told they were paying out based on total damages instead of percentage of claim check. However, the total they chose to pay out included reimbursements directly to contractors that had already been paid. We initially requested an inspection on XXXX, but were told we couldn't get one until the initial payout was processed. We followed up on XXXX and were told a virtual inspection would be completed. On XXXX we received a message from an inspection company ( already over the promised 6 days to schedule ) but they never followed up with the actual details. On XXXX we were told there was an error with the initial calculation and additional funds would be sent, but I was hung up and no resolution ever occured. On XXXX I followed up again and was told i would be handled, but nothing has occured. 

At this point, Mr. Cooper has had our funds for 19 days. Over {$85000.00} in work has been completed, but less than 10 % of that has been released. Timelines for inspections have not been met and no alternate solutions have been provided. At this point, my wife and I are dipping into savings and borrowing against our XXXX  just to be able to pay for work that has already been completed. This is after insurance has fully paid out for the required work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account 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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: LA

Complaint narrative:
The debt the company is trying to get is fraud. I am a victim of identity theft. I confirmed with my bank this is fraud and a scam! I never lived at the apartment XXXX they are stating in the email.

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