vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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: Terrill Outsourcing Group
State: TX

Complaint narrative:
I previously filed a CFPB dispute against SUPERLATIVE RM on XX/XX/year> asking for proof that they had permission to pull my XXXX credit report. That CFPB dispute number was XXXX. 

SUPERLATIVE RM responded on XX/XX/year>. In their response they did not provide any of the information I had requested, nor did they address the issue I had raised. Instead, XXXX XXXX, the Compliance Manager, stated that she sent a direct response to me. This was a lie. I have not received any communications from her or SUPERLATIVE RM. 

If SUPERLATIVE RM does not provide proof that they had permission to pull my report, I will have no choice but to take further action. If proof is not provided through the CFPB, this will be accepted as an admission that SUPERLATIVE RM did not possess a lawful reason to access my report. 

Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-08-24 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-08-24 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report & noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I locked at copy at a copy of my credit report amd noticed several inaccucies on my account. This account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account Name : XXXX XXXX. Account Number : 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 2024-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I have discovered a healthcare collection on my account, and I am unsure of its origin and how my information was obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TranUnion 's response as 'verified ' is misleading, inaccurate and at this point amounts to fraud and at the very least, willful non-compliance. I have attached correspondence from the furnisher XXXX stating the alleged 'verified " item WAS REMOVED FROM MY CONSUMER REPORT. ( SEE ATTACHMENTS ) They COULD NOT VERIFY THE ACCOUNT so they deleted it! However, TransUnion is reporting it as 'verified '. How did they come into this information? I know i never gave it to them.. nor the U.S.Bankruptcy Court . Ga. As a consumer i have the right to MAXIMUM ACCURACY! I will have the right to face all who furnished this 'UNVERIFIED " 'Verified ' information. I also have correspondence from the Bankruptcy Court in Ga that states that they did not/ DO NOT furnish consumer information to Third party agencies! TransUnion is in violation of 15 USC 1681i, in your response to my dispute you claimed that the account # XXXX had been 'verified. ' They have validated information that has been LOCATED and REMOVED by the furnisher ( XXXX ) *See Attachment * and this item is hereby disputed. The information on this account being furnished to my consumer report in fact CAN NOT be validated. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, 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 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. 

Congress states : 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Delete this account from my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: TX

Complaint narrative:
I am a victim of identity theft I have inaccurate information listed on my credit report. I have inquries that I never authorize due to this Equifax breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-08-24 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: DISCOVER BANK
State: NY

Complaint narrative:
Hi. I'll try to be brief but concise with my situation. 

On XX/XX/year>, I purchased a commission ( customer order ) of a hand-made plushie for my original character. The purchase was completed on this website XXXX XXXX XXXX XXXX. It was completed through my XXXX account ( XXXX ), but paid with my Discover It Credit Card. I purchased a XXXXXXXX XXXX XXXX, which is no longer available as an option there. It costed {$350.00}, and after tax, the total came out to {$380.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX on XXXX ) opened these commissions on a first-come first-served basis, with numerous slots. After placing my order, I was made known that I could expect my plushie to be created in XXXXXXXX XXXX Attached in the photos are one of the plushie schedules with my character circled. I also provided the reference sheet of my character just to further prove that it's my character. 

Essentially, the screenshots show that from XXXX to XX/XX/XXXX, the seller had gone completely silent with no forms of communication on either XXXX, her primary form of communication, as well as email, despite attempts from myself and numerous people to contact her. She had gone silent and not worked on the products as scheduled from at least the middle of XXXX. 

At the start of XXXX, she finally returned to XXXX  out that she had unfortunately attempted XXXX  She further stated that there would be no ETA provided for when plushies would be delivered, as shown in the screenshots. Since then, she still has not communicated publicly, nor has she responded to my emails. And to my knowledge, I do not know if she has responded to others ' inquiries either. 

I attempted to file a dispute with Discover for this. The Dispute number is XXXX. I actually filed the dispute before she had returned to post on XXXX about her XXXX  attempt, but I made sure to include this proof in the dispute. To my knowledge, policies regarding refunds and disputes operate on when a product is expected to be received and not when the purchase date occurred. However, despite the circumstances and evidence provided, Discover did not grant my dispute and decided to not grant my dispute. 

After this, I still attempted to message the artist and ask for a refund directly once more, expressing a sadness towards their news but a worry about the situation regarding the commission. They have not responded to me for days now and I am not sure what their current situation is. As you may notice in the screenshot of my message to her, she does draw characters before creating plushies of them, and that drawing is in the plushie schedule picture mentioned earlier. I did offer her to not receive a full refund since I acknowledge the effort put into that part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-24 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-08-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, the agency contacted my ex-spouse and at least one other family members via phone calls. Unsure how they solicited those contact information, but it was inappropriate. I do not feel comfortable sharing those information with others. When I asked about how did you get those contact information, the agent on the phone did not provide a reason.

The agent also pretended to not be calling from a debt collection agency. I had to ask explicitly " is this a debt collection agency? '' to which, she then reluctantly said " Yes ''. 

On XX/XX/XXXXXXXX XXXX XXXX  I attempted to call their toll-free number XXXX and the local number XXXX to speak to their agent about resolving the debt by making payment arrangements. Despite their letter stating the office house is M-F XXXX ( EST ), nobody answered the call. I repeated called those numbers for at least XXXX more times before their office closes at XXXX to no avail. This is a false indication of their reachable office hour as stated on the letter.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
To whom it may concern, Back in XXXX| made several large purchases on my credit card totaling {$4500.00}. And to my dismay I realized that this company was charging me excessive amounts of interest to almost XXXX XXXX month additionally on my card... in addition to thatthis time last year stuff kept happening to my account like statements get switched to email statements and payment alerts got turned off my accountwhich created late fees ( like now they are telling me I went online and switched my account AGAIN to online statements by email only ) I would have never done this knowinglythis caused missed payments and late feeswell last year they reversed some of the {$29.00} late payments... but not this year and the late fee almost doubled This company uses unfair tactics in their billing... you can schedule payments but you can not make additional payment without canceling the scheduled paymentif you pay after XXXX on your due date thats another late fee and they are in a different time zone an hour ahead... the list just goes on and on with the hidden tactics and fees... I paid over {$1000.00} towards the card last month so when I didnt receive my text message reminder or my paper statementI assumed that I was exempt from payment this monthbut when I looked at my locked account I noticed a whooping {$40.00} late fee on my accountThis Whooping {$40.00} late fee is almost double the typical late fee amounts ... when I realized that 2-3 days laterI immediately went online and made another {$620.00} paymentso I called capital one to explain what happened and requested the late fee waived and was immediately denied the waiverthis is pure gouging and I would like an investigation of my entire account for this past year because the interest charged seemed excessive for the balance on the card ... my statements and alerts keep getting turned offThis CapitalOne savor card has been unfairly gouging me for a year now and their practices need to be investigated. I believe they are targeting and taking advantage of the elderly too

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: MOHELA
State: DC

Complaint narrative:
I am attempting to correct my credit report with XXXX, XXXX, and XXXX. On my XXXX credit report states it states that I have an account with Mohela. I contacted XXXX to let them know that I do not have an account with XXXX because the account was transferred to XXXX. I disputed this claim and the during XXXX 's " investigation '', Mohela claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not Mohela. I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called Mohela to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, Mohela continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided XXXX with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial XXXX  XXXX disbursement. I want the full loan history including the transfer information between lenders. 

I filed a report with CFPB informing it of Mohela 's actions. Mohela acknowledged that my loan was transferred with CFPB, but refuses to acknowledge this same information with the credit reporting agencies. In addition, when I reported this error Mohela lied and stated that the negative statement was added before the loan was transferred. This is a lie. The negative credit remark was added on my account in late XX/XX/XXXX after the account was closed. As I previously stated, I timely made my Mohela bills. When my account was transferred, I begin making payments to XXXX. I want my credit report corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am attempting to correct my credit report with Equifax, XXXX, and XXXX. On my Equifax credit report states it states that I have an account with XXXX. I contacted Equifax to let them know that I do not have an account with Equifax because the account was transferred to XXXX. I disputed this claim and the during Equifax 's " investigation '', XXXX claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not XXXX. I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called XXXX to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, XXXX continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided Equifax with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial XXXX  XXXX disbursement. I want the full loan history including the transfer information between lenders. 

I filed a report with CFPB informing it of XXXX 's actions. XXXX acknowledged that my loan was transferred with CFPB, but refuses to acknowledge this same information with the credit reporting agencies. In addition, when I reported this error XXXX lied and stated that the negative statement was added before the loan was transferred. This is a lie. The negative credit remark was added on my account in late XX/XX/XXXX after the account was closed. As I previously stated, I timely made my XXXX bills. When my account was transferred, I begin making payments to XXXX. I want my credit report corrected.

Company response to consumer: Closed with non-monetary relief