vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I contacted XXXX, TransUnion, XXXX and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX never responded. 

TransUnion has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and XXXX never responded.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I contacted XXXX, XXXX, XXXX and Equifax starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX never responded. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and Equifax never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I contacted XXXX, XXXX, Experian and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX never responded. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

Experian and XXXX never responded.

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 2024-04-09 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: NY

Complaint narrative:
On XX/XX/XXXX, I disputed a charge with Capitol OneXXXX XXXX XXXX for a hotel reservation that was made on a suspicious hotel booking site called " algotels.com '' [ merchant ]. I informed Capitol OneXXXX XXXX XXXX about my concerns about this website and requested for them to stop the charge as I attempted to call the vendor directly but was unable on my own. Capitol OneXXXX XXXX XXXX initially credited me the amount, but then charged me again as they claimed they received communication from the merchant they proof was provided that I booked the hotel reservation via their website. Since then I have been in contact with the merchant via email ( see attached ) that acknowledged my request for a refund, but they would not give it to me because I had to wait 90 days. I'm not sure why I have to wait 90 days and spoke to Capitol OneXXXX XXXX XXXX again on or about XX/XX/XXXX. I was informed on XX/XX/XXXX, that they have " closed '' their case and told me that I should get a refund. Since XX/XX/XXXX I have still not received a refund from the merchant and Capitol OneXXXX XXXX XXXX is refusing to assist me since I have again told them my difficulties in calling the merchant and accessing their website and my continued concerns that the merchant is a fraud. I received a letter from Capitol OneXXXX XXXX XXXX that I failed to submit any documentation, but I did on XX/XX/XXXX when I attempted to reopen this dispute. I received a notification that there is nothing they can do to assist with me in accessing my refund and they ignored my request to dispute the charge with this suspicious merchant known as algotels.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
First of all, I worked for XXXX XXXX XXXX. In XXXXXXXX XXXX XXXX  when XXXX was prominent out there. I was told by my employer that If i worked there my family and I would get this medical treatment free - that is to make sure we did not have covid and if we need they would provide the help we needed. But to my suprise I receive a bill in the amont of {$730.00} in which I should not has to pay. I do believe that this is a direct harrassment of my resigning from XXXX XXXX XXXX. 
I DO NOT OWE THIS BILL AT ALL. PLEASE HAS THIS BILL REMOVED FROM MY CREDIT REPORT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2024 I initiated a payment of {$2000.00} to a XXXX business credit card. The {$2000.00} payment posted on XXXX to my credit card and XXXX returned payment. I contacted XXXX and they advised Marcus Bank by Goldman Sachs returned the payment. XXXX advised they returned it but it has not showed in my account. I contacted Marcus Goldman Sachs and they advised they are opening a case but theyre not sure why its not showing in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a mental XXXX that makes me get incredibly verbally angry at people in stressful situations, and I repeatedly told Capital One of this throughout the reposession. They retaliated against me for cussing out the local tow company whom has damaged and stolen a lot of property from people from what I can tell. I told them not to take anything off the car or in the car or I'd kill them. Obviously the tow company ( XXXX  XXXX  ) had intent to steal parts or belongings because they perceived that as a threat, which is very concerning. Capital One proceeded to retaliate against me for my XXXX despite being previously informed of exactly what it is and exactly what it causes. Because of this interaction with the tow company, the {$1700.00} I was quoted to get my car and reinstate was changed to {$10000.00}. I told them I couldn't pay that, if I can't pay the {$1700.00} I might literally have to kill myself because I would be completely destitute without my car currently. When I proceeded to explain all of the above to them, they rotated me for hours to different departments ( XXXX different reps in 2 days of calls ) and proceeded to antagonize and terrorize me in retaliation for my XXXX and called a XXXX  check on me that was wholly unwelcome after having me speak to someone in the " Office of the President '' who was going to have a " case manager '' call me back. I have not had issues with Capital One up until this point so I am not sure why all of their phone representatives and the company itself has suddenly decided to be so morally bankrupt. I just want to reinstate and get my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Hey, so in XXXX I got a vanilla prepaid gift card. When I went to use it my card got declined. When I checked the recent transaction the card was charged {$500.00} at XXXX in XXXX XXXX and at the time I was in New Jersey. I contacted vanilla about a dispute, because obviously the card was compromised before I got it. I filed a dispute and a claim and they said it could take up to 90 days. They never sent me an email to track the claim either. Its been over 90 days and when I called them they said theres nothing they can do. The card was compromised before I even got it, so I dont think its fair they are saying there is nothing then can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME TAHT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXIST. NEED THIS REMOVED I HAVE DISPUTED THIS ACCOUNT SEVERAL TIME AND XXXX TAKE IT OFF OF MY CREDIT AND THEN THE CREDITOR PUTS IT BACK ON MY CREDIT AND SAYS THAT IT IS ACCURATE INFORMATION. 

I DO NOT HAVE ANY KNOWLEDGE OF THIS DEBT AND I WANT IT REMOVED XXXX XXXX SOLD MY PERSONAL INFORMATION TO A THIRD PARTY COMPANY WITH OUT MY CONCENT TO GIVE MY PERSONAL INFORMATION OUT EXPECIALLY MY SOCIAL SECURITY NUMBER, DATE OF BIRTH, ADDRESS AND STUFF! THEREFORE I AM NOT RESPONSIBLE FOR THIS DEBT CAUSED BY IDENTITY THEFT. 

I HAVE NEVER EVEN HAD XXXX XXXX. SOMEONE STOLE MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have disputed the above account with all three credit bureaus. Each bureau has claimed that your company has supplied documentation that validates the accuracy of this account. I know my rights under the Fair Debt Collection Practices Act, and I request that you provide me with ALL documentation you have in your file to validate the alleged account immediately. 

Please Verify the following : Name and mailing address of the Original creditor The date you acquired this alleged debt The date of first delinquency on this account Proof that your company is licensed to collect in Texas The original balance owed on the account A breakdown of any interest, additional charges, or fees your company has added to the account. 
A copy of the notice you sent me regarding my rights to validate this account before you presume it is accurate to the credit bureau. 

Suppose your office fails to respond to this validation request within 30 days from the date of the delivered receipt. In that case, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

Please be advised that if you or the company you represent have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

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 2024-04-09 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: IL

Complaint narrative:
I have not authorized these inquiries, and they have nothing to do with my financial activity. I want my credit report to be immediately updated with their removal.

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 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT CALLED ME AND THREATENED ME WITH LEGAL ACTION AND REFUSED TO ANSWER QUESTIONS OVER THE PHONE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently discovered several discrepancies and inaccuracies in my credit report, which were provided by XXXX, XXXX and TransUnion. These errors have had a significant negative impact on my financial standing and have caused unnecessary distress and inconvenience. 

According to the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information about consumers, ensuring that their credit reports are fair and reliable. However, upon reviewing my credit report, I found the following violations of the FCRA : XXXX. My name is incorrect XXXX. They stated that my accounts are Verified... 

XXXX. They have not sent the requested documents to prove the accounts are Verified.. 

I have made several attempts to rectify these errors by contacting XXXX, XXXX and TransUnion directly. However, their response has been unsatisfactory, as they have failed to promptly investigate and correct the inaccuracies as mandated by the FCRA. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take appropriate action against XXXX, XXXX and TransUnion. I believe that the violations mentioned above not only infringe upon my rights as a consumer but also undermine the integrity of the credit reporting system as a whole. 

Enclosed with this letter are the supporting documents, including copies of my credit report highlighting the errors, correspondence with XXXX, XXXX and TransUnion, and any other relevant evidence. 

I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair credit reporting practices. I request your prompt attention to this matter and a thorough investigation into the violations by XXXX, XXXX and TransUnion. Additionally, I would appreciate regular updates regarding the progress of this complaint. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting. 

Sincerely,

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently discovered several discrepancies and inaccuracies in my credit report, which were provided by Experian, XXXX and XXXX. These errors have had a significant negative impact on my financial standing and have caused unnecessary distress and inconvenience. 

According to the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information about consumers, ensuring that their credit reports are fair and reliable. However, upon reviewing my credit report, I found the following violations of the FCRA : XXXX. My name is incorrect XXXX. They stated that my accounts are Verified... 

XXXX. They have not sent the requested documents to prove the accounts are Verified.. 

I have made several attempts to rectify these errors by contacting Experian, XXXX and XXXX directly. However, their response has been unsatisfactory, as they have failed to promptly investigate and correct the inaccuracies as mandated by the FCRA. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take appropriate action against Experian, XXXX and XXXX. I believe that the violations mentioned above not only infringe upon my rights as a consumer but also undermine the integrity of the credit reporting system as a whole. 

Enclosed with this letter are the supporting documents, including copies of my credit report highlighting the errors, correspondence with Experian, XXXX and XXXX, and any other relevant evidence. 

I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair credit reporting practices. I request your prompt attention to this matter and a thorough investigation into the violations by Experian, XXXX and XXXX. Additionally, I would appreciate regular updates regarding the progress of this complaint. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting. 

Sincerely,

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