vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I asked them to stop calling me and send a letter. The man told me he could continue calling me as much as they want ( about 8 times a day ) and would bring me to court and sue me. Now they've reopened the old account on my credit report and it dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is an ongoing dispute with Experian for two accounts that have remained on my credit report even after the Chapter XXXX bankruptcy public record was removed from my credit report. The public record was removed by dispute from my credit report due to inaccurate information listed on or around XX/XX/XXXX. Since that time, I have disputed exhaustively, to have the accounts deleted from my credit report for the below accounts. These are the accounts and dates disputed for each : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. Each dispute has come back accurate and verified, I would think from the respective creditor, but who really knows how it's actually being verified. If in the event it is actually being verified by the creditor, then their information is still incorrect. The account status and status date must match, and the status date that is being reported is incorrect and would actually need to match the filing date of the Bankruptcy that was removed.

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 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Summary : On my first call, Capital One would not or could not state if I was going to be charged a late fee. Likewise, the Capitol One website stated that I MAY be charged a late fee. This is consumer harassment. On my second call, the Capitol One senior account supervisor stated I WOULD be charged a late fee, most likely for XXXX since it was my first offense. 
Specifics : Capital One card ending in XXXX. 
Payment was due on XX/XX/2022. 
Payment was made on XX/XX/2022 at XXXX pm. 
The website then stated I MAY be charged a late fee since the payment was made after XXXX EST on the due date. 
I then called a Capitol One representative. 
The first rep was not able to tell me if a late fee was going to be assessed. 
I escalated this to a senior account supervisor. 
The first Capitol One senior account supervisor stated that Capital One was recording the call. 
I informed the manager I was also recording the call on my end, in compliance with my own company policy XXXX XXXX XXXX XXXX ). 
The manager stated she was not able to continue the call if it was recorded by my own company. 
I informed the manager I was going to file a complaint with the CFPB.

The first manager hung up. 

I then called a second time. 
The second representative stated I WILL be charged a late fee. 
This was at variance with the first representative 's statement. 
The second rep was not able to tell me how much the fee would be. 
I then escalated this to a second senior account supervisor. 
This second supervisor ( XXXX XXXX was able to direct me to the statement verbiage which stated the amount ( up to 40.00 ). 

All the reps I talked to were courteous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I asked them to stop calling me and send a letter. The man told me he could continue calling me as much as they want ( about 8 times a day ) and would bring me to court and sue me. Now they've reopened the old account on my credit report and it dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm having issues with Experian they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not, XXXX XXXX XXXX. Experian keeps on dropping my score for no reason like they claim. Experian pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when I sent in my picture ID, SS card #, address, & also my light bill. they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the company paperwork & paid certified mail.

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 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/22 I sent {$50.00} usd to XXXX XXXX in XXXX I received tracking number XXXX when XXXX attempted to retrieve the money she was informed by the western union pick up location in XXXX that it was cancelled, I immediately contacted western union at XXXX at approx XXXXXXXX XXXX pst only to be told by western union that I, the senders information could not be authenticated ( yet ive been sending money via western union for over 10 years ) I was then informed that since my identity could not be confirmed they would refund my money. On XX/XX/22 I checked the western union site only to see that western unions indicates, on their site that the receiver picked up the money. I subsequently contacted western union and was told I need to have the receiver return to the bank where she tried to pick up the money, once there call western union so they could officially cancel the transaction huh? are you kidding? this person needs to pay for a taxi to go do this, yet western union didnt release the money so how will she pay for the taxi? utterly ridiculous to tell me to have a non english speaking person return to their facility, call them to cancel

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: OR

Complaint narrative:
This is the third time in the past two years that a collection agency has taken this same tactic to collect {$1800.00}. I am assuming it is again a subsidiary of XXXX XXXX XXXX that has falsely claimed that I used their services and owe them debt. I have disputed and cleared the previous two errors ( or so I thought based on meaningless follow-up communications ). I would try again to work with this new debt collector, but this problem is too pervasive. How can XXXX XXXX XXXX and XXXX ( which was just sold this past week ) create erroneous billing records and then knowingly sell the unverified debt? 

I called Enhanced Recovery Co L at ( XXXX ) XXXX. I could not get past the virtual operator, who kept demanding account numbers ( that I do not have for this erroneous claim ) as well as my complete social security number ( not just the last XXXX ). I would never trust these people with my social security number. 

The debt collection agencies change in name, but use the same abusive tactics of submitting minimal, unactionable details only to the credit reporting agencies to damage credit scores in the hope of forcing some type of payment even though nothing is owed ( legitimate or verified ). 

I have never received any tangible, actionable details in writing or via a call from Enhanced Recovery. 

How long is this ridiculous practice going to go on? Why don't they have to provide actionable details before they inflict meaningful damage to credit scores with erroneous information? Will I ever be able to make XXXX XXXX XXXX to clean my details out of its system. By the way, I have not used any any XXXX XXXX XXXX  service in more than 20 years and I never will again either. I realize that XXXX was sold this past week, but any past billing matter would have been under XXXX XXXX XXXX 's ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
A XXXX credit was opened in my name with synchrony bank. I have since closed all XXXX accounts.. I have notified synchrony bank that it was fraud, filed disputes with the credit bureaus and filed an FTC report for identity theft. Someone keeps coming back saying it is not a fraudulent account. I did not open this account nor use this account and I will not be paying any more on this account. I made the first minimum payment on the account when I saw it was opened in order to avoid more negative impact on my credit reports. I will not be making any more payments on this card as it is not mine. I also was able to recoup some of the charges from the merchants in a good faith effort. I want this account closed, removed from my credit report and charged off as fraud.

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 2022-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JP Jensen Collections, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXDebt Collector ( XXXX XXXX XXXX, located in state of Maryland XXXX is suing me for a debt that is 15 plus years old. 

In XXXX I discovered that XXXX XXXX had not billed my medical bill to my health insurance carrier, XXXX XXXX XXXX XXXX. In XXXX, I spoke with a XXXX XXXX Representatives, multiple times, and I was told that they would submit my claims to my health insurance carrier. On XX/XX/XXXX, I received from XXXX XXXX of Maryland, a 'request for writ of garnishment of property other than wages ', signed by XXXX XXXX XXXX Legal Assistant and a second signature from a Clerk of Court ( name unknown ). The State of Maryland /debt collection Statue of Limitation is 3 years. And time barred is 6 years. And this time barred debt is appearing in my credit reports for more than 7 years. Per Maryland XXXX XXXX the start date of this debt is XX/XX/XXXX- we're in year XXXX which makes this debt 15 plus years old. The document is not signed by a Judge. It was signed by a legal assistant and a clerk of court. The debt collector attempted to mislead me that a 15 year old debt is still legally recoverable, and has continued to threatened me even through cash app. They are abusive and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX Has violated my rights.. I have never contracted with this company... I demand they remove this in accurate information, that has been harming me. I have been denied multiple opportunities because of this erroneous information. 
I demand maximum penalty, damages and fines For the damage to my name and hindrance upon my life

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Has violated my rights.. I have never contracted with this company... I demand they remove this in accurate information, that has been harming me. I have been denied multiple opportunities because of this erroneous information. 
I demand maximum penalty, damages and fines For the damage to my name and hindrance upon my life

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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/22 I was contacted by Portfolio Recovery about a debt they had purchased from Synchrony Bank of $ XXXXThey had been calling repeatedly..We came to an agreement of $ XXXXInitially I tried to pay with my credit card.They said I couldn't pay with credit. The lady on then phone was speaking to me as if I were an XXXX. Other companies had taken credit no problem. When I got my debit card to pay the agreed amount the lady said I hurt her feelings and she would not accept my money. Now I find they have put this back on my credit report as if it is new..I have an email they sent detailing the agreement. I was promised if I paid the {$630.00} the collections would be removed from all the credit reports..They never had any intentions of making a deal..They wanted to put this account on for another 7 years. I request your help in removing this from my 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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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