vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: CT

Complaint narrative:
I XXXX XXXX XXXX requested Experian to investigate and then re-investigate XXXX XXXX XXXX Account number XXXX which shows charge off on my report for over 2 years. I requested that because the amount is over {$600.00} and NO 1099c was given since any " Canceled debt '' over {$600.00} according to The IRS canceled debt is to be reported as income and no longer able to be claimed as debt. Canceled debt must be reported as taxable income and filed through Form 1099-C.

If the canceled amount is {$600.00} or more, then an individual is required to file with the IRS. In addition to this violation Experian continuously reports CO  from XXXX of XXXX  to present essentially re-setting the CO date each and every month. All of these INACURACIES are adversely affecting my credit report and ability to obtain new credit. I called Experian and requested INFORMATION pertaining to this issue ONLY and was told that they could NOT provide ANY information on who and what was used to legitimatize this investigation and re-investigation. I spoke with many representatives at Experian on XXXX XXXX only to end up talking to a Manager named XXXX on the same day about XXXX who ultimately informed me the only thing he could do is dispute the matter again. I argued that I do NOT wish to be flagged as a frivolous disputing person since I have already disputed the account several times and that Experian 's Investigation and Re-Investigation would have proved with the factual evidence and by law should be removed from credit profile had it been investigated properly in the first time. I exhausted all my abilities to rectify the issue with Experian which included the request to speak to a legal dept, other managers or higher up managers via phone and or email to which XXXX declined and ultimately hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: FL

Complaint narrative:
I was review my credit report yesterday XX/XX/2022 and found a bunch of inquiries that I did not apply for. I reached out to the 3 credit bureaus, XXXX, XXXX and TransUnion. Also I tried to format a FTC affidavit and it redirected me to the cfpb. I want to apply for credit and the underwriter informed me that these inquiries are hurting my chances of getting approved

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 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/2022 I was summons by Midland Credit Management. I called their attorney to ask what was this about and was told that I was being sued for 2 credit cards for {$3300.00} 1 plus court fees unless I paid {$100.00} down and {$200.00} a month until debt is paid. I was told if I miss one payment, the judgment would go into effect. I received this the same time I was being served with eviction. I was terrified and devastated. Out of fear, I paid the {$100.00} dollars on XXXX. But I began to ask questions because I didn't know which credit card was owed what and what were the mysterious court fees. I called 3 times and got a different amount each time. It was stressed to me to sign a judgement letter as soon as I received it in the mail and rush and return it so I wouldn't get sued. I was told the judgement letter would stop the law suite and the creditors would not come after me any more. The guy representative on the XXXX of XXXX said once they receive the judgment letter, they will call the credit card companies and let them know that I signed the judgement letter and they can stop the suite . Everything began to sound shady. After sending the {$100.00}, they sent a letter stating that I agreed to a recurring payment of {$100.00} and I didn't. I stressed it was one time. I didn't return the letter, I answered the summons, and sent a cease and desist letter never received a debt validation later or the chance to dispute. They knew I was being evicted and used that to scare me even more. I'm waiting on my court date. I decided to fight back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights as a consumer.

15 U.S.C 1681 section 602 A. states i have the right to privacy. - XXXX XXXX XXXX has sent physical correspondents regarding an owed debt. 3rd party 's viewed these documents.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC
State: TN

Complaint narrative:
They keep calling me saying they know where i live what I drive and that they can get me arrested. They call every day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 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 a account without my written instructions

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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
I sent a letter to aargon collection agency in XXXX regarding an alleged collection on my credit report. They responded and sent me a statement. In reviewing the statement, it clearly shows that their information is inaccurate, The service was shut off XX/XX/2017, as the property was sold. they are trying to charge me for service from XXXX to XXXX. I replied with a letter to cease collections also included the home loan settlement statement showing everything was paid. 
THIS IS NOT MY DEBT and it NEEDS TO BE REMOVED off my report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: IN

Complaint narrative:
I filed an identity theft report with FTC due to inaccurate information reporting on my credit report and no one is helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
RE : XXXX XXXX XXXX XXXX* I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX** section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher of that information. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Delete any other address listed on my credit report other than XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I appreciate your prompt attention to this matter, and await your response. 

Sincerely, XXXX XXXX XXXX included with Victim of Identity Theft/fraud letter mailed to the credit bureau Copy of Police Identity Theft Report Proof of identity : copy of drivers license XXXX XXXX XXXXy XXXX partial credit account number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had an undelivered item ( a heater ) purchased for {$87.00} form XXXX which was marked as delivered - " left on the porch. '' We have a special hub for deliveries and I live on the third floor. The item was not delivered to my door or placed inside the hub. I did not receive the item, yet XXXX failed to issue a refund as I called their customer service multiple times. 

I disputed the charges with Capital One, and they assigned temporary credits. Months later the credits were reversed. I called again. Capitol One assigned the credits yet again. The second reversal fell off about a month later. 

I called the third ( could be the fourth ) time, Capitol One representative assured me they will take care of this. Nope, the assigned credits were reversed and they sent me an email stating the claim has been denied as I already submitted a claim for this transaction. Yes, 3-4 times, and you wasted hours of my time by accomplishing nothing. 

They don't have customer 's interests when it comes to disputes. I feel scammed by both XXXX and Capital One. 
Re : Claim # XXXX for account ending in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I've contacted All 3 credit agencies in regard to these hard inquiries on my credit report. These are all unauthorized. I've called many times and every time I'm not getting the assistance that I need. I make a request to speak to a supervisor and the representative always disconnect the line. Can someone please assist me? I don't know about either of these inquiries. Also, the company that I'm referring to 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 2022-04-19 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: Byrider Franchising, LLC
State: MD

Complaint narrative:
I've contacted All 3 credit agencies in regard to these hard inquiries on my credit report. These are all unauthorized. I've called many times and every time I'm not getting the assistance that I need. I make a request to speak to a supervisor and the representative always disconnect the line. Can someone please assist me? I don't know about either of these inquiries. Also, the company that I'm referring to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TN

Complaint narrative:
I have attempted to have TransUnion, twice in the past, remove a XXXX account ( # XXXX ) that belongs to my dead father in the case of a mixed file. The XXXX most recent letters are attached. I just got off the phone once again and was told they were powerless to remove accounts even if the account did not belong to me even though TransUnion only needs to pick up the phone and call XXXX to confirm it is my dead father 's account and that he died back in XX/XX/2021.

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 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, I went to pick up food from XXXX. I had to return the food because of a wrong order and did not have time to get something else. The manager XXXX @ XXXX was to cancel the order and refund my money within 2 days. It has now been 4 days and still no refund. I tried to call 5/3 Bank and stayed on hold for over a hour and I also called and left my phone number to get a call back from 5/3 Bank to dispute but I am unable to get a call through to them or call back to dispute this transaction. I believe the total was just over {$15.00}. I can NEVER get through to the customer service # for 5/3 Bank. When I attempt to go inside the bank. They inform me that are unable to help. I have never seen a bank so unprofessional in my life. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX Conn 's first inially stated I owed {$3300.00}. 
I eaxplained I never took delivery of the mattress. 
XX/XX/XXXX They finaly removed the mattress charge but the tv charge should only be {$660.00} XX/XX/XXXX The TV chaerge was still showing {$760.00}. The tv was only {$660.00}. 
XX/XX/XXXX I could not longer make payments Conn 's company would not tell me the late fee cahrges only what was due. 
XX/XX/XXXX I emailed Conn 's and said I can pay {$25.00}. They asked me to tell them why I explained I was no longer working they said I need to borrow the money to pay them. 
XX/XX/XXXX Still not working I can pay {$25.00}. Conn 's said I owed {$890.00}. 
XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owed {$990.00}. 
XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owe {$1300.00}. 

The amount I owed kept increasing with no explanation. However on my credti report it reported I owed {$760.00}. 

I attempted to contact COnn 's and explain that the ampunt of teh tv was {$660.00}. Please send me a ledger with the monthly late fees showing the amounts and they will not. 
They tell me one amount but I check my account online and its always more. 
I want to pay for cost of the tv. Not all these different chanrges that seem to be made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid 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: NC

Complaint narrative:
On XX/XX/2022, I opened a dispute with Capital One against XXXX XXXX XXXX and provided the requested information listed in the complaint form. 

On XX/XX/2022, I reached out for an update and was informed that the pending information that was still needed was proof of return. I explained that I contacted the merchant by phone and my request for return was not accepted, therefore, I had no proof of such. I was then instructed to indicate in writing, when and how, I contacted the merchant to request a return and on this same day I uploaded a signed statement of the request information. 

On XX/XX/2022, I contacted Capital One for an update and was informed that the case had been closed due to being filed outside of the allotted time frame. However, during the interim, I'd never received a notice that the merchant had responded to my complaint nor was there any documentation uploaded to the portal of such. I asked the rep to confirm if the merchant had ever been contacted and she continued to reiterate why the complaint why closed, which said to me that the merchant had, in fact, not been contacted. 

Capital One opened a complaint on my behalf and proceeded to request documentation from me, that I in turn submitted to them. Therefore, this case became an active and ongoing dispute. So despite the time frame, the company should now fulfill an obligation that they initiated, by following through with the entire process to completion, including, contacting the merchant. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 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 a account without my written instructions

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