vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Good morning, I've having an extremely difficult time with XXXX XXXX XXXX still reporting late payments on my credit profile well over 2 years old. I've tried to point this issue out to them that these late payments should've already been removed. 

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report. 

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good morning, I've having an extremely difficult time with XXXX XXXX bank still reporting late payments on my credit profile well over XXXX XXXX XXXX. I've tried to point this issue out to them that these late payments should've already been removed. 

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report.

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, XXXX XXXX  are reporting misleading information on my credit report that should've been removed last year. These two late payments are well over 2+ years old and it's significantly impacting my credit report. My credit worthiness has taken a big dip because of XXXX XXXX  reporting late payments that shouldn't be reporting on my credit 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 explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This complaint involves paypal fraudulent/unauthorized transactions. I reported 90 days of them as the law entitles me to do according to my attorney and then : 1. They gave back {$700.00} and {$33.00} and I transferred it all to my XXXX XXXX account and most of the money just disappeared I did have a negative balance, but it was less than the amount I deposited. 

2. Then I got an email stating that they due to my spending habits that they determined that all of the transactions were not fraudulent and disregarded.

3. I do not believe my XXXX XXXX account is connected to my paypal account, but I did transfer the funds from that account to my XXXXXXXX XXXX account because I had a negative balance and I also needed to make an overdue payment on my credit account with them. 

4. I believe that they may be using XXXX XXXX XXXX  or something similar as this is the second time that I opened up a financial institution and then I went back to look at it again and it was gone. I never delete anything so I know I did not delete it. 

I have more issues with PayPal than just this but this one is currently creating a hardship as I am XXXX but not on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
ALDOUS & ASSOICATES PL at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is regarding the failure to properly investigate the tradeline reported by XXXX in accordance with the FCRA. 

Please see ALL attached documents and the facts below. 
FACTS : XXXX states that the account that they are reporting was created in XX/XX/XXXX. 

XXXX did not have a correct email address or phone number on the account for me but the account was in my name. I never knew the account existed. 

I rented the XXXX XXXX XXXX XXXX property out to tenants in XX/XX/XXXX- XX/XX/XXXX. 

My residence address on my driver 's license did not change in XXXX of XXXX. XXXX did not obtain a copy of my drivers license from me. 

The address change on my driver 's license took place 17 months after an account was created with XXXX. This still does not validate the account ever being authorized. 

The facts are XXXX does not have any copies of identifying information to verify that I authorized an account with them and the biggest red flag is the amount of research that they seem to do on the back end but little to no research when creating an account. It does seem that XXXX should utilize their research up front to avoid unauthorized accounts being created.

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One Bank continues to report {$400.00} negatively on my credit report despite them admitting that the credit card was incorrect. I had a credit card with Capital One in XXXX, I paid the card off and cancelled because the verbal abuse I received at the hands of one of their customer associates. Fast forward years later, they have been reporting that I have a card that is paid off as agreed and another one that has been in collections for over eight years?! How?! Why would I get two credit cards from the same company, that verbally abused me??? it is truly XXXX  and XXXX. It was clearly a mistake and I recall calling the customer service line to inform them that I had cancelled the card and didnt have any other card, to which they responded saying that it was recently charged and usedthis was in XXXX. Fast forward to present day and it is still showing up on my account, I asked the Bureaus to dispute this showing that I have reports from XXXX that show the discrepancys ( due to the new dates that somehow keep updating to reflect present dates ) in the dates the card was allegedly opened. As you can see from one report from XXXX and current XXXX report data ; on one repot it shows a date of XXXX on another it shows open/reporting date XXXX! I would never, not in a million years apply for a credit card with Capital One after being disrespected by their customer service employee. This demonstrates how they and debt buyers would go to extreme lengths to make sure people suffer and dont have opportunities and fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: NY

Complaint narrative:
ON MY REPORT IT SHOWS XXXX XXXX AND XXXX XXXX/XX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW

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 2022-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory Thanks

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 2022-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I ordered a dress from Saks Fifth Avenue on XX/XX/XXXX in Order # XXXX. The dress never arrived, and the XXXX tracking showed that it was returned to sender, Saks Fifth Avenue. However, as of today, XX/XX/XXXX, I have not received a refund. I've called XXXX twice to address this issue, but no refund is forthcoming, despite the fact that XXXX has access to the same. XXXX tracking information showing that the dress was ( a ) never delivered to me and ( b ) returned to XXXX. ( Link to tracking info : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Today, I spoke with an employee named " XXXX, '' whose employee number is XXXX. She refused to issue me a refund and refused to connect me with a manager. 

XXXX has been holding my money for over a month without delivering any product, knowing that the product was not even going to be delivered as XXXX had returned the item to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, XXXX XXXX  are reporting misleading information on my credit report that should've been removed last year. These XXXX late payments are well over 2+ years old and it's significantly impacting my credit report. My credit worthiness has taken a big dip because of XXXX XXXX  reporting late payments that shouldn't be reporting on my credit 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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, XXXX XXXX  are reporting misleading information on my credit report that should've been removed last year. These two late payments are well over 2+ years old and it's significantly impacting my credit report. My credit worthiness has taken a big dip because of XXXX XXXX  reporting late payments that shouldn't be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ON MY REPORT IT SHOWS XXXX XXXX ANDXX/XX/XXXX/XX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW

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 2022-02-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
ON MY REPORT IT SHOWS XXXX XXXX AND XX/XX/XXXXXX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
THIS IS NOT MY ACCOUNT I HAVE NO IDEA WHO THIS PERSON IS OR WHAT THIS COMPANY IS I CALLED IT SAYS ITS A COLLECTION AGENCY BUT THEY CANT FIND MY INFO WHN I CALL AND I HAVE NEVER OWED MONEY TO ANY ONE IT SAYS I WAS IN COLLECTION THEY ARE NOT MY ACCOUNT NOR ARE THEY A CREDIT REPORTING FACILITY THEY ARE NOT A CREDIT CARD AND I HAVE NO COLLECTIONS NOTICES OR ANY KIND OF COMMUNICATION THIS IS NOT MY ACCOUNT REMOVE IT NOW IT SAYS PAID AND CLOSED THEN REMOVE IT AS IT IS HURTING MY REPORT AND IT IS NOT MY INFORMATION DELETE NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Care credit has charged me more in interest than actual credit card bill. Sometimes at almost {$800.00} a month in interest.

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1. XXXX XXXX XXXX is reporting to XXXX XXXX and the three major credit bureaus such a Transunion XXXX and XXXX that my closed first premier card as open with a XXXX credit limit. This is inaccurate and fraudulent. I don't have this card and it paid in full with O balance. 
2. XXXX XXXX is reporting the XXXX XXXX  card muliple/duplicates of the card must be deleted.

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
1. XXXX XXXX XXXX  is reporting to XXXX XXXX and the three major credit bureaus such a XXXX Equifax and XXXX that my closed first premier card as open with a XXXX credit limit. This is inaccurate and fraudulent. I don't have this card and it paid in full with O balance. 
2. XXXX XXXX is reporting the first premier card muliple/duplicates of the card must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CT

Complaint narrative:
The company I'm dealing with is XXXX XXXX XXXX. They call multiple times a day harassing me about a debt I believe I'm not responsible for. It is a XXXX phone bill. The debt is now over 6 years old I've been called by them hundreds of times over the years and they keep re aging the debt on my credit report it is currently saying debt is only 1 year 3months. I've disputed this as fraud multiple times but no one on there end cares. XXXX XXXX XXXX is crossing the line with harassment tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: NC

Complaint narrative:
I have recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory Thanks

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