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: 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: IL

Complaint narrative:
I noticed discrepancies on my account last year and contacted the reporting agency. There is an account i've asked four times to be investigated. Even filed a CFPB complaint and they removed it but put it back on with updated spelling. I am disgusted. 

I sent a letter XXXX2021, XXXXXXXX,XXXX.2021, XXXX, XX/XX/2021, and XX/XX/2021. 

The charge off from XXXX XXXX remains on my report and with conflicting reporting. I want it DELETED. 

The account number is missing, high credit amounts are different, date of last payment and active is different, payment history is different. If its the same account and they both investigated HOW is the accounts reporting differently.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I have went on Experian once a month for the past XXXX months explaining the old addresses on my credit report. I have not lived at some of these addresses for over 10 years and have constantly asked to take them off. They continue to update and leave FIVE or more addresses that I no longer live.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Meridian Financial Services, Inc.
State: NC

Complaint narrative:
I contacted XXXX about an account that was reporting the wrong open collection date. 

This account is with XXXX XXXX, XXXX XXXX. They initially reported my account to XXXX XXXX agency in XXXX after 4 years of reporting, it was then given to Meridian in XXXX. 

Meridian now reports the first open date of this collection account as XXXX. This is not the initial collection date of the account from XXXX XXXX, XXXX XXXX  that was reported to XXXX originally XXXX. 

I called XXXX XX/XX/XXXX to verify the information and that it is correct and that Meridian received the account in XXXX. However, they did not carry forward the initial collection year date from XXXX XXXX, XXXX XXXX as XXXX, but reported it as XXXX which starts a new 7 year period of reporting. This account has already been reported for 4 years ( XXXX ) already with a credit reporting agency XXXX. 

I contacted Meridian and asked them to provide me with the first date this account was open and they continue to state that it was XXXX. I asked for specific information about the property and I could not get anything. 

I contacted XXXX and filed 3 disputes ( XX/XX/XXXX and XX/XX/XXXX ) to get this resolved. XXXX said that the information will remain the same each investigation took a matter of 24-48 hours. I do not know how the investigation was conducted. 

As part of my dispute, I provided XXXX with the credit report from XXXX that shows that this business initially reported this account to XXXX in XXXX, but the initial collection date of this account remains at 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 2022-02-06 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: IL

Complaint narrative:
I noticed discrepancies on my account last year and contacted the reporting agency. There is an account i've asked four times to be investigated. Even filed a CFPB complaint and they removed it but put it back on with updated spelling. I am disgusted. 

I sent a letter XXXX, XXXX, XXXX, XX/XX/2021, and XX/XX/2021. 

The charge off from XXXX XXXX  remains on my report and with conflicting reporting. I want it DELETED. 

The account number is missing, high credit amounts are different, date of last payment and active is different, payment history is different. If its the same account and they both investigated HOW is the accounts reporting differently.

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: AL

Complaint narrative:
I have had a fraud alert on my credit for the last 3 years or so. I have contacted all the bureaus to have it removed. XXXX and XXXX removed the alert with no problem. I have tried removing the alert from my credit for the last 6 months with experian and they will not remove it. I just tried on XX/XX/2022 again. I submitted my documentation electronically and still have not received a response. They do not give you a confirmation number or tracking number for your claim. I have tried calling multiple times with the various numbers they have but you can only communicate with the automated service. This is really frustrating. I have missed out on different credit cards and even refinancing my home. Please help 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 2022-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I transferred cell phone services and equipment to two other XXXX customers around XX/XX/XXXX. XXXX did transfer the services but around the Summer of XXXX, they charged me for equipment in the amount of {$490.00} and {$1700.00}. I explained to XXXX and they agreed the account was transferred to XXXX XXXX and XXXX XXXX. 

As of today, the amount for {$490.00} has been sent to a collection company XXXX XXXX that has placed that amount on my credit as the ONLY derogatory debt. The other charge of {$1700.00} is showing late on my credit report from XXXX. I have disputed these charges with the credit bureaus and they reappear. I need immediate help.

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 contacted XXXX about an account that was reporting the wrong open collection date. 

This account is with XXXX XXXX, XXXX XXXX. They initially reported my account to XXXX XXXX agency in XXXX after 4 years of reporting, it was then given to XXXX XXXX XXXX. 

XXXX now reports the first open date of this collection account as XXXX. This is not the initial collection date of the account from XXXX XXXX, XXXX Resorts that was reported to XXXX originally XXXX. 

I called XXXX XX/XX/XXXX to verify the information and that it is correct and that XXXX received the account in XXXX. However, they did not carry forward the initial collection year date from XXXX XXXX, XXXX XXXX as XXXX, but reported it as XXXX which starts a new XXXX year period of reporting. This account has already been reported for XXXX years ( XXXX ) already with a credit reporting agency XXXX. 

I contacted XXXX and asked them to provide me with the first date this account was open and they continue to state that it was XXXX. I asked for specific information about the property and I could not get anything. 

I contacted Equifax and filed XXXX disputes ( XX/XX/XXXX and XX/XX/XXXX ) to get this resolved. Equifax said that the information will remain the same each investigation took a matter of XXXX hours. I do not know how the investigation was conducted. 

As part of my dispute, I provided Equifax with the credit report from XXXX that shows that this business initially reported this account to XXXX in XXXX, but the initial collection date of this account remains at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2022, I called synchrony bank to make a payment for my credit card. The payment was authorized & I received a confirmation number. A month later I received an update on my credit score indicating a significant decrease in my score. This is false i called in to make a payment.

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: 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: VA

Complaint narrative:
I have submitted to successive disputes over the past 2 months requesting Transunion to update my credit report to reflect that an auto loan with XXXX XXXX XXXX XXXX be updated to show that account is settled and paid on full. On both disputes Transunion stated that their assessment of the account being open was correct. The account was closed on XXXX XXXXXXXX of 2021. Both XXXX and XXXX correctly reflect the account as settled and closed. I called the credit union [ ( XXXX ) XXXX ] to verify the account shows as closed and they have verified. Transunion refuses to contact the bank with my account information to verify after 2 months of submitting disputes to have my credit report updated. 

I have uploaded proof from XXXX XXXX XXXX XXXX showing the loan is paid in full.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
his dispute is regarding my payment history and credit reporting. I'm was the under the impression that I was on a repayment plan by agreeing to this plan I was not informed that my credit would be impacted. I reached out several time regarding this matter and was told that the issue was going to be rectified. 

I attached my repayment plan.

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: PA

Complaint narrative:
his dispute is regarding my payment history and credit reporting. I'm was the under the impression that I was on a repayment plan by agreeing to this plan I was not informed that my credit would be impacted. I reached out several time regarding this matter and was told that the issue was going to be rectified. 

I attached my repayment plan.

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: Experian Information Solutions 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 XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Received XXXX repeated call from XXXX ( XXXX ) XXXX at times ranging from XXXX am, XXXX am, XXXX am, XXXX am, and XXXX am. These calls were taken place on Sunday, XX/XX/2022. The number is from Credence debt collection agency on their website it states that they are not open on Sundays but yet Im received repeated calls within an hour time span.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XXXX XXXX I made a minimum payment of XXXX. My balance left owed was XXXX. I paid again on XXXX XXXX for XXXX. This credit is not showing and I was charged XXXX. Then you received the first collection call today XXXX XXXX. To inform me that I had incurred another late fee of XXXX. I have paid it in its entirety and requested the account closed. I did not make a payment this month because the one I made the end of XXXX should have paid the balance in full. And the late fees compounding and no notice at all until today.I have also been locked out now from all accounts to do with XXXX that is the card I am referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MS

Complaint narrative:
I was a victim of Identity Theft and have filed reports. XXXX XXXX and XXXX XXXX threatened to kidnap my XXXX child and forced me to give them my credit card information, logins, etc. I filed FTC report and Police Report. XXXX, XXXX, and XXXX XXXX wrote off the debt but discover has charged it off to me and sent me a 1099 C for cancelled debt. Discover wrote off $ XXXX in debit and over $ XXXX in interest. I sent discover letters in XXXX and XX/XX/2019 that this is identity theft and they continue. I should not have the tax burden of protected charges under identity theft.

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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Good morning, I've having an extremely difficult time with capital one bank 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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, I have a few Capital One credit cards with your company. I am writing to ask if i can have my credit reporting updated for my account ending in XXXX. I pulled my credit report and it shows late payments starting in XX/XX/XXXX through XX/XX/XXXX. I was in an accident XX/XX/XXXX which caused me to be hospitalized and miss my monthly payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When i was finally able to return to work XXXX happened and i was impacted by that which then caused me to continue to miss payments ( XX/XX/XXXX and XX/XX/XXXX ). As you can see as soon as i was able to work, i began making my payments on time and only missed one more in XX/XX/XXXX when my contract abruptly ended for Covid. I am asking if you will please remove the late payments from my credit report. I have consistently paid on time since my hospitalization and Covid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I have an open account with CareCredit managed by Synchrony, who I've historically paid off debts with before. But I recently changed jobs so my pay schedule changed and screwed up my entire monthly schedule. I've been trying to sort it out but I still didn't have my deductions yet and needed to make sure I didn't overspend and miss rent. My account with Synchrony for the balance was 9 days overdue and last week they started harassing me. Between XX/XX/22 and today XX/XX/22, they've emailed 4 times, texted 3 times, and called ( with voicemails ) 3 times - all of this was automated. I had missed a {$30.00} payment and it was only due XX/XX/22. Furthermore, that doesn't include of the physical correspondence they've sent by mail. What's worse is that when I called back angry after being woken up on a Sunday, the 3rd day in a row, it was very difficult to get past the automated system to a person. Their number goes straight to a relentless AI system. And while the rep I spoke to was very kind to me, I told her that I had protections under the law from harassment and I could withdraw consent to receive calls. I was told by the rep that the calls would continue unless I paid or specified a date that I could pay, and that Synchrony does this knowingly to distress people until they pay even if they don't realistically have the means. I understand that this debt is mine and I'm trying to problem solve but I will not be harassed and bullied over a {$30.00} payment. We are people and unexpected problems happen to everyone. These companies get away with the most abhorrent practices and spit in the consumer 's face - I mean this is medical debt for XXXX 's sake. And I'm very much not out of the woods right now. Perhaps if they would use business tactics that align with human behavior more efficiently, they wouldn't have to harass and threaten people into paying.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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