vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-08 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: Southern Auto Finance Co
State: FL

Complaint narrative:
this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which transunion show XX/XX/2018, XXXX shows XX/XX/2018 and XXXX   shows XXXX XXXX also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-08 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-12-08 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: FL

Complaint narrative:
this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which transunion show XX/XX/2018, XXXX  shows XX/XX/2018 and XXXX   shows XXXX  2018. also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.

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 2019-12-08 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: FL

Complaint narrative:
this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which transunion show XX/XX/2018, XXXX  shows XX/XX/2018 and Equifax shows XXXX XXXX also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: FL

Complaint narrative:
this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which XXXX  show XX/XX/2018, Experian shows XX/XX/2018 and XXXX  shows XXXX XXXX also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.

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 2019-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. capitalone sold the account to a collection agency but still showing a past due and both times after disputing with capitalone and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: A+ Financial Services, Inc.
State: GA

Complaint narrative:
I went to cash a money order and the A+ Financial institution on XX/XX/XXXX they took the money without telling me I took out a loan in XXXX! I asked them why take my money with telling me first i owed on a loan i nearly forgot the say I got XXXX and the rest was for interest so the took XXXX from me without telling me it was never on my credit either!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: DE

Complaint narrative:
I signed up for XXXX XXXX service in XXXX. In XXXX, I moved out of my apartment and returned the equipment to XXXX. In XXXX, I see that there is a collection that has been reported to my credit file from EOS CCA. I disputed the collection. EOS CCA claims that this debt, {$240.00}, is from XXXX and is legitimate. I have terminated the service and returned the equipment and do not owe XXXX or EOS CCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have on my TransUnion a credit inquiry dated XX/XX/2019 from XXXX which I didnt do. I spoke to many different Dept at XXXX XXXX   and to TransUnion and followed up via web etc no luck. Pls assist. 

No I see another one dated XX/XX/XXXX from XXXX which o didnt do either. 

Im a previous victim of identity fraud. Thanks 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 explanation
Consumer complaint received 2019-12-08 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: FL

Complaint narrative:
disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. XXXX  sold the account to a collection agency but still showing a past due and both times after disputing with XXXX  and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account

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 2019-12-08 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: FL

Complaint narrative:
disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. XXXX  sold the account to a collection agency but still showing a past due and both times after disputing with XXXX  and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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:
disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. XXXX  sold the account to a collection agency but still showing a past due and both times after disputing with XXXX  and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account

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 2019-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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:
after disputing the inaccuracy multiply times the company and the bureau claimed to say the account is verified and reporting accurately. when Cleary the credit report is still reporting late payments on a charge off account which is a violation. a charge off is a closed account and no new information should be reporting especially with the account be sold also. 
XXXXXXXX. 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 2019-12-08 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: IL

Complaint narrative:
In XX/XX/XXXX i filed for chapter XXXX bankruptcy and have included my XXXX XXXX account that was originally opened in XX/XX/XXXX. In XXXX of XXXX, i had sent all 3 credit reports a dispute regarding this account, due to the original delinquency date being incorrect. The original delinquency date was in late XXXX, not XXXX. I filed for bankruptcy in XX/XX/XXXX. This account is due to fall off of my report.Anyways, after the dispute was complete, i noticed that the original delinquency date was changed to XX/XX/XXXX which was the date of my last dispute! They deleted all the previous dates of all payments made in XXXX, and XXXX, and put a new date of XX/XX/XXXX as the new date of delinquency which is totally illegal! They are trying to re-age this debt for another 7 years when this account is due to fall off this year! They can not due this!!! According to the law, they can not change the date of first delinquency, this account was discharged through a chapter XXXX bankruptcy in XXXX which makes what they did a crime! I am enclosing the discharge papers for the bankruptcy in XXXX, and a copy of my account on my credit report.According to FTC, if there are any inaccuracies that can not be verified, it must be deleted from my credit report! This is a copy from my Experian credit report which shows the error.

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 2019-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I set up a CareCredit Card through my dentist I believe in XX/XX/2018. I was advised by my healthcare provider of the amount to pay so I would not go beyond the promotional period and there would be no interest. I have agreed from the beginning to pay the amount needed to make sure I would have the bills payed in full. I have been on automatic payments with CareCredit from the beginning, have never missed a payment, never late, always payed the full amount asked. I noticed interest being charged and when I tried to call customer service they did not explain everything to me and said that I went beyond one promotional period already and I asked how is this possible?! I set everything up through my doctor with automatic payments to make sure this would not happen. No one from the company ever called or advised differently and I have blindly been paying the required amount this whole time thinking I had not interest to pay. My doctors set this up for me to ensure this! I am enrolled in automatic payment and it doesnt even say on my statements where which promotional period my payment is going too?? This is a very deceitful scam. Please help, thank you

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 monetary relief
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/19 I called the customer service number on the back of my card and on my billing statement. I went through the automated system, followed all of the prompts as directed. A foreign speaking representative answered, asked the same questions asked in the automated system, and transferred me to another agent stating she could not handle business accounts ( despite the fact that I had called the number listed on both the card and the statement ). Another agent answered and asked the same questions. I was having great difficulty understanding her and asked to speak with an English speaker. She told me that was not possible. I requested to speak with someone in the United States. I was again told that was not possible. I was unable to get any assistance due to the language barrier. I was calling again to inquire about charges on my account that were invalid and to inquire about service fees. I attempted to use the online portal as well as the app. Neither of these were operational, even after resetting my account and rebooting my computer. The " contact '' option on the app was loading for several minutes, in spite of being connected to my XXXX XXXX  high speed internet. The app simply was not working at all and I was only able to get the same phone numbers I had been calling without success. This is not the first time I have had great difficulty getting information about my account. I still have open questions about an unauthorized charge on my account and fees that were charged by the company. I can and will cancel the card to avoid this in the future however I really need assistance getting in touch with someone who speaks English to remedy this prior to cancelling. Thank you for your help.

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 2019-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: FL

Complaint narrative:
after disputing the inaccuracy multiply times the company and the bureau claimed to say the account is verified and reporting accurately. when Cleary the credit report is still reporting late payments on a charge off account which is a violation. a charge off is a closed account and no new information should be reporting especially with the account be sold also. 
XXXX/XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
To start off the actions that were available were not the correct actions I need. 

This is more about reporting the wrong information on my credit report. 

I spoke with XXXX in XXXX about making payments on my XXXX XXXX at the XXXX account for XXXX. We agreed that my first payment of {$40.00} will process on XX/XX/XXXX and the monthly payments of {$50.00} will be paid on the XXXX of every month. I check my credit report and it says in XXXX and XXXX I paid late. It does not show that I paid in XXXX or XXXX. If I am supposed to pay the XXXX of each month, how am I late in XXXX when the XXXX has not come yet. And when I log into my account I see the wrong dates of payment- they said I paid {$41.00} on XX/XX/XXXX and {$50.00} on XX/XX/XXXX ; when I paid {$41.00} on the XXXX of XXXX and on the XXXX of XXXX I paid XXXX. They are reporting the wrong information to my credit report and it is making a negative impact on my score. 

I need them to correct the right payments dates in my account and correct the failed to pay negative remarks removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation