vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 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: UT

Complaint narrative:
The payment history on XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, some are reporting late on some months 60, 90 days late! Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

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 2019-08-02 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: UT

Complaint narrative:
The payment history on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, some are reporting late on some months 60, 90 days late! Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXXL XXXX XXXX XXXX XXXX ) -, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX  XXXX XXXX  XXXX XXXX ) -, XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),  XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXXL XXXX XXXX XXXX XXXX ) -, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: UT

Complaint narrative:
I have recently been informed that there is a negative information reported by Equifax, XXXX XXXX XXXX in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX XXXX XXXX  ( transferred/sold account ), XXXX - reported charge off, XXXX XXXX - reported closed/late account, XXXX reported as open an account/transferred

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I dont remember dates but they where cards from comenity bank, Im aware of the Victoria secret credit card and stage but the others I was a victim of identity theft.. I would like to consolidate my balance with the two cards Im aware of, and pay the balance off paying a small payment every two weeks until completion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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: UT

Complaint narrative:
I have recently been informed that there is a negative information reported by XXXX, XXXX and Transunion in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX  XXXX XXXX  ( transferred/sold account ), XXXX/XXXX - reported charge off, XXXX XXXX/XXXX - reported closed/late account, XXXX/XXXX reported as open an account/transferred

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 2019-08-02 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: UT

Complaint narrative:
I have recently been informed that there is a negative information reported by XXXX, Experian XXXX XXXX  in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX XXXX XXXX  ( transferred/sold account ), XXXX - reported charge off, XXXX XXXX - reported closed/late account, XXXX reported as open an account/transferred

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Remove CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Remove CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Remove CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

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 2019-08-02 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: UT

Complaint narrative:
The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap 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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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: EQUIFAX, INC.
State: UT

Complaint narrative:
The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: OH

Complaint narrative:
From XXXX to XXXX, my loan was serviced by ACS ( now doing business as Conduent Education Services, I believe ). It was very difficult to make payments on my account at times, and rather than telling me about Public Service Loan Forgiveness programs or Income based repayment, they would simply offer to put me in forbearance ; and my interest would just continue to accumulate. In XXXX, I was finally told that I had to refinance my loans through XXXX in order to qualify for PSLF. Finally, I did refinance through XXXX, but I no longer work in public service. I am currently on the Income Based Repayment program through them ; and worked for 10 years in a hospital as a security officer ; but have found that I can no longer benefit from this program. ACS 's failure to notify me of my option to pursue Public Service Loan Forgiveness is negligent at best, and now I have payments that can not possibly touch the principal. Further, to discover that the 10 years I spent in public service no longer apply to PSLF is unacceptable and extremely unfair. When I left college, my loans came to about {$25000.00}. Now, they are more than {$100000.00}. I can not possibly pay this off in my lifetime. I understand that ACS had a class action lawsuit filed against them by the state of New York for the exact same reason. I can not benefit from this, because I do not live in New York. What remedies do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XX/XX/XXXX tried to submit online credit freeze application. This is a free service since XX/XX/XXXX and the company is bullying me by stating it can't verify my info online and wants me to send numerous documents in the mail to verify my identity. This is a tactic to get me to " forget about it, not worth the hassle '' type of thing. They have the most sophisticated online equipment made and are simply bullying me so I will go away. Shame!

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 2019-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I have consistently tried to manage my loan with SunTrust Bank over the years of this loan with them. I have been struggling to make payments. It is important that I be given consideration to keep my car. It's the only means of transportation I have. It will greatly impact my ability to get around to doctors appointments as a veteran.

I have a XXXX XXXX XXXX XXXX.

Yes, I have missed payments ; however I have always made up for the missed payments. After I called them about my car possibly being repossessed the person name XXXX  didn't offer me any remedies to prevent the repossession.

As a veteran, I have to have access to a vehicle and I do not have family members living in XXXX, who can assist me with transportation.

I spoke with a representative on XX/XX/XXXX. They can be contacted at XXXX.

They aren't willing to give me more time to make up the past payments. I have until this week. Which is extremely stressful and impacting my health. I work on contract and only get paid through a contractor.

Please help with this serious matter. I believe a lower amount monthly would be most helpful. I have had my car since XX/XX/XXXX and willing to pay it off.

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 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
my mom and I bought some funitures at XXXX XXXX. Theres staff told us that we have to sign up with their credit cards partner XXXX. 2 of their staffs asked me to give each of them more than {$65.00} for their sale services and another XXXX in cash for the funitures. I gave them all the cash i brought with me more than XXXX cash. They told me that money would later be subtracted from the credit account I signed up with them. they wont let me use my XXXX XXXX XXXX credit card. There were too many items I wasnt able to calculate the right price. Later I found out that cash wasnt on my receipt and wasnt subtracted from my credit card. I paid XXXX XXXX a total of more than {$6000.00} for their furniture. They delivered an old XXXX bed to me and charge me {$100.00} for redelivery. I contacted them many times. They said theyre unable to locate the funds. Sometimes I called in to ask questions, some people laughed at me, Some hung up on me, some were polite enough to say theres nothing they can do about it. 
I didnt remember which day I bought the items. I paid everything down to {$600.00}. But later I had to pay {$2000.00} within a couple of months. Thats more than {$1400.00} interest. 
I wish I was smarter so they wouldnt cheat on my XXXX mother and XXXX XXXX man like me. im a XXXX and a XXXX. i tried hard to earn that money with all my XXXXl capabilities. I have to do peoples feet and got XXXX by the XXXX and their XXXX. They have better jobs and friends than me. I just have my family. I appreciate any advice anyone can give. please tell me youre sympathetic.

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 2019-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: SC

Complaint narrative:
On XX/XX/2019 I contacted Avante USA Collections about two identical accounts on my credit report after trying to clear up what I was looking at in black and white I was being told that it wasn't so and that I had two accounts in collection with them from the same place by two different people for the same amount. I told them they can't report the same account to my credit twice and that they needed to fix it and they said the can. I emailed XXXX showing her the evidence and still nothing other than telling me that they can do report what looks like the same debt to my credit twice, then go on to tell me I won't be able to get the information from the collector as fast as she can even though the debt has my information on it, then she was telling me where I was and that I was at the place in questions we were going back and forth and I told XXXX I would handle it. So i'm doing just that I have rights and I want this off of my credit, they said when I called that all calls where being recorded and it was an attempt to collect a debt. I never said that the debt was mine. 
the amount is XXXX  *XXXX= XXXX of bad debt on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NE

Complaint narrative:
I opened a checking account with HSBC, I was told by phone the account needed to remain open for 120 to avoid early closure fees. I complied and then after the 120 days I called again to close the account. Conversation went well I was told the account was closed and I would be receiving confirmation in the mail. Never received anything and the account remained open. I did not want to acquire monthly maintenance fees which is why I was closing the account. Contacted the bank again and now they state the closure never processed and I would be charged a {$25.00} early closure fee. I stated that per my previous two conversation with their representatives it was 120 days and the account should already be closed. Bank will not close my account without the fee and now I will be getting a monthly maintenance fee on top of all of this due to the account remaining open without my knowledge.

Company response to consumer: Closed with explanation