vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I purchased a 2017 XXXX from XXXX XXXX in XXXX, I had already been pre approved by an institution I've had a car loan with previously, the process went way into the late hours of XX/XX/XXXX into the early hours of the XXXX. There were 3 or more contracts drawn due to mistakes. There were a few things represented to me about the vehicle that just are not true, and I contacted the sales guy a day or two after about the transmission, but when I got a statement 3 days before due to a ALLY financial, the payment was 200 dollars higher, and on top of that they only allowed XXXX for my trade in which books for 5-6 thousand XXXX XXXX XXXX, I contacted them, made the 1st payment and demanded this be corrected, and that this is not the contract that I had agreed to. ( my name was not signed the way I sign it on this contract, the amounts were wrong, and my wishes to not have any hard inquiries, and use the creditor of my choice were ignored, along with the wrong address on the contract which is why one of them needed re written after I pointed it out to the finance guy ) they have harassed me and also harassed a family member by phone, telling them about my debt. I was advised that I signed the contract and I have no other choice but to pay this ridiculous amount, so I filed a dispute with XXXX, and sent them ( ALLY ) a validation demand via certified mail. They continued harassing, ignored my demand, and even repossessed the vehicle, this violates my consumer rights which I stated on their recorded phone lines at which reserving my rights, particularly ucc 1-308, and Ill pay the amount I agreed to, but I will not accept this misrepresented contract, I also contacted the dealership, and was hung up on after asking for a manager. My name is copyrighted so they have also defamed my name through false reporting to the credit bureaus. Please help me get this straight.

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 2018-10-08 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: TN

Complaint narrative:
Dear Credit Bureau : Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Creditor : XXXX XXXX Account:XXXX Reason : Not My Account Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTB, XXXX, CFPB

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 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: RI

Complaint narrative:
Last year I was solicited by a XXXX XXXX Representative at a XXXX location for a quote for internet, phone, and TV services. I explained I did not want services as I had just moved in the home and would quote competitors. I provided my name and phone number only. This " gentleman '' went on to use a FAKE / FRAUDULENT SS # as well as setup an installation for that following week. I came home to an installed service that I never once asked for. 

Upon calling XXXX XXXX support, they had a hard time verifying my information beyond my name because of the fake information input, including SS, email, and pin. This is reflected in the notes of XXXX. ( I just spoke with them. ) XXXX XXXX agreed to remove all liability on my account {$100.00} once their equipment was returned. I returned their equipment as confirmed by the representative ( XXXX ) i just spoke with. 

I am unsure why Convergent has this 'debt ' since not only do I not owe it, but the contract was null and void the day the service began. I was paying month to month, and fell behind only when the services they promo 'd me for my 'inconvenience ' were not removed ( XXXX/TV ) and I was billed for them. According to the representative there is extensive notes from the beginning explaining all of this. My account with them was settled completely as of the date of Convergent purchasing my debt for less than {$10.00}. ( XX/XX/2018 ) - More than a year and a half after closing that account in good standing.

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 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
I am currently a customer with XXXX, upon registering with them XXXX years ago I was made privy to a previously owed amount of {$100.00} which was from my final payment from my previous policy that had been returned due to my own error. Upon signing this policy it made me pay the PREVIOUSLY DUE AMOUNT of {$100.00}. I have talked to CCS ( Credit Collection Services ) for another completely frivolous debt that was insisted upon and that I was forced to pay due to their repeated threats to take legal action. This time, I had a positive experience with their representatives, but can not seem to get this taken care of. I have sent them two separate copies of my policy documents showing the payment of {$100.00} plus my term payment in full, yet they still will not drop it from my credit report. It has come and gone twice so far, and this time I want it gone for good. I am STILL a XXXX  customer, and am actually signing a new term with them this month after making all payments, on-time, consecutively, without issue. This debt was paid. Bottom line.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: MD

Complaint narrative:
No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: AZ

Complaint narrative:
My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX  XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.

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 2018-10-08 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: MD

Complaint narrative:
No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  , 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 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: OH

Complaint narrative:
I was contacted by a phone number at XXXX on Thursday XX/XX/2018. I returned the phone call to see what it is in regards to, the represenative asked if I was a particular party in which I told them I was not. I told the individual that I did not know who this person was and to stop contacting me. The mentioned that " this is an attempt to collect a debt and we will use any information to do so '' or something along the lines of that. Presumably this is a debt colector calling me about someone else 's debt in which I have no correlation to. After I mentioned to stop calling, more frequent calls came in, violating my rights as an American.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: MD

Complaint narrative:
No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : 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 2018-10-08 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: AZ

Complaint narrative:
Please remove the following accounts, they don't belong to me..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..Please delete the accounts asap XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: AZ

Complaint narrative:
Please remove the following late payments reported on the accounts..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..Please delete the accounts asap XXXX XXXX XXXX, 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 2018-10-08 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: AZ

Complaint narrative:
Please remove the following late payments reported on the accounts..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first

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 2018-10-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is the account XXXX XXXX XXXX XXXX which is reported 9 times on my credit report which is absolutely ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: MD

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is the account XXXX XXXX XXXX XXXX which is reported 9 times on my credit report which is absolutely ridiculous

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 2018-10-08 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: MD

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: MD

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously

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 2018-10-08 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously

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 2018-10-08 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: TX

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. Worst, they even reported it as duplicate account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: TX

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. Worst, they even reported it as duplicate account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get a credit card.

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 2018-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the student loan XXXX XXXX has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Incorrect Personal Information Incorrect. 

Correct Information Below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Please delete all other information that is not the above information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the student loan XXXX XXXX has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2018-10-08 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the student loan XXXX XXXX has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2018-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Incorrect Personal Information Incorrect. 

Correct Information Below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Please delete all other information that is not the above 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 2018-10-08 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: LA

Complaint narrative:
Incorrect Personal Information Incorrect. 

Correct Information Below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Please delete all other information that is not the above 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 non-monetary relief