vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 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: TX

Complaint narrative:
My loan is being reported 210 days late by XXXX and I can't get a representative to resolve the problem or even respond to my concerns. My home secured by the XXXX loan is currently under contract however I have no place to move since obviously, no landlord or mortgage company is going to deal with someone whose credit indicates they are 210 days late on a mortgage. 

My Trial Modification was never granted on my loan when XXXX took it over from XXXX. As you can see from the attached I made the payments as agreed. Below is a summary of when these money orders were cashed. Whats more, every single one of my payments since the loan was transferred last XXXX has been made on time to XXXX with certified funds and delivered by certified mail. There is no factual basis whatsoever for disputing that I made each payment on time. Copies of the cashed money orders are attached. 

XXXX is now claiming to not have received one of these payments. This is the first time I have heard this. I am very concerned that it is not lawful for XXXX to simply ignore my repeated requests to stop placing inaccurate information on my credit report. Please help me to resolve this. 

Below is a summary of the attached money orders receipts and Trial Mod due dates. 
Trial Mod Payment # 3 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 2 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 1 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018

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 2019-06-08 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:
My loan is being reported 210 days late by XXXX and I can't get a representative to resolve the problem or even respond to my concerns. My home secured by the XXXX loan is currently under contract however I have no place to move since obviously, no landlord or mortgage company is going to deal with someone whose credit indicates they are 210 days late on a mortgage. 

My Trial Modification was never granted on my loan when XXXX took it over from XXXX. As you can see from the attached I made the payments as agreed. Below is a summary of when these money orders were cashed. Whats more, every single one of my payments since the loan was transferred last XXXX has been made on time to XXXX with certified funds and delivered by certified mail. There is no factual basis whatsoever for disputing that I made each payment on time. Copies of the cashed money orders are attached. 

XXXX is now claiming to not have received one of these payments. This is the first time I have heard this. I am very concerned that it is not lawful for XXXX to simply ignore my repeated requests to stop placing inaccurate information on my credit report. Please help me to resolve this. 

Below is a summary of the attached money orders receipts and Trial Mod due dates. 
Trial Mod Payment # 3 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 2 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 1 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018

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 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Date : XX/XX/XXXX Re : Fraud/stolen identity To whom it may concern, I am addressing above since there are several companies to which I must address this issue to : My name is XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
I would like to say that I have never requested nor have given authorization for anyone to request or act on my behalf in requesting any form of credit cards or loans or anything of this nature. 

I had a roommate for many years. His name was XXXX XXXX. Since, I am homebound he took care of all household issues and my affairs. I am elderly and get confused easily, and so he had access to all of my personal information. He never gave me a reason to doubt his sincerity. He would go to the bank for me, did the household shopping, take me to Dr . Appointments and handle the mail and bills. 
I have my own separate bank accounts. He had his. 

However, Mr. XXXX passed away at home on XX/XX/XXXX. It was a great shock to me and has saddened me tremendously It was at this time that I started to get my own mail and making arrangements to get assistance from friends and family. 
To my surprise I started getting bills from different credit card companies in my name. 

I was so confused and did not understand, I reached out to my friend, XXXX XXXX, who has been guiding me. It was she who discovered that there are approximately 5 ( as of XX/XX/XXXX ) that I know of credit cards with outstanding balances. 

Most recent I received new credit cards showing my name with a second card showing his name. 

In the more than 40 years that I intrusted him I would have never imagined him doing this. 

I humbly request all accounts to be closed. Since these were fraudulently opened without my knowledge nor consent. 



XXXX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX spoke to Ms. XXXX and advised of the ID theft. She referred me to Ms. XXXX of the faraud dept who advised me to fax all documentation which was done on that date at XXXX. My fax indicated received. 

As of today XX/XX/XXXX nothing has been received and bills still coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Made a payment of {$110.00} to Syncrony Bank for my Lowes card  account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.

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 2019-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
PHOENIX KEEPS SKIP TRACING MY CELL NUMBER FOR A THIRD PARTY, 16 CALLS FROM ( XXXX ) XXXX, I HAVE SCREEN SHOTS AND RECORDS IN ORDER TO FILE A CLASS ACTION EFFORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: SC

Complaint narrative:
Equifax continues to report fradugelent information on my credit report after I have provided with proof of a police report & identity theft report that these accounts do not belong to me. I have no knowledge of these account or give anyone permission to open these accounts in my name. The following accounts XXXX Servicing, XXXX ( listed two times ), XXXX, XXXX XXXX, XXXX   do not belong to me. They are also reporting names that I told them are incorrect. My name is XXXX XXXX that is how my name should be on my credit repport. I have never lived at XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX XXXX XXXX These inquires that are being report I never gave anyone permission to access my credit or review it for the following companies 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 non-monetary relief
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: IL

Complaint narrative:
MY DAD DIED XX/XX/XXXX XXXX XXXX XXXX AND MOTHER DIED XX/XX/XXXX, XXXX XXXX XXXX. PLEASE UPDATE RECORDS TO REFLECT DECEASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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:
Madeapaymentof{$110.00}toXXXXXXXXformyXXXXcardaccountonXX/XX/2019ontheirautomatedsystem.Theirsystemstorestwobankaccountswiththesamebank(XXXX)thatIusuallyusetomakepayments.ThepaymentwassenttothewrongaccountandthebankreturnedthepaymentontheXX/XX/XXXX.andIwasreportedthatImissedmypaymenttothecreditbureau.Ihadadequatefundsof{$18000.00}duringthisperiodintheaccountthatthepaymentwassupposedtobewithdrawnfrom.

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 2019-06-08 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:
Made a payment of {$110.00} to XXXX XXXX  for my XXXX card account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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:
Made a payment of {$110.00} to XXXX XXXX  for my XXXX card account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.

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 2019-06-08 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: FL

Complaint narrative:
I have did a police report XX/XX/XXXX I have called the credit agency XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have sent certified letter XX/XX/XXXX XX/XX/XXXX The agency have violated my right and will not remove these account of my credit under the fair act reporting. The company the are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The preferred group 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 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I contacted the company to have it removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply you with an agreement between you and creditor and they have failed to do so, so i do not owe the bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: NM

Complaint narrative:
The company refuses to lower payments and will not offer an extension regardless of hardship due to brain injuries and other injuries suffered from a car accident leaving me unable to pay on time or the full amount due. I request to have the payments lowered or a three month extension put through to allow for everything to be caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

Transunion did not remove this statement and I believe that XXXX and XXXX   did not remove the consumer statement 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 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Clarity Services
State: IL

Complaint narrative:
MY DAD DIED XX/XX/XXXX XXXX XXXX XXXX AND MOTHER DIED XX/XX/XXXX, XXXX XXXX XXXX. PLEASE UPDATE RECORDS TO REFLECT DECEASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CORELOGIC INC
State: IL

Complaint narrative:
MY DAD DIED XX/XX/XXXX XXXX XXXX XXXX AND MOTHER DIED XX/XX/XXXX, XXXX XXXX XXXX. PLEASE UPDATE RECORDS TO REFLECT DECEASED.

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 2019-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NJ

Complaint narrative:
on XX/XX/XXXX mailed my dispute to them on XX/XX/XXXX they signed for it as of XX/XX/XXXX received no mail from them and my credit report doesn't reflect a dispute as of XX/XX/XXXX still received nothing from them and nothing is marked on the credit remarks about being in dispute

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 2019-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
InXX/XX/2019, I received 2 notifications from XXXX XXXX that my JCPenney credit card account was closed by the creditor. XXXX  reported it closed XX/XX/19, and XXXX  on XX/XX/2019. However, my account is still open, because I used my card a couple times in XX/XX/2019, one of the purchases was made on XX/XX/2019. I never got any notification from the  creditor that my account was closing, and my account is not delinquent. This is not okay.

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 2019-06-08 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: WA

Complaint narrative:
I have contacted TransUnion 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via XXXX to them. TransUnion is willfully and recklessly reporting false information. The most recent attempt was received by TransUnion in XX/XX/XXXX and they did not respond at all. I have also contacted XXXX  and XXXX  multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX XXXX XXXX TransUnion and XXXX  report late payment in XXXX. XXXX  reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX  XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
*XXXX XXXX XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX has removed this account, XXXX  reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX   did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.

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 2019-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
On my credit report for US Bank for a lease that I had, it is stating that I have 3 late  payments. One in XX/XX/2018, XX/XX/2018, & XX/XX/2018. There is an inconsistency for this seeing as I paid my car payments for these months and it is reporting late and ruining my credit score. The car loan ended up being paid off in full and the creditor ( US Bank ) even sent me a check for an over payment that I made. I am requesting that the late payments to be removed and the account put in good standing seeing as the account is closed, but the late payments are still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

XXXX did not remove this statement and I believe that Equifax and XXXX did not remove the consumer statement as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

XXXX did not remove this statement and I believe that XXXX   and Experian did not remove the consumer statement 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 non-monetary relief
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
MY XXXX DIED ON XXXX AND APPOINTED MY EXECUTOR AND NTIFING  ALL BUREAUS OF THIS MATTER! XXXX XXXX XXXX, DIED XXXX. SEE ATTCHED LEGAL DOCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
MY DAD DIED ON XXXX AND APPOINTED MY EXECUTOR AND NTIFING ALL BUREAUS OF THIS MATTER! XXXX XXXX XXXX, DIED XXXX. SEE ATTCHED LEGAL DOCS.

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