vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: CA

Complaint narrative:
I went to XXXX XXXX on XX/XX/XXXX to get a personal loan and they denied me, didn't understand why and even was upset because I have good credit. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. 

I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX {$19000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-10 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: CA

Complaint narrative:
I went to XXXX XXXX on XX/XX/XXXX to get a personal loan and they denied me, didn't understand why and even was upset because I have good credit. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. 

I did not receive any money, goods, services, or other benefits as a result of the events described in this report. 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 2020-11-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After completing payments back in XX/XX/XXXX with my XXXX XXXX XXXX  a company called the XXXX XXXX XXXX they refused to report my closed account. I called them many times to speak with a manager and still haven't heard back. Then I see a new report on my credit company from the auto warehouse which isn't the finance company I was paying. They also deleted all my on-time payments. I paid easy acceptance in full and then they add late payments under a different name. My payments were never late seeing that I had 2 payments per month. I've never had an auto wear house on my credit until XX/XX/XXXX. All payments were through the finance company 's easy acceptance. I talked to a lady named XXXX and after she stated that the auto wear house is the finance company. Then she tells me I was late in XXXX. But I closed my account in full in XXXX. The payment arrangements always kept me on time. They are doing some fraudulent reporting and trying to cover their tracts with 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 2020-11-10 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: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-11-10 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Applied for the Chase student card on XX/XX/2020 and the Amazon Prime Chase card on XX/XX/2020. These two inquiries are correctly reflected on my credit report. However, on XX/XX/2020, a third Chase hard inquiry showed up on my credit report. Called in to XXXX on XX/XX/2020 at XXXX XXXX, was informed that I should contact Chase to have this corrected. Called Chase immediately after, was informed that the third hard inquiry was for verification purposes for mismatched social security. However, during the verification process my social security number was not submitted, I only had to submit my address and date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: CA

Complaint narrative:
I am trying to rent an apartment and today XX/XX/20 I got my credit ran to see if I qualified to rent an apartment and I was told that I was not eligible at this time due to having several accounts in negative standing on my credit history. I looked through my credit report and I saw accounts from several different companies that do not belong to me. I did not open any account with the companies I listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of these debts. I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint the company servicing the my mortgage account since XX/XX/2019 has impose fees such as late fees. Has repeatedly claimed I have not made a payment or was late on my payment even though I have proof of money orders mailed and cashed. I have asked for Shellpoint to send me a itemized letter of payments received, money order reference and the balance at the time and they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: CA

Complaint narrative:
I am trying to rent an apartment and today XX/XX/20 I got my credit ran to see if I qualified to rent an apartment and I was told that I was not eligible at this time due to having several accounts in negative standing on my credit history. I looked through my credit report and I saw accounts from several different companies that do not belong to me. I did not open any account with the companies I listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of these debts. I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts.

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 2020-11-10 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: CA

Complaint narrative:
I am trying to rent an apartment and today XX/XX/20 I got my credit ran to see if I qualified to rent an apartment and I was told that I was not eligible at this time due to having several accounts in negative standing on my credit history. I looked through my credit report and I saw accounts from several different companies that do not belong to me. I did not open any account with the companies I listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of these debts. I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts.

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 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a letter from Midland Credit Management on XX/XX/2020 asking me for payment for a old debt which XXXX XXXX  XXXX XXXX XXXX XXXX. I do not owe XXXX XXXX any debt. When I called the company to advise them, the person who answered at XXXX Stated it was an old debt and that even though I could not be sued he could report it to my credit. I asked if this is fraudulent. How can he demand money via letter and then threaten me for a debt I dont owe?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One reflected my posted payment amount of {$24.00} on XXXX XX/XX/2020. My credit reports XX/XX/XXXX and XX/XX/XXXX reflect I am still at 19 % Utilization with an overall credit utilization of 3 % with a {$74.00} balance with Capital One, reported on XXXX XX/XX/2020. 

My balance has been {$0.00} as of XXXX XX/XX/2020 and should reflect {$0.00} on all credit reporting platforms. When I contacted Capital One on XXXX XX/XX/2020 at XXXX, I was told that they did not have a Credit Reporting Department XXXX This is in fact false information, every bank has a credit reporting department that sends a clients scores to the Credit Bureaus. 

My issue was not resolved and it is inaccurately reflecting my utilization and effecting my overall credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint the company servicing the my mortgage account since XXXX of 2019 has impose fees such as escrow. I have asked for Shellpoint to send me a itemized letter of calculated escrow, monthly payments used for escrow and payments sent to escrow and the balance at the time and they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: CA

Complaint narrative:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXX XXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith

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 2020-11-10 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: CA

Complaint narrative:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXXXXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith

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 2020-11-10 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: CA

Complaint narrative:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXX XXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint since XX/XX/2019 has failed to ensure a single point of contact to address my issues with payments, escrow, late fees, etc. 

Shellpoint since XX/XX/2019 has mishandled my mortgage loan since transfer from the other servicing mortgage XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company response was not a direct response. I save all emails and statements since I started with credit card. I have researched their response and find no document that states what company claims. I want the protected balance interest charged for more than a year refunded before I close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Credit Central Holdings, LLC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2019, National Credit Adjusters ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation