vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 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:
There are a few marks on my credit reporting that I do not recognize.I realized that someone is using my credit without my knowledge. When i realized this, i started to do research on how to resolve identity theft. I was advised to contact the credit bureaus and to ask them to remove the fraud information that is reporting. This is exactly what i did. I contacted XXXX, transunion and XXXX and asked them to please remove the fraud and unauthorized marks from my credit report. However they have not been helping me. I was told that the account and inquiries would be placed under dispute, but they never did. I was also told that the information would be removed from my credit report, but it never did. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account 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 2018-01-22 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:
There are a few marks on my credit reporting that I do not recognize.I realized that someone is using my credit without my knowledge. When i realized this, i started to do research on how to resolve identity theft. I was advised to contact the credit bureaus and to ask them to remove the fraud information that is reporting. This is exactly what i did. I contacted XXXX, XXXX and experian and asked them to please remove the fraud and unauthorized marks from my credit report. However they have not been helping me. I was told that the account and inquiries would be placed under dispute, but they never did. I was also told that the information would be removed from my credit report, but it never did. 

XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account 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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Got accepted for the card but still got an inquiry!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: MS

Complaint narrative:
Based on my credit report there was a credit card account opened using my personal information on XX/XX/XXXX. After reviewing my credit report in XX/XX/XXXX I contacted US Bank. I informed them that the account was not mine. They then created a case and mailed me an affidavit and police report form. I went to the proper measures to get the forms filled out and mailed them back to US Bank. I contacted US Bank again on XX/XX/XXXX and they informed me that they never received the forms however I know that is untrue because I sent it via certified mail. I have disputed the account with the 3 credit bureaus multiple times since XX/XX/XXXXas well as written letters asking for verification. US Bank never responds and when I call them they provide me the same information about sending them a police report, in which I have did previously. US Bank has not been willing to work with me and they appear to be unconcerned about with helping me with the fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: FL

Complaint narrative:
I have written the company on two different occasions asking them to correct this error, XX/XX/XXXX and XX/XX/XXXX. This is company is trying to collect money from me that I do not owe. They have reported four different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company at my local venue and will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an inquiry that is reporting on my Experian credit report from XXXX XXXX XXXX placed on XX/XX/XXXX2017. I do not recall applying for a XXXX XXXX XXXX and I did not authorize XXXX XXXX XXXX to obtain a copy of my credit report. I have asked Experian to place a block on the inquiry because it is fraudulent. They asked me for documents and I have sent them everything that they have requested. The inquiry is still remaining on my credit report and I do not know what to do. It is fraud.

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 2018-01-22 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 sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. Equifax and XXXX are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

Equifax XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) XXXX XXXX XXXX / Acc NumberXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Innovative Recovery, Inc. reported on my credit reports a {$340.00} balance allegedly due for a former apartment I lived in and moved out of two years ago. I have never received written notification of this debt and have disputed the collection accounts with one request to validate the debt. All three credit bureaus have failed to remove the debt, citing that they " verified the debt belongs to me ''. I am asking for Innovative to either provide me the written verification or remove the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX XXXX  stating that there was a collection on my credit report from XXXX XXXX with the original creditor being XXXX and an amount of {$320.00}. I immediately contacted XXXX XXXX to let them know that I did not open this account and that it was a result of identity theft. I was given a phone number and account number and was told that this number was ported out to XXXX XXXX. I was told that if I wanted this account cleared up that I will have to file a police report and identity theft affidavit and send it to XXXX. The police report was filed on XX/XX/XXXX with the XXXX police dept and XXXX Mississippi however I have not been able to get a copy of the report because I no longer live there the reason that I filed it with them is because I was told by the representatives at XXXX that one of the accounts was opened up in XXXX Mississippi and that they had no knowledge of where the XXXX account was opened at power XXXX XXXX. I have not been able to get in touch with anybody at the XXXX fraud department. Whenever I call their number all I get is an automated machine and there 's no option to connect with the live representative. however it had a billing address in XXXX, IA. At this point I 'm not sure exactly where the XXXX account was opened that I just know that I have no knowledge of it and I never authorized anyone to open this account and my name and the police have been notified. When I contact the XXXX to let them know that I did not authorize the number poor they stated to me that there was an account open there in my name also but the representatives they 're closed it and stated I have no liability for that account because it was a fraudulent account. However I have not been able to come with a resolution with XXXX XXXX or XXXX I have sent them letters asking for validation of debt or to see a to see a contract that was signed with my signature on it and they could not provide me with that they also stated to me that they could not do anything about the fraudulent account that I would have to go through XXXX to get it cleared up even though XXXX is not the one that 's reporting on my credit report it is XXXX XXXX. I 'm requesting that this fraudulent account be removed from my credit report 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 2018-01-22 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 sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. XXXX and Experian are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

XXXX XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) Experian XXXX XXXX / XXXX Number: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 2018-01-22 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: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
On XX/XX/XXXX Mr Cooper, formerly Nationstar reported my name to XXXX XXXX as delinquent in my mortgage payments to the sum of {$2500.00}. This is unfounded and clearly a fraudulent attempt at having me pay to the company more than is due to them, {$900.00} on a monthly basis for the life of the loan. 

Somewhere in mid XXXX Nationstar bought my mortgage from XXXX XXXX XXXX. The agreement was to keep the terms fixed. I have not initiated any transaction and has been paying my property insurance and taxes without issues since releasing them from escrow with XXXX XXXX XXXX in XXXX. 

Nationstar immediately started writing to me regarding refinancing the loan, something I had no plans to do as the payment amount works perfectly for my budget. At one point I attempted to make contact with Nationstar regarding my husband 's death and change of information on the mortgage but was told by a Nationstar agent, " When you are ready to refinance we will have a conversation ''. The very reason it became difficult to contact them, as they were initially hostile. Nationstar, however, continued to make contact via mail regarding the urgency of refinancing. I finally returned one letter informing them of legal action if it continued. It stopped. 

The payment of {$900.00} has been the payment since the release from the original escrow in XX/XX/XXXXas stated prior. In XX/XX/XXXX, now Mr Cooper, Nationstar submitted to XXXX XXXX XXXX an increased amount for {$380.00} for a total of {$1200.00}, an unauthorized sum, for processing from my checking acct ( see attached ). The amount was paid to them as XXXX XXXX XXXX claimed it had no way of verifying if the amount was legitimate as they are only the processor of the fund, and I am opining here that this maybe the very reason Nationstar sought to pull this off. ( All matters regarding this issue were clarified by XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX who made contact for that purpose, having been contacted by CFPB regarding a related complaint filed ). I have further asked XXXX to investigate the payment made on XX/XX/XXXX. 

In response to the XXXX contact, XXXX has refunded the money, {$1200.00} paid to Mr Cooper, as a part of how this process works for the bank, per the XXXX agent. This means that Mr Cooper would now be missing the payment for XXXX. However, on XX/XX/XXXX, I made an extra payment of {$900.00} to Mr Cooper. This extra payment was supposed to fit in for XXXX which I initially thought was dropped by XXXX but has since learned that was not the case ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have an urgent issue on Ally Bank bill pay that must be escalated for help. I am an Ally Bank customer and used your bill pay service to pay two bills ( one to pay for property tax, while the other to pay for XXXX fee ). Both bill pays were requested from my Ally Bank online account on XX/XX/XXXX. Based on the bill pay record, the checks should have been mailed to both payees in two separate mails on XX/XX/XXXX and should have been delivered to payees on XX/XX/XXXX. 

However, so far the checks sent from your Bill Pay department have NOT been deposited by payees yet. I am wondering if your Bill Pay department did mail out the checks to the correct addresses or maybe they forgot to mail out the checks yet. 

Because both bills are due by XX/XX/XXXX, the payment checks must be received by both payees no later than XX/XX/XXXX. Therefore, I request your Ally Bank to confirm with their Bill Pay department to verify if both checks have already been mailed to the correct addresses of both payees on XX/XX/XXXX. Meanwhile, I request Ally Bank to provide me the check numbers of both payment checks. So I can ensure that the checks have indeed been mailed out.

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 2018-01-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that Experian and XXXX are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from Experian and XXXX and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.

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 2018-01-22 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: CA

Complaint narrative:
XXXX XXXX XXXX Transunion XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that XXXX and Transunion are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from XXXX and Transunion and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.

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 2018-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
As of today XXXX XXXX,2018 I logged into my XXXX XXXX account to find an open collection notice from an unknown lender and collection company known as XXXX XXXX XXXX XXXX. I had not taken out any payday loans. I believe I am I victim of fraudulent or scam activity two different reports between my XXXX and XXXX report state comments as reason to collect a debt and medical which I knew is a fallacy as I am a XXXX XXXX  and medical bills are covered indefinitely i did multiple research on the phone number and company and seen this has happend to multiple people. I am a single mom and XXXX looking at getting into a stable living environment this open collection account is going to effect this negatively. Id also like to note I never received a notice to dispute the debt prior to being sent to collections or a notice from the collection agency. Id like this to be resolved I will attach multiple forms of proof verifying my claims and other reports of this company being a scam. I fear for the safety of my identity also this is affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX I made 3 separate payments to Synchrony Financial. A payment of {$300.00} another of {$800.00} and another of {$300.00}. For each payment I received an initial confirmation that my payment was being processed. On XX/XX/XXXX I received 3 separate notifications that my payment posted to my account on XX/XX/XXXX. My statement closes on the XXXX of each month at XXXX EST. On XX/XX/XXXX I obtained a copy of my credit report and it showed that XXXX XXXX Synchrony Account was updated on XX/XX/XXXX. However, the update did not reflect my 3 most recent payments. On XX/XX/XXXX, I contacted Synchrony Financial they confirmed that they did receive my payments and that it did post on XXXX. When I asked why the balance did not reflect my payments and why the statement did not include payments that were confirmed posted on XX/XX/XXXX, I was told the system had n't updated. My credit score has dropped tremendously based on the usage that is reflected. There are life changing things that I need to do and that drop in my score will prevent me from obtaining the necessary financing to do so. Based on the confirmation, when I made the payments online on XX/XX/XXXX I expected the updates to the credit bureau to be accurate. It is very misleading to receive a confirmation that your payment has posted and is in the current billing cycle but, what is updated to the bureaus may not reflect that. I have many other creditors and it is very clear what the cutoff times are for payments to post to my account. In the event their systems are unable to generate statements ( real time ) the statements are not generated right away. I believe Synchrony owes it to their customers to ensure they are reporting the most accurate information. Cut off times for payment should be very clear and included in verbiage of the e-mail notification for posted  payments. Like other companies Synchrony Financial should delay generating their customer statements to ensure their system has properly updated before sending erroneous and inaccurate information to the bureaus. I 'm hoping you can insist that Synchrony Financial puts a process in place to provide proper updates and send the corrected updates to the bureaus 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 2018-01-22 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: CA

Complaint narrative:
XXXX Inquiry - XXXX XXXX XXXX XX/XX/XXXX Transunion Inquiry - XXXX XX/XX/XXXX The two inquiries that I have stated are reporting on my XXXX and Transunion credit report. These inquiries have been placed onto my credit report without my knowledge or consent. I am a victim of identity theft. 

I have asked the credit bureaus to remove the fraudulent inquiries from my credit report. They informed me that the items will be removed, but they are still reporting on my credit. There has been no change.

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