vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance reporting wrong address and accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: ME

Complaint narrative:
I.C. System Inc. reported the same debt to credit bureaus in the amount of {$380.00} on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 I was never notified of the debt or given the opportunity to dispute the debt prior to it being reported to credit bureaus.

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 2020-08-19 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, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date Opened0XX/XX/XXXX Dispute XX/XX/XXXX XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$8000.00} Date Opened0XX/XX/XXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance reporting wrong address and 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 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: CO

Complaint narrative:
The XXXX XXXX XXXX XXXX is attempting to collect a debt from XXXX XXXX in the amount of {$5100.00} that is not owed for medication my wife XXXX has taken for the last ten years. Her prescription has been supported by XXXX XXXX since the beginning and still is supported currently to date. The most we have ever paid for the prescription is {$10.00}. We switched health insurance in approximately XX/XX/XXXX and her prescription fulfilment was then switched to XXXX XXXX. There was a mistake in the paperwork handoff and XXXX XXXX mistakenly alleged we owed {$5100.00} for a prescription we did not receive. I spent hours on the phone with XXXX XXXX, XXXX and XXXXXXXX XXXX as did my wife trying to correct this mistake made by XXXX XXXX. In XX/XX/XXXX we seemed to finally have the mistake resolved and did not hear anything from XXXX XXXX again. Suddenly, XX/XX/XXXX we received a letter from the NRA Group , LLC demanding payment for {$5100.00} for the mistake by XXXX XXXX. I immediately wrote NRA Group explaining I did not owe that money and requested competent evidence that I had a legal obligation to pay this debt and also requested they cease communications, written and via telephone until they could verify I owed this debt. NRA Group responded with a computer screenshot showing {$5100.00} but no evidence I owed the debt. NRA group has now sent six letters every ten days demanding payment and is now threatening to mount a telephone harassment campaign against me. I have responded to every letter sent by NRA Group requesting evidence this debt is owed and requesting they cease communication until they provide evidence. They refuse to comply and instead are harassing me and threatening further harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: MD

Complaint narrative:
Due to COVID-19 I obtained copies of my credit report and noticed several inaccuracies on it.

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 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I have read about the Mortgage Forbearance Program being offered by the Federal Government under the cares Act I read the articles & I contacted my Mortgage Servicers & I requested participate in the Federal Forbearance program & I was told by the Servicer that there is no such program being offered, But they have an inhouse program, & I would have to make the entire payment missed once the 90 days expired, I refused their offer, I went online & I read the Cares Act & the specifics regarding the Federal Forbearance program, I called  again & spoke with a supervisor & was told the same thing which is contrary to the Forbearance program approved by the Federal Government, They are giving incorrect information to the public,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: FL

Complaint narrative:
MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and  Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-19 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:
Due to COVID-19 I obtained copies of my credit report and noticed several inaccuracies on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
Due to XXXX I obtained copies of my credit report and noticed several inaccuracies on it.

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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Banking complaint XX/XX/2020 we got our monthly statement and I called B of A to see if we could get the rate of 24.24 % reduced and they said no. We had a real old cash advanced balance but when we made extra payments, it never got posted to this balance even if we asked it to. ( wrong ) other balances were charged at 10.99 %. So I mailed a check for the full balance of {$6600.00} on our statement. XX/XX/2020 we receive another statement and I expect the account to show closed. They didnt close it Nd they charge us again for so called residual interest. I called them again to see how do we get our account closed and why did you charge us interest on a zero balance account. The supervisor, XXXX was not helpful at all so I told him thank you and that I was reporting them. 
The bank closed and moved out of our area so we stopped banking with them, then I tried to get online banking so I can see the card activity and they denied us us of online banking. Now they are charging us interest on a XXXX balance credit card that we just want closed. Its Not right. They are taking advantage of consumers. Whats fair about them forcing us to leave their bank, charging on zero balances and having bad attitudes on the phone towards the customer. Shame on this big corporate bank.

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 2020-08-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. My documents were submitted on XX/XX/2020 and received a week later and I have those records ... .no alert was even put on my credit file and all 3 bureaus continue to report the fraudulent accounts and is damaging my financial future!

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 2020-08-19 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: LoanCare, LLC
State: TX

Complaint narrative:
I had to enter into a Covid-19 related forebearance plan with my Mortgage Servicer, XXXX. Everything was approved. Due to financial hardships, I had to sale my house. I went into my Forebearance around XX/XX/2020. I immediately put my house on the market and it was sold, it closed on or around XX/XX/XXXX. The loan was successfully paid off and I was paid my share of the profit from the sale. 
XXXX has reported my credit has over 120 days late and missing payments for XXXX, XXXX, XXXX and XXXX. 
My credit score has plummeted from around XXXX to below XXXX. I have reached out via XXXX, XXXX  and XXXX  with disputes but XXXX didn't change it. 
I called Loancare, multiple times. Everytime I call them, I am told they did not report anything negative, it must be the credit bureau. I would think that if it was just one bureau. But currently XXXX  and XXXX both report the exact same negative information. 
I have called and emailed Loancare numerous time and no one has emailed me back. On the phone calls, after waiting on hold for over an hour each time, all they tell me is they do not see anything negative on " their end '' and there is nothing they can do. I have worked very hard for my good credit. I have XXXX late payments and a really good score, until this issue.

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 2020-08-19 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$940.00} XXXX XXXX XXXX  XXXX {$300.00} XXXX  XXXX {$570.00} XXXX XXXX  XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. 

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 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: NC

Complaint narrative:
my father died in XXXX of last year. had debt with XXXX credit card. i did a estate for father and after funeral paid and such only was {$88.00} and some change left so i sent to only creditor which wanted their debt paid, which was dcm services.check was returned saying wassnt full amount. now they sent to another agency and now they are harrassing me. my name not on debt at all. i advised dcm to stop harrassing me, but still continues and now another. last that was mailed was in my name, now i am afraid they are trying to aapply this to my credit for non pay. need to get stopped and my credit file checked they havent applied this as my debt. i spoke with a cfpb spokesperson and she advised me to file complaint to get stopped. she was very helpfull

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been unable to access 'my.equifax.com ' since XXXX. Every attempt to log in instructs me to contact customer service. 

I have repeatedly contacted customer service. Each time, they instruct me to mail in a copy of my driver 's license, my social security card, my address, date of birth, and a description of the problem. 

I have submitted all of this at least three times : on XX/XX/XXXX ; on XX/XX/XXXX, and on XX/XX/XXXX. Their customer service representatives have given me various addresses and fax numbers throughout these interactions, and I have sent the documents to all of them, including by registered mail. 

Each time, Equifax reports either that they never received the information, or that they did and that the problem has been resolved. However, in each case, I continue to be unable to access the account. 

I have had great difficulty even determining whether I currently have a credit freeze and when it was placed, let alone creating or lifting one. In XX/XX/XXXX, after attempting to fix this problem, I instead received a letter informing me that they had lifted my credit freeze. 

I believe I called and created another one, but since then I have been unable even to confirm this because, when I ask, they instruct me to mail them my documentation again. 

On certain occasions, they have told me that I was being transferred, only to be hung up on. In one case, I waited over an hour for a transfer to the " Office of Consumer Affairs, '' which is apparently an escalation team. After an hour, they hung up on me. When I called up again, I was told that I could not speak to the Office of Consumer Affairs until I sent in my documentation again. At that point, I gave up until a friend advised me that I could complain to the Consumer Finance Protection Bureau. 

These problems have caused me to give up on credit-related transactions, including the purchase of a car, even though my credit score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my 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 2020-08-19 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my 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 2020-08-19 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$570.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX {$570.00} XXXX XXXX  XXXX {$940.00}

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