vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 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: MT

Complaint narrative:
XX/XX/20 - notified by XXXX XXXX that a XXXX  card had been opened in my name. Verified that it was fraudulent XX/XX/20 - notified all three credit companies via phone and mail, filed FTC complaint, froze credit accounts XX/XX/20 - got credit report from Equifax. Noted fraudulent address, phone number, and XXXX  card. Called Equifax. Submitted dispute via phone and mail. 

XX/XX/20 - XXXX  card was removed from my account. My XXXX XXXX was also removed which I did not ask for. 

XX/XX/20 - Equifax sent a hard copy of my credit report to the fraudulent address. 

XX/XX/20 - Logged in to Equifax website to check status of dispute, discovered that Equifax was sending information and updates to the fraudulent address. Spent 3 hours calling Equifax, only to be transferred and/or hung up on. Finally talked to a representative who said that I had to resubmit documents. Offered to put a statement in my file that noted the fraudulent address and asking not to send any information to that address. 

XX/XX/20 - Resent dispute information to Equifax via mail noting fraudulent address and phone number. 

XX/XX/20 -Equifax sent a dispute notification to the fraudulent address. 

XX/XX/20 - Equifax has changed their website. I can no longer tell who they are sending my credit information to and it says that I have no active credit cards, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: MS

Complaint narrative:
I have been waiting on debit card for 33days now. Since XX/XX/XXXX. The amount on it will be at {$6300.00} on XX/XX/XXXX. The longer I wait the more I have to spend in interest from having to borrow money. Ive called and cant get a person on the phone. Its all automated and their website gives no details until you have a card number. Ive went as far as to email conduent since they are responsible for XXXX ( XXXX XXXX XXXX ), which they havent used since XXXX when xerox took over. They became conduent in XXXX when xerox divided the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-05-30 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: OR

Complaint narrative:
I just got an alert that a new vehicle by XXXX has shown up on my Equifax report. This vehicle is owned by XXXX XXXX-XXXX  XXXX and not me personally. The vehicle is not in my name and not registered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: PA

Complaint narrative:
XXXX various major data breaches across several industries were revealed including a XXXX breach of XXXX, I changed all of my passwords and attempted to secure my data XX/XX/XXXX An identity thief utilized my personal information to open an account without my consent or knowledge XX/XX/XXXX I received notification of an account that had been opened and had payment due ( {$3700.00} and {$500.00} ), I immediately called and notified them that this was identity theft and demanded the account be closed and voided. I requested confirmation of both in writing. 
XX/XX/XXXX Received another set of bills, called again and was told that previous call had been recorded, the account was closed and the bill was sent in error. Again requested documentation in writing and was told this would be mailed out. 
XX/XX/XXXX - submitted an identity theft report XX/XX/XXXX novel corona virus stay at home orders started in my state ( PA ) and I did not immediately notice that I had received nothing in writing from XXXX XX/XX/XXXX Received notice that my credit score had changed, immediately noticed a collections account that did not belong to me. Filed disputes with all major credit agencies, am again reaching out to XXXX to correct their issue and remove this unlawful account XX/XX/XXXX - Sent identity theft dispute letters to both XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX - Received notice from XXXX  and Transunion that they would not be treating this as identity theft and would remain 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 2020-05-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
this is reporting incorrectly my account. should be remove. XXXX XXXX XXXX does not belong to me XXXX/XXXX XXXX XXXX   Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX, XXXX Amount {$0.00} {$28000.00} XXXX XXXX XXXX Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type RevolvingBalance on XX/XX/XXXX Credit Limit {$0.00} {$20000.00} XXXX XXXX 'S XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$65000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: U.S. BANCORP
State: UT

Complaint narrative:
US bank has failed to provide any assistance to waiving interest due to job loss due to covid-19 or waiver of payments. They expected me to pay a minimum payment of {$780.00} in XXXX and I filed a complaint with the XXXX  as other credit lenders has resources for those who have lost their jobs due to covid-19. US Bank has also failed to honor the Cares act by reporting inaccurate information on my credit reports. Inaccurate balances and inaccurate payments owed that do not reflect covid-19 assistance. Additionally I would like the fees for the checking account removed as a courtesy as I havent been working and would like the checking account closed.

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 2020-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
my father opened a credit card with Capital one bank back in 2018 with my name and he missed two payments I've spoke to capital one bank and explained what happened and I requested to be removed of the system. the card still show on my credit report and it has negative remarks on my credit score, customer service told me that this card will be off my credit report with no negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report a negative XXXX account that is reporting inaccurate information. Experian has refused to due a proper investigation on this account by not allowing me to dispute the inaccurate 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 2020-05-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing due to an act of non compliance with credit reporting agency, Experian, I strongly believe that they are in violation of the FCRA due to deletion of XXXX XXXX  account and reinsertion without providing written notification as required. 
On XX/XX/2020 Experian deleted XXXX XXXX  account from my personal credit file when disputed for inaccuracies. This deletion took place 45 days after they received my initial dispute letter via certified mail. Experian re-inserted and updated this XXXX XXXX  account on XX/XX/2020. Experian did not and still has not provided written notice for this reinsertion as it is required by the FCRA. 
On XX/XX/2020 Experian sent a series of electronic notices mentioning this same deleted account had a dispute opened and updated on that same day. I phoned Experian to explain that I did not resubmit new disputes for what was an already deleted account, Experian claimed these notices of the reinsertion was actually Experians own internal disputes. I have since mailed Experian an affidavit of facts pertaining to the reinsertion in attempts to avoid court proceedings for this illegal reinsertion.

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 2020-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I made a report with the police I made a report on identity theft. Gov I reached out to the email that was giving by mr.XXXX & still no response its almost been a month mr XXXX was very rude when I asked for info tried to tell me he spoke to me about living in a unit after I told him I did not it was fraud he kept going instead of getting me a manager he says youll be contacted I sent the e-mail to the manager on XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: NJ

Complaint narrative:
Upon reviewing my account for inaccuracies I came across numerous fraudulent accounts that I have listed here. The accounts MUST BE removed because they do not belong to me. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. The fraudulent claims are as follows : Credence Resource Manage XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XX/XX/2020 {$1800.00} ; XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX {$430.00} ; XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$280.00} ; XXXX XXXX XXXX XXXX XXXX {$72.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$840.00} ; XXXX XXXX XXXX {$1000.00} ; XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I notified XXXX  that Amerihome Mortgage was erroneously reporting that our home mortgage was included in our chapter XXXX BK. The BK XXXX was confirmed by the trustee and the judge and was signed off by the attorneys representing XXXX Mortgage that we were not in arrears at any time and that we will continue to make our normal payments directly and not thru our trustee. XXXX Mortgage has at times reported that we were late numerous times and that is a flat lie. We have never been late on our mortgage and we can prove it with documentation that is available to their counsel from their own website and we can further prove it with copies of the cashed checks. To add insult to injury, they continue to report that our entire mortgage was claimed in our BKXXXX filing and that we have been late multiple times. Again we have reaffirmed the loan and signed off and the mortgage company, Amerihome Mortgage also signed off agreeing to everything I just typed. We feel the attorneys representing Amerihome Mortgage is just rolling as many billable hours as possible. We are not the enemy and we have been treated like we are trying to pull a fast one on the mortgage company. When we contact the customer service department at Ameirhome they couldn't be nicer but have said on numerous occasions that their hands are tied by the legal department. I notified XXXX  of the error in reporting our mortgage status and within 1 hour I was notified by XXXX  that they deleted the trade line from our credit bureau. Now it appears that if you ran our XXXX  Credit Report, we would have no mortgage loan or payment history. It was deleted like it never existed. Where do I go from here? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
I canceled XXXX phone service 2-3 threes ago after moving due to a different job and then had absolutely no cellular or data coverage. Since I have a XXXX XXXX I need to have a working phone. XXXX told me via telephone that I could close the account, pay {$100.00} and return the phone and that would be all I would owe. Now three years later a credit collection for {$610.00} showed up on my credit. I have never received a call or letter in the last three years asking or telling me about money owed. 
I contested it unsuccessfully thru XXXX. 
Three years ago I did the right thing contacting XXXX multiple times to figure out how to get reliable service. It was XXXX determination that they could not make my phone work. It was their decision to have me pay {$100.00} and return the phone. Both of which I did. 

It lists Recievables Performance XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX, XXXX. Shows a partial account number of 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 2020-05-30 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: Freedom Mortgage Company
State: FL

Complaint narrative:
Our mortgage company sent to the credit bureau a wrong amount that was short from our mortgage. 
The mortgage company stated that we were 2 months late which we were not. 
This has effected our credit score over 100 points.

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank Of America prepaid card provided by the Edd Underemployment Office. I had online charges over 20 plus back to back on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All charges were for the same amount and same website. I not only had a block on my card I placed when I first received my card prior to this incident but I had added a online and international block months ago. I have reached out to the company regarding all the charges but have not had any help. I can't receive a new card without speaking to a claim rep. I'm just getting transferred over and over with absolutely nothing accomplished.

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 monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet has conflicting information reported to XXXX, XXXX  and XXXX  regarding late payments on my account. I have three Nelnet accounts on my credit reports. XXXX  is reporting 10 late  payments on all three accounts. XXXX  and XXXX  are reporting 5 late payments on all three accounts. If my accounts are reported to all three bureaus, then the information should match.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America closed my debit card and blocked funds received for my unemployment from transferring to my bank. Contacted the bank for 4 days no one can explain what the issue is and my money is still on hold.

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 2020-05-30 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: NJ

Complaint narrative:
Upon reviewing my account for inaccuracies I came across numerous fraudulent accounts that I have listed here. The accounts MUST BE removed because they do not belong to me. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. The fraudulent claims are as follows : Credence Resource Manage XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XX/XX/2020 {$1800.00} ; XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX {$430.00} ; XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$280.00} ; XXXX XXXX XXXX XXXX XXXX {$72.00} ; XXXX XXXX XXXX  XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$840.00} ; XXXX XXXX XXXX {$1000.00} ; XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX, XXXX, XXXX of XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: NJ

Complaint narrative:
Upon reviewing my account for inaccuracies I came across numerous fraudulent accounts that I have listed here. The accounts MUST BE removed because they do not belong to me. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. The fraudulent claims are as follows : XXXX XXXX XXXX   XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XX/XX/2020 {$1800.00} ; XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX {$430.00} ; XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$280.00} ; XXXX XXXX XXXX XXXX XXXX {$72.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$840.00} ; XXXX XXXX XXXX {$1000.00} ; XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX/XXXX, XXXX, XXXXXXXX, 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