vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Is someone looking into this Data breach with Equifax?! this is absolutely mind-boggling! I have called, because quite frankly, I do not trust their website. Their employees are poorly trained and they give out wrong information. Why ca n't Consumers opt-out of outfits like this? They could ruin my chance for a promotion at work, not to mention the inability to get loans, or refinancing? Please, can you do something for us? 

ALSO, EQUIFAX IS REQUIRING ANYONE WHO SIGNS INTO THEIR WEBSITE TO CHECK TO SEE IF THEIR ACCOUNTS HAVE BEEN COMPROMISED, THEY WAIVE THEIR LEGAL RIGHTS TO PARTICIPATE IN ANY CLASS-ACTION SUIT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
In a letter dated XXXX XXXX, XXXX, a Debt Collector by the name of NRA Group , LLC, stated that XXXX SCRIPTS, has indicated a delinquent debt of {$250.00} that is owed to them. EXPRESS SCRIPTS is the pharmacy provider for my employer 's private insurance provided through XXXX XXXX XXXX XXXX XXXX. The only phone number provided for XXXX XXXX was XXXX in which to make a payment. I contacted our XXXX XXXX XXXX XXXX XXXX XXXX, a service provided by my employer to assist with benefit resources. 

They were able to determine that the actual pharmacy involved was XXXX, a specialty pharmacy that is a subsidiary of XXXX SCRIPTS. XXXX was able to contact them and arranged a conference call with XXXX on XXXX/XXXX/XXXX. We spoke with XXXX of XXXX and asked for the date, medicine, and individual that this was prescribed for. XXXX indicated that this was a medicine that they had filled for my XXXX year old daughter, XXXX. 

I specifically told XXXX that we never were told by XXXX when they arranged the shipment to XXXX 's doctor that there would be a {$250.00} co-pay, they never sent us a bill, either XXXX nor XXXX SCRIPTS, and when asked, XXXX stated XXXX, you 're the primary insurance holder. '' I told her the debt was not mine and they should 've sent a bill. XXXX stated that it was probably sent to the doctor 's office. 

XXXX is supposed to send a bill but stated it XXXX take up to XXXX weeks before I will see it so that this can be submitted to my daughter 's secondary insurance ( which they never asked for XXXX. 

Complicating this issue is the fact that XXXX stated that this was for a Lupaneta XXXX, which was never prescribed by the doctor. In fact, XXXX attempted to send that out but we stated that it was never prescribed and contacted the doctor 's office to ensure that this had not been ordered by their office. The only medicine prescribed was a XXXX single pack.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
Noticed this account on my report and I 've never heard of this company or even know who they are collecting on the behalf of, they have never sent anything, just added this errenous account to my report as a collection.

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 2017-09-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was leasing car ( XXXX XXXX model XX/XX/XXXX) from Nissan Motor Acceptance corporation. My lease was ended in XX/XX/XXXX. At the end of lease, I contacted them for end of lease instructions by phone. Nissan customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. Nissan reported to 3 credit bureaus 60 days payment late. I contacted Nissan they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from Nissan on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, Nissan itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XX/XX/XXXX thruXX/XX/XXXX have been trying to get report or company with no results this is for Experian. I am very consen because of the breach of credit.

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 2017-09-15 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: OR

Complaint narrative:
About the Equifax breach, I logged on to their website to start a Credit freeze and filled out the online information they wanted and received a message when I hit the submit button that my file could not be found! I believe they have deliberately made it impossible to file a credit freeze. How could my Credit report information not be there and available? I have tried for 3 years through Equifax to correct my report with no response or action from them of any kind. I have sent them the requested information through the mail three times attempting to get my report fixed and they never made any acknowledgement they received it and they never made the corrections even with the proof I included they asked for. All Credit Reports should forever be eliminated so this can never happen again and Equifax should be required to immediately initiate a credit freeze on all individuals whose information was leaked not only with their company but they should be forced to freeze all credit reports with all companies and pay for the freeze costs immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Because of the Equifax security breach my score went down by 55 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
About the XXXX breach, I logged on to their website to start a Credit freeze and filled out the online information they wanted and received a message when I hit the submit button that my file could not be found! I believe they have deliberately made it impossible to file a credit freeze. How could my Credit report information not be there and available? I have tried for 3 years through XXXX to correct my report with no response or action from them of any kind. I have sent them the requested information through the mail three times attempting to get my report fixed and they never made any acknowledgement they received it and they never made the corrections even with the proof I included they asked for. All Credit Reports should forever be eliminated so this can never happen again and Equifax should be required to immediately initiate a credit freeze on all individuals whose information was leaked not only with their company but they should be forced to freeze all credit reports with all companies and pay for the freeze costs 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 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Integrity Solution Services, Inc.
State: GA

Complaint narrative:
Integrity solution service 's license to collect a debt expired in XXXX and they have been reporting on my credit report inaccurately since XX/XX/XXXX of last year on my XXXX 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 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have sent them an identity theft report as well as a police report to show fraud was done in my name. i have sent this information to the company as they requested and they have yet to respond or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian will not freeze my credit report. I have now tried calling them ( busy signal ) - and the website refuses to place a hold. I am ready to pay.

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 2017-09-15 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: WV

Complaint narrative:
I realized my credit file was mismerged with a close relative, who, happens to have a similar name and middle initial. While the relative has a comparable name, their gender, birthdate and SS number are entirely different from my own. Furthermore, my relative 's address differs from my own as well. 

I filed a online dispute with Equifax. On the same day I dispatched a dispute email to the credit reporting agency. Shortly after I initiated the dispute, I received notice the reinvestigation was " complete. '' The notification from Equifax stated my ( new ) report was available for " review. '' After I reviewed the ( newly issued ) credit file I was surprised to learn the CRA failed to delete the inaccurate information. Simply, my family members personal identifying information continues to linger in my ( mixed ) credit file. 

I notifed Equifax on several occasions my file was " mixed, '' however the CRA ignores my claims and fails to delete the inaccurate data. Equifax reported, shared and continues to spread unreliable data for a fee. Instead of verifying the information and creating a new file, Equifax muddled our data together. 

I have evidence of the merged data, the correspondence of both parties, as well as the confirmation numbers pertaining to the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: NC

Complaint narrative:
I have been trying to freeze my credit due to the Equifax breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Date : XXXX XXXX XXXX. 
I logged onto the Transunion website to place a credit freeze on my accounts ( due to the XXXX  hack ). After answering all questions, the website instructed me to call them. I called them ( was on hold for 90 minutes ), going through their automated phone credit freeze, again answering all questions, only to be informed at the end that I needed to speak with one of their representatives, who ultimately told me that they would NOT FREEZE MY CREDIT, unless I did the following : Make a copy of my social security card, my driver 's license, and a bank statement showing my address. Write them a letter telling them WHY I 'm asking for a credit freeze, list my name and address and last 4 digits of my SS number, and MAIL it to them at : XXXX XXXX XXXX, XXXX, PA XXXX. Then, THEY will decide if THEY will place the credit freeze. The hard copies of my SS card, driver 's license, and bank statement becomes their property to be kept " on file ''. I also need to include a check for {$5.00} made out to Transunion XXXX 
I had no problems placing a credit freeze with XXXX or XXXX online, but Transunion is making it practically impossible, and incredibly risky for me to place a credit freeze with them! Can anyone HELP us poor consumers!!!

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 2017-09-15 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: PR

Complaint narrative:
XXXX XXXX XXXX pull out my TransUnion credit report without my permission.

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 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There was a security breach and my information, including my social security number, was potentially sharec.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XXXX 2017 I tried to use my credit care.it was denied. When I called to find out what happened, I was told that my account was past due. After searching for my statement. I looked in my completed files and my due files. I was told I owed XXXX dollars including late fees. I refused to pay the late fees due to my not receiving a statement. I was told the late fees would be wavered and I would only have to pay XXXX. Which I did. This payment was to include my XX/XX/XXXX payment. On XX/XX/XXXX I tried to use my card and again it was denied. When I called, I was again informed that my account was past due. After sitting on the phone for nearly 2 hours I was told the payment was XXXX. Upon further questioning, I was told that the XXXX that was supposed to waive was what put my account past due. I was told that I needed to pay the wavered amount and it would come off of my principle. That my cad would be suspended until I pay the previous past due of XXXX. Why should I pay for a waivered fee? With my account in past due status, I now have to pay a second past due fee. And hurt my credit. In XX/XX/XXXX when I questioned the agent about why I should have to pay for their mistakes I was informed that this is the way it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to freeze my credit due to the XXXX breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to freeze my credit due to the XXXX breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.

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 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My original creditor was Amazon credit card. They sent the debt to collections, XXXX XXXX XXXX XXXX, a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, community point bank on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received itXX/XX/XXXX. OnXX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received itXX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX. XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore.
What can I do?
Thank you

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 2017-09-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX - Disputes were sent on to Trans Union and XXXX regarding numerous accounts that should not be on the credit file. After 30 days, even longer, no investigation results were sent out, no new credit report, and nothing was removed from the credit file. I have again re-submitted disputes to Trans Union and XXXX once again to get this problem solved immediately. As a consumer it is my right to request the credit bureaus to verify information on my credit file that I am disputing. Since XX/XX/XXXX, nothing has been done.

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 2017-09-15 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: ID

Complaint narrative:
Working with Experian, report number XXXX, case number XXXX Report date : XXXX XXXX, 2017 has been way frustrating. They will not remove several errors on my report due to identity theft. I have been on the phone with them for over 12 hours, used their web sites, spoke to several employees to get their errors fixed, and they refuse. They would rather use mail to contact me. When I fill out the forms and return them, they say they need more information. They will not remove addresses from Florida that I have requested several times. I have never lived in Florida, never even visited the state either. My report shows 2 social security numbers, ( red flag to a competent person! ) It also shows two names and several addresses that I have never lived. I wanted to take a loan to purchase a new truck, but because of their errors, my credit shows to be in the gutter. They have given nothing but hardship and pain and it is not my fault. I have had flawless credit my entire life! I ask for employee names, but they do not offer last names, nor extension numbers to contact personnel. You are on hold for at least 30 minutes per call and get to deal with who you are dealt with-no chance to deal with that person again. How slimy is that and is that the kind of service I deserve? I am at the point of hiring an attorney to file a lawsuit against these clowns. I have been dealing with these people for over 2 months now to get my credit where it belongs and nothing, very frustrated.

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