vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A few months ago I finally took a look at my credit report noticed that I had some negative accounts on there that were not mine. So I immediaitely begin to contact the debt collectors get them to verify this debt they say I owed them and could n't get any real answers. So I then begin to dispute the negative account with the credit bureaus and it was like talking to a brick wall. They would not respond and when they did, they would keep giving me the same answers that they " updated and verified that it belonged to me. This is outrageous and downright criminal in my book how someone can just list things on your credit and ruin your life. I 've tried hard to keep my credit in good standing. Now I have lost job and housing opportunities because of this. I have sent XXXX separate dispute letters to them and its like i 'm just wasting time and money with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Acct XXXX amount XXXX paid in full please update..acct XXXX not my acct please remove..acct XXXX paid in full please update..acct XXXX paid in full please update

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Someone has used my identity to open multiple credit accounts and order goods. I have received XXXX new credit cards in the mail in 2 days time. I filed a fraud alert with Equifax before I knew how many accounts had been opened. I attempted to obtain my free online reports from the XXXX agencies and my request was denied by all. I have no idea how many other accounts may have been fraudulently opened in my name or how many purchases have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I call then send back requested information but they still refuse to correct and/or remove incorrect info therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
to who it may concern i am having concerns about the Credit report company Equifax, i Pulled my Annual Credit Report online XXXX XXXX 17. I Receive it so that means that i prove to be who i was stating to be i reviewed it saw things that did'nt add up disputed in a letter and provided my social security and My driver license, then received a letter XXXX XXXX 17 stating that the Identification i provided does not match there files, So does that mean everything on my credit report is unreliable and unverifiable. i uploaded the letters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My husband and I are in the middle of an FHA Short Sale for the property located at XXXX XXXX XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have on several occasions requested my annual credit report and waited the allotted time, and still have n't received my report from EQUIFAX. Then on top of that it will not allow me to dispute inaccurate information on my report such as the derogatory accounts not being mine. I have been denied credit because of information specifically in my credit file with EQUIFAX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Credit Bureau is reporting unverified accounts on my credit report.m This is in violation of Section 609 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Once again, Equifax is not allowing me to access my free annual credit report. 
In addition, I am unable to 'unfreeze ' my credit with them, getting a " We are currently unable to service your request. Please try again later. '' message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. We reviewed our credit report online. I noticed that my XXXX 2014 Mortgage payment is being reported late. The payment was made on time and I have attached the documents to support this payment. Please feel free to contact me if you have any questions or need additional information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
i have attempted on numerous occasions to correct my student loan status on my equifax credit report but i can not access the account on line and via phone does not work either. it shows that i have been late on XXXX student loans and i have never been late on a student loan. the loan was transferred to another servicer. it has been corrected on XXXX, but equifax is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed XXXX a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Using CREDIT KARMA at XXXX, and viewing my credit report, I disputed a report ( on EQUIFAX the reporting agency ) by XXXX XXXX XXXX who billed me on a balance when they were supposed to refund me a balance. Equifax Credit XXXX agency resolved the issue by taking that report off my credit report. In doing so, Equifax punished and/or penalized me by reducing my Credit Score by forty ( XXXX XXXX points : from XXXX to XXXX, and then added a remark that says, XXXX XXXX '. I had been deathly seek for years and my illness caused me to be financially handicapped. I worked hard to build it back up paying off thousands of dollars in bills that this same agency is slow to give me credit for. I am currently permanently XXXX and a veteran of the United States XXXX. Equifax needs to review their XXXX reporting system. It is not fair. I am now inclined to give up on building my credit if I am going to surfer set backs like this just because I filed a complaint against a business that is clearly at fault. Equifax can not be reached at XXXX or XXXX, or at their convoluted and cumbersome website to resolve this issue. Hence, my resorting to contacting C.F.P.B. Businesses, are always right is the message I am getting here. If I had known that filing a dispute or complaint will bring this much penalty or repercussion I would not have filed XXXX. Please help in resolving this issue. MY INFORMATION IS GATHERED FROM 'CREDIT KARMA.COM ' a website designed to give parallel/combined Credit Reports from Credit Reporting Agencies like Equifax and TransUnion XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is once again reporting incomplete information on my credit report. They 've listing a collection company on my credit profile with no name. This is a company that 's so gunned whole of releasing any incorrect information as long as they can stick it to the consumer. 
1. I need to know who are the people that you 're claiming I owe. 
2. Direct Contact Information On this Company 3. The name and number of the person that works for Equifax that 's stating that this account has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
XXXX XXXX ( represented by Pressler & Pressler ) sued me at an old address in the wrong XXXX and was ultimately successful in obtaining a default judgment against me in 2011. 

Fast forward to the present, I finally learned of the XXXX this year when I received notice of wage execution. I requested copies of the original court record and found the service was effectuated at the wrong address and there was no account level documentation in the file. There were multiple balances listed so I ca n't be sure what they are alleging I owe. 

XXXX and Pressler 's " Source of Address '' was the address on file. I had changed my address with Motor Vehicle, my bank, my children 's school and my cell phone carrier. They did not do their due diligence to locate me because it was in their best interest if I did not respond. 

In addition, there was an " Affidavit '' included in the case file which bears a strong resemblance to the the described fraudulent robo-signed documents that XXXX XXXX and Pressler were reprimanded for in their respective CFPB Consent Orders. There is no record of XXXX ever having attempted to contact me prior to filing the complaint, I am not sure if a Dispute Affidavit exists or if my account was affected, since everything was sent to an incorrect address. 

XXXX XXXX has been ordered by the CFPB Consent Order to " Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits '' ; and to " Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable ''. 

XXXX is in violation of the CFPB Consent Order and FDCPA Federal law. Serving me at the wrong address in the wrong XXXX is sewer service and should not be tolerated. Is there a standard of due diligence that must be enforced? 

I have filed a Motion to Vacate the Default Judgement and to compel Discovery. At that time, if XXXX chooses to continue to pursue the case using these fraudulent tactics I will counter-sue with the full weight of any consumer rights attorney I can find.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
During an evaluation of my credit report, I noticed a company by the name of XXXX billing which is in California. I contacted the company to find out what type of business they were and the rep told me they finance auto and home. She attempted to look me up in their system by using the last XXXX digits in my SSN and my last name. She could not locate me and I asked her why were they on my credit report and she said she did n't know but it could be a case of identity theft. She told me to contact XXXX and let them know. They would contact XXXX billing and XXXX billing would tell them I am not in their system. I did that. Now I 've received a letter from Equifax stating that XXXX billing is not reporting on the Equifax credit file. That is not my XXXX dispute and I made it clear to them. My dispute is why is this company on my credit file and I 've never done business with them?? I 've never heard of them. I want them off of my XXXX credit!!! I 'm sick of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have sent Equifax XXXX notices to resolve an issue on my credit report regarding XXXX XXXX XXXX XXXX which has to accounts on my Equifax reports. These accounts are now been negatively impacting my reports for almost 8 years. And because they have reached their 7 year mark, they need to be removed immediately. As I am trying to get mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Wrong personal information on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Yesterday I applied for a home loan but was turned down because of 2 negative items on my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Santander Bank began to offer an account called extra20 Checking in XXXX XXXX. Santander Bank heavily advertised this product as " not a promotion '' and made implicit and explicit guarantees that if you opened an account, you would have it forever. I was one of many people who chose to switch to Santander because of these promises - it is not an easy task to switch bank accounts, but the bonus made it worth the switch, despite being an otherwise inferior bank. In XXXX XXXX, Santander decided that they were no longer going to offer this product, which is completely in their right. In XXXX XXXX, Santander decided to move every existing customer out of their extra20 Checking product and into a different product that does not pay the monthly bonus that they had guaranteed. I believe that what Santander did was bait-and-switch at best and criminally deceptive at worst. As an example of this, I was able to locate one of their advertisements stating how much you would earn in 5 years with this account - this would be impossible considering the longest that anyone could have stayed in the account is less than 3 years.

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 2016-06-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: TX

Complaint narrative:
My mother had a reverse mortgage with reverse mortgage solutions. After she died we put the home up for sale we were supposed to close on the loan on XX/XX/XXXX we in order to pay off prior to that on XX/XX/XXXX and the lender placed the home in foreclosure on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
They called me at XXXX XXXX while i am laying in the hospital. He transferred me to make a payment and I was on terminal hold. Since the woke me I figured I would make the stupid payment and when I called to try and actually do it I got hung up on by XXXX different representatives. They have been hatrassing me but calling at XXXX XXXX takes it to a completely different level.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
XXXX from XXXX XXXX XXXX XXXX. He did not disclose from where he was calling, or representing. I googled the number and it comes up with many complaints and the name " Fidelis '' which is also a large XXXX in XXXX New York - This issue is for a dental bill for which he told me was {$360.00}. I told this XXXX XXXX that we have been in contact with the dental office, and our former insurance carrier about this - that it has been an ongoing issue and not one that we chose to ignore, or not pay. He is bullying, rude, condescending, and threatened me with a lawsuit even after I explained the history. I called my XXXX office, XXXX XXXX XXXX immediately afterwards, and spoke with the office manager who told me that XXXX XXXX has his figures wrong. XXXX his date, and the amount of the bill which is {$100.00}. This begs the question where the other expected {$260.00} would go had we paid this incorrect amount. Right into XXXX pocket.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I bought a car thru XXXX XXXX in XXXX XXXX I had XXXX car payment late due TO THE XXXX SHUTTING DOWN FOR TWO WEEKS it was n't my fault that was out of my hands and they marked me late. Also I signed up for auto pay in XXXX of XXXX. THEY XXXX UP PAPERWORK AND DIDNT PUT IT IN FOR 3 months even though I talked to their representatives and they told me it would only take 10 days from the date they received it. It took them three months. So that is not my fault that they XXXX up but they have marked me late XXXX. So a total ofXXXX late payments which was n't my fault. I can not help if XXXX shut down and we did n't get paid on time. And its not my fault that their employees do n't put paperwork in on time. I am still paying on car and, my monthly payment comes out every XXXX of month now

Company response to consumer: Closed with explanation