vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card had, at XXXX time, authorization to withdraw payments from my checking account. In XXXX of 2015, I asked them to stop withdrawing their payments from my checking account. They continued to do so. I placed a block on my account so that they could not continue to withdraw funds from my account, and they created " dummy '' checks and continue to withdraw money. I changed my bank account information and they somehow found out my new account and withdrew money again,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX, I contacted Equifax due to inaccurate information being reported on my credit report. An investigation was done and the results are attached. Well while over looking the results for XXXX XXXX # XXXX, the results of the investigation states that that this account is currently reporting included in bankruptcy, but when you look at the account it does not reflect the information as confirmed by the documents sent by Equifax that would be accurate as this was included in bankrauptcy. 
XXXX formerly known as XXXX XXXX account # XXXX is reporting the same error as listed on the information listed above. 
on the XXXX account # XXXX and and XXXX account # XXXX listed on this same conformation report attached in which the 30 day investigation has concluded. ... you will see that they are showing that both account are still disputed by consumer and is under reinvestigation. the XXXX accounts are reporting correctly as never late and paid off. This is correct and I have do not dispute this information nor have I asked for another investigation. 

I have placed several calls to Equifax but no one is willing to correct the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax is ignoring my request to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On or after XX/XX/1016 There may have been a fraud alert placed on my Report. If it was I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has release my credit report XXXX times fraudulently and they refuse to remove these fraudulent inquiries. I told them someone posted my personal information online and even put a fraud alert on my report and they continue releasing my credit report. 

The following inquiries are fraudulent and should be removed by law. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
no contract or signature verified by this collector.

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 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX student loans reached an agreement with me and sent me a letter to agree to have all XXXX accounts deleted off of my credit report, I uploaded the letter as proof to Equifax and they have yet to delete. I just want the accounts deleted off my credit report like agreed in the letter that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX account # XXXX The late dates are an inaccurate representation of my billing history with this company. They did not deliver my furniture as specified. I have a long history going back and forth ; it took them more than 90 days to complete delivery of the goods purchased. During which time they were accuring billing and late fees. However, until they delivered my furniture as agreed, they should have begun billing me. I began paying them when I recieved my furniture order in full.They are claiming I 'm late and reporting dates are inaccurately. I paid them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they also began billing me before delivering my products undamaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Some one has stole my SSN and used it as well used the last name XXXX and it 's XXXX. There was credit cards and other charged accounts that I did not know about as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to Equifax for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. Equifax has repeatedly said they verified this information was correct with XXXX ... BUT THEY HAVE MY BANKRUPTCY PAPERWORK AND KNOW XXXX COULD NOT BE REPORTING EVEN IF IT WAS CORRECT, WHICH IT IS NOT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX please removed XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX please removed XXXX XXXX XX/XX/XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
hi i had a chapter XXXX bankrupsy back in 2006 due to a divorce. i have been rebuilding my credit ever since. it has been almost XXXX years, when will this bankrupsy come of fof my credit report? i thought it was after XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
I began a refinance process of my current mortgage back in XXXX of 2016 at that time the current rates were XXXX percent on a 30 yr fixed rate VA loan. There was a previous problem with the posting of my payments which I did not find out until I started my refinance process. I am now completeing my refinance and the current interest rates are XXXX. I believe that since the mortgage company has caused me to delay my mortgage process because of their mistake which took them over 8 months to correct it has cost me in my refinance. I would like for Setarus to pay the current mortgage company the difference to buy down my current rate to XXXX from XXXX. Or they can pay me the difference in the total payments for the next 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX and XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my basic training and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is an inquiry being reported on my equifax credit report from XXXX XXXX on XXXX/XXXX/XXXX and Ive had the account opened since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
follow the steps to get my free credit report from Equifax and as I was about shoes right down the confirmation number and do my report lost connection I was not able to retrieve information have no way of getting my information at this point and make my report so can someone tell me how I can retrieve my report after losing the information on the site retrieving

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 — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Equifax because I notice some negative information that is not correctly reporting on my credit file. Equifax responded by deleting the incorrect accounts and adding another negative account which is a Judgement. I went to the courts to get some information about this Judgement and the courts informed me that they do n't report to the credit bureaus so they do n't know where Equifax gets this information from. 
I sent a certified letter to Equifax XX/XX/XXXX to dispute the judgement and Equifax responded stating that their investigation is complete and the judgement is reporting correctly. I sent another certified letter to Equifax XX/XX/XXXX asking them to send the name, address and phone number of who they communicated with and a copy of the documentation they gathered that allowed them to come to the decision that whatever they are reporting is accurate. They Ignored me, I did not receive a response. So I sent another letter XX/XX/XXXX and still I did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I can not access Equifax dispute online. I tried to log in and dispute a collection that is outside the statue of Limitations from XXXX. 
The collection amount is XXXX. I have tried for the last four days. 
I applied for a job and they told me due to my collection issue I could not get a job based on my Equifax report. I will provide your with proper documentation pertaining to their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed an account that has been in my equifax credit file. This was a car loan that was taken out back in XXXX. I filed bankruptcy in approximately XXXX XXXX this loan went into default 4 month before that which would of started the 7 years of remaining on my credit report in which the credit laws states. This was a chapter XXXX filing or wage earner plan in which this account was under a stay of the united states bankruptcy code. My attorney at that time made incorrect calculations and my case was ultimately dismissed 3 months before its maturity date by the trustee. So in XXXX the firm agreed this was an error on there part and they refilled the case at their expense and I went thru 4 more years of a wage earner plan and this case was finished in XXXX. XXXX is the company that is still reporting derogatory information on my equifax credit report. I have called them numerous times pleading my case with them to remove this old account. They refused by telling me that any time a new agreement is made and it goes delinquent again the 7 year cycle restarts and that they are reporting according to law. The date of first major delinquency was in XXXX not XXXX as they are trying to make their case. They want to have their cake and eat it too and this is n't fair to the consumer and unlawful at that. I feel this is some sort of retaliation for filling bankruptcy to begin with. I have asked equifax to remove this and they told me I have to get first investors to remove it. They will not give me and payment history as they have deleted all that information. They refuse to give me any documentation for a pay history. The way I see it is this if they want to stay with their claim of a XXXX delinquency then I want a pay history from that point showing this account was paid as agreed by the trustee, I brought that point up and she told me they cant do that by law, and I said you cantreport a delinquency of XXXX when it actually occurred in XXXX that is breaking the law. I want this stricken from my credit report and never to return on my report again and I want the government to investigate this company for possible laws they may have violated for reporting this way and if they have broken laws their reporting privileges should be revoked permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX/XXXX/XXXX I down loaded the form for a free credit report, and supplied complete information and documentation on XXXX/XXXX/XXXX. 
This was mailed to Equifax on that date. 
I received a form letter dated XXXX/XXXX/XXXX, of XXXX pages with a research request form, no credit report included. 
On XXXX/XXXX/XXXX I received a form letter stating that I have received a free credit report from Equifax within the last twelve months. 
I had never requested nor received a credit report from Equifax prior to this XXXX. 
On XXXX/XXXX/XXXX after receiving the above, I called the dispute number, and spoke with XXXX providing the needed security information and, stating the lack of receiving the requested free credit report. 
She told me she would send out a complementary report even though their file shows XXXX was supplied per my request, that I would receive it in XXXX twelve days. 
XXXX then gave me another confirmation number. 
I received another " copy '', dated XXXX/XXXX/XXXX, this being the same form letters as the the first and second sets, with the " new '' confirmation numbers, as supplied by XXXX. 
On XXXX/XXXX/XXXX I called the dispute line and spoke with XXXX. 
His response was that he would immediately sign me up on line for a monthly fee so that I could look it up anytime. I declined. 
I now waited for approximately sixty days for credit report. 
Would appreciate some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Public record of tax lein on my credit report from ex husband is cleared and still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax claims they can not send my my credit report and I need to go away

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called Equifax on XX/XX/2016 about credit inquires that were not authorized by me on my credit report. I was told by the representative that they do n't have to remove anything and that I should call each company. I also faxed a letter on XX/XX/2016 asking for the removal of such inquires. I did not give any of the companies authority or permission to pull my credit and inquire and no true credit was given to me. Equifax reps was very rude and disrespectful. I made multiple call attempts and faxes sent in multiple times hoping for change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report company refuses to get rid of the dispute on my credit. I told them im not disputing my car and i wrote to XXXX exquifax and XXXX and requested that they take it off. XXXX also telling them to take it off as well. They told me they wont re investigate and that information is correct and that they wo n't take it off my credit. I sent them letter and told them countless time to remove it. The person im dealing with has pulled my report. Several times and my score has dropped alot and i have a baby comming and i ca n't stay in this condition. I live in a hotel room paying XXXX a week and i 'm feeling really fustrated right now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries on my credit report : XXXX XXXX XXXX, XXXX/XXXX/16, XXXX XXXX XXXX, XXXX. The unauthorized inquiries do not belong to me.

Company response to consumer: Closed with explanation