vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today I received in the U.S. Mail a letter dated " XXXX XXXX, XXXX '' from " Equifax '' who is refusing to " delete '' the negative " XXXX XXXX XXXX XXXX '' entry of " Foreclosure '' off my " Equifax '' credit file. I filed for divorce on XXXX XXXX, XXXX. My ex-wife ( XXXX XXXX XXXX ) wanted our house in XXXX, California. So I moved back to XXXX, California. Around XXXX XXXX, XXXX, Family Law Judge XXXX XXXX ordered me in writing via a Court Order to " immediately turn over '' the home in XXXX to XXXX. So I did so. I did n't know until recently that she, not me, but she had STOPPED paying the monthly mortgage after I had physically moved out from it around XXXX XXXX, XXXX. " XXXX '' and " XXXX '', the XXXX other large national Credit Bureaus under the above " legal '' facts and they both have removed the " negative '' foreclosure status off of my " XXXX '' and " XXXX '' credit files. Yet " Equifax '' still refuses to do so. I even mailed " Equifax '' all XXXX pages or so of Judge XXXX XXXX 's Court Order and " Equifax '' is financially penalizing and libeling me for something that my ex-wife had 100 % control over because of Judge XXXX 's Court Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have several creditors who pulled my credit report without my permission. XXXX wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Equifax is asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Equifax, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Equifax. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD BE DELETED ASAP Thanking You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
hello my name is XXXX XXXX. i have recently came across an issue with my credit report. two years ago i was receiving help from XXXX of XXXX county and they provided assistance with repair my credit due to many errors on my credit report. all XXXX bureaus ; equifax, XXXX, and XXXX had false information. well i made a dispute with all XXXX bureaus and the only bureau that corrected my information was XXXX. i would like XXXX and equifax to acknowledge my dispute and fix my report as to my attachment i have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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:
I am unable to get my free annual credit report from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax should have arrived at the correct resolution to the following dispute, in light of the fact that the debt collection agency that placed false information on our accounts is in violation of Federal law. They should also restore us to a high credit score. 
XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, XXXX XXXX XXXX has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

XXXX refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( XXXX XXXX XXXX XXXX, especially section XXXX ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States. 
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ A fair resolution will be the correction of the false information that XXXX has placed on our credit files. Any payment the court needed us to pay was already paid in court, and the amount the court requested, which again we satisfied, was already much lower than what XXXX XXXX XXXX is claiming to collect. My wife and I should be compensated for the monetary value of the combined change/loss in our credit scores due to their false report. 
Most importantly, they must cease and desist from wrongfully reporting the legal status or amount on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Twice now I have disputed through Equifax with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have hired credit repair agency to help remove inaccurate information on mycredit report. They have been notified and the only agency that has made adjustments to my report is XXXX. Equifax and XXXX has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a state tax lien from GA that 's been paid and only credit report since XX/XX/2009. It 's been seven years and it should come off. All the other credit bureaus removed it with no hesitation but equifax will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has placed another companies information on my credit report. I have disputed the information and have not heard back in sixty days. I have given them documents to show the information was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX billed my old card and I recently moved from XXXX to XXXX and they never got into with me to let me know that my final bill was in collections. Now I 'm recently in the middle of a mortgage loan and they advise me that XXXX was on my credit report so I called and paid the final bill, they will not remove it from my credit and I owe them nothing now. I also requested a XXXX balance letter and I have not received it yet. This is a big issue and they will not resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I received a a letter from Equifax dated XXXX/XXXX/15 advising me that they will not block my information at this time. I provided affidavit of fraud, police report, driver licenses, social security card, and a bill. Even with all this proof Equifax is still addressing me as XXXX XXXX XXXX and that is not legally documented anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Since XXXX XXXX, XXXX I have repeatedly asked Equifax , XXXX, and XXXX to remove an item on my credit report that was caused by an authorized user back in XXXX. The above agencies keep telling me that the reporting is accurate and refuse to remove XXXX XXXX XXXX account number XXXX as an item that does not belong to me. 
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX and asked them as a Good Will gesture to remove this item so that I could purchase a car. 
I received a letter from XXXX XXXX XXXX asking me to call them. I called them this morning, XXXX XXXX, XXXX and spoke to XXXX then manager XXXX at XXXX. I was told that they had to accurately report MY credit and that they could not remove said item from XXXX, XXXX or Equifax. I quote to them that they were in violation of Section 1681n and Section 1681o of the Fair Credit Reporting Act. ( This is not my account ). 

I was refused a good will gesture because I was the primary on another account that was linked to this card. I was never on this bank card and should not be penalized for something that I did not do. I am including copy of that letter, copy of credit bureau update, and copy of my fourth letter to all agencies asking them to remove said item from all three agencies.

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 — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
have attached a letter of deletion from XXXX XXXX XXXX which I have previously sent to Equifax and yet the collection entry still exist on my credit report with them. Please remove the collection entry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The issues I have with Equifax and XXXX is that they failed to properly investigate an account that is on my file ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Department of ED, XXXX XXXX XXXX ). I was told by a representative that they do not have to follow the law and had no resolution to these fraudulent accounts. I asked for copies of the documents they used to verify these fraudulent accounts but to no avail. They refuse to obey the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX has refused to remove a debt that I have already proven does not belong to me. I have provided a copy of a written letter from XXXX XXXX XXXX verifying that they have informed EQUIFAX to remove the debt. However EQUIFAX is refusing to comply reporting fraudulent claims in my name and has been doing so since 2013. When I began to contact your office this month, EQUIFAX turned around and began to retaliate against me, ADDING accounts instead of removing the account in question. Now EQUIFAX has added an old XXXX claim in my name despite this information has been disputed before and by EQUIFAX removed. I have evidence that EQUIFAX removed the false claim from XXXX as I have never signed anything with XXXX. I do not understand why EQUIFAX believe they do not have to follow the law. It is ID Theft when you use someone else SSN fraudulently. I have received no evidence from EQUIFAX that I owe this debt, because I do NOT. According to the law, not only do they have to prove their claim they also have to notate the items are disputed which EQUIFAX has failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
tax lein paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Credit report is showing I owe {$68.00} to XXXX ... this debt has been paid ... I challenged it through XXXX & they deleted it from my report ... I also called XXXX XXXX & they are not showing any such debt ... Please remove this negative information ... thank you XXXX XXXX ... XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was unable to receive my free credit report. I got an error message saying the site was temporarily down. When I went back to get my credit report, it stated I already had received my free credit report but I did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The address XXXX XXXX XXXX XXXX, XXXX PA, XXXX appears on my credit report under addresses. I have never lived at this residence which raises the concern of identity theft. I would like this address removed from my credit reports as it is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX 2014 my SS was stolen & used, and my Computer was acked : finally 2 years later they have taken out a lot but there are still error I am XXXX years old. my car was in the shop for repairs XXXX I need it for going to the grocery & Dr. appointment plus I had in 2014 XXXX & XXXX must see the XXXX XXXX XXXX time each years, My S S is very modest, please help me Thank you XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX XXXX tel. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My attorney and I have been trying to get a payoff amount for my mortgage since XXXX XXXX, 2016 and can not get Santander Bank to give us one. I am about to lose the sale of this house due to their incompetence and I need some help from you to obtain the numbers I need.

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
Consumer complaint received 2016-03-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: QuickClick Loans of Illinois, LLC
State: CA

Complaint narrative:
I have constantely requested the company not to contact me at work because it 's a monitored land line and I am not authorized to take personnel calles on this work line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Townstone Financial Inc
State: IL

Complaint narrative:
I have recently began studying for the Federal ( XXXX ) for my NMLS certification. In the last 3 days I have learned more about unethical behavior as it pertains to lending than I have ever learned in a lifetime of " real world '' experiences. When I purchased my home in XXXX ( and refinanced in XXXX ) I was NEVER told about any of the required disclosures which would have afforded me the opportunity to make a truly informed decision ( especially as it pertains to rescission ). My monthly payments were never what was promised during closing, I have no idea what my true APR is currently and after closing I was asked to pay an additional {$3500.00} in closing costs " off the books ''. I felt rushed, bullied and pressured to sign ... but I had a family that needed a residence ASAP and I had to provide. 

I want to know what recourse I have currently to either restructure my loan, recoup expenses for the trauma it has caused my family or have this XXXX loan forgiven at the expense of the lender ( who has since sold my loan to XXXX, XXXX other people ). Since learning all of this information as a result of my studies I am, needless to say, infuriated that even after the XXXX deliberate destruction of our housing economy I am still experiencing ( and PAYING FOR ) these types of predatory actions! 

I did my business with Townstone Financial out of XXXX, IL. I can provide all other required information at your request. Thank you for looking into this matter. 

XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I took a leaser from Nissan motor acceptance corp in 2006. XXXX XXXX and I agreed to a 36 month lease with me XXXX/XXXX/2006. 
XXXX Dealer XXXX lied and deceived me wrote the contract at 42 months and did not notify they changed the terms based on what we agreed to verbally. Even though I only agreed to 36 months at {$430.00}. I paid all 42 months and they told me when I moved to XXXX XXXX forced me to double pay upfront taxes I had already paid at the beginning of the loan and now pay {$560.00} per month which was not in my written contract. I was over charged and lied to on this loan. Then after I returned the leased vehicle in perfect condition and they said i didnt owe anything. They have wrote me up on the credit bureaus as a charge off. Then they have continued to lie and give the credit bureaus wrong information dates that are wrong and more recent so the debt stays on my credit report. 
This company has lied to me, over charged me, lied to the credit bureaus, sent incorrect information to keep a debt on my credit report which has costs me thousands of dollars and effected my ability to rent apartments and get credit. I paid was was agreed and more they lied and continue to deceive the credit agencies to try and collect money they are not owed and seriously negatively affecting my credit for over 5 years. Please contact this company and make sure that delete this charged off debt I have never owed off my credit report. 
I also want to be paid back all the money i over paid in tax on this loan. I never owed them money. they owe me money. Also this debt is out side of the statue of limitations nissan keeps lying about the dates to keep the debt on my report. That is very wrong and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I would like to report inaccurate late reporting information on my vehicle loan through Nissan Motor Acceptance Corporation. My account should not reflect any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
Receivable Recovery {$220.00} for all debts I had on my credit report on XXXX/XXXX/2015 by Debit Card to XXXX XXXX XXXX XXXX

Company response to consumer: Closed