vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have an item from XXXX that was showing as a collection account from t mobile. for XXXX.When I noticed this amount on my credit I contacted XXXX to find out why I have this amount in collections since I currently still have service with XXXX. They advised me it was due to me upgrading my account. I was n't aware of the amount and found it strange to collect on an amount when service is still being rendered by the organization. So I paid the amount in full and wrote to the XXXX in regards to the situation. I received a response from the XXXX on behalf of XXXX as well as a XXXX agent calling me advising that as of XXXX XXXX they requested the collection agency to have this negative information removed from my profile with the CRAs and it would take up to 90 days. It was removed from XXXX and XXXX but still reflecting with Equifax. When I wrote to Equifax they advised me that they are reporting accurate information and it will not be removed. The XXXX agent assured me this would be removed and I have this in writing so I want it removed from my Equifax report. Its almost been a full year since this issue was resolved and I would like to be compensated for my time and stress this has caused due to this issue not being resolved in a timely manner when I sent Equifax this proof in writing. It seems as if they are being discriminatory and just see a XXXX name and say hey leave it on there even with proof she was told this would be removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried multiple times to have XXXX investigate this account as the information they are reporting is not accurate. I was denied a mortgage loan last week specifically because of XXXX reporting. 
In an update last week ( XXXX XXXX, XXXX ) XXXX reported on XXXX XXXX 's file to Equifax that we were late in XX/XX/XXXX. THE ACCOUNT WAS CLOSED IN XX/XX/XXXX so this is not possible. 
XXXX reporting XXXX Account number, incorrect high credit, and incorrect date of first delinquency. I have attached the original settlement statement that has an account number on it that does not match the account number of what is reporting. I have attached a settlement statement that shows that when we paid off the mortgage in XX/XX/XXXX we paid {$270.00}, XXXX and not {$230000.00}. I am also attaching an example of how the account reported inaccurately over the years and re-aged the account in order to extend the date of first delinquency. 
XXXX also did not respond to INVESTIGATION REQUEST : On XXXX XXXX, XXXX we certified a letter to XXXX through USPS and also faxed a letter requesting an investigation and requesting proof. ( see attached proof that shows the fax was received on XXXX XXXX and the certified letter on XXXX XXXX ) They acknowledged they received the request but did not provide any information. ( see attached ) I am a resident of Texas. According to Texas Finance Code, XXXX must provide information within 30 days. The deadline for XXXX to respond was XXXX XXXX, XXXX. 
By failing to respond to our investigation request within the allotted timeframe as is set forth by Texas Finance Code, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I received an alert on my Equifax credit reporting changing one of my accounts in good standing to say, " I was disputing the same and a re investigation was in progress. '' this is false. I never once disputed this item with Equifax. I am starting to believe Equifax is retaliating against me for my other XXXX complaints I filed with this office. I am not and have never disputed an account in good standing. The account information is attached it was a XXXX XXXX XXXX. Why the comment was added without my permission or knowledge is completely unacceptable and false. The attached is my alert from Equifax on XX/XX/2015, as you can see they falsely indicate I am disputing this item. I no longer trust Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was approved for IBR but told I was n't, and given a massive new monthly payment. I called and was disconnected multiple times. When I did reach them, it was after an hour 's wait. They told me my IBR went through, and I owed approximately {$300.00}, that a bill would follow. My bill was then for {$900.00}, and indicated that this was my amount to be paid through IBR. Again, the hassle of getting through to a human being on the phone. When I told them all that had happened, the woman put me on hold abruptly, where I waited 10 minutes, then came back and told me I owe {$280.00}. No explanation, told me this was the final IBR amount and that is what I should mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax And Ally Financial Are Continuing To Report Inaccurate Information To My Credit Report. Equifax And Ally Also Continue To List My Monthly Obligation To Them At {$640.00} Per Month. Equifax And Ally Financial Are Continuing to Report Incorrect Information On My Credit Report And I Would Really Like It Corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A new loan just magically appeared on my credit report while check it through XXXX I have no knowledge of bayview loan. It looks like it has been transferred from XXXX, but completely incorrectly. I feel that XXXX XXXX may have supplied incorrect information due to having been in fights with them over creating incorrect information. Yes, they created incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed by Equifax report and found an entry from XXXX. I have requested 4 times documentation from Equifax and XXXX XXXX to send to me that they use to verify that this debt is mine. I have yet to get an accurate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I mailed a check for {$300.00} to XXXX XXXX Bank on XXXX/XXXX/2015. I forgot to sign thecheck. I never got a call from them. On XXXX XXXX after 3 weeks on vacation I find the check in my mailbox.The correspondence has no explanation just the check. I call XXXX and I am told everything is fine so I make a payment of {$350.00}. They credit me back late fees so I am thinking everything is fine. I check my credit report and find the account is delinquent late 107 days. No phone call or email. I am glad they are using technology. They charge me ridiculous interest and pocket the money and provide zero service. Its a {$900.00} credit card. Are they kidding me? How about a XXXX time exception and remove the deliquency and late fee from my credit report? They tell me they are obligated to report it to the credit agencys. Yes, this is my fault I did not sign the check and should have called them. I was out of the country and off the grid. This is the result. Now my credit is ruined my score is under XXXX. Is there anything you can do to help me? This is on all XXXX credit bureau reports .... EquifaxXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is mis reporting the date of last activity to Equifax for my old master card account. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX XXXX and XXXX ) however, on Equifax it is reporting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AE

Complaint narrative:
Seterus Inc.took {$5000.00} out of my checking account without my permission. This occurred on XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts using my identity. I have been receiving harassing, threatening and death threats telephone calls from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX inquiries on my report which I have never authorized and I have asked Equifax to please review and remove the inquires off of my file. I never authorized XXXX, XXXX or XXXX XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since 2-3 years ago. I have tried to contact the bureau regarding these incorrect items and I have not received a response for my letters mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like them to do the right thing and remove and investigate these companies that have accessed my account without my verbal or written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am working with a credit consultant to better my credit and we have not received a credit report from Equifax. I have been doing everything I need to as far as getting my credit caught up. Just not sure why Equifax ca n't do their part. As far as I know my credit consultant has made many attempts to get this report from them. Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax made mistake of my social security number but they do not want to take the responsibility. I ask them twice, first time they said they put my wife 's name under my social security number, second time they said the security number is wrong, I do n't know which one is right and who I need to believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is really getting to be a problem. The dates are listed very clear and the police report was given along with other corroborating evidence to this bureau via fax. There are not even taking the time to investigate only reporting inaccuracies. I have been taking several hours of my day to call these banks ect. only to hear that they have not gotten some type of questionnaire that comes from XXXX usually. Even, there how can an account be verified by a questionnaire. This was verbatim from XXXX XXXX and XXXX legal team. Thus far upon me calling directly to these creditors I get results even before Equifax alleged attempt to reach out and verify its accuracies. Someone is lying and it has to be EQUIFAX because the proof is in black and white. I am attaching XXXX ( XXXX ) letters with regard to these inquiries while I await the others. So far XXXX XXXX and XXXX apologize and would like to delete but they are still waiting for Equifax to send them something and so is XXXX XXXX XXXX XXXX. They have NOTHING except my complaint. Now attached are XXXX letters that were sent via email and XXXX Mail stating that inquiries will be removed and they are dated before the XXXX XXXX credit file sent from Equifax saying they verified the information. These people should really stop hurting a persons chance to obtain credibility when they are not even viable themselves. It 's almost like they never even bothered. They just state that I need to contact the creditor directly and do their job, which I am forced to do anyway to receive any type of vindication. I see why they are number XXXX in the news for bad reporting yet they claim they will do their best to help. When this only proves they are doing NOTHING. Says so the creditors as well, because not all people are trained to know the answers so they rely on the help of the bureau to assist the consumer. I am a witness to this first hand now. Please do something about this as I do not have the time and money to keep wasting fighting these people to do what is right. I am a new mother just getting back into the work field and just ca n't give all my time to Equifax for them to get paid for bad reporting. It should not be on the consumer to do their job. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE IS SO MUCH OLD INFORMATION ON MY REPORT. THERE ARE CREDIT CARD BALANCES THAT SHOW A BALANCE OF {$80000.00} THAT SHOULD BE {$5000.00}. THERE ARE ACCOUNTS AND MORTGAGES THAT HAVE BEEN CLOSED FOR YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I contacted Equifax by phone on XXXX/XXXX/XXXX to request removal of a XXXX state tax lien filed in XXXX. At the time the lien was filed, I was living XXXX and was not in receipt of any notices of an impending tax lien from the XXXX XXXX XXXX XXXX. Upon my return to living XXXX XX/XX/XXXX I immediately contacted the XXXX and set up a payment plan which I completed in early XXXX ; the XXXX subsequently released the lien in XXXX XXXX. However, Equifax informed me on the phone call that they would not remove the record in their databases until 10 years after the filing, or seven years after the lien was released. When I inquired the reason, the agent informed me that it was because of state and Federal law that they were required to maintain the record. Unlike the XXXX Fresh Start program, and states such as XXXX where I currently reside, the state of XXXX has no mechanism for withdrawal of tax liens. ( XXXX legislation introduced several years ago to mirror the XXXX withdrawal legislation, SB XXXX, was not passed. ) I find this quite unfair, as it can burden many taxpayers like myself who have made the effort to satisfy their tax debts completely. As the XXXX noted upon initiating the Fresh Start program, " the goal is to help individuals and small businesses meet their tax obligations, without adding unnecessary burden to taxpayers. '' XXXX said, " These steps are good for people facing tough times, and they reflect a responsible approach for the tax system. '' Last month, encouraged by the Fresh Start program, I paid off an XXXX debt of {$33000.00}, in full. What can be done to get XXXX and the credit reporting agencies, to see things through the same lens? And, more to the point, why is it that the credit reporting agencies are claiming to be governed by different state and Federal rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: IL

Complaint narrative:
Northland Group Inc. has contacted me by letter regarding a XXXX account that I have never owned.The amount of the debt is {$2100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit Bureau failed to comply with my FCRA section 609 ( a ) ( 1 ) request by not providing the requested information. I sent a letter clearly outlining my request with appropriate proof of identification and payment for consumer disclosure ( please see attached ).

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 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Checked my credit report with experian and there is a previously deleted account reporting back on my credit report. XXXX XXXX was deleted over 3 months ago. As of XX/XX/2017 the account is showing as a negative item.

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 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting INACCURATE information. Experian is reporting that XXXX XXXX was opened in XXXX 2011. The payment history is saying this account was in collection as of XXXX 2011. It stating I have " failed to pay '' prior to the account being opened. I have disputed on numerous occasion. It also shows the last status update is XXXX 2011. I have submitted paperwork to Experian showing the correct date the account was opened.

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 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
While attempting is refinance my home mortgage in XXXX and XXXX XXXX, I discovered a Derogatory Collection Filed on my credit report that did not belong to me. Creditor listed as XXXX XXXX XXXX in the account number XXXX and original creditor being XXXX. Amount of {$390.00} had been sent to collections in XXXX XXXX. Upon my personal investigation with phone calls to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX. I was told that the name on this account was XXXX XXXX. The Social Security number they had on file matched mine. I am not that person nor have I ever used the name XXXX XXXX as an alias or any other name for that mater. Furthermore I have never lived in XXXX nor have I ever been to the state. My efforts through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the reporting agency XXXX XXXX, where the error had been discovered, to try and correct this error were not satisfactory. I then contacted my US Congressional Rep, XXXX XXXX, and her staff helped me by filing a complaint on my behalf with CFPB. That complaint number was XXXX. After CFPB 's investigation a satisfactory resolution was achieved with XXXX XXXX deleting the derogatory information of the {$390.00} collection from my credit report in XXXX of this year XXXX. However I have now discovered that XXXX of the other major credit reporting agencies, XXXX/FICO and Experian/FICO have not deleted the derogatory collections information from my credit reports regarding the XXXX XXXX XXXX {$390.00} error. The other XXXX agencies also have the name XXXX XXXX with my Soc Sec number listed under Source of Information. Another error. I was under the impression that once XXXX XXXX had deleted the incorrect information from my credit report and XXXX XXXX XXXX had corrected their error that XXXX and Experian would update their records and delete the information also. But, after calls to CFPB and XXXX XXXX, I was informed that the Credit Reporting Agencies do not communicate this information with each other and each agency has it 's own methods of reporting information on consumers. I would like to have Experian and XXXX delete the collections information and remove the name of XXXX XXXX from my credit reports. Also XXXX and Experian have an address listed for me in XXXX, IL under the Source of Information that I have never lived at. I have lived in XXXX, IL since XXXX and no other city or state.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Report did not reflect my financial status, thus a credit application to XXXX was refused

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