vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Bank, XXXX XXXX XXXX XXXX had notified Equifax and other credit agencies that XXXX made an error on customers account and reversed negative late payment history in XX/XX/XXXX. Equifax and others had not corrected customer history so customer disputed again in XX/XX/XXXX. XXXX too re-notified Equifax and still they did not remove disputed error. XXXX operators at Equifax were unhelpful and unable to assist and just kept offering to send a free report. In the meantime, my credit history had been ruined..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I have been a customer with this bank for years and for the most part I have not had any problems, until recently. I began reviewing my account statements after I received a notice that my account was over drafted over {$700.00}. I will be honest in saying that I have unintentionally over drafted my account in the past and have been able to bring my account in the positive within a reasonable amount of time. When I reviewed my statements, I started by reviewing the balance and charges from XXXX until recently. I would subtract the charges shown from the balance provided on my statements. Often times when I was charged an overdraft fee, there would still be available funds in the account. I have been charged {$36.00} overdraft fees for charges well under {$5.00}, the smallest being a {$0.00}. I know difference between an available balance and posted balance, still according to my research, a lot of the overdraft fees I was charged was done in error. The way BB & T explains how they process payments and the difference between an available balance and posted balance seems very deceptive. Based on the numerous complaints I have reviewed, I am not the first customer to have this problem. My account is utilized for various reasons and BB & T has put me in great financial trouble with other institutions I pay using the funds that are deposited in this account. I contacted the customer number XXXX to resolve this, both times the line disconnected. I only decided to submit this complaint as a last resort when I checked my bank statement to find out I was charged {$4.00} for contacting the customer service number in order to resolve my problem. I would like to remain a customer with this bank, but I do not agree with how I have been treated and taken advantage of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has reinserted an incorrect item for the third time. Case XXXX, Was removed XX/XX/XXXX, reinserted XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am locked out of my Equifax free credit report. The questions they were asking me were so wrong, and fraudulent that I am only left to believe my account, credit, identify and social security number has all been compromised. I need to resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After Disputing my credit with Equfax by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because Equifax is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by XXXX and XXXX. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I regularly check my credit information with XXXX. In XXXX of XXXX I discovered I had a delinquent account despite not receiving any notification of such. I was able to learn that it is a collection agency called XXXX XXXX XXXX XXXX reporting an amount of {$130.00} owed to XXXX. The problem that I have with this, is that I never received any notification from a collection agency for that amount in the last 5 years. In fact, I currently have a XXXX account but have not had XXXX in my name ( before the one I opened around XXXX or XXXX of this year ) since sometime around XXXX. I disputed the report with XXXX and they removed it immediately. Equifax has not removed it, I have not been able to contact the collection agency to have it removed but I do not think that it is acceptable to put a 5 year old debt back on to someones credit report with a new, more recent date!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
was opened on XXXX XXXX XXXX and closed in XXXX XXXX XXXX by XXXX credit card. This account was defaulted and was reported to IRS which i have paid off through my Tax filling. Now even though the account is closed and resolved. This account has continued to show on my record. This account should be removed from my record entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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:
I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from XXXX Equifax, and XXXX is that the accounts were verified and are correct. This is untrue as I have letters from the State of Maryland stating that the debts are satisfied and has been for over one year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seterus, Inc.
State: IL

Complaint narrative:
I negotiated a Deed in Lieu of Foreclosure with XXXX on XXXX for my property with XXXX XXXX XXXX handling the Deed in Lieu of Foreclosure ( DIL ) paperwork and completing the agreement as the law firm representing the mortgage company. Several months ago, a company called Seterus Inc. started sending me overdue mortgage collections notices for the property I had discharged in the DIL proceedings 4 years earlier. They also knocked my credit rating down over XXXX points by incorrectly reporting that I was over 180 days delinquent in paying my mortgage. They requested paperwork on the DIL agreement which has been sent 3 times now and they still continue to harass me by sending several collections requests per week via mail and continue to call me regarding this mortgage that we discharged in a DIL agreement over 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a judgment in a court of law in my favor against XXXX XXXX. Equifax and XXXX XXXX claim that this is still my debt although a judge has declared that it is not. The " investigation '' that equifax performed is inadequate and XXXX XXXX is not complying with the findings of the court. This case can be found online at the website for XXXX County Illinois. I do not understand how a bank and a credit bureau can defy a court judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have contacted all XXXX credit bureaus in reference to several accounts on my credit report it has now been over a year and still the items remain on my credit report and they have yet to respond to any attempts I have made in regards to the errors on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received an alert from Equifax that I had a new account reported from University XXXX XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX ( XXXX ) and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. Equifax has been notified that this is a fradulent account yet they have failed to remove it. I am undergoing a mortgage process and need this account off of my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute on XXXX XXXX. On XXXX XXXX I sent a follow up letter asking Equifax to remove the accounts in question that I disputed due to non-compliance which is mandated by the FCRA. On XXXX XXXX I received a letter from Equifax saying the accounts have been updated ( which is still inaccurate ). On XXXX XXXX I sent another letter asking them to please comply with the mandate set forth by the FCRA. Today I have yet to hear back from them. 

I have detailed records of all my letters along with certified postage and return receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted information to Equifax at which they failed to respond to my investigation request. I filed a civil lawsuit against them because under the FCRA they are required to respond to my request within 30 days. They never responded to my request. On XXXX/XXXX/2015 I was awarded a judgment against Equifax in the amount of XXXX. XXXX for the fine and XXXX for court cost. I have been unsuccessful with getting a resolution from the company on the phone. I spoke to someone on Tuesday XXXX/XXXX/2015 and they advised that they would call me back in 24hrs. As of today, I have not been called back. I find it unfair that Equifax add negative information on one 's credit report once they receive it, but when someone disputes the information, they fail to respond. I also find it unprofessional of them not to adhere to a judgment. I have uploaded all the documentation that showing my request for investigation on my credit report along with certified mail and documentation that was provided from the court and a copy of the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have XXXX tax lien via the state of Georgia on my Equifax credit report. I have attached documents that provide proof that the following should be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting my correct information with Equifax to dispute the inquiries on my credit report. In reviewing all ( XXXX ) agencies, I have a total of XXXX inquiries on my Equifax , but lessor amounts on XXXX and XXXX. I do not understand why I would have so many on XXXX report other than they were not approved. I am unable to use the dispute option online even with providing my proper and correct information as it is rejecting it. I have attached proof along with my dispute letter to Equifax. 
I have also provided proof of answering my security questions correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
filed chapter XX/XX/2014 credit first /firestone part of chapterXXXX creditor served still falsely showing open and 109 percent over limit. contacting Equifax twice to dispute it and Equifax failed to answer dispute or correct the errors doing damage to mine and my wife 's credit report which they added to my wife 's report almost a year later after the XX/XX/2014 chapter XXXX filing it seems obviously XXXX is intent on deliberately damaging our credit reports and Equifax is not working to resolve the matter I ask that they be made to remove this entry from both our credit reports if they can not be trusted to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX has reported to Equifax that we opened an new account. We have not opened any new mortgage account. Our mortgage was with XXXX/XXXX which dept is paid satisfied and paid in full. Which XXXX was faxed and mailed several time. An investigation into the matter was all ready done and XXXX was supposed to have been removed and blocked from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
An identify thief stole my information because my husband was hacked because he has a XXXX XXXX XXXX - along with about XXXX other families. XXXX incompetently ran my credit report for the thief. Thankfully, they did n't issue a card, but the inquiry hurt my credit score. I have asked EQUIFAX over a dozen times to remove the inquiry. They have also been asked by XXXX to do so numerous times. Equifax does n't answer the phone and their emails are spam, and they obviously do n't read their mail. They have made no attempt to help whatsoever. 

What is the fine for ruining my credit? My credit score was impacted, and this could potentially have created a higher rate on a car loan or other forms of credit. 

What are my rights and what can you do to make sure this does n't happen to others. Equifax should be fined at a minimum, but those fines should go to the people being impacted and ignored ... ..not to more government incompetence. This would n't have happened in the first place if people like XXXX would secure their servers .... 

Additionally, XXXX says it is their policy to run the credit report BEFORE verifying identity. This seems to be backwards. If this is an allowed policy, it should be changed immediately given that it is nearly impossible to get the inquiry, which negatively impacts your score, removed. 

After weekly calls to XXXX for over 2 months, they are saying that they ca n't find the proof that they sent the request without going to their archives for the fraudulent application. A person named XXXX is supposed to call back within 24 hours to get me their proof that they followed through ( like the other XXXX people who never called back before her ). 

I am copying my Congressman. Let 's see how this new XXXX works - I 'm interested as a tax payer to see this in action - and if it does n't work, it is a huge agency and we should shut it down. It certainly has been a disaster for the mortgage and title industries - let 's see how you do with credit reporting agencies. 

XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.

Complaint narrative:
My visa card company rejected a payment and I had a letter from them saying they had reduced my borrowing level to XXXX. When I rang them they told me that Equifax had a late payment on my credit report. I joined Equifax and discovered that someone had used my name and old address to take out a card with XXXX XXXX XXXX. I emailed XXXX XXXX XXXX and they told me that they had never had any account under my name. I contacted Equifax with this information disputing their false allegation on my credit report as I no longer lived at my old address and was n't living there when this card was taken out. Equifax told me to ring XXXX XXXX XXXX. XXXX then told me that indeed someone had fraudulently opened an account with them in my name and old address and promptly changed the address. The card was frozen and the account closed. All I had to do was request Equifax to contact them and the erroneous credit black mark would be expunged from my credit report. I did that but Equifax remained adamant that the identity theft would remain on my credit report. I am now making a complaint about this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There has been recent changes to my Equifax Credit Report, I requested for Equifax to send me a copy of my credit report so I can confirm the changes and that my credit report is reflecting accurate information. Equifax has failed to supply me a ud to date credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been advising my family and friends to obtain their annual credit reports and I have noticed that Equifax appears to routinely asks obscure or difficult questions in the challenge questions prior to obtaining the online credit reporting with the result that many of my friends and family are refused the online credit report and a must print out and mail a form with complicated identity forms required. This is a discouragement approach to minimize online credit reports provided to citizens. 

They also do not provide " Credit Scores '', which must be purchased separately. The annual reports should contain any and all information reported on citizens provided to others, period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I found accounts that were in collections and inquiries on my report that I did not authorize, had no knowledge of and did not belong to me. I contacted the FTC filled out an Identity theft affidavit and filed a police report. I placed a freeze with each credit bureau and started contacting the fraud department of each creditor. I sent my police report, letter from the police department, proof of identity, FTC affidavit to each creditor and the credit bureaus. XX/XX/XXXX all items were sent again to each credit bureau for all items and inquiries that I was still disputing. Equifax is refusing to remove information from a Creditor XXXX and inquiries stating because it is being validated as mine by the collection agency and the creditors, However when the collection agency XXXX was contacted they stated that they never received anything except the police report from the credit reporting agency. Equfax is allowing a creditor to validate a debt based off of information that was stolen from me, name, dob, ss and previous address that was in my wallet when stolen and information that they are sending to them like my current address.

Company response to consumer: Closed with explanation