vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never had a loan with XXXX XXXX I do n't no who this account belong to. I have ask XXXX XXXX to validate this account many times and I also informed Equifax that XXXX XXXX has fail to validate under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I recently obtained a copy of my credit report from Equifax. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX and XXXX, I wrote to Equifax advising them of the unauthorized inquiry. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have spoken to several people at Equifax who have instructed me to send a police Report to have unauthorized Hard Inquires removed from my credit report. I have faxed over the documents multiple times and they still have not removed the unauthorized inquires. They have taken up hours of my time placed me on hold for 1 hour and 60 minutes or longer giving me the run around.. I spoke with XXXX NUMBER XXXX who told me my official Police Report was not acceptable yet it is an Actual approved Police Report. I spoke with XXXX - XXXX At Equifax who stated the same thing. XXXX - XXXX spoke to XXXX who then tells me she ca n't tell me who her supervisor is. At this point it has been 2 hours of me being on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I contacted equifax to put an alert on my credit about 4 weeks ago which is good for 90 days. I logged into XXXX and found my address was updated to an address I have never lived at in state I have never resided in. I would like to know what I can do to get the XXXX or XXXX fradulant accounts removed from my credit and what to do about finding the person who did this. I do have their address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Equitable Acceptance Corp
State: TX

Complaint narrative:
Student Advocates as well as equitable acceptance took money and did not pay on student loans. Stated that monthly payments were service fees. I spoke to federal student loan advisors and they stated that companies like this take money and never pay. I am now dealing directly with XXXX. and paying student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In 2011 my doctot 's office submitted a claim to XXXX XXXX for {$220.00}. This bill was an office error in coding to my insurance company and was resolved and paid in full by XXXX. I visited the doctors office accounting today and they show no balance due. I contacted XXXX XXXX be phone today and they show no balance owed. They said to contact Equifax and have it removed, as it was removed or recalled by my doctor 's office. I do not owe, nor have I ever owed this bill since 2011.

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 an unauthorized and fraudulent account with XXXX. The account or debt do not belong to me. The following unauthorized and fraudulent inquiries do not belong to me : XXXX, XXXX, XXXX and XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives for the unauthorized and fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Incorrect first name on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Result : XXXX 
Dispute Reason XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX COM XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with Equifax. 
Manage Your Collections Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
There is a collection account appearing on my Equifax credit report that the reporting agency has acknowledged to me is fraudulent and should not be associated with me. 

An earlier problem that I encountered in my attempt to resolve this issue was previously submitted to CFPB under Case Number XXXX. At that time, I was having problems getting Equifax to provide " a description of the procedure used to determine the accuracy and completeness of the information. '' As a result of that previous case number, I did receive that information. 

I then contacted XXXX XXXX XXXX, the company that was reporting this collection account to Equifax , to find out why they had this erroneous information on file. A summary of the interactions I had with XXXX can be found in the attached XXXX file. Note that it was established in my first call to XXXX that this was a fraudulent charge and that I then spent the next few days fruitlessly trying to complete their process to finish resolving this issue. When it became clear that phone calls were not going to resolve anything with them, I sent the referenced letter. I did receive one callback ( finally ) from XXXX on XXXX XXXX ; I was not home at the time, but returned the call at XXXX ( ET ) that day, once again leaving a message with all of my contact numbers and imploring them to please call be back. As of today, XXXX XXXX, I have not had any further contact from them. 

Meanwhile, I sent a letter to Equifax on the same day as I sent the letter to XXXX ; see the attached Equifax Statement.docx. This was to inform them that the collection account reported by XXXX was fraudulent and that I wanted them to add the statement contained within the letter to my credit file. In response to this, Equifax opened another dispute ( Confirmation Number XXXX ) and put a fraud alert on my account with them. The result of this reinvestigation was delivered today - see the Equifax Dispute XXXX XXXX XXXX XXXX screen shot of the first page of their report. Once again, Equifax is not acknowledging that this account is not mine and should not be listed on my credit report. In addition, the statement that I asked to be placed on my credit file is not there - the full reinvestigation results document included a version of my credit file as of XXXX XXXX, and the requested statement is nowhere to be found on it. [ Note : I did not submit the full document because it includes sensitive information like my SSN and, as a PDF file, is difficult to extract into another editable format that would allow deletion or redacting of the sensitive information. ] At this point, I feel like I have done everything I can to make this right with both XXXX and Equifax , but somehow it 's just not getting through, and would appreciate any assistance that CFPB could provide to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Tried disputing several times with Equifax. They wo n't take it off, and half the time their online dispute wo n't even work. Tried talking to a customer support guy about it and instead of addressing the issue, referred me to an article that had nothing to do with my problem and then disconnected on me. The XXXX accounts in question are the primary care partners ones, and I even attached proof that they were paid, which I will do so again. The document shows the credit card charge, which has the collection agencies account numer and phone number listed right there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2XXXX XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4.XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6XXXX ( XXXX ) This account was never verified 7XXXX ( XXXX ) This account was disputed and never verified pleae delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, The reason for this email is because I am seeking your help to correct a wrong information that Equifax is reporting. It says that our mortgage account with XXXX now XXXX XXXX, that was closed in XX/XX/2011, is past due of 120 days in the last 12 months. I am sending the cancellation letter, the settlement, and the Deed, as well as a history of the mortgage, for you to please review them since the delays reported are incorrect. I would like to express my appreciation and gratitude to you for taking the time to review these documents. 

Again, I pray that this error is corrected since is affecting us to acquire a new home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a public record on file that should be deleted based upon payment and statuteof limitation. Item : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I received a letter dated XXXX XXXX, 2015 from BB & T bank informing me that my " hazard insurance '' has expired and that BB & T plans to buy insurance on my property which I will be required to pay for. My property is, has been, and will be covered by a Homeowners policy which names the BB & T mortgage as being covered. This policy is paid by an automatic draft on my BB & T checking account and is and has been up-to-date. I contacted BB & T on XXXX XX/XX/2015 to inform them of their error and give them complete details of my insurance coverage of my mortgage ; and a follow up on XX/XX/XXXX2015. I have yet to hear anything from anyone at BB & T.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I paid a Best Buy credit card balance in XXXX ( amount XXXX ). Apparently this payment was received a day late. Then today XXXX XXXX, I receive a statement saying I owe XXXX in late fees and interest for not paying a XXXX initial late charge that was due apparently in early XXXX. I received no bill in the mail in XXXX and that did n't seem strange to me because I thought I had a XXXX balance. Now here is the issue. A XXXX late fee on a XXXX late payment is a 64.96 % late fee. This is not interest but usury! Now top that off with a XXXX late fee for not paying the XXXX bill ( which again I did not receive ) amounts to a 102 % late fee charge on the late fee. And this is legal?! It should n't be. Now the nice lady on the phone that heard my rant ( I did ask her how she could work for such a low life company ), was willing to remove the XXXX late fee on the late fee, which left me with a XXXX initial late fee to pay. I believe such a fee is immoral/and only describable as " greed ''. A {$10.00} late fee and the check would have been in the mail as soon as I knew I still owed anything ( which I remind you was TODAY, not sometime in late XXXX with a due date in XXXX ) but a nearly 65 % late fee. I 'm not taking it lying down. Irony : I just spent {$1400.00} at BB two weeks ago on a new computer. I am seriously considering carrying it right back in and asking for a refund. So BB you can take me for {$27.00} or I can return my {$1400.00} computer. You decide. Have a nice day.

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 monetary relief
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Bank home equity line provided the incorrect date of last payment. The date that they claim to be the last date of payment is XXXX XXXX. However, the last date of payment was actually XXXX XXXX. The date of last payment on the first mortgage was also XXXX XXXX. XXXX XXXX Bank is alleging that I continued to make payments after the final judgemnt of foreclosure on my first mortgage. The final judgement of foreclosure was XXXX XXXX, XXXX. My home was sold at auction on XXXX XXXX, XXXX. XXXX XXXX Bank was in second lein position as a home equity line. XXXX XXXX Bank has not provided any proof of their alleged date of last payment. I would like this case to be investigated and corrected. XXXX XXXX Bank has put a cloud on my credit and I am financially affected by their incorrect date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: GA

Complaint narrative:
I requested a copy of all XXXX national credit report and there was a hard inquiry on my credit by a third party credit reporting agency. I submitted a certified letter to Corelogic Credo/ Data, requesting a freeze on my credit report as well applied online making the same request in XXXX and to this date I still have not received a response from this third party credit reporting bureau.My certified mail tracking information is showing that this company has not even sign for my letter as of the mailing date on XXXX/XXXX/2017. I feel that hey are indeed trying to give me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
macys sent you and all XXXX credit reporting agencies a letter equifax has stated they verified all info and has put back 60 and 90 day late pays -- - you have the letter from XXXX saying they instructed the credit agencies to remove the delinquent payment history equifax has not done thishave written them sent them a copy of letter from macys but i guess there stupid people inclosed XXXX letter and credit report saying 60 and 90 day lates

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( Equifax , XXXX, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

The inquiries listed below must be removed no later than 4 business days : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 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:
About 3 weeks ago I tried to get my free annual credit reports. I received XXXX reports but, Equifax responded with the attached screen shot. I just had to fill out all of my information again and when I submitted the info I got the same message. If they ca n't even keep their web site working, how accurate is their information in my credit report. Incidentally, last year I was not able to get a report either????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
all XXXX credit bureaus reporting wrong XXXX have banks that accts were paid in full by insurance over XXXX yrs ago and XXXX yrs ago they charged off accts which is fraud and the other credit bureau has a bank in Virginia I never appled for and or had! all XXXX credit bureaus Equifax, XXXX and XXXX have errors as it has XXXX acct that is in error

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax agree on XXXX/XXXX/2014 to remove the account from XXXX XXXX XXXX and Simply XXXX. However when I checked my credit report last week this was still on my credit report as a collection. I have attached the case XXXX where they clearly stated this account would be removed.

Company response to consumer: Closed with explanation