vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I 've been disputing items on my EQUIFAX Credit Report for over a year. I 've submitted police reports and grand jury indictments which I also uploaded to your site. EQUIFAX has done nothing to delete the fraud information or place a block on the disputed accounts so that they 're no longer on my report. Both XXXX and XXXX XXXX immediately took action and removed the fraudulent information and blocked the fraud from ever reporting again. EQUIFAX has done nothing. Police report and Grand Jury Inductment were already uploaded on my past request, but I 've heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to refinance my property and the bank pulled a copy of my credit report from Equifax. In the report it shows I have XXXX public records " Judgements '' against me ''. I contacted XXXX XXXX Superior Court and forwarded the copy of court hearings I was involved with showing there is not a Judgement against me and forwarded a copy of actual minutes and certified orders and final rulings to Equifax. 
Although it shows both cases where dismissed and no Judgement was issued against me Equifax refuses to correct its records and remove the public records from my credit report. I have written to them and called them several times but they refuse to comply. I was even forced to become their member so they can discuss my case and was forced to pay several fees at the end they just took the money and did not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax keeps charging twice, reporting twice and hitting my reports and affecting my credit report twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
fcra clearly s says 7 years in general negative items must be remove to clear up my report thanx XXXX has not been clear off my report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Denied credit from XXXX. Called XXXX was told MISSING credit info from XXXX. Ordered Equifax credit report and all info missing from XXXX to present BLANK nothing. Applied for XXXX card died reason missing credit information. Called Equfax could do nothing but send me the report. sent me report and ALL INFO MISSING from XXXX to present. Disputed online 2 more times. No Response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
First let me be clear, I 'm I am not disputing that I own the account, I am disputing the amount owed reporting and the fact Equifax DOES NOT verify with the tradeline furnisher for each investigation. I am also building a on my case against Equifax ( see case XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Systems , LLC ) I Pulled my credit report this week and it only shows balance of {$620.00}. However I know for a fact that amount is not true. I have attached a screenshot showing that I paid an amount that cleared my account XX/XX/XXXX, therefore the amount showing as of today is incorrect and under FCRA this should be removed. This is the second time within a 30 day period this has happened. I have until XX/XX/XXXX to show cause as why I would like to proceed in continuing sue Equifax. This will be a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I an writing in regards to my credit balance with XXXX XXXX XXXX. I currently have a maximum credit limit available to me of {$800.00}, which I have owed over {$790.00}. However, I have paid this credit card down to {$280.00} and this amount has not been reported on my credit report. Therefore, my credit card utilization is incorrect and reflects inaccurate information ... which has reduced my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a judgment showing as open that should be showing paid. Student loans showing Open that should be showing paid. There are a lot of inaccuracies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to disputed Delinquent past or present credit obligations and excessive utilization of revolving credit and derogatory past

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am working to fix my credit and have been able to dispute charges on XXXX XXXX. XXXX has since removed all disputed charges but Equifax continues to report the charges. As of today XXXX/XXXX/2016, I have faxed over all requested information to Equifax a total of 3 times. I spoke to XXXX different CSR 's at Equifax and XXXX told me that my fax was not received, although I have the fax confirmation for both. Also, I disputed the charges via mail as per the " Fair Debt Collection Practices Act ''. XXXX of the letters were returned stating that the address for XXXX Solutions and XXXX XXXX XXXX, did not exist. This is why I disputed online. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a bankruptcy reporting on my credit report from XXXX that I have been dealing wit equifax wit for several months.I have wrote SEVERAL letters disputing this bk, On XXXX! XXXX XXXX I put A security freeze thur XXXX.They EQUIFAX said has since said on XXXX and yet again on XX/XX/XXXX.that they VERIFIED this Information using XXXX XXXX. On XXXX/XXXX/XXXX I contacted XXXX XXXX and spoke wit Agent XXXX # XXXX she said that Equifax " DID NOT '' VERIFIY any information using them because of my security freeze placed on XXXX/XXXX/XXXX. So therefore this Bk needs to be removed from credit report. Its also very shameful for Equifax to hurt people trying to do better,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: UT

Complaint narrative:
I kept getting calls from Kinum but did not receive any bills when I received my bill I did call them. XXXX is who identified himself and when I told him I do not have any source of income and that once I do I will pay the bill in full became aggressive, angry and began threatening legal ramifications and would not let me speak he kept saying the same thing over and over and then asked if I had a number of an attorney that I would want him to contact and that they would pursue me. He also started questioning how I paid the phone I was on and asked about other bills I had which I did not know they had that kind of information access. I have worked with and am working with other collection agencies such as XXXX recovery and XXXX and have never had such an awful experience. They were willing to work with me and to wait until I was able to make payments. 
People like this make me want to just file bankruptcy and not try and pay off my debt because if this is what you have to go through it 's extremely upsetting and had me on the verge of tears it was so abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have asked for Equifax to block fraudulent information and accounts from my credit file by filing XXXX online disputes and XXXX dispute by phone. Before submitting both online disputes, I made sure to attach my Identity Theft Affidavit that I printed from the Federal Trade Commission 's site and the Police Report that I filed with local law enforcement, outlining the fraudulent information and accounts. I also faxed all of the information to Equifax, with successful transmission, 9 times!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an inquiry on my credit report from XXXX XXXX XXXX XXXX. I have challenged this inquiry monthly for several months with the bureau and the creditor asking for the application because I do not recall authorizing this inquiry. No application has been provided in order for me to determine if this was an attempt at identity theft. Each month they send the exact same response saying they can not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was told that the information that I disputed was correct and when I asked for evidence of factual documents, none have been received from Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 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 have disputed inaccurate information with Equifax for over one year now, and they have not done a proper investigation into my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX I opened a mortgage with XXXX XXXX XXXX in the amount of {$320000.00}. Due to issues I had no control over, we had to let the house go into foreclosure. Our last payment was on XX/XX/XXXX the Trustee Sale was on XX/XX/XXXX per the XXXX County Recorders office. XXXX is falsely reporting to all XXXX credit bureau 's wrong information and I have been trying to have them fix this for the past several weeks and still has not been resolved. First, they are reporting to all XXXX credit bureau 's that this account is still open and as of XX/XX/XXXX I am XXXX days past due. Second, there is a discrepancy in the account number that all XXXX credit bureau 's have and what XXXX has. I am at the mercy of XXXX to fix this and it seems that the individuals that are in charge of reporting true and accurate information are incompetent. I am currently trying to refinance my current house to a lower interest rate which would save me approximately {$75000.00} in interest. Because of XXXX 's inability to report correct information I am not able to proceed with my refi. I have uploaded all the documents that I have received from XXXX to all XXXX credit bureau 's to have them correct these issues but they will not due so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed in prior disputes with Equifax concerning the Bankruptcy Case # XXXX was never discharged the discharge was waived. IT did not discharge and needs to be removed from the credit report. Equifax is not investigating what I am asking them to investigate they are just going by what they have in their system and that 's that. Even if what they have in their system is wrong. They 're blatant refusal to to make the correct changes as they are supposed to by law is very concerning to me. It needs to be rectified correctly and immediately. Please fix the problems correctly. I have attached the letter that I received from the bankruptcy court and I have also attached a copy of Equifax credit report showing the incorrect status and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was compromised. I receieved a letter from XXXX letting me know my was XXXX of the acccounts with identity theft. I am working along with XXXX to restore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The judgement was settled and dismissed and never should have been placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After numerous attempts to rectify this issue with both the company and credit report agencies, the final result is my credit report now has absolutely false information. This has just jeopardized my application to an apartment that I was attempting to move into by the end of the month. How can I be reported as 55 ninety day late payments, on an account that was open for approximately 6 months? As a Financial Advisor at a not for profit, I understand a phrase or XXXX being different but factual figures of what is " owed '' should be consistent. Further, how can someone be " late '' on an account that is open for 6 months, ( which equals roughly 180 days ) 55 times at a rate of 90 days each time? Did that get you confused too? That would mean I had a contract with them for roughly XXXX days. So that would mean I was late everyday for 3 years straight. Can someone please tell me with a straight face that this is fair? 
It seems this organization is maliciously attempting to sabotage my ability to access credit which may have stemmed from a previous attempt to rectify this account via the validation method allowed by NY State 's Fair Credit Reporting Act. Their actions if I am not mistaken, are a complete violation of this Act. I have attempted to work with all the companies involved to correct this situation but it only has gotten me in worst of a predicament. I am now in a position where I may not have a place to live since I have to now explain this situation, which I can not, to the apartment management company who has just seen this on my credit report this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
I mailed a check for my monthly Discover credit card payment on the day the bill arrived ( i.e. in plenty of time to reach Discover before the due date ). Because I am carrying a balance on the card, I am particularly meticulous about paying on time since they have the right to hike up the interest rate if the payment is late. I recall making the payment, and my checkbook contains an entry for the payment and a carbon copy of the check made out to Discover. 
Discover claims they never received my payment ( according to a letter they mailed me ). They billed me {$27.00} for late payment, and might increase my interest rate from the current 4.99 % to 17.99 % ( I have not received any notification of an interest rate change yet ). 
I have a 20 year history of *never* being late making a mortgage payment, or payment on either of my XXXX credit cards. 
The dollar amount of this complaint is so tiny that I am not asking you to spend any time trying to recover it - you have real crime to fight ; - ). However, I am wondering if Discover plays this game routinely ( pretending to lose payments ) so that they can charge fees and increase interest rates? I want you to know of my experience in case I am just one of many people experiencing the same issue with Discover. 

I also noticed in the complaint database ( thank you for the database! ) that other Discover card holders have been offered cash back on their Discover card if they sign up, only to find that when they are about to qualify for some cash back, the offer is rescinded. I had exactly this experience 20 years ago when I signed up for my Discover card. Because of this, I never used the card until just recently. I only used it about four months ago, and already I feel I am being scammed once again by Discover. 

Finally, I am now paying Discover electronically, and verifying each payment via a phone call to Discover immediately after making the payment. 

Thank you, and keep up the great work!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06 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: Rent Recovery Solutions
State: TX

Complaint narrative:
In XX/XX/2013 I was enrolled at the XXXX and inquired about a few apartment complexes. " XXXX '' happened to be one of the many apartments that I viewed as an option, I did provide them information to see if I met their qualifications as an applicant but I never signed a leasing agreement. On XX/XX/2013 I received an email from the property manager XXXX stating that I did not come to pick up my keys, I immediately contacted her for clarity because I only inquired about the apartment but never signed a lease. On XXXX/XXXX/2013 I received another email advising me that my account had become delinquent which I was flabbergasted by being that I contacted her after the first email to advise her that I was not a tenant at this apartment complex and never signed any documents. Again on XX/XX/2013 I received another email stating that my account was again past due, I called again down to the office and spoke with the property manager XXXX and she at this point offered me a settlement for 3 months of rent stating that she had sub-leased the apartment in XX/XX/XXXX. I of course declined her offer being that there was never a leasing agreement signed. I never heard anything back from her after asking for her to fax me a copy of said lease that I signed. This account has been added to my credit report and this is not a debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have had a Discover card since 1983. I have had to use this card in the past three years for various purchases. I noticed that even making my payments on time and paying just over the minimum, my balance did not seem to go down! At one point I had done a balance transfer to this card only to find out that one month my interest charge was more than my payment!! I cut up my card and sent it back to them. After several attempts to try and get my interest lowered, they wo n't even budge. Now, after making my payment, less than {$10.00} goes to the principal and my minimum payment keeps increasing!!!! I am never going to get this paid and it now has caused me financial issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I have been having multiple uses with Nissan/Infiniti Finance. They have reported multiple late 's on my credit report that were no accurate. They have removed XXXX of the incorrect items, but as of today they have falsely reported me again. I have reached out to their team once again, but each time they do this I have to spend weeks trying to correct. 

On XXXX XXXX 2015, I made a full payment and their bill matrix billing system did not give me full credit for my payment and again they marked me late. This is separate incident from the previously mentioned false reports, but nonetheless is another issue I have had to deal with. 

Their customer service team is extremely poor mannered and have absolutely no intention of every resolving any issue. I have had a Supervisor as me to provide evidence of payments made, after providing them with their requested information they still did n't fix the issue. 

In my opinion this is the worst leasing company I have every dealt with and I will never lease another product from XXXX or XXXX, period.

Company response to consumer: Closed with explanation