vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have an account with XXXX XXXX out of XXXX, Ga. that has been in chapter XXXX bankruptcy since XX/XX/XXXX. I 've had several issues with XXXX reporting my account correctly to Equifax. First, XXXX continued to report the account as a charge off account. I 've spoke with XXXX and Equifax many times. The issue still is n't resolved after over a year of me filing complaints. Now, XXXX is reporting the account as a payment that 's past due also. I spoke with XXXX XXXX at XXXX about the issue on XXXX XXXX, XXXX. The account was included in the bankruptcy and had a starting balance of {$2600.00}. I now owe them about {$23.00} and I 've never missed a payment. I 've been dealing with this for over a year now. Equifax has been no help. All they tell me is to call the creditor. Farmers should be charged with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter to Equifax on XXXX XXXX, 2016 requesting to remove XXXX hard inquiries from my credit report. These were unauthorized and fraudulent credit inquiries under my credit report. 
On XXXX I received email with credit file : XXXX XXXX, 2016, Confirmation number : XXXX. There was the same exact responses for all the hard inquiries : Inquiries are a factual record of file access. I did n't get any proof of my signed authorization for these inquiries. I am requesting Equifax to remove these from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax questions about loans I 've taken out in XX/XX/XXXX and XX/XX/XXXX and I 've never had XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contract Equifax four over five month back and forth about credit report and the Inquiry on my report, some XXXX try to get credit in my name they ask me to put a fraud alert on my account I did, and they still gave out my inforamition, they told me to get a police report I did and they still will not remove the Inquiry from my account. All of The other Bureau accept the police report, I must say this is compay employees are rude, unprofessional, and liars, I was told they only way the Inquiry could be remove is with a police report. I compy they sent me a letter tell me it was factual, that what they told me when I was instructed get the police report. I written my congressman about this comapy and there and practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi, I previously wrote the CFPB about my 30 day late with XXXX. CFPB saw the problem contacted XXXX and had the problem resolved. My issue now is that Equifax refuses to update my credit report. XXXX corrected the issue, so did XXXX, but Equifax will not correct my XXXX account. They said that they never received the electronic form for correction. Attached to this email is all of my supporting documentation including the documentation from XXXX and CFPB. Again, Equifax has not and will correct my account. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Debt was paid off for XXXX. Debt was then put back on credit report after paid in full. Contacted XXXX who advised XXXX XXXX XXXX did not provide them any records of debt being paid off therefore I would need to pay account off before any services could be offered. I paid sprint my balance of XXXX. Was advised that XXXX XXXX XXXX no longer owns this debt. Disputed information with Equifax who advised this debt was valid but this in incorrect as 1. I did not pay them I paid the original creditor XXXX. 2. XXXX XXXX no longer owns this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements in XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the City Marshall. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is falsely reporting XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX as included in a Chapter XXXX bankruptcy. This is FALSE. Equifax has been repeatedly informed that this information is FALSE and it is now jeopardizing a home mortgage application. This is creating a huge liability for Equifax that I should think they would want to resolve immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Some in 2012 I begin a process of trying to pay off all credit so that I can begin the process of purchasing a home. I requested my Credit Report from all Credit Companies thru website Free Annual Report I review the report and begin paying them. I believe some on my credit report did belong to yes I disputed them certain items keep popping up with different account numbers but attach to my social security number. I would all XXXX companies the investigated for policy and procedures and make they following Federal Regulation regarding Credit Reporting and Credit Score and review their Computer system for accuracy and privacy guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX different Issues with Equifax concerning, XXXX different accounts with XXXX different companies : 1 ) I have XXXX accounts with ( creditor ) XXXX. The XXXX accounts were discharged via the Bankruptcy Court on XX/XX/2015. I disputed these accounts with Equifax and uploaded the Bankruptcy Order ( XXXX 2015 ). Equifax claim that they never received my dispute. Upon speaking with a Supervisor ( XX/XX/2015 XXXX at Equifax , she stated that they were using information from a dispute that I submitted in XX/XX/2015. I had not gotten a order from the Bankruptcy XXXX at that time. Equifax currently has the XXXX accounts listed as open, past due and in collections. 

2 ) Equifax has an account from ( creditor ) XXXX XXXX listed on my credit report. XXXX XXXX has removed the account from my credit report. I disputed this item. The account is currently still listed no my Equifax credit report. Upon speaking to an supervisor at Equifax , I was told that they were again using information that was submitted in a previous dispute that I filed. I told the supervisor that, XXXX had recently removed the account from my credit report. 
Equifax has refused to remove the accounts with XXXX and XXXX form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
its Equifax again. i had student loans with XXXX that i made a complaint with the CFPB a few months ago. After my complaint was finished with XXXX, they reported the corrections to the CRA 's XXXX and Equifax. i looked on my credit report a week later and both XXXX and EQ had updated with the correct info on my XXXX XXXX accounts. a month or so later i looked at my credit report again and XXXX had he same corrected information listed yet when i looked a my EQ report the old wrong information was reinserted back on my file. i called about this but nothing was done. Being a disabld veteran im continually exhausted with all the corrections i have to fight with EQ. they need to be fined or sued. ive called a few times, but always get overseas call center that do nothing. the XXXX XXXX accounts were updated because my student loans were forgiven. because of being XXXX. EQ needs to reinsrt the correct info on these accounts. the latest status is paid as agreed. Im sure i will get the runaround because EQ always does they will say that they will dispute with XXXX. im not disputing XXXX its EQUIFAX. EQUIFAX IS THE PROBLEM. IF THEY DO NOT CORRECT THIS IN TEN DAYS I WILL SUE THEM FOR CONTINUALLY REPORTING FALSE INFO THAT THEY KNOW IS INCORRECT. IM SICK OF IT!!!!!!! 

Also when you dispute an account with EQ they leave in the remarks that consumer disputes account resolution forever and never takes it off the report. So if you disputed something last year its still on your report as being disputed. this is problem when buying a house because the lender does not know if the account is being disputed or not. im trying to buy a house. EQUIFAX DOES NOT CARE THEY DO WHAT THEY WANT. THE OTHER CRA 'S ARE FINE BUT EQ IS ONE OF THE WORST COMPANIES IVE EVER DEALT WITH. i also have some documents to upload that shows the corrected report then back to the old wrong report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I purchased a home in XXXX and financed both the XXXX & XXXX loan through same lender. Home was foreclosed in XX/XX/XXXX. It appears lender wrote off any unpaid balance on XXXX lien but sold the XXXX lien to a collection agency that goes by the name of XXXX XXXX XXXX. 

XXXX XXXX XXXX is keeping the XXXX lien on my credit report as active and open loan. There has been no payments since XXXX XXXX. Collection on the debt is barred by the Statute of Limitation in Texas. I want the loan to show as closed and not as an open & active loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is ignoring my many requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Tax Lien being reported on my Equifax credit report should be removed as it is satisfied and was filed in error over 6 years ago. I have requested Equifax remove this information numerous times but they report that the Lien is valid, even though I have provided a copy of the XXXX XXXX XXXX document showing it is Satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I got a hard pull inquiry from XXXX on XXXX XXXX, 2016. I have not done ANY inquiries or applications since I opened my bank account at XXXX Bank in XXXX, 2016. I do not knoow where this hard pull is from. They took off a point for it. How do I get it off?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, the sale of my deceased mother 's house closed. My brother XXXX XXXX is executor and I, XXXX XXXX am co-executor. My signature is on all of the closing documents. On XX/XX/XXXX, eight months after closing, Rushmore Loan Management Services issued a check in the amount of {$4000.00} as overpayment of the loan payoff. The check was issued in the name of " The Estate of XXXX XXXX. '' All accounts in my mother 's name have been closed as she passed away on XX/XX/XXXX. Attempts to reopen them were unsuccessful. my brother spoke with Rushmore and requested that they reissue the check as " Estate of XXXX XXXX, XXXX XXXX as executor '' and Rushmore said to send in supporting documents and to return the check, which he did on XX/XX/XXXX. Rushmore subsequently changed the account to my deceased father 's name, XXXX XXXX on XX/XX/XXXX. He passed away on XX/XX/XXXX. On XX/XX/XXXX, Imy brother resubmitted all documentation electronically and Rushmore proceeded to change the account to my name XXXX XXXX I am my brothers successor. On a weekly basis, my brother has called Rushmore to no avail. He was referred to XXXX XXXX XXXX at phone number XXXX. He never returned any calls. On XX/XX/XXXX, my brother was referred to XXXX XXXX XXXX at XXXX. XXXX XXXX agreed that the documentation supported my brother being executor. He forwarded his notes to the appropriate department and told my brother to contact him at the end of the week. He has not returned his calls. My brother has contacted Rushmore five times since then to no avail. More than a month later nothing has been done, my name is still not on the account and nearly one year after closing on the sale of my mother 's house, Rushmore is still holding {$4000.00} that should have been dispersed to the estate. I, XXXX XXXX have contacted Rushmore as well on XX/XX/XXXX and XX/XX/XXXX and explained the situation in an attempt to get some resolution and was told " it is still an open task '' and they would escalate this. I was told again that an email would be sent to the appropriate department and that I would get a follow up call. I received no such calls. This is also what they told my brother three months ago. Due to the public nature of this complaint, I have not attached any files due to their sensitive nature but am more than willing to provide them at a later date, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Logged into AnnualCreditReport.com to get credit report. Chose Equifax. Clicked on the download PDF button. It brought up a screen that said it can not provide my credit report at this time and kicked me out of the system and would not allow me to view the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lionstone Holdings Group
State: TX

Complaint narrative:
Lion Stone Holdings Group has been leaving threatening voicemail messages on my home phone for 1 month. Threatening to sue, come to my home, and to escalate the case. ( file number was given ) A woman, XXXX XXXX, contacted me at work and wanted my SSN and birth date. Said she would show up at my home. 
I have no loans outstanding. Nothing shows up on my credit report. 4-5 years ago a payday loan was taken out in my name using identity theft. A Police report was filed then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I have been repeatedly contacted and my husband as well for a family members debt even though I told them NOT to contact me. I was told I was a reference even though I do not believe that to be true and told that it gave them the right to keep calling me. I also have been told that they were " agents '' working on a case against my relative. They call my husband cell phone and my house phone which I know for a fact have not been given to them and have been obtained through other sources such as skip trace ... or something similar. I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
I leased a car from GM financial about 6 months ago. I bought insurance on my phone through XXXX and thought I had full coverage. last week there was a vehicle that hit our parked car in front of my house and ran off. XXXX said I do not have full coverage. how did this happen? are n't you legally obligated to have full coverage on the lease? Why did GM financial not do anything about this? Why did XXXX not alert me that I was under covered? Who is at fault? Am I responsible for the {$10000.00} worth of damage from the hit and run? Does GM Financial have an insurance to cover this situation? Does Gap insurance cover this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX payment paid XXXX/XXXX/16. Santander reports payment XXXX59 days past due. Payment came out my account XXXX/XXXX/16. Santander reports no payment for XXXX in the historical account information section and XXXX59 days past due is the negative information reported. In addition, I made payment in XXXX for twice the amount of the monthly payment and Santander refuses to apply the payment correctly. This has happened twice in the past where the branch applies the payment Incorrectly. The branch told me to contact customer service and customer service refused to apply it correctly and refused to update my credit report. They only updated it to show I made XXXX 's payment after the first dispute but did not update over 30 days or historical account information to show XXXX payment. I request for Santander Bank to accurately report the correct information for XXXX/XXXX/16 payment to all XXXX bureaus since I have to bring this matter through Federal Trade Commission.

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 2015-10-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: MI

Complaint narrative:
Many years ago I had a payday loan online, it was paid many years ago ( four or five years ago ) and a company claiming to be collecting a debt has been calling my phone, and my family 's phone relentlessly. When I picked up, I informed the person calling that I had no unresolved or outstanding debts yet they continue to call me and my family. When I researched the number that was calling there were many webpages stating that this was a phishing scam, in which companies take your social security number from old aggregate/loan sites and claim you owe money that they can extort by making all of these awful phone calls. I have contacted the XXXX, the federal trade commission, the attorney general of my state and now the cfpb. I will continue filing complaints until the receive the proper cease and assist and follow up with legal action if necessary.

Company response to consumer: Closed with explanation