vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
So ... ... I received an email yesterday from Navient saying that statement is ready so I took a look as saw that I owe {$500.00} for XX/XX/XXXX and XX/XX/XXXX even though my original state shows that my monthly payment are {$100.00}. The rep tells me that I reapplied for the IBR plan in XX/XX/XXXX and I 'm telling him no I did n't since I applied in XX/XX/XXXX, he said they have a signed application from and I sent them proof of my income which I remember doing but I thought it was from my original application so now my payments has gone up by {$150.00} even though I have an agreed term showing that my payments are set at {$100.00} until the end of 2016 and my income has NOT changes from last year and I get paid once a month. 
I CAN NOT afford {$250.00} a month and if I come off the IBR plan then my payments are {$200.00}, I asked him why the payments are lower off the plan and he said he was using some income table which mean he really does n't know how much my payment will be! I am trying to be a responsible grown up and clean up my credit and debt this year but Navient has got the wrong person this time so I will be paying what I agreed to until I receive the signed copy of my so called application from XX/XX/XXXX, these are slick and trying to get over on EVERYONE but not with me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing credit items with Equifax & XXXX for over a year now every month or so! I have never had a Mortgage with XXXX XXXX XXXX and there is no documentation proving this! I have asked numerous times to have this removed online and in writing! These credit reporting company 's have refused to provide the proof, there system is automated to send reply 's in there favor if information can not be provided. 
I had a Mortgage with XXXX XXXX loans!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
A hard inquire was made to equifax from a company called XXXX I disputed. equifax states that the information is correct and advises me to contact XXXX office to get more information .I contacted XXXX ( AKA ) XXXX they advised they had no record of the inquire and refuses to send me a letter of proof that i in fact did not authorize or request this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I went to my police station and got a police report just like Equifax told me to do and I sent them a copy and its been over 45 days and they still have not removed the item. The lady on the phone said when I sent her the info it would be gone in four days ; that was 45 days ago. As I have been researching on the internet a lot of people have had to file a complaint with this consumer financial protection bureau. Can you please look into this for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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 disputed with Equifax to no avail and they will not remove the accounts from my report. I have even sent my police report and also a letter from XXXX XXXX for removal of account. I am requesting them to remove XXXX XXXX and XXXX XXXX from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax reporting agency not reporting accurate updated information about my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I had an account with XXXX rental out was paid off but still coming up as a negative on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested that Equifax remove numerous address from my credit profile. They are not accurate or correct. They still continue to report these addresses. All the addresses they have listed as previous should be deleted and removed they are not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have XXXX hard inquires with equifax that does not belongs to me i have tried to contact equifax but they keep giving me the run around about these inquires the inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My XXXX account reflects my perfect payment history on my credit report however in the comments and status section it states that the account is charged off. I have disputed this account several times with the same outcome as verified as acurate or updated. How can a account have perfect history but be be a charged off account.? Documentation has been uploaded to support my claim please review and coreect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have XXXX new hard credit inquiries on my report from XXXX that I did not authorize. I contacted XXXX and they told me to dispute it with Equifax I disputed it with Equifax and all they did was say the report was factual. I did not authorize XXXX XXXX to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX am very frustrated with Equifax, I 'm trying to fix my credit report more than XXXX weeks ago, I send them social sec, drivers license, and utility bill, they confirm me the change of address and when I make a credit report update the old address appears again and every day I have to call and they tell me lies and I feel discriminated .They not fix my address and they made me split file from my credit report because they say this very long and then my new credit accounts do not report them because there is no space. That is not right, please help me to fix my credit report ..I have read many complaints about Equifax be doing split file to many people, please I want just one normal credit report with all my new credit accounts. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX in my credit file. Equifax responded to my complaint filed and stated that " The FCRA allows bankruptcy information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for 10 years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I went online to request my credit report due to adverse action. I went through the verifying screens and arrived at the place where I could access my report. A message on the screen indicated that I was not able to obtain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Equifax credit report is WRONG! My name is wrong, XXXX of the addresses is wrong ... Part of the report 's information is mine and the rest is someone else 's. I believe the Equifax mixed a portion of my information with a portion of another guys ' ... When I try to file dispute they keep telling me my information is wrong ... Of course it will be " wrong '' because they got my information wrong in the XXXX place. I have no other ways to dispute this but to file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$240.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am doing mortgage shopping. I applied for pre-approval at XXXX different places within 13 days and got hit hard by it. My score when down XXXX points. It was my understanding that they show as XXXX inquiry and does n't affect much but XXXX points?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX complaint On XXXX/XXXX/XXXX, XXXX EST, I faxed my SS Card, marriage licence and birth certificate. I have proved my identity, I EXPECT A RESOLUTION! I was also never notified by Equifax that I had to submit my ID before they 'resolved ' my complaint I got a rejection letter from Capital XXXX Auto XXXX XXXX dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in. 

***can not check Equifax credit online by answering the XXXX security questions as myself. Equifax has me confused with my sister in law, who has lived at the same address for overlapping times as me, XXXX XXXX XXXX. *****

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
the addresses is reporting incorrectly on my report i have no knowledge of these addresses other than my current residence. XXXX XXXX XXXX XXXX XXXX.this has been my address for 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed multiple times the incorrect information being reported for an installment loan from XXXX that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received a letter from US Office of Personnel Management stating I was a target of malicious cyber intrusion, therefore qualify for credit and identity monitoring services. 
I went to there website XXXX provided by ID Expert. I pulled up the XXXX credit bureaus report and noticed Equifax was once again reporting inaccurate information in regards to my credit to debit ratio. As of XXXX/XXXX/15 Equifax is reporting my revolving credit usage at 74 % which is inaccurate my revolving credit usage is currently at 50 %. Equifax is refusing to provide an explanation in regards to how they are coming up with 74 %. Both XXXX and XXXX XXXX are showing the correct figure 50 %. Equifax is showing my revolving credit limit at {$15000.00}, the correct revolving credit limit is {$22000.00}. 
Due to my race XXXX XXXX Equifax is purposely lowering my credit score by not reporting the correct credit to debit ratios. I have filed numerous complaints with your organization against Equifax in regards to this practice and to date CFPB is refusing to take action on behalf of the consumer and provide protection against Equifax discriminatory practices of intentionally lowering the credit scores of XXXX XXXX. 
Therefore, I will also have to file a complaint with the White House in regards to CFPB refusal to provide assistance to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account should not be on my credit report. Medical charges has been processed by my Medical Insurance. I have no regulation of this account. No XXXX Services. As a result, I have been gravely affected and my credit score is suffering. as a result of this account. There was no warning ever given, which is a violation of consumers rights. I am requesting that the charge be removed. 
XXXX {$260.00}

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: MD

Complaint narrative:
I have been a victim of identity theft and credit fraud for over 3-4 years now and during that time, I have seen my credit score go from XXXX to XXXX. I have written to the reporting agencies, Equifax , XXXX and XXXX, and to this day, my reports have not been restored. I have also filled several police reports. During that time, several fraudulent accounts were indeed removed but some still remain and my credit score do not reflect my true record. I am so frustrated with everything and need help. I do n't know what else to do or who go to. 
Please note that I have been denied credit on several occasions because of this and I have been embarrassed several times as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had an account with XXXX XXXX XXXX. I lost my job during the economic downturn in XXXX XXXX and my account because delinquent within a month or two. I did n't make any payments except ONE payment in XX/XX/XXXX. XXXX waited until XX/XX/XXXX to report this to the Credit Bureau instead of reporting this when the account first went delinquent. I 've submitted several disputes online and XXXX keeps claiming the dates are correct when they were n't because I was unemployed from XX/XX/XXXX to XXXX XXXX so there were no payments being made. Although this is scheduled to be removed from y credit report late this year, it 's unfair that this is continuing to hurt my score and get me higher rates when it should have already been deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint with Equifax regarding my account not being updated for XXXX XXXX. I requested either the company verify info or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a home.

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 — Information is not mine
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
i contacted Equifax online and filled out a dispute about a reported account in collections that is not mine. when i submitted the form they said they cant process it. they stated that i had loans out in the multiple choice questions which i checked 'none of the above '. i have never had loans out. they said that the information did n't match their records and prompted me to fax my drivers license. they did n't give the option to email a copy. im very tired of getting the run-around. attached are the disputed reports. the collection agency said to dispute it with Equifax.

Company response to consumer: Closed with explanation