vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.

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 — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX, XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting inaccurate and incomplete information on my Credit Report. After the dispute process the results were as follows " account data updated ''. The most current reporting still reports information which is inaccurate and incomplete. 
The following is a list of incomplete and inaccurate information contained in the reporting of XXXX account XXXX. Account was reported opened on XXXX/XXXX/XXXX however there is no reporting prior to XXXX

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

Complaint narrative:
I have contacted Ally multiple times to address this credit reporting error of a car loan I had with them. I had originally purchased the vehicle through a dealership called XXXX XXXX of XXXX who financed it through XXXX. The financing through XXXX should have been through my company XXXX XXXX XXXX XXXX XXXX XXXX, but instead the finance manager inadvertently put down the Federal ID number belonging to XXXX XXXX Rental which was a company I had sold previously to buying and financing the vehicle. The new owners of XXXX XXXX had filed BK and it automatically showed up on this vehicle as being in a BK status. I spent countless hours to clear this up and you guys accepted all the payments in full for the vehicle but still continue to report a charged off vehicle on my credit report instead of always having on time payments. The only time I did not have on time payments, was when you guys would not accept payments because it was in BK status. I have contacted the credit bureaus to clear this up with you guys. I have contacted you guys personally. And I have contacted you guys through the CFPB with no response. I have attached the letter from the dealership admitting the mistake, and you guys still continue to report this incorrectly on my credit report. 

I am demanding a response and removal of this negative trade line on my credit report. It should state paid in full and on time, with no late payments. If this is not fixed in a timely manner, I have no other option but to pursue financial distress for all the damages you have caused. This credit issue has prevented me from financing new business loans and home ownership, costing me hundreds of thousands of dollars in earned income and interest. My interest rates are all high because of this negligent mistake. Please respond as soon as possible to prevent further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you because I am exhausted after several months of trying to deal with the credit bureaus on my own. Several unknown accounts appear on my credit as well as addresses, names and addresses. I filed a police report, filed a complaint with the FTC and I filled out a fraud affidavit and sent that information into the credit bureaus and it appears my case is being over looked or no one wants to help me. 
I have tried to contact Equifax in this regard for the past XXXX months and I have not received a response after sending them certified letters that contain my disputesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CO

Complaint narrative:
I paid off my student loan on XX/XX/2017. I logged in on XX/XX/2017 to ensure it was paid off and there was a balance of {$5.00} for unpaid interest. I called to explain this to aspire and was told I would have to pay it and they would not back date the interest to XX/XX/2017. I spoke to a rep as well as a manager. I finally offered to pay the balance via a credit card and they told me the minimum payment would be {$10.00}. I hung up and paid the balance because I was told they would not freeze interest while I submitted a complaint to them and would be responsible for daily interest accruing. My payment was made online. This is a scam had I not gone into check I would have accrued interest for who knows how long because their system is broken.

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 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to allow me to order my report by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied for a credit card with Citizens Bank online in order to balance transfer a higher rate card which I indicated at application that I possibly wanted to transfer {$3000.00} ( not knowing the amount I would be approved for. I was informed obtained a {$6000.00} credit limit 2 weeks later. I accessed the account online and attempted to complete the transfer and it indicated that it would need to be completed by phone. I called and completed the transfer with a rep there for {$5500.00} who did not inform me there was another transfer pending. I received a letter on XX/XX/XXXX that indicated that the additional {$3000.00} transfer had been attempted but would not be able to be completed as it exceeded the credit limit. I did n't remember the {$3000.00} initially but thought that this was going to be resolved by the company 's fail-safe precautions to which the letter was informing. Later I had received a call from the credit card company indicating that both transfers had completed and I was over {$2500.00} over my credit limit. I indicated that I had not authorized the additional {$3000.00} and wanted it reversed. This rep apologized, indicated he would reverse the transfer and indicated it would all be corrected. A week later I got another call and an email from my credit protection company ( XXXX ) indicating that my score had dropped XXXX points as a result of me going over my limit. I talked to a rep who explained that the second transfer was a result of the amount requested prior to approval and indicated that the whole situation was my fault even though the rep that initiated the second transfer had not indicated there was a transfer pending, the letter indicate there should have been a fail-safe preventing the transfer and that the later rep said he could reverse the transfer. I indicated that I wanted to file a complaint and possibly take legal action and wanted all transcripts of the 3 earlier contacts by phone. He said that he could no longer speak to me due to this action but indicated that I would be contacted by their complaint department within 48 hours. Did not happen. Called back and again was told that I would be contacted. I since reversed the {$3000.00} from the credit card that received the transfer ( XXXX XXXX XXXX ) but per XXXX no change to my credit report has happened. That was 2 weeks ago. I want to file a formal complaint. I want my all XXXX repositories contacted and informed of the accurate balance and that the {$3000.00} transfer was a mistake by Citizens Bank and that my report should not be negatively affected by the balance exceeding the credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 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:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to 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 am requesting 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 and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I live in Georgia and understand I am entitled to XXXX free reports from each credit reporting agency per year but have only requested XXXX from each agency this year. I tried requesting my free credit report from Equifax online at XXXX on XXXX/XXXX/15 and apparently answered some random questions about past accounts incorrectly and so then went through the process by phone by calling XXXX. At the end of the process the recording said I would receive my report within 15 days. That has not occurred. Last year I experienced the same issue and called Equifax. The person I spoke with at that time said there was no way he could check on the status of my report ; I had to do it thru the XXXX website. 
I did not find a way to check Equifax order status on that website or by phone. I still have not received my free credit report and have no way of knowing whether it was mailed or processed to begin with. That is a security issue since my report contains personal information. I have seen numerous other complaints about Equifax on your website about the same issue. My problem is a repeat of what happened last year. In the past I have NOT had similar problems with both XXXX and XXXX. 
Thank you for investigating this issue and facilitating my credit report being mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
A few months ago I had some issues with XXXX XXXX XXXX XXXX repporting XXXX delinquencies to the credit bureau. At the time it had affected my credit significantly since than negative reporting has been removed but my credit has never recovered since than. I have had XXXX XXXX remove an account reporting delinquent completely from the credit report only to be reported by a collection agency. That is incorrect. The last issue is that XXXX XXXX XXXX has falsely reported me for non payment and my insurance on the credit card made a payment for me towards the bill and XXXX XXXX XXXX is alleging that was applied as a credit and they are malesly reporting me for a 30 day 60 day and 90 day. all of which are incorrect. Ever since the XXXX XXXX XXXX XXXX issue my credit was never rescored.

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 — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I think that it is wrong/illegal for Equifax to list the same negative information on my report twice ; once as a public record ( bankruptcy ), and then again under negative accounts. Also, are they allowed to only report my credit history after my recent bankruptcy, as if I do n't have any other credit history, I have over 30 years of credit history, this affects the number of positive accounts that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed XXXX XXXX XXXX hard inquiries on my credit report. I received a letter stating that they would investigate and keep me informed of the status within 30 days. I received no updates. These inquires were from XXXX and XXXX. I have called Equifax on a few separate occasions and have been told there is nothing they can do to help me. I called XXXX XXXX and they promised to send a letter requesting the fraudulent inquiries be removed from my report. Still nothing has happened. There should only be XXXX hard inquiry on my Equifax report that is actually mine. There are now XXXX, which puts my status in the POOR area. Equifax refuses to remove the fraudulent inquiries. Do I have to bring a lawsuit against them in order to get them to remove the fraudulent inquiries?????

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

Complaint narrative:
I have a bankruptcy that should be removed do to the age of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I settled XXXX outsanding credit accounts that went into collection when I lost my job XX/XX/XXXX. I finally returned to work XX/XX/XXXX and began fixing. I settled with XXXX XXXX and XXXX XXXX Bank, both of which sent me settlement letters BEFORE I made the payments to verify the settlement reporting terms to the XXXX credit bureausI have attached for your review. 

For XXXX months now, I continue to dispute the status of these accounts as currently stated as " Charge Off '', which is not what I agreed to in their settlement letter. 
Correct Status for these accounts is " Paid - Settled, {$0.00} Balance " Nothing more, nothing lessEquaifax continues to show Charge Off, late payment, paid after charge charge, all comments that are not a part of the agreed settlement letter each stated they would report to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX XXXX I sent a dispute letter to Equifax certified mail asking them to send documentation and proof of debts belonging to me. Equifax received my certified letter on XXXX XXXX at XXXX after receiving my letter they provided no response and no proof of debts belonging to me. It is now XXXX XXXX, 2015 and the debts are still unverified and have still not been removed for my credit files. Under section XXXX ( a ) ( XXXX ) ( A ) ( I ) they have not provided me with documentation of accuracy of the disputed accounts and all items should be removed immediately. I am asking that they honor FCRA 15 U.S.C. 168li, and remove all unverified account immediately other wise they a continuing to report unverified debts on my credit reports. Attached I provided the dispute letter I sent and the certified tracking card from USPS tracking number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In XXXX we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has been reporting mortgage loans from XXXX and XXXX with XXXX digits that are not mine. These loans were unilaterally created by XXXX and XXXX in XXXX 2011 thru XXXX 2011 and reported these loans as new loans applied for by me. they reported these loans the same way to XXXX and XXXX. none of these mortgage loans are mine and I never applied for them and never settled on them. they are new orginated loans unilaterally by XXXX with illegal account numbers that are not compliant with federal reserve regulations or XXXX practice in the banking industry. the only time that consumer protection laws and XXXX regulations allow for XXXX digits to be used for mortgage loans is for internal reporting and computer data storage only. not only is Equifax violating the FCRA but also colluding with XXXX bank and XXXX allegedly to report false mortgage loans while these loans have never been settled and have no loan docs for them attached is my attorneys second letter to Equifax that is stonewalling me on this issue. in addition the report shows that Equifax is making hard inquiries on my credit from their mortgage services company which I never applied to for anything which lowers my credit score significantly besides the false information about mortgage loans and reporting that I applied for these loans which I did not. Equifax is also in violation of their agreement with XXXX partner New York State Attorney General 's settlement agreement with Equifax that they will not continue to maintain false information on anyone 's credit file XXXX they continue to do this without impunity or enforcement or fines from any financial regulator or the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have recently this year received numerous emails from Spam senders and even XXXX of my own Credit Card accounts alerting me that my credit score has changed with XXXX, Equifax. I have not opened or been late with any accounts. I pay on time and either the balance in full or more than the minimum payment. I am unsure why my credit score keeps changing MONTHLY!! Please help me, I do not know if this is legit or not and seem to have no control of when this is happening.. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
not able to get Equifax report are XXXX repot there are XXXX credit card on my name XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I obtained a copy of my credit report after seeing my credit score drop sharply. I found XXXX charges totaling over {$200.00} on a card that I never use and a past-due statement, which I never received. Called the bank and discovered the XXXX charges were both from out-of-state. The thief may have stolen unforwarded mail containing an updated credit card, as the bank did not have my current address on file ( even though I had left a forwarding address ).

Company response to consumer: Closed with explanation