vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Recently I was wrongfully denied credit for a mortgage. To my surprise, the mortgage company said that I had a poor credit rating. When I investigated this issue, I discovered that Citi Cards is not reporting my CitiBusiness credit card account to the credit reporting agencies. The account 's high credit limit does not contribute to my credit utilization score as it should. I have a few other cards whose combined credit limits are much less than this account. On these cards I had taken advantage of 0 % interest offers, so over XXXX % of their combined available credit are in use. 

Citi Cards ' failure to report this card to the credit bureaus has seriously damaged my credit profile. This interaction with my mortgage company was highly embarrassing and negatively impacted my lifestyle. Citi Cards ' failure to accurately report my credit information to the credit bureaus has damaged my reputation and my good credit standing. 

I have pursued this issue with XXXX, XXXX, and XXXX. They say there is nothing they can do to get a company to report to them regarding an account if the the company does n't want to. 

I have discussed this issue many times with Citi Cards, and they refuse to report this account to the credit bureaus. I have been told that the reason this card is n't automatically reported to the bureaus is that they consider it to be a business card. However, the legal entity which holds this account is not a business, but is my wife and I, personally. The card is in the name of my wife and me, and the tax ID associated with the account in Citi Cards ' own records is my own personal Social Security number, not the federal tax ID of any business. Because I hold this account personally, and not through any business entity, I believe that Citi Cards is obligated under law to report this account to the credit bureaus that report my personal credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is Public Record Information on my credit profiles that I feel is inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By Consumer Rights law I am entitled to know of the entity that has verified the information. This derogatory is holding my identity and credit under " XXXX XXXX '' for 10 years, where is that written as law, when there was not a satisfied action? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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:
XXXX XXXX XXXX a debt collector illegally obtained my private confidential non-public information, credit report and is reporting " XXXX '' fraudulent accounts, amount, and other information without consent. The XXXX fraudulent accounts bear the same fictitious account numbers with varying data. I have disputed these account three times with Equifax and three times with XXXX who is a debt collector, not a creditor. XXXX has failed to obtain verification of the alleged debt and validate the debt, much less an account. I disputed the alleged " debt '' being reported as a " account '' and XXXX XXXX XXXX via Equifax claims it verified the alleged debt. This is impossible as not all accounts are debts, and all debts are not accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: MD

Complaint narrative:
I have reported the information to the company. However, I did not receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Credco '' XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have paid this account in full and it is still hindering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To whom it may concern : I submitted a complaint to all XXXX credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 
I have attached my follow up letter to Equifax for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting XXXX XXXX, account number XXXX on my credit report. I am not familiar with this debt and this debt has been on my credit report since 2005, almost 11 years. I am asking Equifax to please remove the old debt. As I indicated I am not familiar nor have I ever paid on this account. This account says transferred and closed and their is not an account attached to this old debt. I am asking Equifax to again to please immediately remove this old debt of almost 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent Equifax XXXX separate letters regarding a collection account that is on my credit report. The collection agency has sent me a letter stating that the balance is {$0.00}. Equifax has a responsibility to the consumer to maintain accuracy and they have failed to do so. I 'm simply asking Equifax to remove this collection for it 's inaccuracies. Pursuant to the FCRA if there are any inaccurate holes with a collection agency 's reporting then the account has to be deleted. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a address on my credit report I never lived T

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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 not responding to my request 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 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax will not remove a dismissed Chapter XXXX bankruptcy filed XXXX/XXXX/XXXX and dismissed in XXXX from my report. 
Some history : I had good credit prior to my marriage in XXXX XXXX. I owned a home and was renting it out when I moved to XXXX, Oregon. In XXXX XXXX I learned that my husband was over {$65000.00} in credit card debt and his home was in forclosure. Because I was unemployed and could not afford my payments, I sold my home on XXXX, Oregon in XXXX in a short sale. In XXXX XXXX we consulted XXXX XXXX, to file a Chapter XXXX bankruptcy. I was working part-time and she said my name had to be on the petition in order to be eligible. Under duress, I agreed to include my name on the petition to avoid forclosure. 
I later learned that spouses do not have to file jointly to be eligible. The XXXX Court website which states " Married individuals must gather this information for their spouse regardless of whether they are filing a joint petition, separate individual petitions, or even if only XXXX spouse is filing. In a situation where only XXXX spouse files, the income and expenses of the non-filing spouse is required so that the court, the trustee and creditors can evaluate the household 's financial position. '' I left my husband in XXXX XXXX and moved back to XXXX. The divorce was final in XXXX XXXX. I started working in XXXX XXXX and have been paying my bills and rebuilding my credit. I 'm trying to purchase a home now and the bankruptcy is still on the Equifax report. 
The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, this record must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My problem is that credit reporting is used by companies to gouge consumers when they first request a service. In my case a service provider that has a monopoly in my city. I have been do business with this company for over ten years when I first went through them I had a co-signer so this was not an issue. But even though I have been a loyal customer with an account in the black through this entire period. A representative of this company called me and informed that because I have no credit history as reported by one of these credit checking services ; meaning I have never taken out a line of credit nor do I have a mortgage type payment exc .... I also do n't have bad credit meaning I have never filed for bankruptcy or let any of those credit lines I never had go in to the red to many times. This representative used the words " we do n't count the history you have had with our business, because we use credit checks ''. So you see my issue is not how the report was used, even though I feel that only industries that report on your credit history should be able to utilize it. My issue is that by this process being a thing it is destroying the customer to service provider relationship. How am I supposed to build loyalty with the companies I do business with if they want to charge me XXXX % of my monthly income just because I do n't have a credit card? 
Disregard any bubbles that I selected in the first portion. you do n't get to choose what issues people have with the service you provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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 refusing to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I filed for bankruptcy and it was discharged as of XXXX/XXXX/2015, my attorney XXXX XXXX sent all XXXX credit bureau 's a copy of the discharge. XXXX XXXX and XXXX has updated the information when I called to find out why Equifax was not updated on XXXX XXXX, 2015 a representative stated they did not receive my bankruptcy discharge, so I sent them a copy of mine. I called today XXXX/XXXX/2015 after looking and seeing that they still did not update my credit report the representative to me why do I want the bankruptcy on my report. I told her that it is suppose to be on my report for 10 years and all the balance dropped to XXXX. I then asked to speak with a manager and she hung up on me. I called my Attorney and she told me that what the representative told me was ridiculous. I called Equifax back and asked to speak with a manager again and the young man hung up on me. I then in turn called again and asked to speak with a manager and the young lady would not put me through to XXXX and said maybe she could help so I gave it a shot and told her what the issue was with my bankruptcy and the accounts still showing a balance and she told me that she see 's my bankruptcy paperwork and that they can not update the credit report because Delaware Bankruptcy court has to send them my discharge paperwork. Well I called the Bankruptcy court and they do not send the credit bureau 's the discharge paperwork. Though all this Equifax hung up on me XXXX while trying to speak with a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 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:
Lenders investigating my credit is lowering my credit score I think that 's unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
we were told it would be 7 years than it would come off out record. all but Equifax did come off. they told us 10 years, even the our lawyer told us 7 years his office process the bankrupty when we told him we did n't want to do it. 
why is XXXX agency report not the same when come to this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Having my credit checked found a XXXX account for a {$170.00}, got a hold of XXXX and they had no record of it filed complaint on the collection agency and XXXX to get it off my credit report.the collection agency called me last Friday to inform me that that account was with drawn from their company in XXXX 2012, and at that time they sent deletion requests letters to the credit bureaus to be taken off my credit report.Why was it not taken off 4 years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputes with : XXXX XXXX - Equifax # XXXX - XXXX XXXX and XXXX XXXX # XXXX. I 'd submitted complaints and disputes to all of them because it was irresponsible and no reason to XXXX XXXX to report me as " Consumer Deceased ''. It has caused me a lot of undescriptable headaches with possible and/or current creditors. The only thing that I got from my communications with every Credit Report Agency is that some of the has restored the credit score that went down to XXXX point. Still missing credit score with Equifax and XXXX because Equifax has not reported yet to XXXX XXXX and for XXXX I have to pay. I 'm alive and in good health except for issues due to my age. As a matter of fact, I talked to XXXX XXXX customer service agent XXXX, and he supposedly transfer me to a supervisor but the person never answer the call and it was dropped. I called again in english and the english speaking agent transfer me to XXXX who never answer. I decided not to continue calling. The XXXX XXXX account number is XXXX. My credit report with Equifax and XXXX still says " Consumer Deceased '' even though I talked to them and said, listen to me, I 'm alive, make the correction now. If, be the end of the week such information is not corrected, I 'll be contacting a lawyer. and take the necessary measures to resolve this in another way and/or place. I apologize if I sound rude but you can imagine how I feel. Somebody will pay for this horrible mistake. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have asked the credit reporting agencies XXXX Equifax to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, XXXX and Equifax are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will some one please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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:
My Equifax report dated XXXX/XXXX/2016 reflects a hard inquiry for a credit facility for which I DID NOT apply : XXXX / XXXX XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.

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 — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed this negative information XX/XX/2016 its has past the 30 days investigating therefore the XXXX Collections should be delete, my file number Confirmation XXXX # today date XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The account reporting XXXX XXXX is past the statute of limitations no verification or validation has been completed by Equifax. This item needs to be removed as this is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The mortgage and lease auto accounts were paid in full and no longer valid. Last reporting information needs to be reported with comments that these loans were paid as agree upon. 
The Tax Lein is close to XXXX years old and was paid off before it was submitted to collections. The public report needs to be removed from XXXX Credit Bureau immediately. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and all other medical collections were paid in full and should be removed from this credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief