vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX ; Equifax has been harassing me and showing careless lack of concerns.Now I am at the point that I need your help to report this to the senator of my state. I asked Equifax for they ( Vice President ) Name/Numeber/Address and Email. They refused, also used in subordination towards me. I have filed several complaints before this point with them. No response has been giving ; leaving me to believe that they did n't report nor submit all my complaints:XXXX-of them! I spent my money mailing, faxing and sharing my personal information. By law they was suppose to remove a 7 year inquiry. Keep in mind I feel I have a lawsuit on my hands being the victim, because I was incarserated and I did not authorize nor request any fradulent activities that are on my account. Please take charge to handle procedures and civil constitution rights of a victim of unessary identity theft. I have names/dates/times that I was harass by Equifax. 

Note : My XXXX experience with Equifax has been prolong and critize and ridicule as a victim to be a mockery, maybe it 's Equifax who submitted and wide openly shared my personal information to have my file corrupted! 
Euifax is full of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I discovered an error on my credit report an address does not belong to me, I 'd disputed the item in question via online. Equifax required that i need to send a copy of the following documents : Driver 's License, SS #, Utility Bill, so I did send the requested documents. 30 days later The item in question has been deleted, on XX/XX/XXXX I check my credit again via XXXX XXXX, again the address XXXX XXXX XXXX , XXXX GA is reinserted on my credit file information. I contacted Equifax via the telephone my call was forwarded to the call center, .the agent assisted me in disputing the item in question for the second time. Finally on XX/XX/XXXX I received a letter from Equifax confirmation # XXXX that the address that does n't belong to me has been deleted ( see attached ). On XX/XX/XXXX I check my credit.again via XXXX XXXX as always, sure enough here we go again the address that does n't belong to me is reinserted for the third times! I never live on this address for some reason Equifax insisted placing it back on my credit file information. Someone is providing Equifax with this incorrect address I repeatedly told them about the item in question. In addition there 's a consumer statement on my file that i did n't write or requested to add.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
sent in an identity theft affidavit ( certified ) and still have been ignored. Equifax did not produce any physical documents in re to the fraudulent accounts/inquiries 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 ACCOUNTS XXXX XXXX MORTGAGE XXXX XXXX XXXX BANK XXXX XXXX

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

Complaint narrative:
I disputed with XXXX a XXXX XXXX XXXX account that appears in my credit file. I believe that the balance reported is incorrect. I believe that this account was paid and closed. I requested to Equifax to mail to me the account-level documentation used to confirm the accuracy of the information. For example, a signed contract, the terms of the contract, purchase and payment history, as well as the method used to compute the interest, fees and other charges applied to this account on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I currently use XXXX to monitor my credit. Recently noticed drastic decreases in my score based on claims of " maxed credit cards. '' I have XXXX credit cards with a total of {$27000.00} in available credit. Total for all for cards is {$14000.00} = 53 %. The card amounts are as follows : XXXX : {$8700.00} with {$14000.00} credit ( 60 % ) XXXX {$2600.00} with {$4500.00} credit ( 59 % ) XXXX XXXX {$2400.00} with {$6500.00} credit ( 38 % ) XXXX {$410.00} with {$2300.00} credit ( 18 % ) This represents a clear falsification of my information by XXXX of the credit bureaus, Equifax and XXXX who dropped my credit in XXXX month from XXXX to XXXX and XXXX respectively. This impacts my ability to purchase a home as well as impacts my ability to achieve a lower interest rate. The impact may be several thousands of dollars which I feel they are liable for due to the false information submitted by the XXXX reporting agencies. 

I have complained in the past regarding their sudden changes to down grade accounts and substantially slower times in increasing rates even after sustained consistent good credit management. Please take the necessary action to require them to increase the scores. This may be a potential for class action suit as I am sure I am not the only person experiencing these false reports to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Wondering how to get historical record of any dispute ( s ) filed pertinent to my having initiated one several years ago with a credit_monitor but not communicated confirmation of progress, that apparently only got swept under-the-carpet until after subscription to said 'protection ' had expired. Belief is also that XXXX. applied a fraud alert which was not released prior to disconnecting service, due to my latter inability to respond correctly to identity proof contests and subsequent loss of all online access to all XXXX scoreless credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I just became a XXXX resident and obtained my social security number XX/XX/XXXX. I have been having such a hard time everywhere with my credit because it shows I have cars and other items since XX/XX/XXXX. This information is not correct is not me and I already went to the social security office and they said only my name is under that social security number. what else can I do? I ordering a credit report and they tell me no because my personal information does n't match my social security number. But I have all proofs is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Banks that listed that I have n't banked with open mortgage loan in a different state that I never lived in accounts opens to different store that are charged under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
All the issues on my credit report have been taken care of and they still show on my report. I have no outstanding debts or judgements! They still show on my report and also show that I am applying for credit which I am not. I have closing statements and escrow that can send for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting an account that was previously deleted from my credit report from XXXX, and sold to XXXX XXXX. and they started reporting the account on my credit report without sending out any notices in writing as required under FCRA and FDCPA. I have disputed these alleged account several times alone with documentation showing that this account was previous deleted from my credit report. I contacted XXXX to request verification of the debt after I saw it on my credit report and asked them why they did n't notify me before they placed these alleged accounts on my credit reports. I have documentation that shows a zero balance from another company that had these alleged accounts. I want these alleged accounts removed and not resold to another collection company so it can be placed back on my credit report. The Collection company is also in violation of changing the dates of these alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There were XXXX items that still appear on my credit reports after receiving confirmation that they were deleted. I received confirmation that these items have been deleted as well and they still are appearing inaccurately on my report. It is also a violation of the FCRA to re insert items previously deleted without notifying me within 5 days of its reinsertion. I demand that these items be deleted before proceeding. 

I have attached the deletions record from you as well as my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
there are several acoounts to whichi have no ideazn of the balance or company name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a loan financed through XXXX XX/XX/2015 but the car had a number of issues and I tried to return the car but the dealership did n't want to give me my money back. I tried to take it back prior to 30 days but to no avail. I refused to make the payment and knew that they would pick it up then and they did pick it up around XX/XX/XXXX ( 10 days after payment due ) at about XXXX some XXXX man beat incessantly on my door and demanded the keys and for me to remove anything that I had out of the car. I immediately cancelled the insurance and the registration with the DMV and XXXX XXXX XXXX. I expected to see a rep on my credit report and I would have been able to get another car but the finance company keeps reporting that there is an open loan and that it is current making it impossible for me to get a car loan. I have tried since XX/XX/2015 ( date I first learned of open loan ) and every month since. XXXX XXXX has been contacted several times and keep giving me the run around and the last time i contacted them was on XX/XX/XXXX and was told that the loan never funded and to contact the dealership. I am getting the runaround from both XXXX and XXXX XXXX XXXX in XXXX, Georgia. Lastly, Equifax is equally as complicit as XXXX and XXXX XXXX XXXX as they have perpetuated a lie by claiming that they verified with the source and that it is correct. The address of the creditor is n't even correct so I know they have n't contacted anyone. I also know that they profit from negative information so it is in their best interest to continue to promote this deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX and Equifax both are telling me that I need to furnish proof of my identity in mail in order to view my free annual report. I have gone through this exact process before by both of these bureaus in XXXX 2013 and despite sending them both a driver 's license photo and a piece of government mail with the address on the letter, they still do not recognize me. XXXX had no problems. Obviously the other XXXX bureaus are very mistaken about me. This is leading to tremendous problems and is repeatedly been an issue when attempting to open lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
One of the issues on my credit report is apparently a junk debt buyer sued me for a debt that is not mine. Now he has placed a judgement on my record through XXXX XXXX XXXX XXXX. A default judgement. I ca n't even get enough credit to buy out my lease on my car. I do n't know how to fight those guys. Also, there is a judgement that was satisfied that belongs to a family member with a similar name. Then there are several addresses and phone numbers that I have NEVER HAD! I 'm frantic!! I have tried to dispute the info, but if I do n't give the answers that are supposedly mine, I ca n't even file it. What should I do? This is so horrible. 30 years ago I was a victim of identity theft and it 's still coming at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I have sent XXXX certified letters to XXXX requesting validation of the debt that they claim I owe and have STILL not received a response. The XXXX letter was signed for on XXXX/XXXX/2016 with no response. The XXXX was signed for on XXXX/XXXX/2016 with no response. I have not received validation for this debt nor has the company placed a consumer dispute comment on my credit report within 30 days of receiving any of my letters. This company is in violation of the FCRA. I have attached all letters that I have sent along with the certified letter receipt ; It has been four months with no response with validation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
Rent Recovery Solutions is falsely placing an eviction on my credit report. This creditor is stating that its accurate in which its not. I never stayed in this location, never signed a lease. I did apply for the apartment but decided not to sign the contract. I have an illegal evcition from this company and I never went to court or signed a contract. I want this removed immediately off my report as its harming me and my family. I can not get an apartment due to this. I never had any type of evictions on my report. I called this debt collector multiple times and they keep passing me around. The person handling my case is n't even returning my calls. This item should have never been on any of my credit reports. I 've been passed around NUMEROUS of times this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK
State: AL

Complaint narrative:
I have 3 loans with Discover Student Loans and I have requested a lower payment, but they have said it is not possible to do before the charge off date of the loans. They are not willing to allow me to make a lower payment at this time in order to provide me with time to avoid charge off. At this point, they are forcing me to only move toward charge off of the loans because of their refusal to provide options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
I carry a 0 % balance transfer ( {$3800.00} ) with my Discover credit card. I have additional credit available on the same card. The minimum payment for this billing period ( XXXX/XXXX/17 to XXXX/XXXX/17 ) was {$110.00}. 
I used the card for new purchases totaling {$440.00} between XXXX/XXXX/2017 and XXXX/XXXX/2017. Before the due date of XXXX/XXXX/2017, I made a payment of {$110.00} XXXX XXXX/XXXX/2017 which cover the minimum payment of {$110.00} and therefore the 0 % on the {$3800.00} as well as an additional payment of {$500.00} on XXXX/XXXX/2017 that more than covers my new purchases of {$440.00}. Despite paying the full balance on the new purchases and also paying the minimum required to cover the balance with the 0 % interest, Discover charged me {$4.00} of interest charges which not only they could not explain which amount was subject to the interest ( there should be none since the new purchases were fully covered by my payments ). Discover 's practice appear to be illegal and not in line with common practices within the industry. They also can not explain what balance they are applying an interest charge on when I pay the new purchases balance in full and also cover the minimum required payment for the 0 % balance. They also stated ( the supervisor I spoke with ) that it is at their discretion to apply my payments to any portion of the balance as they see fit. I then called XXXX of my other credit card providers and as I suspected, they explained to me that if I pay the minimum required for the zero percent transfer balance and then pay the entire balance of any new purchases on the same billing period then I should not and would not be charged interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
I opened my Discover account under a promotion they were offering to receive {$300.00} cashback for signing up with them before XXXX XXXX, 2015. I opened my account on XXXX XXXX, 2015 and deposited {$250.00} at that time. The terms of the offer were as follows : Open to current Discover credit cardmembers or deposit customers, excluding current or previous XXXX XXXX customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code BonusXXXX ; and 2 ) at least two Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. 
I did have a Discover Savings account, set up direct desposit in the amount of {$250.00}. The first direct desposit was processed XXXX XXXX, 2015 ; the second was processed XXXX XXXX, 2015. This was well within the 90 day requirement. It has been well over 30 days since meeting this and I have yet to receive my {$300.00} cashback bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have XXXX loans through Discover Student Loans which I took out for my XXXX education. Over the past few months I have called to let Discover know that I am returning to XXXX status, starting an XXXX program. On each call I have received different instructions about the process for getting my loans deferred. To err on the side of caution, I submitted proof of enrollment online on XX/XX/XXXX. I recently received a letter back in the mail claiming that my request did not " meet their requirements ''. They list an arbitrary, onerous set of conditions for exactly how the letter from the school must be formatted and what it must contain. This process is, prima facie, an obstruction of consumer rights. I am attending a worldwide renowed, top-XXXX business school, and it does not offer a letter of proof of enrollment meeting their baseless criteria. Since their phone support techs have been misleading and offered contradictory information repeatedly in the past, and Discover is trying to obstruct my contractual and legal right to a deferment, I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
I cosigned for a credit card with a {$300.00} limit for my daughter when she XXXX 17 years ago. She got married 15 years ago and called Discover to remove my name and change the card to her new married name since she had established good credit. She later moved into a new home and called to change her address with Discover. I never received any more credit cards, letters or phone calls from Discover in the last 14 years about that account so we assumed they removed my name from the account as she requested. She continued to get correspondence and replacement cards in her name only at her new address but nothing came in my name which I believes proves I had been removed from the account as she requested. Now I got a letter from one of my banks saying there is a Charge Off on my 38 year perfect credit rating for an account I had been removed from 14 years ago. My daughter is going through debt consolidation and the consolidation company had no idea there was a consignor on that account either. Discover never contacted me to tell me that I was associated with an account about to go into default. I have my own account with them in perfect standing so my contact information was readily available. I have lived at my current address 53 years so it 's not hard to find me. When I contacted Discover their response was they only contact the primary card holder. I told them I had a credit card with my name on it when the account was opened but when it expired 3 years later, none was ever received in my name either at my address or my daughters address again proving I was off that account. Discover could not answer why I never received a replacement credit card since the account was opened yet they are saying this is listed as a joint account. We have run a family construction business for 29 years and our credit rating is imperative to continue getting lines of credit jeopardizing the jobs of XXXX workers.

Company response to consumer: Closed with non-monetary relief