vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I signed up for a checking account during a Discover Bank Checking promotion where they offered a {$300.00} Bonus when you open a Free CashBack Checking account with direct deposit. Discover 's own terms stated that to receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; I opened my checking account on XXXX/XXXX/XXXX. 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. I had XXXX direct deposit payments completed with {$300.00} each on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This falls within the time period of 90 days since the opening of the account. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Today 's date is XXXX/XXXX/XXXX and it has been more than 30 days since the requirements have been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX, I applied for BBVA Compass XXXX XXXX XXXX ( XXXX ) Card and to my dismay received a message that said " Your application for a BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card has been received and is currently under review. A BBVA Compass Customer Service representative will contact you soon to complete your application. If you have any questions, please call our Customer Service team at XXXX ( XXXX ). Please reference Application ID XXXX. '' I promptly contacted BBVA Compass by phone on XX/XX/XXXX and XX/XX/XXXX about my request for a new credit card product from the bank and was told it is pending review. I have been a banking customer with BBVA Compass since XX/XX/XXXX, I have a checking, savings, line of credit and an existing credit card account still active with the bank. The reason for this complaint is that, I have been lied to by BBVA Compass on my recent request, they are participating in a deceptive practice with their banking products. They have provided me an erroneous excuse as to why I could not be approved for the XXXX XXXX XXXX ( XXXX ) Card. They indicate on the denial letter that they were unable to verify my identity, however they have not done their due diligence to verify it was I that was making this request rather I have been proactive in contacting them and proving to them my identity. I have recently reviewed my credit file and found that BBVA Compass requested my credit report from XXXX on XX/XX/XXXX and has placed a hard inquiry. Since BBVA Compass is claiming the reason they could not approve my credit request is because of their incompetence in verifying my identity, I would need this erroneous hard inquiry on my XXXX Credit Report removed within 30 calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On my Equifax credit report, there is a OPEN collections under the collection agency name XXXX. It is to XXXX in the amount of {$230.00}. I had already paid off this collection years ago and there is proof of it under a closed collection file name XXXX XXXX XXXX. It shows it is also XXXX, but in the amount of {$230.00}. I want Equifax to fix the errors so it doesnt show up unpaid on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed this company with XXXX and Equifax. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. Equifax and XXXX is the only XXXX still have this on my credit report. Equifax and XXXX are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX XXXX XXXX XXXX # XXXX unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed with Equifax several times about inaccurate reporting of " XXXX XXXX XXXX XXXX '' for missed payments which is already being reported by " XXXX Bank Student '' Loan. The 120 day lateness was for 4 months ( XXXX XXXX XX/XX/XXXX ). I 'm being penalized twice for each lateness due to the duplicate reporting on the same loan and time frame XXXX double jeopardy ). Results came back quick each time as verified yet it was not thoroughly investigated with the creditors. After XXXX of the disputes, the balance on the XXXX account was altered to make it seem as though they are different. I have attached pages from my credit reporting updates on XXXX different weeks showing both accounts for comparison. There is no way I can owe both creditors at the same time for the same loan. The lateness occurred at the start of the loan when it was transferred and due to the ambiguity of who 's my creditor, the lateness should then be deleted. 

And if they are both the same company, it 's unlawful for the negative duplicate reporting with a balance. On XXXX XXXX is only listed but whenever I dispute the XXXX account on Equifax, the company goes back and somehow the XXXX account on XXXX is updated too with the same information plus dispute notes added. After XXXX dispute, they even had my payments altered to show 120 Days late in XX/XX/XXXX which was incorrect ( please see attached ). Any other XXXX Loans I have on my account is closed/transferred so something is n't valid. 

This loan is cosigned by mother who also has negative reporting on her credit report that contradicts the dispute results as well ( please see attached ). XXXX is only listed on her XXXX. Both accounts are duplicate reporting on her Equifax and XXXX. However on XXXX XXXX is closed but they updated the closed account to show random lateness. 

Please investigate this matter because I do n't believe the creditors have any accurate records so I do n't know what the Credit Bureau is verifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
Seterus Mortgage purchased my loan from another company. I issued XXXX different checks to have applied to pay off the loan. They applied them incorrectly and then reported to the credit bureaus that I was late {$7.00} for a couple of months. I did n't know about this until my car insurance went up dramatically, and after several months of asking Seterus to resolve the problem with the reporting, I was told that it had been cleared. Only to find out from my XXXX XXXX FICO score that due to Seterus incorrectly reporting to the credit bureaus, my FICO score of XXXX is now at XXXX & I worked very hard to maintain a high FICO score. I believe that Seterus needs to be aware of how they can ruin peoples life. 
I am now trying to find out how do I get my FICO score back where it has always been. The low FICO score has been since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 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:
On XXXX/XXXX/2016 I disputed a collection account on my Equifax file on XXXX/XXXX/2016 I got a letter from Equifax dated XXXX/XXXX/2016 stating their investigation was finished and the results are that the account was verified and that additional information was provided. On XXXX/XXXX/2016 I received a letter from the collection agency stating they could not verify the account right now and that they need more time. Equifax has violated my rights and falsely verified a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
XXXX BANK SOLD MY LOAN TO SETERUS MORTGAGE WITHOUT GIVEN ME NOTICE. I AM FACING A HARDSHIP SOMEONE AT SETERUS, STATED TO US WE CAN FILLOUT BORROWER ASSISTANCE FORM, BUT ITS A DOUBT I WILL RECEVE ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am only trying to obtain my free annual credit report and each XXXX of the questions did not pertain to anything I 've ever done in the past. I have never had a mortgage/ loan for a home. I am concerned that I 've had some kind of identity theft and this concerns me as we are trying to apply for an FHA loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Original dispute XXXX regarding collections with XXXX for incorrect balance. Then paid balance in full on XXXX and issued for deletion. DUPLICATE account placed on my report and issued reinvestigation XXXX. Follow up XXXX. DUPLICATE removed XXXX. But original disputed account still remained. Reinvestigation still in process today XXXX - dispute # XXXX. Been receiving emails that dispute resolved but no letter or information on resolve. Spoke with representative XXXX and today XXXX and advised by phone call still no resolve to investigation. Both representatives issued NEW complaints with ANOTHER 30 day wait. Cycle continues. XXXX have issued for removal as well but still no changes. Latest investigation # today XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had a student loan from XXXX XXXX from XX/XX/XXXX. This loan is paid off and closed on XX/XX/XXXX. There was no late on this account. XXXX and XXXX never reported any late for this account.But on Equifax file a 150 days late showing XX/XX/XXXX.The previous 4 months starting from XX/XX/XXXX- XX/XX/XXXX, it shows no late.All of of sudden a late of 150 days showing for XX/XX/XXXX.If a student loan is late for more than 120 day, it goes into default status but in this case there was no default reported.If previous 4 months showing no late or payment made on time then how would it be 150 days late in just one month. Equifax has no answer for that and every time I dispute the account, they report back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

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 explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
account paid in full but reported as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why XXXX especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with XXXX was XXXX and contained XXXX XXXX XXXX hard inquiry. On XXXX XXXX, 2016, for whatever reason XXXX XXXX ), XXXX lowered my score by ( XXXX XXXX points? and added XXXX XXXX XXXX hard inquiries to my file? Equifax and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against XXXX for the identical conduct and they corrected my record. Sadly, XXXX did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I find myself fighting monthly with XXXX OF NORTH CAROLINA to remove their negative report from my credit report. I paid them in full in 2013. They promised to remove the negative report after the payment was received in full. I 've submitted the proper documentation to XXXX OF NORTH CAROLINA and the XXXX credit bureaus with no luck. I am in the process of rebuilding my credit and XXXX OF NORTH CAROLINA 's negative report is not helping my credit history. I was in a credit rebuilding program with XXXX XXXX for the last six months. XXXX XXXX was able to delete the negative reporting from XXXX OF NORTH CAROLINA for a couple of months. Now that I am out of the program I see XXXX OF NORTH CAROLINA reporting this month. I need for XXXX OF NORTH CAROLINA to remove their negative reporting from the XXXX major credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Listed on my credit report from Equafax is a collection debt for {$77.00}. The account number is : XXXX. 
There is no identifying information for this debt. I am not aware of who owns this debt, or how to contact them. I am wishing to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
my new telephone number is XXXX and equifax refuses to update it and creditors have denied me based off the inaccurate fraud number they have i can not provide a phone bill because i have a prepaid account with no bill. my ssn XXXX dob XXXX/XXXX/1976 address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX I NEED MY NEW NUMBER LISTED ABOVE UPDATED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried several times now to get my credit report from Equifax and they keep refusing to let me see it online. I was able to get the other XXXX, XXXX and XXXX, so I do n't understand what the problem is with Equifax. I understand I should be able to get a free report annually, which is what I am trying to do. This is not right or fair, so I would appreciate your help. 
Thank you,

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 incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in XXXX account XXXX 1. Balance amount is XXXX, and charge off amount is XXXX Account reports no payment history in prior to XXXX 2. Payment history reflects paid in XXXX XXXX however first delinquency reported as XXXX XXXX in account notes. 
3. First major delinquency reported as XXXX however payment history reports charge off in prior months begging in XXXX XXXX. 
4. No payment history prior to XXXX however account was open in XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My social security number was stolen along with my tax records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have provided documentation to all the XXXX reporting agencies and only Equifax has chosen to leave the tax lien, which was found to be an error by the state of XXXX, on my credit report. I have done everything that I can do on my end to resolve this issue. Please assist me in anyway that you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
HI MY NAME IS XXXX XXXX XXXX AND I WAS JUST ONLINE CHECKING MY CREDIT REPORT OUT AND I NOTICED THAT SOMEONE WAS USING A NAME OF XXXX XXXX I NEVER USED THAT NAME AND IN THE FUTURE ONLY ACCEPT THE NAME OF XXXX XXXX XXXX S.S # XXXX

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: MO

Complaint narrative:
According to the new credit reporting rules, any medical debt that has been paid must be removed promptly from your credit report. Equifax is failing to comply with this new rule even though I sent them supporting documentation. 

The new rules I 'm referring to can be found on the following reputable source links XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to use my bankruptcy information on my credit report.so it effects my credit score. My credit history has been without a blemish for more than seven years since dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have disputed a XXXX XXXX credit card a few times with all XXXX credit bureau and all XXXX claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.

Company response to consumer: Closed with explanation