vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
A separate party ( no relation to me ) and myself are signers on an auto loan with BBVA Compass. I only singed the loan to assist this person. This person has not paid the payment for 74 days. The bank calls me multiple times a day even after I have repeatedly informed them that I do not have possession of the car and that the person driving the car ( which is supposed to be paying for it also ) has placed a protection order against me until XXXX XXXX when we will be in court to fix that issue. After that, I told the bank ( BBVA Compass ), that I would be attempting to recover the car so I could perform a voluntary surrender of the vehicle to them and later attempt to fix the remaining balance. No matter what I tell them or how many times I answer the phone, all they ever do is ask for payment. When I try to talk to them, they just talk over me and will not let me talk, simply stating, " Do you have your bank account information ready for payment? " .. even if I ask them to stop talking and listen to me, they continue to ask for payment. It is enough to drive a person crazy. I understand if I did not answer and they did not have any information. I am trying to inform them of what is happening but it seems they do not notate the account and call me every day multiple times a day regardless of any information I give them. Now when they call, my skin crawls and if I answer I end up getting very upset. I feel like they are harassing me since I am trying to communicate with them but they just keep calling for payment as if they had never talked to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I co-signed a note with my granddaughter for an automobile. In 2014 she stopped paying for the vehicle so I voluntarily surrendered the vehicle to the financial institution and began paying the remainder of the loan. Since that time I have made all payments on time. Equifax has shown the voluntarily surrender to be within the last several months instead of 2014 and will not correct the information. This falsely lowers my credit score and makes me look like a bad credit risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Have disputed MULTIPLE times. Submitted court documentation of lawsuit dismissal. Still is n't being removed from equifax. XXXX removed it without issue. Was told by equifax on phone debt was verified. I asked to see a copy of the paperwork with my signature confirming debt. They told me they did n't get that. I asked how they confirmed the debt, without it since the courts dismissed it due to failure to provide proof of debt. The woman on the phone responded " it is going to be removed at the end of the year anyway, what does it matter ''. 
I have been denied credit due to this, and have a high APR on a loan due to this being on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Fraudulent check cashed on my checking account for XXXX dollars. Can not access my credit report and look for further fraud. Unable to speak to a live person. Unable to place fraud alert for same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the XXXX leading credit reporting companies are not to hold information after 7 years closed accounts or in 7 years of age since first reported to them. All mine are of the above, 7 years and more in terms of time lapsed since these were reported, and they are still listed against me, making renewed credit standing impossible to acheive, or a decent score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has an incorrect derogatory mark on my record relating to a judgement against my father who has the same name as me. I contacted Equifax and they refused to remove it from my credit report and it is negatively impacting my credit score. I contacted the court that issued the judgement and there is nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I applied for my free credit report via annualcreditreport.com, as I do every year. I have been unable to get an online version from Equifax since XX/XX/XXXX. ( XXXX and XXXX have no problem with my online report. ) In XX/XX/XXXX, I sent in my written request and had to follow up two more times before I received it. 
In XX/XX/XXXX, I sent in my written request and had to follow up once again before I received it. 
In XX/XX/XXXX, Equifax would not even let me get to the identity-verification questions online, and I was told to send in a written request. ( I was about to travel for work and was not able to send it in. ) Now, in XX/XX/XXXX, Equifax again will not give me online access, and I again look forward to the hassle of requesting it through the mail. 

I have not changed addresses, I have not changed my name, and I login from home. There is no reason for me to have such additional hassle to get Equifax to comply with my request. It seems they want to make it as difficult as possible, in hopes of discouraging users from getting their files, and I suspect they are attempting to avoid their legal requirement to send consumers their reports. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17 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 ignoring my requests to investigate and remove XXXX accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is stating that XXXX Account XXXX is reporting correctly and it is NOT. This debt was cancelled through IRS Tax year 2015 with Form XXXX. I have included the paperwork many times that proves this yet Equifax continues to ignore the paperwork. Consumer Financial Protection Bureau is suppose to make this right and force Equifax to obey the FCRA and report this correctly. The paperwork is right here and states clear as day that this debt was cancelled. THIS ACCOUNT SHOULD BE REPORTING XXXX BALANCE AND CLOSED. I do n't understand how Equifax can get away with breaking the law and you Consumer Financial Protection Bureau are letting them get away with this. My next attention will be a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They refuse to delete and account that is an account fraudalent/innacurate that does not belong to me. This account was used to obtain goods without my consent. They also are not helpful at all. From all the XXXX bureaus they work for the big banks not for the customer. 
I removed all the negative and bad account from XXXX, XXXX, EXCEPT ON EQUIFAX. I really dont understant. 
Please Help

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

Complaint narrative:
Describe what happened so we can understand the issue ... 
I am a victim of fraud, I lost my wallet some years ago. I called all XXXX credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report XXXX times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment. 
XXXX PLEASE REMOVE ALL INQUIRES THAT DO N'T BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax has suppress an auto loan and has made excuses not to add the account to my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed a collection on my credit report and it was verified with Equifax. I sent a debt validation to the collection company. The collection company sent me a print out on their letter head, using my current mailing address, my first name, someone else last name. This was previously deleted because the collection company could not verify. I have never had an account with XXXX and I have no idea who they are. I find it odd that Equifax can verify this and our last names do not even match.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.

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: IL

Complaint narrative:
I have a listing as XXXX XXXX XXXX on my Equifax Credit Report.

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

Complaint narrative:
The credit reporting agencies ; XXXX, Equifax and XXXX are reporting a public Record Bankruptcy which is inaccurate in it filing. The CB 's are stating that the information has been " VERIFIED '' according to XXXX and the bankruptcy court. Both the XXXX court of Clerks and Lexis Nexis have verified that the information is NOT reporting therefore is NOT VERIFIED. According to the law and my rights under the the law of the FCRA, Consumer Debt Law and the Public Record Act, if the information stated is INACCURATE IT MUST BE REMOVED or provide material evidence of who, how and where it is reporting!! I am requesting that the CFPB advocate for me in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is not and never has been XXXX of my addresses. XXXX XXXX XXXX XXXX XXXX, MO XXXX. This is my ex-husbands current address and I do not reside with him. Please remove it from my Equifax report. Thank you. 
There is also a credit card on my Equifax report from XXXX - XXXX Credit Card XXXX XXXX, XXXX Closed {$0.00}. Please remove this. 
XXXX - This was never my debt it was a student loan my ex-husband took out and I never signed for this. Please remove - XXXX Student XXXX XXXX, XXXX Closed No Missed Payments {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX 2015, a court order for arrears in child support was entered. The court ordered judgement explicitly said that as of XXXX XXXX, 2015 a debt of {$22000.00} was owed ( agreement between parties, including " unreimbursed medical expenses and arrears in child support '' ) .The Office XXXX Texas has been reporting incorrectly a wrong balance, that is being paid down every month, and, despite my many emails, phone calls and complaints on their website, is not correcting the wrong information. I had submitted a complaint through XXXX and Equifax ... at first they deleted the wrong info but now they are reinserting the SAME wrong info. 
All I would like is XXXX that the Texas XXXX enters ACCURATELY the judgement and XXXX that XXXX and Equifax reflects this accurate info and did not even VERIFY whether the info was accurate or not. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Have been a victim of Identity Theft and even have an alert on all XXXX reports. Someone is running my credit for credit cards, bank accounts, and loans which is impacting my credit score and increasing my inquires. The inquires from equifax was once removed and then added back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Related case # XXXX Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

tel:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not have a case number. I have tried to dispute the information on my Equafax but I can not sign on. The website does n't reconize me. When I try to call I hold for 15 minutes then get disconnected because " they are responding to a large amount of calls ''. I have tried to go on the website and chatting with a representitive and they just apologize and tell me to call again. My credit report does not show my bankruptcy, all depts are still being listed as charge offs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
There is a docket from 2004 that Pressler and Pressler obtained. My income is Veterans XXXX benefits and Social Security .This matter was taken care of in 2004, with the county clerks office.Now Pressler and Pressler is threatening me for this .My situation has not changed. I will be XXXX for the rest of my life .I do not drive.Have no vehicle .I rent.And my income is all XXXXi thought this was over in 2004.The subpoena theyasked from me has allot of information.I do not trust them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i have many HARD INQURIES on my report recently, but the only things i have applied for are PRE APPROVED credit cards ( XXXX XXXX ) and was approved. How do i remove these HARD INQUIRES?? my credit score went DOWN considerably due to this. 
ALSO MY XXXX ACCOUNT IS FROM 2007..THIS SHOULD BE REMOVED AS IT WAS SATISFIED. XXXX XXXX EQUIFAX HAVE THE INCORRECT INFO )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both XXXX and Equifax do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I started a few months ago on my XXXX credit report. I called all XXXX open collection accounts original owners, explained my heath got real bad in XXXX mostly medical bills that was not filed with my health ins. I paid my office visit copay at that time. each one that I spoke with agreed, that 's why I have no collection accounts open {$0.00} Dept w /XXXX. I then started same dispute steps with my equifax credit report, they deleted all but XXXX of the same medical accounts? I explained & disputed accounts maNY MORE TIMES THEY WONT DELETE SAME EXACT MEDICAL BILLS, THAT WERE DELETED FROM MY TRANSUNION REPORT? XXXX, XXXX, EQUIFAX CREDIT REPORTS SHOULD ALL BE NO COLLECTION ACCOUNTS. IM XXXX NOW ON SMALL FIXED INCOME. IF I GET MY CREDIT SCORE UP TO XXXX THE STATE WILL HELP ME BUY MY KIDS & I A HOUSE. PLEASE HELP ME HAVE THEM KNOW ITS RIGHT THING TO DO, BECAUSE IT TRULLY IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received confirmation of dispute findings which advised that the XXXX account was going to be deleted from my credit file. The XXXX account was deleted however when I called in to address another concern the supervisor I spoke with put the account back on my credit file. I believe she was upset as I advised her that I would be filing a complaint about the concern I had with CFPB. Shortly after hanging up from speaking with the supervisor I received an alert from one of my credit monitoring services advising that an account had been added. When I checked it was the XXXX account which I had not called to discuss this account as it had been removed. Equifax is in violation of the FCRA as they added this account back to my credit report without advising that this was going to happen. I also have a complaint about the XXXX Dept of Education accounts that they keep reporting an additional {$5.00} to the account balance. I have spoken with the Dept of Education and they advised that they would not update the account as it is in the rehab program. Equifax is updating and changing files without the proper information from the credit provider. I plan to contact an attorney to assist with this violation if it is not corrected asap. Equifax needs to be investigated for their behavior and retaliation against those that call them out on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unable to get my credit report due to indenity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Identity was stolen, and inaccurate information is being reported by credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent Equifax a certified letter on XX/XX/XXXX, stating that i was never notify of a few bills that was on my credit report. I discovered this by pulling my credit report.I realized that the bill was mine however, I was never notify of these bills prior to them being added to my credit report. I disputed them with Equifax informing them that I was never given the proper notification from the creditor. I received a letter from the Equifax on XX/XX/XXXX it stated that we verify these items have been reported correctly. This creditor has verify to our company that the balance is being report correctly on all the XXXX XXXX accounts. I never disputed for them to verify the account or verify the balance, I disputed I was never notify of the bill.

Company response to consumer: Closed with explanation