vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed XXXX XXXX with Equifax. They will not remove the item. I had to file a police report and have sent many letters to XXXX XXXX and they will not send me any information. I also contacted the " original '' debtor XXXX and they will not give me any information. This account is not mine. XXXX XXXX is a scam. Every time you call XXXX, they send you to voice mail if you want to dispute the charge and no one calls you back. I have written them and sent them the police report which they request when you dispute with Equifax. Now the Item needs to be removed as it is not mine and they will not provide me with any information on this account. I have also disputed this charge with XXXX and they must forward this info to asset which they have not done. Please remove XXXX XXXX ASAP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Account # XXXX Please delete and update my records/credit score. 
I paid this in full and never use it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My Equifax credit report, shows up XXXX different address for myself, though only XXXX of them is correct and the other XXXX, to be cleared of error. Here is the Right adddress of mine ... 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , NC - XXXX. 

I would like to get this fixed at the earliest. 

Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Timothy C. Runyan, P.C.
State: MI

Complaint narrative:
The attorney Timothy Runyon has garnished my tax return for the last 7 years. The debt was paid and I have proof. When I took him to court to discharge the debt he threatened me outside the courtroom by stating that if I did not give him {$2500.00} in cash that he would start the debt over every single year. How does a debt start over every year. The amount already paid should be deducted from the debt. Since I did not agree to give him the cash that day or within a week he started the debt over from the beginning. I have proof that he has been paid. He even asked me personal questions about my financial situation such as did I own a home because if I did he could roll the debt over to my mortgage. He also asked me why was I trying to get rid of the debt and was I trying to buy a home which I answered none of his questions. He and the judge are friends so the judge never gave me an opportunity to state my case because they are friends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XXXX XXXX, 2014 a XXXX account was turned over to a collection agency XXXX XXXX. I called this company and they said someone used my Social Security Number to open an account up with XXXX and this person lives in XXXX. XXXX. An address of XXXX XXXX XXXX XXXX XXXX XXXX also shows up on my credit report. This is not my account and my address. This issue is lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
i ran my free credit reports XX/XX/2016. On my Equifax report, there are XXXX revolving charge accounts that do not belong to me but belong to my Mother ( same first name, different address, DOB, SSN ) for XXXX credit card and XXXX credit card. Also, Equifax is reporting me at an address that I have never been a resident of but is related to the XXXX credit cards that are not mine. I disputed all XXXX items and am waiting for response on the credit. To remove the address, the want a copy of my DL, a utility bill and a copy of my SSN card. I WILL NOT provide that information. Do they not check the SSN and DOB before putting items on consumers credit? I want the XXXX disputed items removed and they need to be more careful and check the information first.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have checked my credit report and have found XXXX as a credit XXXX. I have in no way ever signed for or agreed to pay this and would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I reached out to several secure credit card companies to build my credit in XXXX 2016. I made clear that the reason is to build my credit prior to filing bankruptcy in XXXX. All XXXX companies took my deposit and allowed me to make payments and began to build my credit but closed my accounts once I filed. They did not inform me prior to accepting my deposit of this practice of closing my accounts if I file for bankruptcy. I feel scammed because the purpose of starting the cards prior to filing is to be able to show positive credit history prior to filing bankruptcy. My hard earned money used for my deposit and all my on time payment history is gone with even informing me that the accounts were close. I was told when I called to make a payment or use the card. The companies are Discover IT, XXXX, XXXX XXXX. I feel they should have made me aware of this policy prior to accepting my payments and I could have used a company that would allow me to keep the accounts after filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax was advised on XXXX, this information that this account was in XXXX, and then again advised regarding the matter that this account is unsecured and is not backed by a student loan or government entity of any kind. University XXXX Louisiana XXXX shows a debt for XXXX, this is a unsecured debt and i have provided several times the document showing that the account should state closed and discharged BK as of XXXX The account is no longer a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( XXXX ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, Equifax , and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a hard inquiry on my report at Equifax by XXXX on XX/XX/2016. I did not apply for this. I disputed this inquiry and Equifax refused to remove the inquiry. i spoke with many customer services agents including a supervisor and i was told i can contact that XXXX. I explained that i will not call XXXX and give them any information about my persons over the phone due to the fax that i do n't have a relationship with them and do n't want one. I then asked the supervisor for the dispute process that determined my results he told me i was entitled to that. I asked him if they even reached out to XXXX to confirm they really received an application and he would not provide me with that information. Equifax took 48 hours to respond to my dispute and they did nothing to assist me. I want this inquiry deleted off my report now and however this inquiry effected my credit score to be fixed as well.

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

Complaint narrative:
I disputed a public record that reported a TAX LIEN on my credit file by Equifax. I provided them with a letter that said I had never a tax lien from the state of Wisconsin workforce development, workers compensation division. Equifax refuses to remove error from my credit report, stating the information they received supersedes any information I provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
After going over my credit report from Equifax, I noticed that there was an additional closed credit card account. I only have XXXX credit card from XXXX XXXX XXXX, which is in good standing, so I automatically knew that this credit card was n't mine and as further proof, the status lists the CONSUMER as DECEASED since XX/XX/XXXX. This mishap should n't have happened because something like this should be automatically flagged by their operating system, especially since this occurred 4 years ago. Additionally all the end dates, listed under the " address information '' section of the credit report all conflict with each other. All XXXX apartments report that i left XXXX of them on XX/XX/XXXX and the last XXXX I left on XX/XX/XXXX. Also since the move in dates are accurate it appears that I have been living in XXXX separate apart 's concurrently. Its ridiculous and it could cause me future problems, potentially when I try to rent or buy a place of my own and it should be corrected or removed immediately by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ENHANCED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ( I do n't know if this is the correct address and number, they 're a very shifty company ) has filed a fraudulent collection on my credit report. I can not contact them to discuss this issue because they are a corrupt third party collection agency who frequently breaks the law according to the BBB and reviews on the company. The collection Account # XXXX {$570.00} Balance XXXX Original Creditor {$570.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Individual Account.Responsibility has already been removed from my credit report twice before- Agency Report Date Removed Original Creditor Amount Owed Bureau AFNI, XXXX XX/XX/2016 XXXX {$570.00} EQUIFAX XXXX XX/XX/2016 XXXX {$570.00} EQUIFAX This is a criminal attempt at fraud and it has damaged my credit. Twice before this collection was removed from my report because the previous collection agencies investigated the bill and found that XXXX falsely tried to bill me and they dropped the collections and now this agency is attempting the same thing, illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX were doing a loan modification on our home in which they told us they were going to do a dummy bankruptcy to stop the sale of our home. Unknowing to us it was n't a dummy bankruptcy because it is now on our credit. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX XXXX XXXX and we are located in XXXX XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposly dummy bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My XXXX complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out of their money and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX. is reporting a zombie debt as an open collection/charge off to the Equifax credit bureau. The debt was charged off in XXXX XXXX and last payment activity was XXXX XXXX. This debt is six years old and past the state of Maryland and Virginia statute of limitations and thus the creditor, XXXX XXXX XXXX can no longer actively collect ( have collection activity ) on this debt. The correct status of this debt is closed account/charge off. This account should not be reported as an open collection by XXXX XXXX. I called XXXX XXXX A. on XXXX on Tuesday, XXXX/XXXX/XXXX at XXXX, and spoke with a customer service representative in the Recovery Department and she too verified that XXXX can no longer collect on this debt for the state statue of limitations has been exceeded. Thus it does not make sense for this debt to have a status of open collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXXEquifax XXXX. XXXX XXXX XXXX, GA XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XXXX/XXXX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had put XXXX down on a XXXX XXXX XXXX me 6 months will lower payment, ,as my insurance was XXXX ..i was paying XXXX $ monthly teaching at college, ,yes.. after 1 year i had gotten in a bad XXXX, no longer can work, i am on my XXXX XXXX, ,at that time i asked to ; lower payment it over time, ,they said we never said that and your sales guy is no longer here, ,i cou ; ld not pay that XXXX $ any longer, ,so i gave XXXX back and i gave them XXXX $ again for a 2008 scion box,,, that wa sthe deal if i bought another carb XXXX DOWN AND GAVE XXXX THEY NWILL AUCTION OFF AND WE WILL BE EVEN,,,,, ,OF COURSE I DID NOT KNOW HE ALSO RAISED APR TO 28 % i am SICK,,, ..holy XXXX,,, XXXX months layer i paid XXXX $ to XXXX car PAID IT OFF,,,,, ,they HAD auctioned XXXX back then and sent me a =letter of owe 0 ) XXXX ,its in my file ..., ,i also had given my daughter XXXX to put on a XXXX also because of my settlement money i was able, to do this,,, i was never told anything else ... .but i think after they found out about my moneys they changed their mind and iv been getting letters to owe another XXXX $ for XXXX, ,i already paid XXXX on XXXX and tHey auctioned for XXXX XXXX car was only XXXX $ and i had for 1 year,,, does not make sense, ,how would they even sell me another car for XXXX down and handed my old car in if i owed any thing else ... please help me this is crazy,,, I would have taking care of these things if they would have told me from beginning, ,i do not do scams very well..i am certified PI BUT STILL CAN NOT WORK & lt ; & lt ; XXXX XXXX recently to a US XXXX whom has purple XXXX from XXXX and XXXX, ,and he takes good care of me, ,i just need to get a chance to please get my life back, XXXX years ago i went thru a bad time after accident and put me in a lot of problems alone, next thing i had these little bills from things i do not even aware of, ,i just need this all fixed,,, i am receiving my second part of my settlement in XXXX `- XXXX months and i need to have credit fixed to move buy land and buy a business for my older kids to have when i leave from here,,, ,please help me fix all this, i need to get cleaned up in system thank you so very much ... XXXX XXXX XXXX, ,like i said i paid off my scion XXXX XXXX months after and paid dr.uecker {$8500.00},, paid rent electricity, never have been evicted i pay all my bills, ,i have great XXXX health XXXX. i donot see why my score is still so low, ,i cant do much buying and using credit when iv had XXXX surgeries i XXXX years and on bed rest now from another XXXX XXXX weeks ago XX/XX/XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: National Budget Planners of South Florida, Inc
State: MA

Complaint narrative:
I applied for the national student service forgiveness program ( XXXX ) they are from XXXX California. They had me pay an admissions fee for them taking care of my account ( XXXX dollars ). i have been paying XXXX dollars a month since XXXX.They have done nothing to help me and have actually hurt me and my credit severely! I had no contact with them til i learned that my credit was severely impacted. The information they had ( email, telephone number, address ) were all wrong and they were not updating my information to the federal student loan people. So i was no receiving any information that i needed to know. i had called to see what was happening and they told me i needed to renew my account after a year. well it had only been 6 months. I was told that i had to send in my pay stubs in ( i faxed them ) order for them not to send my information to the credit bureau. Well that was also a lie, that night i checked my score and it had dropped XXXX pts. Ive sent this company my pay stubs, my information, my social security number as well as my bank account number. In the process they were not communicating with the XXXX XXXX XXXX, who are my actual loan holders, so i learned that i was supposed to be making payments and i never did because this company told me they were handling my account. So on my credit report i was told that i was 120 days late on payment, when in reality i was told that i would not need to make a payment. NBP put a forbearance on my account which the federal loan services noted they did. I was also told that after 10 years of paying ( NBP ) i would have all my loans forgiven. well that was also false because i do not qualify for that type of forgiveness.They are a fraud and never give you the information you need. They told me i could get the public loan forgiveness program when i only qualify for XXXX of the XXXX requirements for this program. It makes no sense to pay a company to help you maintain your loans when they just hurt you in the process. The federal student loan services have helped me understand why this company did what they did and now i think it needs to be noted that they cant keep doing this to students who are struggling to pay for their loans.

Company response to consumer: Closed with monetary relief