vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MO

Complaint narrative:
My report has a former address in XXXX, VA. I have never lived in Virginia anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Invoice # XXXX from XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They have my social security last XXXX digits XXXX wrong names listed for me had a fraud alert that I did n't put in I also had tremendous inquiries that I 've asked Equifax to remove and if they do I have to put a grad alert and I DONOT want another fraud alert on my credit they have made a mess of my life

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XX/XX/XXXX, I was coming from campus at the university XXXX, XXXX campus. On public transportation and was victimized by a pick picketer. This incident was reported to law enforcement and reported to all XXXX bureaus, Equifax has allowed a massive drop in my score, allowing verizon after two years of the account meeting FCRA requirements, as fraud delclaration. this is unacceptable.. i have spent all of XX/XX/XXXX and XX/XX/XXXX paying off debt, and has no more negative accounts any longer. please assist in this matter.Equifax has now filed their 4th dispute to be on hold another 30, days. 
respectfully XXXX XXXX XXXX XXXX ph XXXX

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

Complaint narrative:
I have been writing letters to the XXXX major credit bureaus, XXXX Equifax and XXXX since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and Equifax are reporting a balance of {$17000.00}, while XXXX reports a balance of {$17000.00}. The Date of Last Payment also does not match! XXXX reports XXXX/XXXX/XXXX, Equifax reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX Equifax and XXXX. For instance, the Open date on Equifax says XXXX/XXXX/XXXX but on XXXX it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car. I badly need your help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have decided to write XXXX complaints a day against Equifax in order to try to get them to follow the law and stop violating my rights. As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXXn did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX reported to Equifax Credit Report on the following dates to obtain information for a hard inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed for Bankruptcy on XXXX XXXX, 2009 but changed my mind and it was dismissed on XXXX XXXX, 2009 by the courts. Equifax is the only credit reporting agency that will not remove this from my file even though it was never processed and the court sent them the Dismissal order. They intend to leave this on my report which lowers my scores for 10 years as if a Bankruptcy took place. According to the courts the dismissal order should have eliminated that. I tried speaking with a representative at Equifax to find out why they wo n't remove it and she kept saying the court sent it. I 'm trying to get my credit back on track but this is a major setback. Is there anything else I can do to get this off of my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I paid for my credit report at XXXX and found that on XXXX XXXX, 2015 XXXX hard inquiries were pulled with concern to : XXXX and XXXX, so I called them. The information I received was an incorrect social security number, date of birth, address and employer was given when applying for auto loans. I was referred back to Equifax whom is reporting the XXXX hard inquiries. I 'm being bounced back and forth between Equifax and XXXX XXXX and XXXX Loans. I did not apply for any auto financing and would like CFPB to investigate this matter. As per my credit report this matter is only on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and equifax ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the second score ( equifax ) was nearly the same and the third score ( XXXX ) was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( XXXX, equifax, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score XXXX times each. Once for being in bankruptcy and another for being late thus killing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I would like the words " Account in Dispute '' removed from all accounts on my credit reports from the XXXX credit bureaus where it 's listed. I am not disputing any accounts listed on my credit reports as of this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax sent a letter saying my ID didnt match their records. Yet I sent all the required ID copies! So they did not respond to my requests!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This has to do with EQUIFAX, In the past week Iv'e called Equifax at least 3 times now in regards to Credit Fraud ( INQUIRES ) on my credit report. Everytime I call there they keep transferring me to somebody different to talk to in the the Special Handling Department!!!!! to handle my complaint which still has n't been taken care of as of toDAY .... All 3 times EQUIFAX!!!!! said that THEY would do their investigation on my Fraud INQUIRES my investigations all XXXX would be closed out in a couple of days. ACCORDING TO THE ( FCRA ) SECTION 611. WHAT EQUIFAX DID TO ME IS ILLEGAL!!!!!! THE FCRA SECTION 611 STATES " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, CONDUCT A RESONONABLE INVESTIGATIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION INFORMATION IS ACCURATE AND RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDANCE WITH PARAGRAPH ( XXXX ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECIEVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER ''. In other words, when you make a dispute, they EQUIFAX MUST!!!! investigate it free of charge within 30 days that 's 30 DAYS $ $ $ $ $ or delete the items. If they do n't have proof of their validation, they EQUIFAX have to FIX the problem ... ... ... ... .... 
FRAUD INQUIRES THAT NEED TO BE DELETED 1. XXXX BANK 2. XXXX XXXX XXXX 3. INFORMATIVE RESEARCH BANK OF CALIFORNIA XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX CU 6. XXXX XXXX CC ( XXXX ) 7. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2017, I discovered XXXX XXXX XXXX XXXX - XXXX in the amount of {$840.00} and {$70.00} had been re-inserted into my Equifax credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this issue?????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX, GA XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

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

Complaint narrative:
This account is being reported as XXXX days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/2009. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/2009. You can clearly see on the attached info from Equifax that the payment status switched to XXXX in XX/XX/2009. This account went into default and was transferred to XXXX XXXX Higher Education. This does not constitute a payment and this account is being reported past the XXXX year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Automatic payments for my car loan were discontinued by NMAC. I was not informed that this was happening so the bill was not paid for over 30 days. This was reported to the credit agencies and affected my credit score. I had this loan for 5 years and never missed a payment until the last two payments were due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: OK

Complaint narrative:
This phone number was recently assigned to my XXXX XXXX XXXX daughter. The collection attorney from Palmer, Reifler and Associates, P.A. keeps calling her looking for a person named XXXX with a recorded message in violation of the TPPA. 

I would like them to stop harassing a XXXX XXXX XXXX little girl over a debt that she does not have anything to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: OR

Complaint narrative:
My recently deceased mother had a reverse mortgage on her home when she died. The value of the home was close to the balance of the mortgage. In deciding how to deal with the disposition of the home the mortgage company offered us a {$3000.00} incentive to sign the house back to them quickly. We decided to do that but have never received the promised incentive. I 've called several times, sometimes speaking to someone, others leaving a detailed message and I 've not received any returned calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
Went to XXXX XXXX XXXX in XXXX TN to purchase XXXX XXXX. When it came time to get with finance dept. the gentleman XXXX XXXX XXXX ) helping/robbing me told me I HAD to purchase extended warranty to get any financing. He added a {$1500.00} " XXXX XXXX XXXX premium to my contract. I had purchased from this dealership previously and was told the same thing. At that time I did n't think to question it. That finance guy was XXXX XXXX, who I just learned was been promoted to management of the dealership. Guess I know why. Sells exorbitant policies to people every chance he got to increase his sales and commissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: WY

Complaint narrative:
I paid off my vehicle loan thru GM Financial on XXXX XXXX, XXXX. I still have not received the lien release, so I called today and got the run around. They show a letter was mailed out on XXXX XXXX, XXXX. However I never received the letter. They refuse to send out another lien release, instead they are blaming the snow ( seriously, XXXX times they blamed the snow, which came AFTER the letter was mailed. Snow has magic powers on the XXXX apparently ). I had to demand repeatedly to speak to a supervisor, and she directs me to a website GM runs that I can request the letter for a {$23.00} fee. That lien release is required in their contract with me, and yet they are first giving me the run around and then when I do n't just hang up and go away, they instead try to shake me down for more money. They spent the life of the lease shaking me down for additional fees for everything from making payments to getting copies of the title faxed to attorneys to getting to talk to a live person about my account balance not being correct. Now they will not provide me with that lien release unless I pay an additional {$23.00}. I have no other recourse as I have to have that letter in order to get my copy of the title. I want my lien released, I want my proof of that lien release, and I am not paying GM Financial another cent for them to do what they are required by law to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Went to Santander to inquire about IRA CD rates, met with a bank rep. She gave me a favorable rates and I wanted to move my IRA to santander CD IRA. The branch manager then instructed me to go to my other institution ( XXXX XXXX ) which was XXXX XXXX XXXX, and I took the check from XXXX XXXX and brought it to santander on the same day and made the deposit into their CD IRA. I then had XXXX more CD IRAs mature XXXX XXXX XXXX XXXX and XXXX XXXX XXXX these were at citizen bank. I went back to santander and sat with the bank rep. Went over the rates with me again found a good rate and again the bank rep instructed me to go to the other bank and bring the check to deposit into the new IRA CD. I did this once on XXXX XXXX same day as the maturity and withdrawal and the XXXX in XXXX XXXX again same day of the maturity and withdrawal. I was later then contacted by the back office IRA team of santander stating there was a problem, telling me that what i did was going to create a penalty because of a new IRS rule saying that i can do only XXXX rollover per year. I explained that this is what i was instructed to do by the bank rep, and that the withdrawal and deposits were made on the same day. They claimed this was my problem and my responsability to know the rules and that i would be penalized at the end of the year by the IRS for doing too many rollovers in a one year period. They are unwilling to help fix the situation and not claiming any responsability for the advice they gave me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation