vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Previously filed federal tax lien has since been withdrawn, see attached copy of IRS form XXXX ( sent to me from the IRS ) as initial proof of this. XXXX and XXXX have since removed the tax lien from my credit report, however Equifax still will not remove it even after XXXX disputes being initiated. 

They suggested contacting the filing office ( XXXX county ) for more information. i called XXXX county ( using the number that Equifax provided, ironically ) and spoke to them for a total of XXXX ; they told me that they do in fact show the tax lien as having been withdrawn, their document number for that withdrawal filing is XXXX ; said filing took place on XXXX/XXXX/2015 according to XXXX county, and both of the Equifax disputes were initiated after that date ... 

Considering that it took me less than XXXX minutes to locate the withdrawal document, and order a copy of it ( that is being mailed to me ), i fail to see how Equifax could have not been able to accomplish the same having had several weeks to conduct their " investigation ''. 

Equifax is a for-profit company that makes money selling my personal information, and they do n't even have the decency to report the correct information. How on earth can they be allowed to operate with such ridiculously low, and arguably negligent, standards? 

Equifax has already cost me time and money ( fees for documents ), and this only occurred due to their negligent " investigative '' behavior. They should be fined for this action! If i had the resources available, i would absolutely take them to court! 

i will continue to pursue all avenues available to me until Equifax removes the tax lien from my consumer credit report, as this is what the law requires and demands of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Not applying for an XXXX XXXX card, when XXXX changed to XXXX, was the sole reason my credit score dropped XXXX points, from " Excellent '' to " good ''. Why do I really care? Because your credit score factors into your cost for insurance, your fee for credit and in some cases whether or not you will get that job you are applying for. Why, you ask, would not applying for a card cause my credit score to drop so significantly? XXXX XXXX, the credit reporting agency, said because I was an XXXX XXXX customer since the 1970 's and by not applying for a new card when the XXXX XXXX XXXX card was no longer valid. This caused my credit history to shorten to only 2.5 years of open credit accounts compared to what used to be 40 plus years of open credit. We know the history is still there and they have the records still on their file showing that I had a perfect credit history, however because the account is not open I get penalized. It seems backwards that because I did not expose myself to more credit that I am penalized in this way. 
Is XXXX at fault? Is XXXX XXXX at fault? Are the Credit Reporting Agencies, and their computer based scoring system at Fault? I am not sure, however I will work on getting this corrected and continue to update you, here on this page as I progress, or fail to progress, based on the " system ''. Will each of these organizations point their finger at the others? Will no one want to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing this formal letter because the XXXX Credit Reporting Agency along with XXXX XXXX has been violating my rights under the FCRA. The violations are listed below. 

This XXXX account which sometimes reports as XXXX XXXX XXXX account # ( XXXX ) was added to my report on XXXX XXXX, XXXX when in fact this account was already showing on my credit report prior to this action on an XXXX XXXX, XXXX report reporting as XXXX on an XXXX report it was removed from there and placed on an Equifax report XXXX XXXX, XXXX report as well as a XXXX XXXX, XXXX report reporting as XXXX XXXX, when this was added it dropped my score by XXXX points. Then on XXXX XXXX, XXXX this account was removed, but my score did not go up. XXXX clearly states in a letter on XXXX XXXX, XXXX that they no longer service this account that it is now serviced by XXXX XXXX XXXX, XXXX ( small print at the bottom of letter ), so why is XXXX moving this account around which has reached its statue of limits for reporting this account. 

This is a formal complaint against XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ( XXXX ) XXXX ), XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ( XXXX ) XXXX ) and the XXXX Credit Bureaus. I am requesting that you investigate the situation and take the necessary action. 

If you need any additional information, please call me at ( XXXX ) XXXX am requesting that the item be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I disputed an account with Equifax concerning an authorized user account in which I was deleted off of with XXXX but Equifax continued to report after I contacted them by phone and U.S. Mail. I checked my credit report and noticed that there are now charge offs being noted for every single month up to and including XXXX 2015. These insertions were not there before the dispute but they are now. The weird thing is that the authorized user account Equifax seemed to have verified does not match the reporting of the Account Holder. The authorized user account is reporting much more negatively and I believe Equifax did this out of spite because I disputed the account. I am not an authorized user on this account. Equifax needs to remember that authorized user accounts are NOT responsible for the account ; they ca n't order new cards, request statements, etc. Equifax is in violation of falsely verifying this account and continuing to report it. If they verified with XXXX XXXX they would n't have been able to since I am completely deleted off as an authorized user and have been for over a year but yet Equifax continues to update and add more negative information each time it is disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX responded Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. Please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, XXXX XXXX or fax the documents to ( XXXX XXXX XXXX to have the Fraud Alert removed from your file. You may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. Written confirmation was mailed on XXXX/XXXX/XXXX. 


Dispute Response Equifax has reviewed the complaint and its records. Equifax did not receive any additional communications from the consumer during the review of the complaint. No follow up actions are required in further response to the complaint. 


What happened Product Credit reporting Issue Credit reporting company 's investigation : Problem with statement of dispute Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile. 


XXXX to publish the description of what happened? Consent provided Supporting documents PDF document XXXX Product information Information about the credit reporting company Equifax XXXX XXXX XXXX XXXX XXXX XXXX United States Social Security number XXXX Date of birth XXXX/XXXX/XXXX Desired resolution What do you think would be a fair resolution to your issue? 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile Consumer information Contact information Mailing address XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX United States XXXX XXXXXXXXXXXX Phone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX lied and told me they offer internet services at my apartment in order to obtain permission to view my credit information. They do not offer internet, only telephone services, and no cable in my area and yet they still tell consumers they can receive their services before they request all your personal information. I tried to remove the fraudulently obtained permission from my credit report, which includes XXXX fraudulently obtained permissions to which XXXX hard credit inquiries are on my credit and affecting my score. XXXX refuses to correct the issue even though XXXX representatives lie in order to obtain sensitive personal information. XXXX will lie to you to obtain personal information and use it for their benefit because they will not correct their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to the bank XXXX/XXXX/2016 and asked why my debit card is blocked. Representative took my debit card information and said that I took XXXX dolars from ATM and my account is overdraft. I said that I did n't do it and XXXX XXXX helped me file a claim about fradulent activity on my checking account by phone I was talking with person from Card Claims Team ( XXXX, MA ) who said that the fraud was exactly from my card in the Santander ATM in the XXXX, New York on XXXX/XXXX/2016. I did n't leave my room XXXX/XXXX/2016 because I had a flu, so I was in the XXXX XXXX, XXXX. Santander Bank refunded XXXX dollars to my account plus they refunded overdraft fees which they charged me. I thought that everything is okay now, so I did n't go to the police with it in the XXXX. In the end of the XXXX I got the letter that bank denied my claim and want me to paid XXXX dollars plus fees. I called them in emotions and explained that I did n't took the money. I believed that they will take care of it. XXXX/XXXX/2016 Santander Bank, XXXX MA charged me XXXX dollars and I got the letter that my account is charged. By the phone bank worker from Card Claims Team said that I had the card which was a crime and suggest that I gave my card or PIN number to somebody. I went to the bank and XXXX XXXX said that he ca n't help me, because decision against me was made in the XXXX, MA and the only way is the case in the court. He also said that it will cost me a lot of money for attorney. I felt bad after it because I am not rich as a Santander Bank, but I just wan na justice as a customer. I also heard from XXXX XXXX that I am not the only person who has money missing from the account in the Santander Bank, New York. I went to the police and they said that at the moment I should have a case against the bank in the court, because they ca n't make it report after bank investigestion. Every few days bank charged me extra XXXX dollars fee. My account is overdraft. I got the information that I have 35 days to pay everything or they will close my account and I will have bad credit score. From the beginning of this situation I felt discriminated because of my immigration status by the bank workers. They have a lot of my informations and they asked me about my passport information by the phone. I am a victim of XXXX so I will regulate my XXXX in a diffrent way. I felt totally bad because of my hard life situation and Santander bank make it even worse. I swear on the Holy Bible that I did n't took XXXX dollars from the Santander ATM and I did n't give my PIN number or credit card to anybody. Please help 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
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and have unauthorized and fraudulent inquiries listed on my Equifax credit report. The following inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX accounts in collection the problem is i never have had XXXX phone service nore have i ever applied for any type of credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reached out to Equifax in regards to some inquiries on my credit that I did not authorize and I also have a fraud alert on my account. I froze my account as well because of identity theft. I wrote them asking to remove the inquires and they responding telling me that they will not erase them because all companies does n't have to necessarily have my consent or my signature to pull my credit. This is really bothering me because I cant get approve for lines of credit that I need or some jobs have turned me away as well because of my credit issues. The items that I disputed are in fact in error. I did n't request any of them. I 've spoken with a few of the companies and they said its nothing they can do because its not an account, its just an inquiry. Having XXXX inquires that are n't yours affect you majorly and I am a single parent of XXXX trying to build and maintain my credit so that I can provide for my household. This is stressful. I 've called and written letters for them to respond the exact way. This is very distasteful and they act like its nothing that can be done and they do n't care to listen, read or help you in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
After seeing my credit report this week I discovered a false delinquency. On XXXX XXXX XXXX I signed. 13 month lease with XXXX XXXX XXXX. 
After being told my XXXX job was being eliminated in XX/XX/XXXX my landlord had me sign a release from the final 3 months of my lease. 
I moved out of state on XXXX XXXX XXXX leaving my forwarding address in XXXX. Since that time XXXX XXXX XXXX NEVER contacted me about any delinquent charges. On my credit report they charged me for XXXX and XXXX rent plus {$900.00} in damages. 
I have made XXXX of attempts to contact them to discuss the situation. I havre been ignored. 
I am seeking a legitimate and fair way to resolve the situation. Can you help? 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
US Bank advertises their XXXX XXXX card with the annual free night certificate. I never received it and even after calling I still have not received it. I completed the requirement and was verified on the phone with customer service representative. I was given a reference number of the call on XXXX/XXXX/2016 : " XXXX ''. 
This is what they advertise : XXXX XXXX Visa ( R ) Reward Card Free Night E-Certificate ( " E-Cert '' ) is available per Account if you charged US {$10000.00} or more in Net Purchases ( purchases minus credits and returns ) on the Account during the 12-month statement cycle period immediately prior to the annual anniversary of your Account opening date.

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
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The car financing company XXXX is currently reporting as a closed account on with all XXXX credit bureaus. They are also reporting as a judgement on equifax. I have contacted all three credit bureaus because XXXX is currently garnishing my wages receiving roughly about XXXX per month since XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
We had a home for 15 years in XXXX XXXX, NJ and my husband lost his job in XXXX of XXXX. We tried to sell the property in short sale, but XXXX denied XXXX separate short sale offers. We went into a backdated foreclosure in XXXX of XXXX and had moved out of the house at that time. XXXX then got caught up in the robo-signing mess and our foreclosure was put on hold. In XXXX, we were told that the XXXX forgiveness act was expiring and we should file for bankruptcy against the house due to it still being in our name and again in active foreclosure. The home was discharged in XXXX XXXX. Our loan had been sold to XXXX when XXXX went under, and they were notified of the bankruptcy. They assured me that they would put the home in sheriff sale, but during the XX/XX/XXXX, 6 years after initially leaving it, we were told it was sold to Seterus. Seterus has been calling me weekly ( every 5 business days ) on my cell phone to try to collect the debt, though they know we were discharged and they have been given the file number repeatedly. We also get weekly or bi-weekly collection notices through the mail. 
The house is still in our name though it was turned over to XXXX in XXXX, and we are forced to still rent due to the inability to attain a mortgage because of the lien in our names. 
We have been given varied directions by attorneys, such as to rent the property and make some money, do a deed in lieu, which had already been offered and refused, or just wait it out. 
We need help!!! There is no end in sight at this point, and it is severely preventing us from moving on with our lives.

Company response to consumer: Closed with explanation