vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: SC

Complaint narrative:
I have private student loans from Discover Student Loans ( original lender XXXX..The Student Loan Corporation ). XX/XX/XXXX, the co-signer of my XXXX loans filed for bankruptcy. This placed my loans in the delinquent category because of XXXX 's policy and were reported as negative accounts on my XX/XX/XXXX/XX/XX/XXXX credit report even though I was diligently making payments and have continued to do so from XX/XX/XXXX-XX/XX/XXXX. I have been denied online access to my account since the bankruptcy was filed and have been sending in checks each month as an established payment plan in XX/XX/XXXX. XX/XX/XXXX, after reviewing credit reports from all XXXX agencies, I wrote a certified return receipt letter to Discover Student Loans asking them to amend negative accounts since I had not missed payments. This was denied. More recently, I received an email and have been receiving numerous harassing daily calls to repay. Again, a payment plan had already been established XX/XX/XXXX and I have been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover credit card never issued me a statement for the months of XXXX and XXXX, and I was not able to log in and see my statements online and they are reporting me as being over 30 days and over 60 days late. This is preventing me from purchasing my first home and needs to removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
My bank account was tied to my XXXX. My XXXX was hacked. We watched it as it happened, quickly contacted both XXXX and USAA. XXXX was able to place a stop and lock the account. USAA swore there was a stop payment in place. Two days later, {$610.00} clears our account from the fraudulent activity on XXXX. XXXX different USAA reps gave conflicting information. I was told we could have the money back in 3-5 business days. My husband was told several weeks. I was also guaranteed no checks were pending. Turns out my rent check was, I transferred funds to cover it after the fraud but USAA had already returned it, causing me more trouble. There was never a stop payment put on my account. Ever. This is ridiculous. And now I have to wait weeks to get that money back because they lied. Now I 've got to pay over {$100.00} extra to my landlord and look bad because USAA failed me. I was ASSURED that a stop payment was in place and not a dime would come out. Now I 'm left stranded and sinking because they lied, and are dragging their feet.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 terms
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is not allowing me to make a payment to them on a debt listed on my credit report. That is illegal. They must be listed as original creditor. This is very common, maybe most-common with utilities. Any creditor listing a derogatory line item must offer me a means of repayment, to the name, as-shown on my credit. ( and rightfully so, who expects ANYONE to make payments to a random third party ). This line item must be deleted and re-reported with correct collection information This is the final time before I seek legal counsel. Please find attached voice audio, of the listed creditor, DENYING my payment attempt! THAT IS ABSOLUTELY NOT LEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Items that are paid and closed are being reported as a 'Charged off ' status, and continue to report late payments although accounts are closed. In fact, a XXXX XXXX account that was paid in full and closed in XXXX is still reporting on credit bureau ; to be exact last reported in XXXX. 

Please review attached credit bureau and review the highlighted items. I believe this is unfair reporting and is causing me a lot of paid. 

Thank you for your attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ACCOUNT HAS BEEN REPORTING ON MY CREDIT REPORT FOR 7 YEARS AND I AM TRYING TO GET A HOUSE FOR MY FAMILY, THIS IS PREVENTING ME FROM IT, AND I WOULD LIKE BASED ON THE LAWS THAT PROTECT ME TO HAVE THIS ACCOUNT DELETED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed UNAUTHORIZED inquiries on my credit report. Per the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. This is a violation and it should be removed. I feel a reasonable investigation of these inquiries were not done and after sending in proper identification a fraud alert was placed on my file for disputing this. I would like to have these unauthorized inquiries removed and the fraud alerts lifted from my file. I now have credit monitoring so there is no need to have a fraud alert placed on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied on line for a free report because I was declined credit based on an Equifax report. After filling out all their info they told me they could not deliver it on line and I can request it by calling XXXX. After calling and inputting info, unless I was willing to pay for the report, I would have to send them all sorts of information by mail. Both efforts were a total waste of my time, Equifax should have stated online, what was needed to get the report rather than giving the impression that if I pay with a credit card I can get it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. There is an account with XXXX that needs to be removed because I have no idea where this came from and the other XXXX bureaus have removed it so why dont they? This is also the case for the XXXX XXXX accounts, why would Equifax keep them on when XXXX and XXXX have removed them? XXXX has a 30 day late in XX/XX/XXXX that should have been removed by now. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now and there are XXXX random collection from XXXX XXXX XXXX that I have no recognition of. XXXX and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long. And to top it all off, Equifax is reporting a UNKNOWN account with no name, no creditor name and absolutely no way for me to get in touch with said company so how am i supposed to even pay them? I dont even think I owe the debt let alone be expected to pay my hard earned money to UNKNOWN!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I have XXXX accounts and XXXX public record item appear on my credit. I brought the errors to the attention of the Equifax personnel. I received an updated credit report from them ( Equifax ) advising me that XXXX of the accounts had been deleted from my file according to my credit report dated XX/XX/2017 Confirmation Number XXXX, however i pulled a recent copy from their site and it states otherwise ... .. the accounts say they are in dispute. 

I am requesting that Equifax clear the errors and remove the false and inaccurate information from their database once the information is verified and removed from my credit it will not be re inserted. 

XXXX Account Number XXXX XXXX Credit Account Number XXXX US Bankruptcy Case or ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the thirty day mark and has not and will not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter in a timely manner for it has cause me a great deal of pain. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I went to XXXX to request my free annual 12 month credit reports but each company turned me down and had different information and reasons why I needed to fill out forms and answer different questions to information that they asked and most of this information was incorrect. So therefore they requested I apply/request for my free credit reports by mail and provide the information and proof of Identity and addresses and other information that they requested and answer some questions they had before I sent in the forms and proof of information they require. I also am on XXXX thru Social Security and received a letter on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX about my company that I am with for my Medicare part XXXX ( XXXX ) sent a letter stating that on XXXX XXXX, XXXX this company newkirk is a service provider that issues heathcare id cards for my ( prescription drug plan part XXXX ) thru XXXX XXXX XXXX, had a cyber security incident that my have affected my personal information. I am also going to include a copy of this letter to all XXXX credit bureaus and if needed can send you a copy also. But I also had identity theft that filed XX/XX/XXXX. I had put a security freeze on my accounts also back then, I do not know where or what my XXXX digit numbers they assigned me back then are anymore as I had requested these be removed awhile ago. 
Please let me know there is anything further you need from me. I can be reached via email at XXXXXXXXXXXX or text/phone at XXXX. I also have signed up thru myscore and transunion which came back as XXXX an they also states that they will monitor and safeguard my credit reports and I signed up for this on XXXX/XXXX/XXXX. I also will be contacting XXXX company to enroll in the protection services they are providing which are as follows : Allclear Identity Repair and Allclear Identity Theft Monitoring. And providing them with any disputes and information that is in accurate once I receive my credit reports from all three credit agencies. I appreciate your time and efforts in supplying me with any help in this matter. Also if there is anything further needed from me please do not hesitate to contact me. You can also send any information you find in writing or paper form to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, Minnesota XXXX Sincerely, XXXX XXXX XXXX Thanks so much Also my control number thru the office and management and budget is XXXX XXXX this is the control number assigned

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XX/XX/2015 I started a online dispute with Equifax , since then creditors have not been able to pull my credit file due to a Security freeze. I have spoke with the security freeze department at Equifax several times and they have assured me there is no freeze on my file. At the end of these calls they suggest purchasing their credit monitoring to help resolve problems like these. Most recently both XXXX and XXXX XXXX were unable to access my credit file due to this freeze. I feel as though Equifax is not going to resolve this unless I sign up for their monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The Equifax and XXXX Credit have reported collection accounts that are inaccurate in their filings. The Entries : XXXX and XXXX are not mine. I have no knowledge, accountability or have authorized any action these creditors are claiming. I have disputed these inaccuracies to no avail. According to the laws of the FCRA I have the right to dispute inaccurate information with the right to have the credit report updated accordingly. I am requesting the CFPB advocate for me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. XXXX I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the XXXX check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Good afternoon- I have requested on seven occasions now that Equifax remove inaccurate information from my account regarding XXXX . XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Exquifax refuses to conduct a proper dispute. Letter is attached from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect XXXX interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department of Business Oversight or the CFPBThanksC/C XXXX XXXX attorney general state of Ca. 








C/C XXXX XXXX -Attorney General State Of CA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXXRe : Equifax Credit Report of XXXX XXXX XXXX, XXXXI need your help to increase my credit score to where it rightfully should be so that I can qualify for better interest-rate terms. Currently, the credit reporting agencies are inaccurately reporting on my mortgage debt. I believe this adversely affects XXXX consumers ' credit scores ; and by design or not, greatly benefits the financial industry by their being able to justify charging consumers higher interest rates on consumer debt. 
Since XX/XX/XXXX I paid my mortgage on time. But the credit reporting agencies do not reflect reality. In fact, there is no history of me even having a mortgage prior to XX/XX/XXXX. This is inaccurate by omission. 
Paying one 's mortgage on-time for 15+ years is one of the best things to do to increase one 's credit score to qualify for record-low interest rates. 
My Equifax credit report does not show or give me credit for 15-plus years of paying my mortgage on time. Instead the only mention of my mortgage is a two-month period from one mortgage-service company in XX/XX/XXXX. And another 2-year period of on-time payments from another mortgage service company from XX/XX/XXXX-XX/XX/XXXX. That 's it. 
To remedy this error that has already cost me tens of thousands of dollars in higher interest rates and will continue to cost me in higher interest rates until this is corrected, I want the credit reporting agencies to report that I have paid my mortgage on time since XX/XX/XXXX. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I can not obtain my credit report in any way. There is alot of things that were reported on my report that i know are know are not mine. Judgements and crefit accounts and loans that were never mine. They keep sending me form to update incomplete and outdated information. Why? I do not know. All i know is i took rje hit for the past several years for someone elses debts. Unacceptable. And years later i still fo not know what my credit report still has on it or if anything new was added to it. I need serious help with this. Equifax keeps railroading me. I need to move in 3 weeks and i need this information. I pnly have XXXX identity. Not my fault they reported wrong information. And i sent them my information they requested numerous times already. It has been years trying to resolve and nothing has been resolved. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX credit informed that the hard inquiries created by fraud activity would be removed from my credit reports. XXXX still states that they have submitted the deletions to all XXXX major credit bureaus, yet the inquiries are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax will not show my XXXX Credit card accounts. Even after providing copies of statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I attempted to view my credit report by going to www.annualcreditreport.com and once again just like in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ; I still can not view my Equifax and XXXX credit report. This is due to corporate greed ; a manipulative way to divert people from purchasing their credit reports on their site instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As surviving spouse  I am having an extremely hard problem getting my late wife credit report from Equifax. I complied with original instructions of sending her certificate of death and copy of my license.  I received a letter from them stating I also need notarized order of probate court showing me as executor or testamentary that shows I handled my wife consumer affairs.  Neither of these XXXX documents exist. As residents of Pennsylvania none were required because, according to our estate attorney, everything from bank accounts, investment account to property, (house and cars, etc.) were jointly owned. Under PA law all assets were automatically and WITHOUT court orders become the owner of the surviving spouse.   After XXXX hours on the phone with Equifax they would not budge. They told me I am not entitled to see report unless I can produce a document that does not exist and never needed to exist under the laws of Pennsylvania.  Thankfully I have not had this experience with XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted the credit reporting companies in the past to have them remove the multiple listings of several accounts, yet they continue to report them. I wish to have these items removed immediately.

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 status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
unable to get accounts closed/removed with submitting documentations to credit bureau. in addition att sent a bill to collections that was a error of there. has since been retified but going to to 30-90 days to get it off credit report. every time I find errors its another 30 days with an open dispute..

Company response to consumer: Closed with explanation