vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A lot of negative inaccurate debit that is over decade old and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I 'm writing regarding a lien which was released and withdrawn by the XXXX on myself and my wife XXXX XXXX XXXX. The lien was recorded on XXXX/XXXX/XXXX, released on XXXX/XXXX/XXXX and withdrawn on XXXX/XXXX/XXXX. On XXXX separate occasions, my wife and I requested the lien be removed from our Equifax credit report. XXXX times Equifax refused to remove such. Today I called their toll free number and was told that it could not be removed until XXXX. 
Respectively, this is unfair and unacceptable. Upon notification of the tax withdrawal, both of the other credit rating companies completely removed the adverse information from our reports. I am hereby requesting your assistance in removing the information from my and my wife 's Equifax credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hAve XXXX hard inquiries that I have not done. 
XXXX XXXXXXXX EquifaxSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed Equifax 's reporting of XXXX XXXX AS INACCURATEAND INCOMPLETE WITH SPECIFICITY AS TO WHAT IS inaccurate on at least XXXX occasions.XX/XX/XXXX confirmation # XXXX, XX/XX/XXXX confirmation # XXXX, XX/XX/XXXX CONFIRMATION # XXXX, AND XX/XX/XXXX confirmation # XXXX.XXXX IS A CLOSED ACCOUNT yet willnot report a close date leading to others to believe upon receipt of Equifax reporting that the account is open.XXXX XXXX REPORTS A LAST PAYMENT AMOUNT ANDSCHEDULED PAYMENT AMOUNT OF XXXX.these are obviously erroneous on their face. 
the lack of detailed reporting obfuscates Equifax 's and XXXX colluded extortionof illegally excessive fees contrary to XX/XX/XXXX CREDIT CARD ACT. 
EQUIFAX , ALONE CAN NOT REPORT INACCURATE OR INCOMPLETE INFORMATION '' ON THE FACE OF THE RECORD '' WITHOUT BEING IN VIOLATIONOF FCRA regardless of creditor verified reporting.I WILL LITIGATE PRIOR TOSTATUTE OF LIMITATION ALLOWANCES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
An account that I cosigned on XX/XX/XXXX was paid in full and had been paid in full in XXXX and closed in XXXX showed up my equifax report in XXXX. I submitted a complaint in XXXX stating that the account was closed almost 11 years ago and they needed to remove this. XX/XX/XXXX this account was reported that it was derogatory and we filed a dispute and XXXX sent us a letter telling the credit bureaus not to report it any more. We asked that it be removed the credit bureau investigated and their investigation showed we did have that account and so they would n't remove it. They stated it would stay on our records for 10 years from XXXX. We never disputed the fact that it was n't an account we cosigned on in fact I stated that in my explanation of the complaint. we were disputing the fact that it had been over 10 years since the account was closed that that far exceeded the 7 year reporting limitations on the account. When we had the problems XX/XX/XXXX with the reporting of this account as derogatory, XXXX sent letters to my husband and me verifying the accounts were closed in good standing with no deliquencies and the credit bureaus were to not report this account. Now how does the credit bureau think they have the right to report this account for ten years from the time we disputed it and they ignored the time the account can be reported by law and now they want to keep it on file another ten years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Bankruptcy reports not removed in timely manner from Equifax despite disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Equifax XXXX XXXX XXXX XXXX- XXXX two times XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX- Equifax XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I spoke with XXXX XXXX XXXX ) this morning to get an on-line copy of my credit report due to numerous errors. XXXX claims he could not send report on-line it has to be mailed. I advised XXXX that he was a liar because each time I can get in contact with Equifax ; they send the report they way I request it. I hung up on him and tried to do a dispute on-line, it states my information is wrong and to fax dispute via XXXX. I know most of the information on my file is incorrect that is why I am fixing it hopefully for the last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the Equifax on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
My social security number is showing my sons social security number as my own I have tried 6 times to resolve this mixed up issue with all credit reporting agencies, I have Faxed, called and paper mailed copies of my accurate personal info. to mixed department disputes with a bold heading " Update Personal Information '' Equifax, XXXX ; XXXX. Without any corrections being made in spite of my ss card copy my pa license copy and my 2016 XXXX copy. The only response I was sent was another request to verify my personal info. asking for the same Id verification items. This is frustrating, as my son is only XXXX and is just starting out fresh with his credit building. I am just insisting my correct ss number is changed to my correct number! Please help! 
Thank you for your time and concerns regarding my problem XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a hard pull inquiry for XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have contacted Experian about it a few different times and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. This is bringing my score down and is n't fair to 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 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Original Complaint - was dismissed through this portal, and no action was taken. 
It is being repeated because, the account is inaccurate. 

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. 

The XXXX XXXX Tradeline 's XXXX XXXX Should be " Closed ''. It currently has XXXX - even though there is a published Close date, The Comments on this account are inaccurate. 
The High Credit, is inaccurate - You display XXXX, and the report shows XXXX. The comment say, XXXX - which is wholly inaccurate. 

Please look at both screen shots from your product. 

XXXX XXXX would have communicated that this account is CLOSED, as it published a Closed date and at the Consumers Request - in the comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
They are showing a collection account as unpaid with a {$630.00} balance and are telling me they have contacted the original creditor along with the collection agency and verified it. I have contacted original credit and the collection agency and they both have that the account was paid in full with a {$0.00} balance. Equifax will not correct my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to get a state tax lien removed off my credit report, it has been satisfied for years and is stopping me from getting loans and credit in my name..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have a student loan that went into default, I repaid it through the XXXX program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my fico score and this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, the State California Board of Equalization filed a lien for unpaid sales tax in the amount of {$4000.00} Account No : XXXX ( file no. Doc no. XXXX ). This account is a business sales tax from the business that my partner and I no longer own, aka my husband/business partner, Equifax continue to report the business Public record in our personal credit report despite of my several attempts to dispute the account/public record in question. I 'm unable to refinance my vehicle due to my credit score continue to drop. The lien has been deleted from XXXX and XXXX in XXXX, except for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
My son and family wanted the property but they were not able to keep up payments I helped for years but XXXX XXXX I could no longer assist. 
My loan was originally with XXXX where they allowed me to try a short ale sale to avoid forclosure. After 18 months on market a bid came in and at the that time loan was sold to Bayview Loan Servicing Loan # XXXX and they rejected it so at that time I requested a deed in lieu. On XXXX/XXXX/XXXX I have sent application and since then repeatedly sent documents including the application package twice XXXX XXXX, XXXX then on XXXX they request final document which was sent now on XXXX/XXXX/XXXX the same documents are being requested. over again they were sent either to their document email, processors email or XXXX. And still have issues they have n't received them. Today I again emailed them. It is difficult to get someone on phone. I held 15 min when I asked for a manager then gave up. I would like to be approved for deed in lieu or they can advise me they will move forward with forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NCS agreed to remove a debt listed on my credit report in XX/XX/2014 but when I recently reviewed my credit report NCS has once again started reporting the debt that is NOT mine. This will be my last attempt to placate the matter before involving the Federal Trade Commission and Attorney Generals Office. I will be forwarding all correspondence to my attorney for review. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt was acquired by a individual who I was going to move with, so we filled out the forms for the apartment and he gave a deposit check/ by the way his name is on that account only, not only that the apartment application was denied because of debts on his credit not mine soooooo I don ; t understand why they think they cn naow put this on my report when i was not denied the apartment as well as i did not give them the check so how the XXXX is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
A collection agency started to call. They pressured that my account was up for review and that I will be sued if I did not make a payment. The company has refused to work with what is within my means of living. I was recently homeless, trying to obtain healthy living standards. I offered them a deal. They refused. I can not pay full balance as it was an eviction and in the upwards of a few thousand dollars. I am XXXX years of age and a student. When they call, it is in snarky tone and condescending. I did not stay at the complex for 8 months. After the fact they want to charge for 8 months rent and bonuses. That is why I offered them a lower % back because the complex had the opportunity to fill the vacant spot. As this was happening the complex sold itself to another financial institution. Causing new management, not being able to obtain old records with approximate balances that were updated and account information. Causing the new collection agency to collect on debt that is wrongful. Along with their obscene behavior. Plus threats to take action that were never taken should be adequate enough to where this account is dismissed. The original creditor has sold the account. Thus leading the collection agency not owning the original debt as well with no proof of transactions. I also have no received anything in mail by the agency after I disputed the information they provided and they continue to call back without verifying the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: NE

Complaint narrative:
This debt has been re-aged. I 've filed disputes and had the credit bureaus remove this debt, multiple times, and each time, a new company buys the debt and reports it as new debt. It is not new debt. I have not even lived in XXXX in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
There was a debt of {$1900.00} being reported by XXXX on my credit report it was removed in XX/XX/2016 under a company called XXXX now it is appearing back on my credit report under the name Solomon and Solomon for the same account that has already been removed. I have disputed this numerous times with the credit bureaus with no changes made. What can be done to correct this it is hurting my score. I 'm sure I 'm not the only one this has happened to. Is it legal under the FCRA.?

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 2017-03-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WAFD BANK
State: WA

Complaint narrative:
My primary mortgage has a foreclosure sale date, I am trying to do a short sale but Washington Federal will not work with my Realtor/agent. They refuse to even give a fax number for her to work with them on the short sale.

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 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solomon and Solomon, P.C.
State: NJ

Complaint narrative:
Please see XXXX page attachment for this information but this is a 3 years piece of alleged fraud and theft to and against me on a removal of my electric meter and then a rewire to my landlords son 's meter causing a possible 80 % increase to my costs

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 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
I closed a checking and savings account at First Merit Bank in Ohio. I had an automatic payment setup from my credit card to use the account that I did not remember to update to my new bank account. I received an overdraft fee because the balance was {$0.00} and the transaction was not declined even though the account was closed 20 days prior to the incident.

Company response to consumer: Closed with explanation