vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have filed more CFPB complaints against Equifax than I can count. The company has repeatedly failed to take proper action to correct my credit report. 

I have nearly a dozen accounts with incorrect information on my credit report. This includes incorrect balances, accounts that are closed being reported as open and duplicate accounts. I have notified Equifax of problems with my report multiple times, you can view my complaints with the CFPB as proof of this. 

For example, my credit report lists XXXX open XXXX XXXX accounts when I have XXXX open accounts. It lists XXXX open XXXX accounts when I have XXXX open account. It lists XXXX open Comenity accounts when I have no open accounts. The list goes on. Some of these accounts have not been updated in years. Equifax tells me it 's the creditors fault. The creditors tell me it 's Equifax 's fault. Nobody wants to rectify this. 

I have spoken to the public affairs department at Equifax which is rude and unhelpful. A gentleman took a dispute from me but so far nothing has happened with it. The creditors have ALL CONFIRMED THEY ARE REPORTING TO EQUIFAX O THE PROBLEM IS WITH EQUIFAX NOT THE CREDIT COMPANIES. 

There is XXXX a problem with my report where information that is being reported by the creditors is not being updated for some reason. My other credit bureau reports are updated fine, so I know the creditors are reporting. This is happening with a multitude of creditors too, so it 's not just XXXX company that is having a problem placing information on my Equifax report. Accounts are updated for a few months, then the reporting stops and I am left with incorrect information ( i.e. that closed accounts are open ). This is a huge problem and has a huge impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed this account many of times. To verify my social and DOB and name is not validation to the debt. This account has been removed by XXXX and XXXX. I have made outreach to XXXX XXXX on XXXX/XXXX/16 and I never received any documents showing I owed this debt. I have sent screenshots of my communication with the collection agency. If they ca n't provide documentation then the account can not be reporting on my credit report. Anybody can say I owe debt and have my social name and DOB but with out proper documents what does that mean ... nothing I will show proof that I have reached out many of times to the credit bureau and the collection agency. Still to this day I never received anything. I was getting the run around about when they were being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed numerous accounts with proof of Police Report and Fraud Investigator 's Report. I have been disputing the same accounts with Equifax for over a year now in which not only have i faxed the reports but also sent them certified mail twice.I am a victim of Identity Theft. Even on the Police report, it tells you the persons that stolen my identity. Equifax INSISTED they WERE MINE and VERIFIED by THEIR INVESTIGATORS! Yet, XXXX and XXXX has removed every one of those accounts. I have attached the letters, police report and FTC reports, ID and SSN card in which I have sent to Equifax. please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 'm a victim of identity theft some took my information and try opening up lots of accounts in my name and left lots of heard inquiry on my report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received a letter stating that the XXXX XXXX XXXX account in not currently reporting ... yet I still see that it is reporting. If it states not reporting then it should not still be on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Credit shows balance due. Balance should be at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I was a victim of identity theft. The IRS verified this and sent me a notice. Attached hereto. On or about XX/XX/XXXX, I was a victim of fraudulent charges on a XXXX XXXX credit card. I reported the fraud charges to XXXX, which is the bank used by XXXX XXXX, but they refused to remove the fraud charges. XXXX finally provided me with the invoices that clearly show forged signatures or scribbling of an unknown signature. Clearly not identifiable. Attached hereto. XXXX 's own policy confirms that customers are not responsible for fraud charges. Copy attached. In fact, on XX/XX/XXXX in a telephone conversation with XXXX XXXX, Vice President and Senior Program Manager, she admitted that the charges were fraudulent. I have repeatedly maintained my position that I was a victim of fraud. This is racial discrimination as I am being threatened and having my civil rights violated in order to force me to pay fraud charges. I soon learned that my unblemished credit reports were damaged with XXXX 's intentional of affliction of racial discrimination by reporting false information. It should be noted my credit reports do not show any negative information other than XXXX 's. I disputed the fraud charges and they have not been removed. The credit reporting agencies have failed to make XXXX prove beyond a doubt their claim that the charges are correct. In repeating my position that these are fraud charges, I am losing control of my health. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is regarding fraud that occurred on XXXX/XXXX/2015, when a XXXX account was opened in my name. I have a police report, and documentation from XXXX that they are aware it is fraud. They also reported the same to Equifax on XXXX/XXXX/2015, and again on XXXX/XXXX/2015. I disputed it as fraud, on XXXX/XXXX/2015 and again on XXXX/XXXX/2015. Each time they came back stating this was a valid inquiry. I have a fraud alert on my report with all XXXX bureaus, yet they refuse to remove the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of the US Office of Personnel Management ( OPM ) identity theft, that has been widely reported. I obtained documentation from OPM & contacted my local police. Local police said they had no jurisdiction, since the matter regarded a US federal agency & to contact the Federal Bureau of Investigation ( FBI ). I contacted the FBI & received a " Complaint Referral Form '' from them, containing my reported identity theft. I submitted the OPM & FBI letters, twice to equifax, requesting a security freeze, at no cost, as required by law. Each time, equifax replied with a vague letter, which all that I could gather, was they were not going to grant my security freeze. The letters did not contain an explanation or valid phone number for equifax, but were somehow able to contain the valid phone numbers of equifax 's competitors, XXXX & XXXX XXXX. I called equifax, XXXX, & requested they explain why I was not being granted a security freeze. I spoke with XXXX, XXXX, then XXXX at equifax. XXXX said the letter I received from the FBI & sent to equifax is not a valid police report. When asked to explain what it is equifax is expecting, XXXX stated she does not know what a FBI police report looks like, other than she expects it should say " police report '' on the top. I asked to speak to XXXX 's supervisor to which she informed me she was a manager & refused to connect my call further up the line. 

equifax is refusing to grant me a free security freeze, as required by law, even though I have met all the requirements. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
My card was closed because I filed an excessive number of disputes. What would be considered an excessive was never disclosed anywhere. They also said I did n't submit information with disputes, where most of the time I did, but the times I did n't were because I wasnt able to. 

There were also errors made in how they dealt with me asking for information in reguard to a transaction from a merchant. They considered that a dispute and ultimately used that to close my account. And they will not let me reach out to anybody else. 

Please note I have also recorded the call where they admitted all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 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 would like to complain about EQUIFAX because they sent me a letter on XXXX XXXX denying me an investigation regarding accounts that have been delinquent and inactive since 2008. I have suffered over 8 years at the inaccurate reporting of these accounts and they keep leaning on their false information and using it again me and refusing to conduct an investigation. They are reported incorrectly and these accounts have not been paid or negotiated with since 2008. A ) XXXX XXXX B ) XXXX XXXX XXXX # XXXX C ) XXXX XXXX Bank # XXXX are all inaccurately reporting. I demand all paper work they used to verify and deny me my removals. The dates of delinquency are inaccurate and further unverifiable and outdated, these accounts are incorrect. These are not lawfully or honestly reported and this is a sever violation of FCRA law and CFPB guidelines. Please help me pursue an appropriate investigation against their lack of investigation and legally removing these terms. I would like to know my options in case i am in need of an attorney. They are pushing me away and asking me for a statement, which i absolutely refuse because that would make their illegal and incorrect reporting allowable and that is not fair nor is it legal. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
The credit line on my Discover card was lowered from XXXX to XXXX because my credit bureau report in XXXX 2016, showed unusually high balances, and no payment on my Discover card. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. For example, whatever was due on my Discover was due to fraud, and the Discover fraud department cleared all the unauthorized charges to bring me to a XXXX balance. My credit bureau report as of now shows XXXX balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right that Discover should penalize me by lowering my credit line due to unauthorized fraudulent activity out of my control that showed temporarily on my credit bureau reports. There are fraud alerts on all XXXX of my credit bureaus now to prevent this from happening again. My credit bureaus shows perfect again with XXXX balance due on all my credit cards. I request that in fairness Discover reinstate my proper credit line of {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is improperly giving my personal information to a company called " XXXX without my permission. I received a letter from this company telling me I have a negative items reporting on my account. I do n't if this is a legitimate company or not but when you call them you can not get through to a live person and the website " XXXX '' is not working. This company insists that they are an Equifax company. The letter then has the audacity to ask people to apply their social security number and dat of birth and then mail the letter back. How is Equifax allowed to just share my credit report without me explicitly giving my permission. I would really like this companies practices to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Case Number # XXXX XXXX. Well back on XX/XX/XXXX I sent a letter to the Bankruptcy Courts telling them I recently disputed information that was on my credit report that is not reporting accurately. They stated that they have verified the information, and have informed me i need to contact the Furnisher of the information. So I requested that they send me their procedure for verifying information with the credit bureaus. Per the FCRA623 ( a ) ( 5 ) : '' If the Credit Bureau can not Validate the information with the Original Creditor, they must remove said information from the consumer credit file ''. On XX/XX/XXXX the Courts mailed me a letter which emphatically stated that they do Not provide any information to credit reporting agencies, nor do they validate and/or confirm public records. It is the Credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is Never validated by the Recorder of Deeds nor the U.S. Courts system due to the Fair Credit Reporting Act do to PRIVACY LAW. My inquiry to the U.S. Bankruptcy Courts confirmed the Equifax Credit Bureau has Never validated or verified these public records entries on my credit report, neither will they ever be by them. On XX/XX/XXXX I wrote a letter to XXXX with the same information from the courts. On XX/XX/XXXX XXXX wrote back that they deleted from my file case # XXXX, so I wrote Equifax, XXXX and XXXX that XXXX XXXX had deleted all and everything with the Bankruptcy on their file. So I disputed it with all XXXX Credit Bureau and they all come by saiding they verified that account with XXXX XXXX. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1. Defamation, 2. Negligent Enhancement of Identity frauds 3. Violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX XXXX XXXX XXXX. This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian XXXX. I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Debt amount is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been trying to dispute a hard inquiry from XXXX XXXX since XXXX 2015. I did not authorize XXXX XXXX to do a hard inquiry on my report. I have contacted XXXX XXXX and even provided proof that the hard inquiry was not authorized by me and should not have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 'm really running out of patience and I just do n't know what to do at this point! I have used a credit repair company and now am disputing myself with the XXXX bureaus. I have accounts on my file that continuously come back as " verified '' and yet I have never received any documents, I have never received a description of their procedures in detail which I have requested and I have never received any documentation proving ownership of any of the accounts. How can they say that these accounts are verified when they do n't have any documentation? How can they just take the creditors at their word? Do n't they have a responsibility to actually do a real investigation? I understand that they only have a few minutes to do an investigation, but that 's not my problem. That 's a problem on their end and i should n't be a victim of their money-making scheme. I already made a complaint with the TX Attorney General so each of the XXXX bureaus will be receiving either a call or letter and will have to explain themselves. Who did they speak with at the creditors? What date? what was their name? What documentation was used?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Our Loan has sold a few times, Now trying to do a loan mod we see that our loan is almost XXXX grand Higher, and we have missed something in the process of Fees. Seterus, now Has our loan an can not explain what happened. We are now trying to take Part of what they deferred and put our loan back together. So many people got help, but we are stuck with a high interest rate, owning a home since 2006 upside down, willing to keep our loan/ home, but did recently file BK, Is there anyone who can help us get a good loan? and who tells us why our Home that we bought for XXXX, ( top of the Market ) putting our life saving down of {$110.00} down, to owe {$330.00}, is now {$370000.00}. Home is worth about {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Submitted application for Loan Modification to Dovenmule mortgage companies loss mitigation department..They have not stopped collections activity even though they have the application package return with all the documents. They sent someone out to my home today with documents to sign. I was not at home and they would not tell the person at the home what it was in regards to. They only stated that I needed to call the mortgage company. This is harassment. They are taking their sweet time process the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 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: N.A.R., Inc.
State: UT

Complaint narrative:
I RECEIVED A LETTER FROM A COLLECTION AGENCY NAMED N.A.R.INC. FOR AN OUTSTANDING DEBT TO XXXX. I DID USE XXXX ON XXXX/XXXX/2012 WHICH I PAID IN FULL AT TIME OF SERVICE. I HAVE RECEIVED NO BILL OR PHONE JUST XXXX DAY I GOT A BILL SAYING I OWE XXXX DOLLARS TO N.A.R. SINCE THEN MY CREDIT SCORE HAS DROPPED FROM A XXXX TO A XXXX FOR A DEBT I DO NOT OWE. I GET NO RESPONSE FROM XXXX. THIS IS RIDICULOUS A COMPANY CAN RUIN MY CREDIT FOR A DEBT WHICH IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
My Discover Card is charging me {$41.00} for a magazine subscription I never ordered. I contacted Discover and finally they claimed to have found in my favor and would take the charge off the card. Then a month later, they reversed their decision and tried to charge me again. I contacted them again and they took it off the credit card. Yesterday I got a letter saying they are charging me the {$41.00} again. This is a fraudulent charge and Discover will not take it off the card.

Company response to consumer: Closed with monetary relief