vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
RE : Equifax I was denied service from XXXX because they ca n't establish my identity thru Equifax. When I tried online at Equifax they ca n't find a file on me even with driver 's license number. I have not had an auto loan since XX/XX/1970 and my house mortgage has been paid off over 20 years ago, although I do have at least XXXX active credit cards. Also have an account with electric company and cable company and accounts at XXXX local banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX, an apartment complex that I lived in 7 years is charging to me to replace the carpet. The carpet was to be replace because of wear and tear

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
There is a judgement from XXXX on my credit file. I never had a collection with XXXX. I contacted the civil court XXXX and provided the court docket number on the file. They had no record of the item. I disputed this with Equifax and it remains on my file. There may have been some name similarity that put this on my file ... .but if the court does n't have it, how did it stay on the file after I disputed it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This problem is STILL not fixed. No one except Equifax can pull my credit. All my information is correct per a phone call, I do not have a freeze per a phone call. I do n't understand why no one from the company has called me at XXXX. This is delaying my mortgage and is against the law. I feel I need legal representation because I am getting no where. Please have the executive office contact me. They also said they would mail me a report and did n't!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I asked this company to remove inquiries dating back to 2015 that are not mine. I paid for credit monitoring services and they still refused to ever remove the inquiries. I simply want the inquiries removed so my credit report is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I had requested a free credit report. I was unable to receive the report at the time of the request. I believe this may have been due to a lock on my wife 's credit, but I can not be sure. I only know that I received a message indicating a problem and that I needed to call. I was not able to call for several weeks, at which time I was informed that the report I had requested was expired and would have to wait a year to receive another XXXX. Unfortunately, I had requested a separate report from each agency and found the same result. I still have not received a report from any of the agencies and can not receive a free XXXX for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed an item on my credit report for a judgement for XXXX XXXX company. I provided Equifax with a copy of the judgement letter that had another person 's name and a different total amount.The person on record was a XXXX XXXX and the amount was {$1200.00}. Dispute having an incorrect name and amount, Equifax still reported that the item belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZED. I HAVE ATTACHED ONE EMAIL AND 1 TEXT TREAD PROVING I DID NOT AUTHORIZED ALL THESE COMPANIES TO RECEIVE MY CREDIT REPROT. TOLD ONE COMPANY ON USE XXXX XXXX. DID N'T EVEN AUTHORIZE OTHER COMPANY TO PULL REPORT AT ALL. 

Creditor Name Inquiry Date Removed By* Type 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 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 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 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other two would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a account thats not not mine should be pay by Insurance because i have Medicaid an Medicare an XXXX XXXX XXXX its XXXX Dollars so it should be pay.Thankyou XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX recent credit inquiries appear on my credit report with Equifax without my knowledge or authorization. XXXX and XXXX did not have any verbal or written authorization to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED BANKRUPTCY IN XXXX 2011 AND INCLUDED MY XXXX XXXX XXXX XXXX # XXXX, BUT I DID NOT REAFFIRM. I HAVE NEVER MISSED A PAYMENT BEFORE OF AFTER MY BANKRUPTCY AND I WANT THIS STATUS REPORTED TO CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX 2011 my wife and I sold our Florida apartment through a short sale with the XXXX. Although this was clearly a short sale, this transaction was reported to the credit bureaus by this Bank ( XXXX ) as a foreclosures. I 'm still paying the note to the bank for the difference of the sale price and the original mortgage note amount due. 
Ever since then my credit has been compromised and ruined because of this false reporting by this bank. Every time the need for a loan or any other credit check is needed on my behalf this foreclosure pops up scaring lenders away. This has been appalling, has been a disaster and continues to be a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX 2008, I filed a petition for Chapter XXXX. I withdrew the petition a week later and made my own arrangement to pay off my creditors. I have sent several certified mailings to Equifax because they refuse to remove. XXXX removed after XXXX years. Equifax is stating that they are reporting correctly. They are not. I never went through with the BK and the statute of limitations is supposed to be XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I viewed my credit report from Equifax and was very upset to see incorrect information on my credit file. I had a XXXX XXXX acct where I was charged for an auto repair that was never done yet the auto mechanic would not give me back my vehicle without payment of which I used my XXXX XXXX card and immediately filed a dispute with them explaining what happened. The mechanic lied to them about the charge of which they told me I had to get another mechanic repair report of which was submitted. They refused to accept the report that the work was not done that was paid for and would not remove it. I continued to complain to them about it as they were sending me statements of which I had to pay even though I did not receive the auto repair that was charged for. So I told them I could no longer send payments for something I never received. My XXXX XXXX acct was eventually bought by XXXX XXXX. That hurt my credit history of which I then contacted the MN Attorney General for help. They were very good in helping me with this problem and were able to force XXXX XXXX to remove the derogatory information that was hurting me as I am in the middle of buying a home! To my shock I find out today that Equifax is still posting this plus they had an inquiry from XXXX that I never had any contact with yet it shows as an inquiry. Equifax said the XXXX XXXX information has not been updated since last year!!! I asked them why their information is n't current? They said it is up to the company 's to update information on customers accts. I filed a dispute today but am very upset that the credit reporting agency 's are not requiring monthly reporting for the public. I told them I have a letter I can fax them from the MN Atty General 's office where it states that XXXX XXXX agreed to remove this from my credit report. They said they would not accept the letter from the Atty General, they will only accept what XXXX XXXX sends them within 30 days. I do n't know what to do. I am in the middle of buying a home and this is only going to make things worse. Equifax does not have current, correct information for the consumers and something needs to be done to ensure the unsuspecting public is protected from having incorrect information as well as current information on their credit files/history. When companies buy debt from creditors they should be held to the same standard as credit card companies or anyone who extends credit. Please help me if you can! This is just not right! I have a letter from the MN Atty General Office as well as a letter from XXXX XXXX where they state they would remove this from my credit history. To date, that has NOT been done. Let me know if you want me to fax them to you since I ca n't seem to attach them to this complaint. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I went to the bank the check was draw an off and asked to cash the check. It was Sunday XX/XX/XXXX and the check was dated for XX/XX/XXXX they declined to cash it because of the post date. I understand that banks consider a check good once it is signed and given to the recipients. Also any check cashed on Sunday would be on Mondays business as I understand it. Brcauce I start work before banks open on Monday this created a problem for me to address my needs

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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax and XXXX should remove this account until a judgement is entered against me that I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have reported these items on my credit file to my credit reporting company ( equifax ) as these XXXX items not being mine and they have refused to remove them and have costs me {$1000.00} 's of dollars and costs me employment and mortgage loans ... .These items are XXXX BANK LOAN for {$19000.00} that is not mine and has XXXX appeared on my file in XXXX or XXXX i immediately notified XXXX bureaus and it was removed from XXXX and XXXX but equifax refused and i asked then to prove this is mine with invoices they i have signed or statements from the company or even loan docs that are for this loan and they have flat out refused my demands breaking the laws put in place by the fcra i want them to prove this is mine and they have refused my requests i will continue to file complaints until this item is removed. The other item as well is not mine and i have requested for over 2 years to remove this as this is not mine Nissan/Infiniti that is not mine and according to the fcra i requested docs stating this is mine and they refuse my requests to show these docs to me signed by me and if they cant show me the proof they must remove it according to the fcra law, they are breaking a federal law and i demand these items be removed at once or i will file a 10 million dollar lawsuit in federal court if it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted numerous requests for verification of my accounts with Equifax, XXXX XXXX, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Since XX/XX/XXXX we have been trying to correct an error in our credit history in reported by the credit bureau. The error consists of the payment for XX/XX/XXXX reported 30 days late for a mortgage with XXXX XXXX. The error continues to this date. In response to our claim the bank send us a letter indicating that error was corrected in their system and that credit bureau was notified ( See Exhibit 1 ). After several a couple of months of monitoring our credit report we contacted the bank to inform them that correction has not been made. The bank indicated that they did what they were required to do and that the problem is with the credit bureau which has not made the correction. They suggested that we contact the credit bureau and ask for a correction. We contacted the credit bureau but never received a response. 
Attached is evidence that that payment was made and debited our account at XXXX XXXX XXXX on XXXX XXXX, XXXX. 
We appreciate your help in getting the credit bureau to correct the record. We would appreciate a notification of the correction made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
the problem I have first came to my attention when I asked for an increase limit on my credit card and was denied the return letter from the credit card company stated my credit score was XXXX. I had signed up for a credit watch with trans union which stated that my score was XXXX+ and other s have it at over XXXX who is not telling the truth I think I am kett artificially low on purpose can you help

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 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
old account / over XXXX years oldwas previous deleted now Reinserted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
IT IS DIFFICULT TO VIEW THE REPORTS TWICE. I AM TRYING TO LOG BACK INTO TRANSUNION AND CAN NOT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
Date of purchase : XXXX/XXXX/XXXX Reason for Complaint : The contract written up by XXXX XXXX was not completed properly. In the Federal Truth-in-Lending Disclosures box the Total Sale Price is incorrect by {$4100.00}. I received a correction letter from the lender, Ally acknowledging the mistake on the contract, but due to the fact that the mistake is in the Federal Truth-in-Lending Disclosures box, violating the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Yet, it was still accepted and funded by the lender. 

After talking to the lender on recorded lines, ( first to XXXX - employee # XXXX XXXX and second to XXXX - employee # XXXX XXXX, they tried multiple times to say that they would just have their administration department make the changes to the contract, which is not legal due to the location of the mistake on the contract, and tried to manipulate the conversation to make it seem like I was asking them to make the changes to the contract. 

Finally, I spoke with a Supervisor named XXXX - employee # XXXX XXXX multiple times over a 1 week period to XXXX - employee # XXXX XXXX ) I was told that I was correct that the contract is not valid, that the mistake is not my fault, and that I was not responsible for paying it. I was also told that if it were to happen again in the future, I would be liable and if I do n't pay my credit would be negatively affected. She was supposed to get in contact with XXXX XXXX to inform them of the situation and unravel the deal and then call me back. She never called me back, so I called her. She then proceeded to tell me that both XXXX XXXX and Ally agree that the contract is sufficient, and that I am ultimately responsible after all. However, as mentioned before, the contract violates the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. 

Copies of the contract and correction letter are attached to this complaint.

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 non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is XXXX public record from the collection agency that I have no knowledge about it. They are inaccurate on my credit report which affect a lot on the credit score since XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation