vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Equifax in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Equifax , I certified that XXXX had not responded to me within the required 30 days. Equifax then used the same false reporting from XXXX to " verify '' the false information. Equifax failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Equifax on the matter, the Equifax staff member confirmed that Equifax is using an " update '' from XXXX as verification. Per the Equifax phone staff member : the " update '' from XXXX does not contain any documentary evidence that Equifax has or can provide to me, but they are using that rather than my submission of documented evidence to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM FILING MY SECOND COMPLAINT AGAINST DISCOVER CARD. AFTER NUMEROUS GOOD FAITH LETTERS AND FIRST COMPLAINT, I RECEIVED A FORMAL RESPONSE AND A PHONE CONVERSATION WITH XXXX XXXX IN THE CUSTOMER ADVOCACY DEPARTMENT. DISCOVER HAS FILED A LAWSUIT AGAINST ME THROUGH XXXX LAW FIRM. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies AND FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. MY FIRST LETTER OF FORMAL DISPUTE WAS MAILED OUT XX/XX/2016 AND WAS FORMALLY DELIVERED THROUGH CERTIFIED MAIL XX/XX/2016. XXXX XXXX CLAIMED THE FIRST LETTER WAS RECEIVED XX/XX/2016 WHICH IS NOT CORRECT AND I HAVE PROOF. SECOND THE DISPUTE LANGUAGE WAS NOT ADDED TO MY CREDIT REPORT UNTIL AFTER I FILED MY COMPLAINT WITH CFPB. ACCORDING TO XXXX XX/XX/2016 IS WHEN THE DISPUTE LANGUAGE WAS ADDED TO MY CREDIT REPORT AND ACCORDING TO XXXX XX/XX/2016 IS WHEN DISCOVER REPORTED THEM OF A DISPUTE LANGUAGE ON MY CREDIT REPORT. LAW SAYS IT HAS TO BE 30 DAYS FROM THE TIME THE DISUTE LETTER WAS RECEIVED. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
My funds at my Bank account was taken out without my permission. 
A signature was forged. It was not my own. I never got a letter or a email. I never agreed on that withdrawal at th time. 
This was on XX/XX/2015. For the sums of {$4300.00}. Dlb the amount that is owed. 

I called the dept collection agency, I had to agree to pay {$2100.00}. So that they can release the rest of my money back to my bank account. Seem to be the only way. This was yesterday Now my conditional money that was to be released, has not been obseved. The bank or the dept agency does not know where its at. 

Yesterday i was told that by the dept agency that they needed a signature fax over in order to release the rest of my money. Today the money isnt there. The bank dont have it nor the dept collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX, reporting on credit report. 
Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX closed by credit grantor/ paid / never late .. 
Expired time .. 11 years old on report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has refused to release my credit report via annual credit report, XXXX XXXX, and other credit monitoring sites. I have no way of tracking it and seeing what is inaccurate on there. This is not right and needs to be taken care of. At first I thought there was a fraud alert so I sent in a letter to remove it but it still is blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
IM sick and tired of trying to get a credit report that has everything on it. not like some of the services they sell. i want to pay {$12.00} for my credit report, but they cant verify my info. they say i have to mail them all kinds of proof of ID. YET I CAN SIGN UP FOR XXXX OF THEIR MONTHLY FEE BASED CREDIT MONITORING NO PROBLEM. NO MAIL. .JUST GIVE US YOUR CC # AND YOU 'VE GOT OUR CREDIT WATCH FOR {$20.00} A MONTH.. THIS SHOULD BE ILLEGAL. THEY REFUSE YOU YOUR REAL REPORT BUT OK YOU FOR THEIR MONTHLY SERVICES WITH CREDIT REPORT AND CREDIT SCORES. THESE ARE THE SAME PEOPLE WHO CONTROL OUR CREDIT AND LIVES. THEY CONTROL OUR CREDIT AND THEN ARE ALLOWED TO MAKE PROFIT ON THE SIDE. THAT SEEMS LIKE A CONFLICT OF INTEREST TO ME. COULDNT THEY BLACKLIST ME FOR COMPLAINING OR NOT LOOK AT MY DISPUTES OR ANYTHING. AND XXXX PROBABLY RECEIVE BACKLASH OR PAYBACK FROM THEM, BECAUSE THEY 'RE ABOVE THE LAW. THE GOV NEVER DOES A THING IVE MADE COMPLAINTS BEFORE, WHOSE LOOKING OUT FOR THE CONSUMER. GOOD OLE XXXX THE PEOPLE IN FAVOR OF CORPORATIONS. AND IM A XXXX. YOU CANT DISPUTE ITEMS FROM THEIR MONTHLY SERVICE. 

LET ME SAY AGAIN,,,,,, I CAN GET MY CREDIT REPORT FROM ALL XXXX AGENCIES WITH THEIR DIFFERENT PAID SERVICES RIGHT NOW AT {$60.00} A MONTH. BUT I CAN NOT GET MY REAL ONE BECAUSE THEIR CONCERNED ABOUT MY ID OR FRAUD. CAN ONLY GET THROUGH THE MAIL. BUT WHEN YOU PAY YOU CAN HAVE YOUR REPORT IN XXXX MIN. BUT YOU HAVE TO HAVE THE REAL XXXX TO DISPUTE. I DONT HAVE TIME TO MAIL THAT XXXX. IM XXXX AND DONT GET OUTSIDE MUCH. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler keep sending me letter telling me that going to sue me if I do n't paid an unpaid medical bill that I should not be paying. They keep calling and harrassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Back in XX/XX/2016 I sent a certified letter disputing some things and i received the green card back on XX/XX/2016 and they sent me a letter asking me to show my identity I sent it in certified and i received the card also and i called them and they are saying that they did n't get any of my information but i received the XXXX stated that They had gotten the information. And in XX/XX/XXXX i called and spoke to another Representative and she open up a new despite and i did not approve of that. And now i called back to speak with a supervisor on XX/XX/2016 about what is going on and now they have put on things that i have destitute in the past from a year ago and this has affected my credit report in a negative way.

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

Complaint narrative:
An address listed on my Equifax report where I have never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For the last XXXX to four years I have tried and just last month to get Equifax ( etc. ) to correct XXXX credit reporting. Although, these loans have been consolidated and finally paid off with XXXX- Just last month showed XXXX. XXXX XXXX XXXX with a delinquent paid of loan with monthly payment of over $ XXXX. and the total loans back to gross amount despite that I am a XXXX going on fifteen years with loan reductions- Note : Never late as they were under forbearance/deferment as any of my loans all show current. I have 'no ' payment at this time and there are and will be further reductions. Please, assist my dispute report I had XXXX ; without corrections and now they show me at XXXX. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Name XXXX XXXX XXXX is not my name. It is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Burton Neil & Associates, P.C.
State: NJ

Complaint narrative:
I was contacted by XXXX XXXX XXXX on XXXX XXXX, XXXX, about a medical bill from a company called XXXX, in the amount of {$3600.00}. I immediately contacted the sender by phone and disputed the claim its entirety, as I had never even heard of the provider, XXXX. I also stated at that time that I had never received any treatment or entered into any contact from the provider. I was told they would send copies of the bill, but nothing ever came. 

The matter was then sent to a collection attorney, XXXX XXXX of Burton Neil & Associates, and on XXXX XXXX, XXXX, I received a letter and again disputed the claim, in its entirety, in writing and requested proof of the claim, as well as any and all copies of agreement and invoices for services rendered. I received no response. 

Instead I then received a demand letter from attorney, XXXX XXXX of Burton Neil & Associates. After receiving said demand letter, I again disputed the claim in writing, indicating that I never had any agreement nor received any services from their client. I again also requested proof in the form of any agreements, authorizations to provide services, signed agreements to pay or bill, as well as itemized statements of services rendered and records of care. They sent none of the requested information. 

Instead of providing any proof of their claim whatsoever, the office of Burton Neil & Associates filed a complaint against me in the XXXX Court XXXX, in which they specifically stated that they had an " Agreement '' in said complaint, when in fact, they knew full well that no such " Agreement '' existed. In fact, to this day, they still have never answered any of my several written requests for proof, have never sent me copies of agreements, copies of invoices, nor any itemized statements of services rendered. I have never hired their client to perform any healthcare for me at any time. 

I am preparing to defend myself in Court against this firm, which I believe is using the Court system as a blatant strong arm collection tactic, when in fact, they know full well that they have no proof of any claim whatsoever. I have found many incidents of this firm doing the very same thing to others, who are laymen when it comes to legal issues. They file unsubstantiated claims in court and then move for a default judgment and attach wages, when the defendants never owed any money to begin with. 

I will not be another victim of this shady law firm and their abuse of the court system. I respectfully request that this matter be investigated so that this firm is exposed for the constant unlawful collection tactics that they continue to exercise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Result of Our Re-investigation from Equifax : " If you believe this was unauthorized, please contact the creditor. If you have addition questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX Phone ( XXXX ) XXXX. '' On XX/XX/2016 I phoned XXXX per Equifax letter XXXX and talked with XXXX ID # XXXX she verified using my ss # it was not mine. Transferred to XXXX XXXX credit card ID # did not have. Verified my ss # this was not mine, transferred to XXXX in Auto Loans, verified my ss # this was not mine, transfered to XXXX XXXX Customer Service Mortgage Services, verified my ss # this was not mine, transferred to XXXX, XXXX Executive Office, verified using my ss # this was not mine. ( TOTAL TIME I WAS ON THE PHONE 1 HOUR 2 MINUTES ) Equifax needs to be responsible call XXXX themselves, verify and remove the Credit Inquire which hard hit my credit file. This mistake needs to be removed immediately from my Equifax file. This is a careless mistake hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filled out the request form for my free credit report from Equifax on XXXX/XXXX/15 and upon my completion they requested a fee of {$7.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
They are reporting that i missed a payment on my student loan and i have never been late, and also reporting that it is a collection/ closed account and that is not correct. It also is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please note that this was placed on my credit in error. This should be removed from my credit profile immediately. XXXX XXXX XXXX has acknowledged that this should be deleted off of my credit profile. XXXX XXXX XXXX XXXX has since filed a UDF ( Universal Data Form ) with all the credit bureaus to have this removed from all XXXX of my credit profiles. Please have this removed immediately and forward me confirmation that this has been done. I have attached a print out of the email XXXX XXXX XXXX sent me to confirm that they have requested this deletion. Please see the contact information for the XXXX XXXX XXXX attorney that has been facilitating the correction below : XXXX 

XXXX XXXX XXXX XXXX, VA XXXX Toll Free : XXXX ext. XXXX Phone : XXXX ext. XXXX Cell : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX fil3ed a debt collection against someone else, XXXX XXXX. on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp
State: MD

Complaint narrative:
A company called Equitable Acceptance is charging me {$39.00} a month to consolidate my student loans through XXXX. I was contacted by a company called XXXX in 2015 that told me they could consolidate my student loans. In order for them to complete the process I had to pay a monthly fee of {$39.00}. I filled out a income-based student loan form that I downloaded from XXXX and submitted. I was then contacted by XXXX, to confirm I wanted to apply for a income-based student loan program. For the past year I have been paying {$39.00} a month to a company called Equitable Acceptance, and I was under the impression that in order to get the income based payment, I had to continue to pay Equitable Acceptance. When it became time to renew my income-based program, Navient contacted me and asked if I wanted to reapply for the program, I told Navient that I was told by Student Advocates that the {$39.00} a month fee that I am paying, will automatically keep me in the income-based program. XXXX explained to me that XXXX and Equitable Acceptance are both scams and have nothing to do with the Department of Education or Student Loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax removed XXXX accounts off my credit report. All accounts were not old and this has effected my credit score. I have attached the credit report with all XXXX accounts. 

XXXX XXXX XXXX account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have never been more than 30 days late with XXXX! My account is due on the XXXX of each month! They also called and offered me a deferment on XX/XX/XXXX and the they indicated that it was a promotion that they were running for all customers to skip XXXX XXXX 's payment. The customer service agent did n't put the extension in until XX/XX/XXXX, which is a mistake on XXXX 's end and not mine! I agreed to the terms and then 45-60 days late shows up on my credit report! I am demanding that this inaccurate information be removed from all of my credit reports and that includes Equifax , XXXX and XXXX! Even the resolution representative at XXXX requested that it be removed, because I have never been 30 days late. This is inaccurate information that must be removed from my credit report. As you see in the attachments is that I should not have a negative mark on my credit report. Under federal law the account has to be 30 days past due the due date to be eligible to be reflected on a credit report! They know that this information is erroneous and inaccurate. I was a few days late on XX/XX/XXXX 's payment and paid on XX/XX/XXXX, for XX/XX/XXXX, but I have never ever been 30 days late!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My FICO score has been dropping ever since the Federal Reserve began debating raising the bank interest rate a few months ago. Because there is no logical explanation for the drop, I believe the XXXX major credit reporting agencies are manipulating ( i.e., artificially lowering ) consumers ' scores to prepare for the rate hike. I am asking that the CFPB investigate this matter as soon as possible. 

( I understand that my complaint does not actually belong on this form. When I tried to explain that no form fits my complaint to a CFPB person, staffing the hotline, she directed me back to this form. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax improperly shared my credit report and even after receiving a police report, refuse to remove the information from my file XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have an account with XXXX Bank, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.

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 — Public record
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
They were very rude and told me that the Chapter XXXX will stay on for 10 years. I was told by my attorney that chapter XXXX was dismissed and it was 8 years ago and that the credit breporting Equifax is to remove it after 7 years. I called Equifax and they refused to remove it. XXXX and XXXX removed it last year. This is preventing me from getting a home loan.

Company response to consumer: Closed with explanation