vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I found a collection record in my credit report for {$35.00} without any notices from XXXX XXXX XXXX in XXXX XXXX 2014. They said the only way to remove it from my report is to pay if off. I paid it off but it 's still show in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have NEVER had the name XXXX XXXX XXXX, PLEASE help me remove this nameThank YouXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wanted to pay my credit card with my checking account on Chase bill pay. I signed onto my account, clicked on pay my credit card, and entered the amount to be paid. Ten days later, I received a letter saying that the payment had been refused by my back and returned. I realized that the default account that the site offered was my equity account, not my checking account. It seems that you can not make a payment on a checking account with an equity account. I was trying to pay with my checking account. Why then does the page default to that equity account? It is not possible to remove that account from the list, and it must default to that account ; an account that can not pay. If you add all the people who might make this error, and if they were therefore late on their payment, how much money would Chase bank make on late fees? I complained to a bank employee ; he said they get lots of complaints, and he passes them on, but nothing has changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CORELOGIC INC
State: IL

Complaint narrative:
SafeRent CoreLogic AKA Corelogic XXXX XXXX XXXX is presently reporting false information on their consumer file relative to my rental history. They are falsely reporting a judgment in excess of {$16000.00} for XXXX XXXX XXXX in XXXX, Texas. I have attempted to contact them by both phone and mail to dispute this matter and I have received absolutely no response or resolve from them. I have also had my attorney to contact the court where the judgment was supposedly filed and the court 's response was that the XXXX XXXX XXXX attempted to file an erroneous eviction and judgment against me, but the case was dismissed and a judgment was never issued. How SafeRent CoreLogic AKA Corelogic XXXX obtained the false information is unknown. I am asking that the CFPB investigate them for negligence due to falsely reporting information regarding my consumer activities. I am unable to upload any copy of my consumer report because SafeRent CoreLogic AKA CoreLogic XXXX XXXX XXXX has not responded to my XXXX XXXX, 2016 request for a copy of the report.

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 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Credit Report issued by any and all credit agencies included a list of all businesses who have check my credit and ordered a copy of my Credit Report. There were a total of XXXX businesses in the list during the year 2014 alone. None of the businesses had my permission to obtain my Credit Report. They acted illegally in obtaining my Credit Report. 
During said time, I was shopping for better insurance on my home and car on the internet. 
I was also shopping for a refinancing of my home mortgage with a small amount of " cash out '' of my equity to pay enormous medical bills not covered by my health Insurance. 
Neither of these reasons should affect my Credit Rating, but they do, for reasons I am not aware of. 
All of the companies in the list should and must be eliminated from my Credit Report. Their need for information on my Credit Report is purely speculative in nature, and prejudicial as any negative statement on my Credit Report. They have usurped their need to my demand for privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My last name was changed by Equifax. I do n't know how this happened. 

I 'm again attaching a copy of my driver 's license and additional proof. My last name is XXXX. 

They state XXXX changed my last name. How is this possible? This would be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a letter from Pressler and Pressler in regards to a credit card debt owed to XXXX Bank. Where I had a XXXX Card, my balance was {$XXXX}. I wanted to know how I allegedly accrued that balance. I made a phone call to Pressler and Pressler on XX/XX/XXXX. This call was to dispute the charges. I requested a copy of the original bill. This information was never sent. Pressler and Pressler has all of this information documented. They continued onto getting a judgement filed against me and they garnished my wages for {$620.00} which was paid in XXXX. I now have a judgement on my credit report for a debt that has not be proven to be mine. My credit report also has the original creditor, XXXX Bank listed with the debt written off has the card Lost or Stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my Equifax credit report, I noticed unauthorized and fraudulent credit inquires made by the following Creditor 's : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # 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 I did not authorize any of this companies to make any inquire and view my credit report. 
I have called Equifax several times, and I spoke to different representatives, no one is willing to help me. I sent a letter asking for verification, and proof of my signature, and I did not receive an answer. 
I asked Equifax to send me written confirmation that they have complied with my request within 5 business days or, it will be my evidence used in Federal Court of their willful noncompliance ( XXXX U.S.C. & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I have written Equifax 4 times about a Incorrect name on my credit report The have listed XXXX XXXX XXXX XXXX XXXX That is Crazy I am a victim of Financial fraud and Identity theft / PLEASE REMOVE " XXXX '' from my credit file. I never had that last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe the accounts listed are medical bills that my insurance ccompany told me were billed to me in error and that they wouldhandle this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
5 things that were previously deleted from my report were added back this month which includes a BANKRUPTCY, XXXX COLLECTION ACCOUNTS and several inquiries. These were previously disputed and deleted. 
the collections were XXXX, XXXX accounts and XXXX and the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have a Federal tax lien that was released, reporting on Equifax and XXXX. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. Equifax and XXXX have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax lowered my credit score by XXXX points in seven days. I tried to contact Equifax but was sent on a wild goose XXXX for over an hour, with no answers. 
No apparent change to my report. Other reporting agencies did not lower my score. 
I have been working to raise my score for a mortgage and do not need their crazy reporting PLease help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Had a XXXX XXXX account that paid XX/XX/XXXX out of closing that was settled thru XXXX and was payed directly to XXXX XXXX and pinnacle credit ended with my payment and sold the account after it was paid off to first national collection on XX/XX/XXXX. I have all the paperwork to send to confirm my complaint. XXXX refuses to talk to me after many calls to them. Please help me settle this problem. ThankYou XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has " added '' a name I have not used in 20 years-XXXX-says it 's a new name replacing " XXXX XXXX, which I always use or if needed my legal name XXXX XXXX as on my XXXX card, no middle initial used. 
2nd : There are many car dealers whom I do not know or have given them to check my creDit. I am furious with this. Only XXXX dealers authorized recently : XXXX and XXXX. NO OTHERS!!! 
3RD : I actually have not checked of late, but a Student Loan was listed and should not be, satisfied due to XXXX from XXXX. 
4th : Car loan with XXXX. CAR WAS PAID FOR WHEN SOLD AT AUCTION. Price I owed is way off, it should " only '' be about XXXX and that was total profit. XXXX received XXXX for a XXXX dollar car in XXXX years time. Plus the loan was in XX/XX/XXXX. Should this still be on my credit report? 
4th : Lastly, there are tons of unpaid medical bills. This should not show on my report due to privacy laws. Plus, many bills are just repeats. Some should have been paid by XXXX. All bills from XXXX XXXX, XX/XX/XXXX, were paid or cleared by the hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a credit report alert from XXXX that a public record is being reported on my Equifax report.Equifax removed the bankruptcy on my credit file in XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a woman by the name XXXX XXXX she was very pleasant, after explaining the incident I was told to fax all documents in supporting my claim. I explained to her that all that was on file to only be told to fax again. Called back because I misplaced the fax number and spoke with an XXXX I was told by XXXX that she could n't speak with me because I was being presented by an attorney and I explained to her that that was n't true. After going back and forth she said she could dispute the item and when I said ok she placed me on hold and then said she ca n't because she does n't have to because it 's within a " 10 day '' period. I explained that I was never notified that the bankruptcy was going to be placed on my credit prior to this being put back on my credit file Per the FCRA " If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. '' I was told that the investigation was just concluded in which it was 90 days later. XXXX could 've been new to her role because she did n't know what XXXX she was talking about she kept placing me on hold. Their customer service is horrible and that 's why they 're getting sued. Basically, My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting another deleted account on my credit file and they should n't. After their investigation, they responded with a letter stating that they deleted this item. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation notice on the last document it states contact XXXX but the document before that one is from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OR

Complaint narrative:
My mortgage company is reporting that I have late payments during the time they were processing my modification. ( XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 ). I did not make late payments, I made all payments before they were due. Please see my attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not authorize inquiry by XXXX XXXX XXXX on XXXX XXXX, 2016 and I suspect attempted ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I went to Annualcreditreport.com and requested my credit report from Equifax and got a respose that required me to submit my Drivers License, Social Security Card a Utility Bill and the request. I did that and got a response of you have already received your annual report, which I have n't, and have n't been able to get for 2 years now. When they mailed the response to me my middle initial is also incorrect. Also you ca n't contact them directly and without a report number you ca n't contact them online either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As we know identity theft is a number XXXX priority. None the less, when information is not accurate it is against our rights as consumers. I have already taken the liberty to try and resolve matters directly with the furnishers. A couple of results were successful yet the CRA continues to leave this on my file. There are more than XXXX matter that needs to be addressed here. XXXX XXXX being XXXX XXXX. XXXX is a medical bill that is there and the state of MARYLAND pays all medical bills per Medicaid. They want render their own determination based off other inaccuracies using a system that is not accurate. I have hard evidence. Thank you. A copy of FTC affidavit with Police report has already been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account # XXXX Equifax account # XXXX From XXXX XXXX, 2015 I have written over five letters to the credit company stating that this company Enhanced recovery is reporting inaccurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is so why are they still reporting this item illegally on my account? I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Some of these Public Records are outdated : One was filed XXXX XXXX, XXXX and another was filed XXXX XXXX, XXXX. There are also 2 others that are more recent but are not mine. I have also contacted the courts to see if they provided Equifax with this inaccurate information and they stated " No. '' Please see attachments. Equifax have different file dates from XXXX which makes me wonder where they get the information. I need your assistance in getting this matter resolved and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Cant get my free annual credit report from Equifax online or by mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I received a phone call from XXXX stating that I owed $ XXXX dollars in outstanding taxes and that if I did not pay immediately that a warrant for my arrest was going to be issued. The person would not provide contact information. He forced me to remain on the phone. He wanted me to go to my local bank but they were closed, so he directed me to the closest Walmart. He then provided me instructions on who to send a Money gram to, XXXX XXXX, XXXX XXXX, NV. I sent them {$1000.00}. Through all of this the phone was on. The total call lasted XXXX hour and XXXX minutes. When I got home, I invested this further and realized this was an IRS scam. 
The same person called back this morning, from a different number XXXX, wanting more money. I hung up on them and they tried calling back XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XXXX XXXX my account was accessed ( not by me ) and my report was run. I asked equifax to provide the IP address that was used to access my account. I called and made this request in XXXX XXXX. I was told to call back every couple of weeks to check status. On XXXX XXXX I called and was told that the company found no fraud and that an IP address could not be provided without a subpoena. I asked for this in writing and was refused. I fail to understand how or why an IP address for a log into my secured account requires a costly subpoena. Terrible service. Additionally, agent hung up because I told him the service XXXX. Also, if you call and follow prompts to close your paid service you are locked out to a fast busy from the VRU. I asked the agent named XXXX for the name of the regulatory body that I would contact to file w complaint. He gave me the XXXX information. I informed him that they were a consumer advocate but not a regulator and he told me that is all he could provide. Misinformation and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This company is requesting payment for accounts that I do not owe on. {$500.00} from CREDIT MANAGEMENT.. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$59.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX XXXX in their respective state and both of these companies if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information 1st! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, XXXX with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation