vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
While XXXX I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX I have been trying to get the credit reporting agencies to remove this account : XXXX. This collection agency faxed the credit reporting agencies to remove their account from my credit file because they were not supposed to report this small debt. We made an agreement to settle the account in XXXX payments for the exchange of not reporting. The manager made a mistake and reported and after it was brought up to their attention, they faxed the info over to the XXXX major credit reporting agencies to remove. XXXX and XXXX have removed but not Equifax. After disputing with Equifax directly they keep telling me is verified, is mine and they will not remove. The collection agancy says they ca n't do anything about it because they have already tols Equifax to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Problems with Equifax still reporting a 7 years old ch XXXX Bankruptcy : XXXX and XXXX have deleted the item but Equifax continues toconfirm and renew reporting on this stale credit report Item. ( Twice ) It was only ever filed once. 
Federal law says it can be removed but Equifax continues to maintain reporting. 
I have disputed repeatedly but item only shows on Equifax and they will not cooperate. As of the latest dispute this is their response : We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX responded with the following - outlining regulations regarding fair credit reporting regarding 7+ year old Bankruptcys ( ch XXXX ) I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. 
Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated forten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcyabout dismissals or filings. The law clearly states from " date of adjudication '' or date of " order ofrelief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filedmay never have actually been adjudicated. Therefore, you have no right to maintain information whichthe government has deemed nonexistent. 
You are reporting this Item twice when it only existed once. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my creditreport and send me an updated copy when this action is completed. 
Consumers have the right to pursue litigation against reporting agencies and collect damages forviolating the FCRA. 
I would like this removed- deleted from my Equifax report immediately. 
Thanks XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed a judgement that appears on my credit report from the XXXX XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I did not receive any phone calls or certified mail from the acting attorney ( s ) on this case prior to this judgement of wage garnishment. I contacted Pressler and Pressler , LLP on XX/XX/2016 to speak with the attorney ( s ) handling such case, however XXXX ( XXXX ) who identifies himself as a paralegal, but would not identify is full name informed me that the acting attorney ( s ) on this case were XXXX XXXX and XXXX XXXX , which had never contacted me regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a dispute with a negative, item on my account that has been paid, it was originally delinquent XX/XX/2007 and because of that it has been over 7 years and should be removed from my account, the creditor and or the reporting agencies keep changing the date of delinquency, I have an old credit report showing the info and a new XXXX showing that it keeps changing. I have filed disputes but all I get out of it is the date delinquency getting newer and will take longer to be removed. I have included the XXXX reports from equifax but I have had the same treatment from all XXXX agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX Citi said that I was behind in my payments. I was current. Citi refused to accept my money. I was presured to enter into a HAMP, in order to keep my home. I gave Citi XXXX dollars and agreeded to pay {$1800.00}. per month until the XXXX dollars was paid to Citi. I paid XXXX dollars and lost my parttime job and could no longer pay the blood money. Witch was in unapplied for 5 years. When I inquired about the money, they used it for bogus charges and absorbed all of the funds. Last year in XXXX I tried to fix this henderious mistake, with XXXX XXXX XXXX. I am in a home owner modification that went from 2 % to 3 % and my mortage actually dropped to XXXX dollars, Just recently in it peaked to XXXX dollars with an added amount of {$87.00} dollars for an appraisal of property that did not have all of the paper work. Why am I paying for an appraisal before being accepted in the program? Citi is very fraudlent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed some inaccurate items that are on my credit with Equifax. It has been 60 days and I still have not heard anything from them, yet the items are still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions. 
I would like these medical bills removed from my account completely. The insurance paid what was agreed upon and now I am being billed what they think I owe. The main companies are XXXX XXXX XXXX and XXXX XXXX XXXX. 
Also, I believe that my credit score should be no less than XXXX from each of the reporting agencies after this issues are corrected because I have opened no new accounts and the XXXX accounts that I have are continually paid on time. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX unauthorized use of name account unknown verification of debt with original proof provided

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
After Hurricane XXXX, I contacted Ocwen to inquire about disaster assistance. I was given four months and told the payments would be put on the back end of my loan. Today, I received a call form Ocwen asking if I had been affected by the Hurricane. I feel that Ocwen should have known this already, because you have a file on me. The conversation went on, and I was told I never sent the forbearance agreement back. I never received anything in the mail requiring my signature and stated this. According to Ocwen as of today, I need to make payment arrangements for the months granted the forbearance. Its shows I am behind on my payments to Ocwen. This is a scam, they never sent paperwork and now state it too late to resend it. Why did you wait so long to notify me or ask if they were ever delivered, was my question. I have not gotten a response, however they begged me not to contact you. This company is not forthright with important information and has a history of deceptive practices. This should not have an adverse affect on my credit, due to their deceptive practices and ineffective record keeping. 

I would like to have these added to the ended of my loan as agreed upon in the beginning and the opportunity to sign the paperwork reportedly sent months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Credit Bureaus : My wallet was stolen out of my car back in XXXX, 2015 and it had my social security card, driver 's license, and all of my credit cards. As a result, I filed a police report that is attach to this letter, with a copy of my driver 's license and bill for my current address which validates my address. My credit cards were closed and new ones had to be issue because the thief used my credit cards and occurred debt without my knowledge. Today as I was reviewing my credit report, I noticed that I have a collections account on my credit report from XXXX XXXX XXXX that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I work very had to make sure I stay on top of my bills and commitments and I was astounded when I learned Equifax placed an unknown BK to my credit. 
I contacted them immediately and the error was removed. However, i received an alert8 months later that the improperly placed BK has been RE-INSTERTED to my credit!!! 
I am requesting that the unknown entry be removed immediately It says on my credit that the BK was filed in XX/XX/XXXX when we are in XX/XX/XXXX!! 

US DIST CT Date Filed XX/XX/XXXX Type Bankruptcy : Discharged CH-XXXX Reference XXXX Plaintiff

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Wrong SS number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax response was improper for the following reasons : # 1 they did not conduct a proper investigation as required. Instead they responded that inquiries are a factual record of file access which put us consumers at the mercy of creditors. # 2 The creditor ( XXXX XXXX ) was contacted and they have no record of the inquiry. # 3 Equifax placed a fraud alert on my credit report on the XXXX bureaus which makes it difficult to obtain credit. This fraud alert should off never been placed because the issue in dispute happened 17 months ago. Therefore, I demand Equifax to lift the fraud alert from the XXXX Bureaus inmediately and delete the inquiry from my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have XXXX collection accounts from XXXX XXXX for payday loans, I have never had a payday loan and they refuse to correct it. I have asked for them to fix this and remove the incorrect information, but all they say it was verified. This is not possible since I never got a online payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
A new line of credit, XXXX XXXX credit card has been opened since XXXX. credit reporting agencies have not been documenting any of the information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit verifies the debt sure the have my ss # and address that does not mean they can report an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Attempted to answer the questions that Equifax presented to me online, all of which did not apply to me. Equifax failed to give me my report and asked me to request it using their form. Some of the information requires my drivers license, social security card, etc. Sending these items in the mail subjects me to identity theft. I was able to obtain my credit report from XXXX and XXXX online. I want Equifax to do the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and Equifax and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, because my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent Equifax a letter nearly 3 months ago, asking them to investigate errors on my credit report. As of today, they have not responded yet, despite XXXX follow-up letters I sent them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a legal letter from the attorney 's that this debt was satisfied in court on XX/XX/2012. I paid {$1500.00} to XXXX to satisfy this debt, and a judge declared that I do not owe anymore money to XXXX, but they reported to all three credit bureaus that I owe a balance of over {$4000.00}. I have faxed the collection agency proof from the court house that I have a {$0.00} balance, but they stopped returning my phone calls since I faxed the legal forms. My lease ended at my old house three weeks ago and now I am homeless, because no other apartment will rent to me. The inaccurate information reported by this company has caused a huge crisis for my year old son and I. XXXX XXXX will not return y calls anymore to remove this negative collection that is preventing me for providing a roof over my childs head. I have disputed this and XXXX has deleted it, but Equifax , and XXXX did not delete this item. So I have now uploaded the legal letter to XXXX and Equifax from that companies attorney 's office. The law firm that represented XXXX XXXX wrote this certified letter that I do not owe XXXX any money and that my credit report should be updated to reflect these record on paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
went to Equifax site and looked at my report and noticed bank cards in my bankruptcy had DATE REPORTED, this year and last year, I did my bankruptcy 5 years ago and have had good credit since. Then tried to click on the complaint key and got knocked out and ca n't get back to get my report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX my credit score went from XXXX to XXXX due to a derogatory claim on my credit report. I have to receive any legal verification of this via certified mail or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had surgery late XXXX and I was out of commission for about 7 days. My friend named XXXX XXXX XXXX or XXXX stayed with me so that she could care for me. I found out that she put a credit card -XXXX in her name using my social security number, her address and her email address. I recognized her email address and that is why I figured out who stole my identity. Also, I had XXXX other cards that were stolen and I could not determine who stole them, however it was around the same time as this one., so I assume that she stole these as well. XXXX went unidentified because she would use these cards in small increments until she maxed them out. I have filed a police report on the XXXX XXXX credit card and I did put XXXX 's name in the document. I said that I will prosecute her to the fullest extent of the law.

Company response to consumer: Closed with explanation