vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has failed to give me Verifiable proof of the accounts listed in their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is reporting a XXXX mortgage on my credit. That is not mine. They are trying to validate an outdated loan that is NOT mine as a charge off. Equifax continues to report this account on my credit yet they refuse to show any proof or validation. The have Not corresponded with me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I initially discovered a collection/debt reported on my credit report. I contacted the creditor/collection agency listed on the debt line at XXXX separate addresses XXXX 2016 via certified mail and also contacted them via telephone to validate that I am the owner of this debt. They advised they are unable to provide any validation for this debt as it has past the statutes of limitation for their ability to continue collection activity. I advised the collection agency this item has not been validated as my debt and should be removed, to date I have not received any debt validation. I then contacted the XXXX credit agencies : XXXX XXXX, Equifax , and XXXX and advised of my unsuccessful pursuit of debt validation from the creditor and the incorrect item should be removed. I also requested that any debt validation provided by the collection agency be provided to me to show that I am the owner of this debt and its debt dates are being reported correctly. Both XXXX XXXX and XXXX investigated the debt and then deleted the item as the collection agency was unable to validate the debt. However Equifax advised the debt was validated but did not provide any validation or documentation. I believe this investigation was never performed by Equifax nor debt validation provided to Equifax by the collection agency. I can provide all certified letters to all credit agencies and collection agency and proof of removal from XXXX XXXX and XXXX upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Just received response from Equifax for complaint XXXX. The company did not complete an actual investigation for the second time regarding this matter. I disputed the accuracy of the information in regards to the date of first delinquency for XXXX XXXX and XXXX ( formerly XXXX Bank ). I have XXXX XXXX Bank accounts XXXX for {$6000.00} and another for {$3600.00}. The account in the amount of {$3600.00} is the disputed account which matches the XXXX collection account. The XXXX account with the amount of {$3600.00} was removed from my credit report because it is past the 7 year mark XXXX XXXX XXXX XXXX, 2008 ) however, Equifax is stating that the associated XXXX account is reporting accurate information. This is not true because the original creditor already stated to me that the date of first delinquency was in XXXX 2008 AND Equifax already removed the original creditor account. XXXX stated the same but will not dispute the information with the CRA. Please advise what my next step is in removing this inaccurate information before I can initiate a lawsuit. Thank you.

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 — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an inquiries with XXXX XXXX on my report that I never applied for. I already fill up an Identity Thief documents and send to all XXXX credits bureau. I need this inquriries to be removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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:
I 'm issuing a complaint to equifax credit bureau I need them to take off all of the hard inquiries from XXXX XXXX 2016 I did not give the auto loan place permission to run my credit report to a bunch of different banks I need equifax to take off the hard inquiry 's from XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
currently in litigation with XXXX banks who appear on my credit report i asked for information to be removed due to inaccurate reporting information on these XXXX accounts they remain on my credit report dragging my score down, when they should not be there after researching ohio law!! fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My husband recently died a tragic death. He had a XXXX credit card that I was not aware of. He was the primary cardholder. If I was an authorized user I did not know it. I gave XXXX notice of his death ; provided information to close out his homeowner and auto insurance and started a new account with XXXX. I was in the early stages of refinancing our home and a derogatory credit comment showed up on my credit report XXXX : my deceased husbands XXXX credit card. I called XXXX and spoke to someone in the credit card department and explained the situation to them, I was told there was no derogatory or negative information on my credit from them, I was referred to the credit dispute department : Credit Bureau Dispute over Deceased Accounts and I was told to fax a letter to them, they will review, and it will take approximately XXXX days before it is removed from the respective credit bureaus. I completed all that I was told to do and the letter was faxed XXXX XXXX, 2015. It still remains on my credit report and refinancing my home is on hold. I have not anything further from this department XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
For the past sixty days I have disputed accounts with Equifax that they claim are verified as belonging to me. In XX/XX/XXXX I disputed both XXXX and XXXX XXXX by mail with Equifax and both came back verified. I then did a follow up dispute requesting the method ( s ) of verification on XX/XX/2016 for XXXX and XX/XX/2016 for XXXX and my requests were not honored. The letter states the accounts were verified but no other information is in the report, which is a violation of my rights as a consumer. It is my right to get a detailed report on who they contacted, phone numbers, dates, etc. Instead they only tell me the accounts were verified but not any detailed information which is my right as a consumer. They are destroying my credit!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been given incorrect information by XXXX different Capital One employees, and I do not feel that my complaint will be handled accurately. I have requested to fill out HIPPA Form to receive copies of my calls and was told that is illegal. I am requesting your assistance to help me resolve my issue. 
My first complaint is that I am being charged over and excessive amounts for my cash advance and have been given different information by XXXX different people : I spoke with XXXX supervisors regarding paying off my cash advance so that I can stop accruing interest. I am currently interest free on purchases. I spoke with a supervisor in XXXX XXXX to go over amounts I needed to pay. Next, I spoke with supervisor XXXX in the XXXX, FL office on XXXX/XXXX/XXXX. I called Capital One to have a late fee waived because I have never been late on my account. I spoke with XXXX and as a courtesy he waived the fee. We discussed in great detail the amount I would need to pay, in order to pay off the {$600.00} cash advance and stop accruing interest. I asked him very specific questions about my account. He said I would need to pay {$880.00}. I paid {$900.00} on XXXX/XXXX/XXXX. I called in on XXXX/XXXX/XXXX at XXXX to see what would be available and a rep advised me the full {$900.00} would be available at XXXX, because I satisfied the cash advance. Only {$860.00} became available, so I called back in and spoke with supervisor XXXX, to discuss what applied to the account, and she said I would need to pay an additional {$47.00} in order to pay off cash advance. I stated that was incorrect and excessive. She explained I had a previous balance of {$100.00}. I explained that is part of next month payment which according to XXXX I would not have to pay because cash advance would be satisfied. I explained to her that XXXX and the supervisor before him gave me great detail on what I needed to pay. I did not have XXXX 's name and location at the time I spoke with XXXX. Once I found his info, I called back in spoke with supervisor XXXX and she requested I file a complaint in writing after XXXX told me she had already submitted my complaint. I am furious, as a consumer, this information is difficult for me to understand, but what do I do when the employees of the company obviously do n't understand, have no knowledge of their products, and are obviously not on the same page??? 

My Second Complaint is that I was advised that I would be interest free for 1 year by signing up for the card, and XXXX advised me that I am only interest free for 10 months ending XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have filed complaints with Equifax three times and provided them with several documents that I received DIRECTLY from XXXX XXXX stating that I was not delinquent on my XXXX/XXXX/13 mortgage payment. .Equifax is ignoring the request to remove this frivolous and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2016 XXXX XXXX ran a hard inquiry of my credit report. I was notified by a service regarding this hard inquiry. I contacted them and was told a XXXX inch television had been ordered in my name and was to be delivered to my front porch. I did not order this and was able to get XXXX to return it to this company. 
My concern is that this company is a predator. They are granting easy credit for their overpriced mail order items based on a persons a name and address to people who can not afford these overpriced items. Scam and fraud comes into play because anybody can order merchandise with fake names and addresses. The items are delivered to front porches of homes and picked up by thieves who placed the order. In the meantime, the unsuspecting consumer has their credit checked and receives the bill for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Complaint Description : I was told that once they received a documentation that an account that was not mine was to be deleted, they would remove it. This did not happen. On XXXX XXXX I notified that a collection from XXXX XXXX was on my credit report. The apartment information listed shows the wrong apartment number as well as the wrong number of lessees. I was told that a dispute could have a turn around of 90 days with each party having 30 days to contest or prove information listed. The agent from the collection, XXXX XXXX agreed to have the collection removed from my report with 30 - 45 days if paid in full. I received the deletion letter shortly afterward ; however the complex I found agreed to hold the place but for just 2 weeks and it is imperative that we move by XXXX XXXX. When I called Equifax to see if the process could be expedited, they stated I would have to dispute it and once it was confirmed that it is to be deleted they would take it off. I was told that the dispute was sent XX/XX/2016. The confirmation number is XXXX. I received a copy of the correspondence from the collection agency showing that the deletion request had been sent to XXXX, XXXX, and Equifax on XXXX XXXX. This collection was received by reported to be received by both XXXX and XXXX on the XXXX. Equifax stated they had not received it. I contacted the collection agency and it was confirmed by XXXX XXXX, the Director, Phone number XXXX, that they had responded to the dispute. Both XXXX and XXXX have removed the account ; however Equifax continues to state they did not received anything ; even though I have a copy of the correspondence sent to them. Today, XXXX/XXXX/2016, after speaking to an Equifax manager, XXXX, she was stated that she did not oversee that the department that oversees these disputes even though the department I contacted was the dispute department. She then stated there was no way she could find out if it had been received. When I requested the contact information for the department who could answer the question, she initially stated that she did not access to that information. After requesting that she not belittle my intelligence and as a manager I am sure she has access to every number there, her statement was revised to her not being able to provide that information to consumers. She disregarded the fact, I received notification of the deletion being sent and was very unhelpful. This is a time sensitive matter in which they are not honoring their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I PREVIOUSLY DISPUTED AN ACCOUNT THAT WAS REPORTING ON MY EQUIFAX CREDIT REPORT. THE NAME OF THE ACCOUNT IS XXXX XXXX XXXX ( XXXX University ) AND THE AMOUNT IS {$1100.00}. XXXX XXXX XXXX SUBMITTED A REQUEST TO HAVE THIS ACCOUNT REMOVED FROM MY CREDIT AND I HAVE NOTICED THE ACCOUNT IS STILL PRESENTLY ON MY CREDIT REPORT. EQUIFAX NEEDS TO DELETE THIS INFORMATION AS THEY HAVE ALREADY RECIEVED THE REQUEST FROM THE REPORTING COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting XXXX collections and showing the creditor or debt collector as " Unknown ''. If it is unknown then how can they possibly be reporting this? How is this accurate, verifiable information? My research on the Fair Credit Reporting Act shows that this is illegal in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 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 have paid off several debts with pressler and pressler a debt collector. however they keep sending communications about debts which have been closed.I believe they keep my name on file to operate a scam. whenever I make contact with them and try to get verification of the debt they refuse to corporate.The debts I have already paid were beyond the original amount owed.They often carry out their scam under the protection of the sheriff deputy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XXXX of XXXX I reviewed my credit reports from both Equifax and XXXX. I noticed that both my primary mortgage with XXXX and XXXX mortgage with XXXX XXXX were incorrectly being reported as part of my Chapter XXXX Bankruptcy. Prior to the confirmation of my Chapter XXXX case the home was sold in XXXX of XXXX and both mortgages were paid in full. Both of these accounts were ordered expunged from my Chapter XXXX case in XXXX of XXXX because they were not included in my bankruptcy. In XXXX of XXXX I opened disputes with both Equifax and XXXX. XXXX corrected their records after investigating and they now correctly report the mortgage as not included in the Chapter XXXX Bankruptcy. XXXX XXXX replied that they are reporting it correctly as included in my Chapter XXXX Bankruptcy based on their records. Copies of the Federal Bankruptcy judge 's order, the mortgage satisfaction document from XXXX XXXX, the XXXX XXXX mortgage marked PAID IN FULL have been included with each investigation in XXXX of XXXX and also separately to XXXX XXXX on XXXX XXXX, XXXX. I also included my current Chapter XXXX Trustee report showing the XXXX XXXX mortgage as expunged and provided my Chapter XXXX Case File number so that XXXX XXXX can verify the data themselves as a creditor at XXXX the Chapter XXXX Bankruptcy National Data Center. Despite receiving multiple copies of the Federal Bankruptcy court order and supporting documentary proof, as of XXXX XXXX, XXXX XXXX XXXX insists they are reporting the account correctly as being part of a Chapter XXXX Wage Earners Plan even though it has a {$0.00} balance, was paid in full and ordered not to be part of the Chapter XXXX Bankruptcy by a federal judge.

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: FL

Complaint narrative:
XXXX Account- In XXXX 2015 I decided to switch cellular carriers. I called XXXX customer service to start the portability process with the other company and at that time there was XXXX balance in my account but actually, there was a bill still pending to be processed. I never received a bill for the account settlement nor a phone call or text message and because of that, my account became delinquent. As a result of this, my account was referred to a collection agency and subsequently reported to the credit bureaus as a derogatory account on collection. I had a spotless payment history in my nine years with the company and once it was brought to my attention there was a pending balance I worked diligently to amend this and made the payment immediately. I have contacted XXXX and they have agreed to remove this derogatory mark in my credit record and to that effect, they sent me a letter stating so. I submitted a dispute ( with a copy of this letter ) to XXXX and Equifax , as of today, XXXX updated my credit file and removed the information pertaining to my XXXX account. Equifax , however, is not willing to accept the information I provided and my credit record with them is still showing the negative information. I have submitted this dispute to them 4-5 times, since XXXX 2015 to no avail. This complaint is about Equifax , not XXXX. Please find attached XXXX 's letter and XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My father had XXXX CDS with CIT BANK XXXX XXXX Bank. Home base for CIT BANK/ONE WEST is XXXX XXXX. He died on XXXX XXXX, 2016 in his home state of XXXX. His will was probated in the XXXX Courts, approved by the judge and an estate account was established. My brother & I are joint administrators for the estate. My brother contacted CIT BANK in XXXX 2016 & provided all data necessary to have the certificates redeemed and a check issued to the estate. CIT refused to honor the documentation as it is their policy to not honor the estate that is housed outside of XXXX. They insisted we had to file a new probate in XXXX to have the funds released. CIT BANK DOES NOT HONOR SISTER STATES PROBATE. I contacted the XXXX XXXX XXXX XXXX advised me to contact both you and the XXXX. The Chief Deputy Attorney General must have notified CIT Bank because 2 weeks later, my brother received a call stating they are sending a form that needs to be completed, signed & notarized by the both personal representatives and then the funds would be released. The condition, we had to close the accounts which ironically that is what we wanted to do! The form we received was an official CIT BANK form, affidavit of sister state personal representative. We were allowed to complete, sign, have notarized & SCANNED to the company. No hard copies necessary. We did receive the funds within 10 days however, I am still writing this complaint because my dad had a lot of assets in different institutions from XXXX XXXX to XXXX XXXX None of the other companies put us through this ordeal. It is stressful enough to lose your last parent and trying to settle the estate knowing that you are getting this money because your parents are both deceased .And if we would have to had to open a second estate, estimated costs of {$11000.00}. That would have eaten into the original balance of the funds plus interest..The estate left the funds to my brother, myself and the XXXX grandchildren. My dad served in both XXXX and XXXX. He was an intelligent man and his mind was very coherent to the end. I believe that CIT DID NOT DISCLOSE anywhere in the disclosures that if the owner of a certificate of deposit passes prior to maturity, the bank will not honor estates established outside of its home state which they perceive as XXXX. I feel that clients who want to invest with financial institutions be made aware that this bank will not honor out of state probated estates. 
thank you.

Company response to consumer: Closed with explanation