vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX incorrect information. 
Previous balance of {$3000.00} was the original purchase in XXXX, was never late since the interest was 0 % for 1 year or 23 % if not paid in full. original purchase was paid in full back in XXXX, then additional purchases were done and was again paid in full in XX/XX/XXXX as will show the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to my previous complaints about XXXX XXXX XXXX 's credit card closed in XX/XX/XXXX ) complaint about positive reporting I never made in XX/XX/XXXX. It serves - based on XXXX XXXX XXXX 's letters in response - that it falls on the credit reporting agency to stop the bank from any and all reporting regardless of what account. This includes credit cards, student loans, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting that this item " Satisfied Judgement Case Number XXXX '' be investigated and removed from my credit report. 

Accordingly, I can show a judge that these items meet the requirements for removal. 

Please note I am a XXXX Veteran XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The agents I spoke from equifax were not helpful at all. I received my credit report by mail and most of the inquiries were from companies I 've never contacted or tried to open any accounts with. I never used my social security number or any of my information with them. These companies that show on my credit report are : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX services. I have never contacted or been involved or have gave any authorization to them with my information to run my credit or open accounts with these companies. Equifax agent told me to call these companies and tell them to get me removed from my credit report. I called each one of these companies and they all said I have no open accounts with them and they have n't ran my credit or anything with my social security number or name so there is no way they can remove inquiries when there is no open accounts under my information. These companies told me to contact equifax again and let them know that they have never ran my credit or have any accounts open. So I did called equifax and they told me that it does show that these companies ran my credit. At this point i do n't know what to do. I spoked to XXXX agents from equifax and they were n't helpful at all. This is very stressful. And I need someone to help me and get these inquiries removed from my credit report. If these companies and equifax ca n't remove the inquiries who can?. It is frustrating because I never got involved or contacted any of these companies to even be on my credit report. The reason why I wanted my credit report was because I was barely going to start with my credit. Thinking I was going to be accepted because I 've never have had any credit anywhere with no one. I wanted to start my credit at XXXX. I was n't accepted for credit. the reason why was either I 've had a delinquent past or open /active accounts that Have n't been paid. I have never had any accounts with any companies, or have gotten any loans from no XXXX in my 24 years of life and definitely no delinquent past. When I saw the inQuiries from these companies I was shocked because I 've never had anything to do with them. I thought I was a victim of identity theft or maybe I am. I 'm thinking maybe someone is using my identity, using my information, opening accounts with my information. Messing up my credit. But where can I find out? Who do I go to or call? Equifax was n't helpful. It is frustrating. I need someone to help me clear this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I was based in XXXX XXXX, as a XXXX the agency that prepared my taxes did them wrong. They filed me as XXXX State resident when they were supposed to file me as a XXXX State resident because I was a resident of XXXX, under United State military XXXX status based in XXXX. As a result of the eras that were made on my state taxes it looked like I owed the state of XXXX {$2400.00} in taxes, penalties, interest, and collection fees. I did the necessary paperwork to fix the issues and got the state tax lien released XX/XX/2012 while I was still in the United States XXXX. The problem I 'm having is the lien is still showing up on my credit reports which is very damaging to my credit scores. I am now a United States XXXX XXXX veteran father with a family of XXXX trying to buy my first home. Could you please help me by removing the lien from my credit report or let me know what I need to do to have it done. I have a copy of the lien release if it is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
Pressler and Pressler have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XXXX XXXX. I requested a copy of the signed contract with XXXX, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XXXX and Pressler and Pressler ( XXXX XXXX ) filed a Writ of Revival on XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, Pressler and Pressler have recently been fined {$1.00} XXXX for these illegal activities. On XXXX XXXX, 2016, XXXX XXXX created a new docket number and filed my social security number at the XXXX County courthouse. XXXX & XXXX never withdrew their " entry of appearance ''. On XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. Pressler and Pressler personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the NJ court house. XXXX XXXX has been noted in a recent XXXX Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a New Jersey law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing today because I have been a victim of identity theft. I have made many disputes and faxed in a police report to Equifax with the following item to be removed from my credit report on XXXX/XXXX/2015. They are refusing to remove these items from my credit file because they are stating that they have investigated the accounts and that in fact they are my account which they are not. I have made a complaint with the Federal Trade Commission and received a letter from them to send to the creditors. I have mailed and faxed all the creditors the letters and they have not updated my account. I am working on getting a loan and these fraudulent accounts are stopping me from getting the loan. The items that I am requesting to be removed are as follows. I am requesting the following items be removed from my credit file. 
XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX Bank Account # XXXX. XXXX XXXX Bank Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Several times Equifax has changed my current address to the address I lived from XXXX, and listing where I lived XXXX as prior. I have called them many many times in the last 3 months. I have disputed the address with all three credit bureaus. I have added statements saying what my legal address is. This is the Equifax policy : if a creditor sends a different address, it is updated. As they suggested, I called every creditor on my credit report. They all have had my correct current address on file. 
I should be the only XXXX to change my address at a credit bureau. 
I feel that this should be illegal as it causes another identity theft problem. Several letters were sent to my previous address ( where I lived XXXX XXXX XXXX saying that it was my current address, and listing my address from XXXX as previous. My mail is still being forwarded. Once it is not, XXXX major security questions ' answers will be revealed to anyone receiving that mail. I received XXXX such letter again today. 
I called my attorneys general office and was told that they could do nothing because that is a company policy. 
I have difficulty lifting my credit freezes and getting my free credit reports, because the information I give is " not accurate ' -- due to different addresses ( I even had to pay for my XXXX report through their site ). 
This policy is unacceptable -- yet even the highest supervisors will do nothing except change my address when I call. and they suggest I call monthly. 
Someone needs to investigate and change this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We are bullying by Wells Fargo, always paid our mortgage on timeOn XXXX XXXX we wrote the check in the amount of {$40000.00} but missed XXXX and filled out in writing, not only the bank cashed our check, they do n't credit us with the payment and charged us {$190.00} late fees. 
XX/XX/XXXX payment was paid in full and we already mailed XX/XX/XXXXpayment. We are contacted by wells Fargo saying that we are in defaultfor not paying XX/XX/XXXX and they will foreclose on us. 
Back in XX/XX/XXXX, we received a statement from WF showing that they did notCredit us the XX/XX/XXXX payment, we called WF and was advised that becauseof the shortage of XXXX, it shows {$4000.00} as pending but theycannot credit the payment. 
Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Original dispute case number XXXX, XXXX Attorney General reports false data to my credit report on Equifax and it is reported twice as a duplicate.. below is the history of the report, i have never been late, and should not have been reported, also date of late payments keeps changing to favor the grantor, shows late 150 day between XXXX & XXXX XXXX, XXXX to XXXX do n't have 150 days. this is wrong and false i have never been late. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice & is duplicated Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX N/A XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Viewed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I put on a 90-day initial fraud alert on my credit from both XXXX and Equifax , but I received another hard credit hit from XXXX yesterday. I recently had accounts opened with XXXX XXXX and XXXX without my consent. I believe I am a victim of credit fraud, this is why I put the 90-day fraud alert on. However, I am still receiving credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a bankruptcy listed on my files. There was no bankruptcy ever filed it was dismissed. Both my lawyer and I have notified in writing submitting proof of the dismissal to all the creditReport bureaus ... yet they continue to report I have a bankruptcy. This is simply not trueMy case number for the dismissal is XXXX filed XXXX/XXXX/2015. It is signed by judge XXXX XXXX XXXX in XXXX, Va. Please help removing this as my credit is destroyed because of this erroneous report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Seterus, Inc.
State: AL

Complaint narrative:
Mother passed away XX/XX/XXXX, Father assumed mortgage on home. He passed away XX/XX/XXXX, and his left his friend in the home. I was just made aware the house was still in my mothers name alone, and the person living in the house was not making payments. The house is up for foreclosure and I have tried to contact the mortgage company and they refuse to talk with me even though my brother and me are the only heirs to her estate. An estate was not open XX/XX/XXXX on her due to the fact our father was still alive. I 'm trying to get belonging out of the home and possible save it from foreclosure if they would talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 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:
This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XX/XX/XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XX/XX/XXXX. The bills were sent to her address, and I can prove when I moved out XX/XX/XXXX and I did not live with her, after XX/XX/XXXX. As of XX/XX/XXXX ; The Statute of Limitation Law protects me as a consumer, the 4-year anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had my identity stolen, and a XXXX credit card for XXXX dollars was open in my name and used. the credit card company took away the card but it is still on my credit report and would like it removed because it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX 2013This Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Security National Automotive Acceptance
State: NV

Complaint narrative:
Security National has wrongfully repossessed my car on XXXX separate occasions. The first time my car was repossessed, Security National made an error on processing a payment deferment and repossessed my car while I was serving a 12 month XXXX. No notice was given after the repossession and my wife believed the car to be stolen. Upon further inspection after returning my vehicle there was significant damage to the front of my car consistent with the repo company improperly towing my vehicle. I immediately notified Security National of the issue and sent detailed photos of the damage. My complaint was however ignored and I was never compensated for the damages or the loss of use of my vehicle. A year passed since this incident and I was forced to file chapter XXXX bankruptcy for some uncontrollable circumstances. I filed a successful motion to redeem my vehicle from Security National at the fair market value. Security National failed to adhere to the court order and held the title to the vehicle in excess of 30 days after the funds had been received far exceeding the 3 day mandated surrender of the title annotated in the court order. During this time they continued to aggressively seek the recovery of my vehicle by having repossession agents come to my home. I contacted Security National about this issue and was told by a representative that they were still seeking to collect a debt from me and were unaware of any court documents sent to them even though the check sent to them had been cashed almost a month prior. It was n't until I was put on an extended hold and told that the documents had been magically found that I was reassured the issue would be resolved and the account would be closed, the title sent out and the repossession efforts would cease. Almost two weeks had passed following this conversation and another repo agent successfully repossessed my vehicle on a Sunday at my residence. I was unable to seek any kind of help because of this and was n't able to contact Security National till the following day. The repo company blamed Security National for not rescinding the repo order and Security National blamed the repo company for not receiving notice to cancel the order. Irrigardless of their communication issues I was still a victim of my car being unlawfully repossessed when Security National had no legal ownership of my vehicle. Again, I was never compensated for the inconvience or loss of use of my vehicle for this second wrongful repossession. The disorganization of this auto lender is appalling and I feel what has happened to me is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I put in a dispute with Equifax and XXXX XXXX back in XXXX 2016. I notice that XXXX did an inquiry on my credit file but I did n't request or authorized them to pull my credit. XXXX sent me a letter stating the inquiry will be removed because it was an unauthorized inquiry. I called Equifax consumer XXXX on XXXX XXXX because I did n't receive and notice from them stating the investigated the unauthorized inquiry. The person I talked to that they stated the do n't investigate inquiry 's. I told him that XXXX XXXX has already investigated the matter and requested that the inquiry be remove. The person on the phone stated the inquiry will not be remove. Equifax is always refusing to investigate or remove items that has been proven is inaccurate information. I always have to put in a complaint to get items taken care of. I have attached the XXXX letter saying they requested the item to be removed.

Company response to consumer: Closed with explanation