vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX XXXX auto loan is in good standing, but I 'm not receiving any credit score increase for making on-time payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax score is XXXX point less then all other reporting companies the reports identical for all XXXX. 
ive tried calling and you are put on hold for 40 minutes and then the phone just keeps ringing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The firm Pressler & Pressler is harassing me treatened they are keep sending letters from a debt collecting agency they never rest knowing that they put false default judge against myself in the court which they probably file online, they is money randomly from people who work hard to pay their bills, I already prove them that the false statement of the debt is not mine they took {$450.00} from a bank account I had with XXXX XXXX the motor vehicle send me a letter that I can not do noting with my car, I have my mother sick also I got to helper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After a big mess up with my military benefits and school loans, I found out how to access my credit score and I was in the process of repairing my credit as a result. In the process, I noticed that SEVERAL hard inquires were made, XXXX. They were on or near the same day and not done with my permission. I contacted said businesses and questioned them about why such inquiries were approved. I found out that someone ( thankfully that I know ) who had access to my SSN was the culprit. When I asked why a form of photo identification was n't used, I received the same answer resembling that of using paper applications and that there was nothing that they could do. I was perplexed because I just bought a car, and was asked for some form of I.D . among several other personally identifying documents. I proceeded to contact Equifax directly via their online dispute application. Due to my dispute now being expired, I am unable to view it and repeat verbatim what my reply from Equifax was after their investigation, but I am now faced with basically " sucking it up '' after being told that the hard inquiries would not, in fact, be removed as it was an accurate depiction of my credit being requested and then granted. I 'm not proficient in matters such as this, so I may be naive, but I thought companies like this were able to help you in the case of identity theft. Thankfully, I do know the individual responsible, and know that they have a criminal background so I can let the authorities handle that part, but it 's infuriating that my only option, in the eyes of Equifax , is to wait out the 7 years until it drops from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are XXXX items on my equifax credit report for XXXX that donot belong tome. XXXX of them appear to be for the same thing at {$72.00} and the other is {$210.00}. XXXX has already removed all XXXX items because they were not mine and would like equifax to do the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
An address which I have never lived at has appeared on my credit report and apparently some collection documents have been sent there. The person who lives at the address which has been incorrectly added to my file has informed me that they are still receiving my correspondence at their address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Riverview Law Office, PLLC
State: MN

Complaint narrative:
I was forced by XXXX Hospital in XXXX MN to receive a XXXX I told them I did n't want and could n't afford. They said if I did n't let them do whatever they wanted they would have me arrested and posted an armed police officer in my room who threatened me until I agreed. Then they send me a bill for over {$4000.00}. I refused to pay the bill and informed them why I was refusing. They have since sued me without informing me of it and have started garnishing my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have tried to apply with several lenders and they all tell me that my Equifax report is blocked. I have spoken to Equifax and they deny that the report is blocked. That said, it clearly is blocked because I am getting the same response from several lenders. The lenders can not access the report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I had a XXXX credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. Equifax and XXXX. I have made numerous attempts with both XXXX which is now XXXX and the credit bureaus. XXXX is the only one reporting accurate information. I have asked XXXX to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
Mortgage company Seterus is managing my account. I have incurred late fees which they have been unable to explain. I have requested this information on the phone and in writing. I have confirmed that they have my correct mailing address. Each time, I am told that a written response is forthcoming. I need to know about these charges as I have been making my payments timely, electronically. If the problem is with the electronic payment system, I need to seek recourse through them. I have been getting the run around for almost one year,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I have some credit inquiries that are related to none of the aforementioned permissible

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is misreporting a rolling charge offXXXX ( Equifax ) # XXXX, for misreporting a rolling charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors University XXXX, XXXX, and XXXX. and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have asked Equifax and XXXX XXXX XXXX and XXXX XXXX to send me information on this XXXX XXXX. This is supposedly the Dr I owe money to. I have never seen this Dr and they refuse to sent me information on this debt. I ask them how they can ] ] place something on someone credit and not have to verify the debt. The XXXX XXXX said they sent this back to the Dr as uncollectable and this XXXX XXXX too it over. Then they wont remove this from my credit. I want someone to send me proof of this debt and Equifax refusing to send me proof of this debt. Equifax has people that use a script and do not really answer any questions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
My mortgage lender, Carrington Mortgage Services ( CMS ), has improperly reported to credit reporting agencies that my account is in forbearance, which is absolutely false. I have made every payment in full, and on time, and I have never requested a forbearance. The forbearance prevents me from refinancing my mortgage with another lender. When I informed CMS, they stated that this was an error, and they would correct it, but they refused to provide me with any documentation stating this was reported in error to the credit bureaus. They stated it would take at least 30 days for something in writing to be provided to me, thus preventing me from refinancing my home and saving approx $ 300-400/month. 
Additionally, CMS customer service informed me that there were many other customers with the same problem. It then occurs to me that this is a financial tactic by CMS to prevent customers from refinancing their homes. In my case, I purchased a very underpriced home, with CMS as my lender, with a no closing cost product. Now 6 months later, Federal lending guidelines permit me to refinance, and it is very advantageous for me to do so. I would eliminate PMI, and interest rates are easily 1.5 % lower now, than my initial rate. CMS would lose money on this deal, and it is my assertion, that they are deliberately reporting false information to the credit agencies in order to prevent me from refinancing, so they will not lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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 repeatedly requested an investigation into fraudulent activity on my credit report with Equifax. An onslaught of fraudulent inquiries remain on my credit report and wish for them to be actually investigated and removed. It is illegal to keep these on my report and dragging my score down without any attempts from Equifax to even look into them. All I get are immediate responses of the same " inquiries are a factual record ''. XXXX and XXXX both looked into these inquiries and had them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Creditor ( XXXX XXXX ) was disputed two weeks and dispute was completed and report updated as of XXXX/XXXX/16. I was also advised by equifax management on XXXX/XXXX/16 that this information would be show in the correct status, and on XXXX/XXXX/2016 the information was not corrected to show included in chXXXX bk status and listed with other closed accounts on my credit. 

I have attached the now credit report showing this matter in dispute, as this should not be in dispute, the dispute was completed on XXXX/XXXX/16, and then placed back in the same status of ''collection unpaid ''. I have also attached the new credit report status, and the phone conversation between myself and an equifax 's credit management assuring me that this information had been entered correctly along with other applicable debtors that were placed back into an incorrect status. The other attachment is my XXXX showing XXXX XXXX as a creditor that was discharged in the chXXXX bk as of XXXX/XXXX/16 ( discharge order attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this with Equifax XXXX times now and they are not correcting the information. There is an account with XXXX that is showing 120 days past due - Paid in full. How can it be paid but past due at the same time? Its not 120 days past due. I 've explained it to them several times - over the phone and in writing and they will not correct it. The person I spoke to on the phone even said it does n't make sense, but they would have to re-send it electronically to XXXX which is what they said they did the previous XXXX times. This is effecting my credit score. I do n't know what else to do. They ca n't by law report erroneous information and their investigation process is horrible. There is no way I should have to dispute the same information XXXX separate times for almost a year with nothing being done. Please help. Can I sue them? They are responsible for reporting correct information and Equifax does not seem to take that responsibility seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax around XXXX XXXX because I had not received a response back from the alleged creditor. So I was disputing this inaccurate information pursuant U.S.C sec 1692g XXXX b ) : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

I called Equifax on XXXX/XXXX/2015 and spoke with XXXX. When I contacted the CRA they refused to remove the information and stated that I did not have the right to validate the debt because I was not the CRA which is not correct by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax shows XXXX accounts as " late '' or " delinquent ''. All XXXX of these accounts were subject to a bankruptcy processing of XXXX 2013. I have asked for numerous investigations by Equifax , but they refuse to remove or correct the information. Equifax currently refuses to reinvestigate the information, as they say they have already investigated my complaint and/or they say they have verified the information with the data furnisher. This is all despite the fact that I have furnished Equifax with all of the paperwork from the bankruptcy proceeding, which shows that I can not possibly own anything on these accounts, and they should have been showed " closed '', with " XXXX '' balance as of XXXX 2013. These accounts can not legally be shown as late or delinquent, as this is not a legal condition possible at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Reporting absolutely accurate personal information from multiple sites, Tried different addresses for time frames, formats, comma 's, hyphens, Equifax ( who I used to pay, and they had no problem then ), XXXX, and the " infotainment '' site XXXX, will authorize me without writing in with a copy of my drivers license ( for all the world to see ). As I prefer not to put out my FL high security D.L. is their any other method, or is that their way of getting me to pay for what they advertise is free? I 've double and triple checked everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax list student loans backed by the Stafford Loan agreement as " Installment Loans ''. Which technically they are installment loans but you can not declare bankruptcy on them. The other Credit Reporting agencies do not use Student Loans as installment loans. They are listed as Other or Student. That way the Debt To Income ratio for your score is not as highly affected. This is not fair if the Student loans are on a " Income Based Repayment plan '' like 48 % of Americans use. This compounds any actually " Installment '' loans such as Auto, mortgage, etc.. we may get. For instance my DTI ratio is 109 % because of the equifax listing. My student loans are compounded with my car loan. This throws your credit score down about 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax many different times to dispute this unknown account that is reporting on my credit file. Acct # XXXX. For some reason, it is still reporting. I sent them a Fraud Affidavit and the account is still reporting. I need your assistance in getting this account removed from my credit file. Apparently, Equifax have no regards for the laws.

Company response to consumer: Closed with explanation