vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I recently applied for a XXXX XXXX and received a denial letter and they used my credit report from Equifax. Reasons for denial, judgement, derogatory public record, no recent non mortgage balance information. All false information and none should appear on my credit report as I just received my current credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently I complained about XXXX XXXX XXXX wrongly reporting an issue that has been solved years ago, so I contacted this office, after the investigation XXXX XXXX corrected my credit information, thus my credit score, Equifax did the same, but few days latter Equifax went back to the old numbers, saying that they are still investigating.My question is, if XXXX XXXX accepted my explanation and their investigation proved that I was right, how come Equifax is not accepting the same explanation, more over, correcting my score then rolling back again.Please help. Thank you.PS. I do n't know how to attach documents, such as letter from XXXX XXXX, unless I can mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have filed lawsuits against XXXX and Equifax. A s a result, these credit bureaus will not supply the required annual report for unknown reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Previously deleted student loans that were at a XXXX balance have had the original balance added back to them and reinserted into my credit report. This erroneous error has negatively affected my credit score and student loan balance. 
Account Type Previous Balance New Balance Reported By XXXX XXXX {$2500.00} {$2500.00} ( - {$25.00} ) XXXX XXXX XXXX {$3100.00} {$3100.00} ( - {$31.00} ) XXXX DEPT OF ED/XXXX XXXX {$0.00} {$1100.00} ( + {$1100.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$6500.00} ( + {$6500.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$3500.00} ( + {$3500.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$2500.00} ( + {$2500.00} ) Equifax XXXX XXXX {$3100.00} {$3100.00} ( + {$31.00} ) Equifax XXXX XXXX {$2500.00} {$2500.00} ( + {$25.00} ) Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not have a XXXX XXXX credit card account, please remove this mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditor XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 years ago I was slow paying my XXXX XXXX bill and had to go on a payment plan with them. 
I try several times to get Equifax to remove this file of XXXX XXXX become the law states that they can only report it for 7 years or 10 years if it 's a court judgement. This XXXX XXXX file has been on my Equifax file for over 15 years since XX/XX/2000. XXXX and XXXX has removed upon my request with no problem. I also try several times with XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is XXXX EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$210.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wrote Equifax on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Complaint number 5 - XXXX XXXX. 

There are at least 4 prior complaints regarding Equifax 's reporting of this account on my tradeline. 

All complaints have surround the " Activity Designation '' that EQ uses to define the current status of an account, be it Paid/Closed or NA when Open. 

It is apparent that when this value is not accurately set, that the PAY history - fills in wholly inaccurately, as the account has been closed for months. 

I have attached a sample report from Equifax 's own website, and on page XXXX, is an account with a " Closed Date '' and then - an Activity Designator that they display and expect to be present. 

During these XXXX previous disputes with EQ - their manual updates, have destroyed the tradeline. 

The Pay History present previously and - traceable submissions to them by XXXX XXXX, is now gone. 

The Balance History present previously and - traceable submissions to them by XXXX XXXX, is now gone. 

That is attached as well. There is also an attached document from the printed reports showing the Pay and Balance History - deleted. 
This account had perfect payment history. 
This account has perfect balance history, to support its pay history. 

Equifax - if you can not go back to the original creditor and put the account back to which it started and then stood until closure, you have left this trade line inaccurate and wholly incomplete. 



In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have several inquires on my report that I didnt authorize. I have file several disputes and the only thing equifax say is : Its factual ... I have faxed them and asked for validation or proof I did it. Equifax in return dont answer my request each fax was issued a confirmation number XXXX, XXXX, XXXX, XXXX, XXXX and XXXX their excuse of not answering my request by fax is they thought it was fraudulent with all my personal information attached and the fax was sent through a secure line. Their stall tatics and the round around they give you for trying to get them to report 100 % accurate information os ridiculous. Then they had said teo of the inquires wasnt reporting on my credit report of course not when you have to dates wrong. These are the inqyires thats in questioning and I want them removed XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ( never been to Texas ) XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax , after leaving me on hold for 2 hours, simply hung up on me when I asked for a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX took money from my credit card for payment over two years and later sent me collection agency to get their money. Eventually the Merchant Credit took me to court to get the money in XXXX 2015 and they told my to take legal action on the money they took from my credit card. After XXXX 2015 they continued to take money from my credit card even though they told me my account balance is zero. XXXX XXXX Bank put a dispute and when we had a conference call with with XXXX help, they could not provide the answers about taking my money illegally. The collection agency report affected my credit score which I believe was not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I launched a dispute against Equifax on XX/XX/XXXX regarding the below accounts : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, NY XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XXXX XXXX, XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. To speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

On XXXX XXXX, XXXX, Equifax indicated that they had no record me previously filing a complaint regarding the above accounts. And indicated that I would received a notice within 30 days. After reading the response, I logged into the Equifax website and download proof that indicate my previous attempts regarding the above accounts. I have attached proof that Equifax did not investigate my concern properly, and I want these account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I got a judgment on my credit report that said satisfied I have not paid it in full they have 15 days to tell the court they have not done so I will half to fax you the paper work my credit report shows XXXX that is not right thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from XXXX notifiying me of my current score which was obtained from Equifax. 
According to XXXX as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against Equifax in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from Equifax and it stated my current score was XXXX. I tried to reach out to XXXX and Equifax to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date XXXX has refused to look into the matter and provide an response or corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen provided false and or conflicting information regarding the status of an alleged loan to your office on XXXX XXXX, 2015 in response to a complaint submitted to your office. Ocwen claimed that the loan had been placed on " HOLD '' but in my complaint to your office there was evidence that Ocwen communicated to me that the foreclosure had not been initiated, perhaps because they rescinded the foreclosure because of all the defects in the original foreclosure. These XXXX statuses are completely different and Ocwen failed to respond to the delinquent letter that it mailed out. On XXXX XXXX, 2015 I received yet another delinquency notice from Ocwen making a second claim that the first step in the foreclosure process, the first legal filing, has not yet been completed, but yet Ocwen is claiming to your office that the foreclosure is on hold. Also unaddressed in my last complaint was Ocwen 's counsel 's threats to have me and my wife imprisoned for filing an FDCPA suit in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several discrepancies on my credit report. I had initiated a fraud alert but the very items in question proceeded to collections. The judgments have been ruled in favor of the collection agency based on fraudulent address ( utility bills and cell phone bills ). 
Also due to unemployment, I lost my home due to foreclosure after that I received an amended tax bill stating the credit card balances has been recorded as income on cards that we settled through a debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX REFUSES TO SEND ME NEW YORK STATE SECURITY FREEZE PIN NUMBER. 
EQUIFAX DENIES ME FREE ANNUAL CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
had requested Equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
my mortgage compnay is handling escrow account inappropriately i requested the escrow analysis, but they do not provide the information properly. Also, i wrote a letter to request to close PMI, but they would n't close PMI in escrow. I called numerous times about this matter, but they would n't close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and pressler of XXXX Nj have taken from my bank account almost {$3000.00}. They have taken out money which they have no recollection of. They have no documents of the funds taken out and have asked me to find the proof they took it out. I called my bank which they clearly see pressler and pressler are the ones who took out my money. They have wiped out my account one week before XXXX. Please help me. They have been causing me nothing but stress the past 3 years. I do n't even get notices from them. When I called them after they took the last of my money again they gave me an address I lived at ten years ago!!! They were n't even sending the notices to my current address!!! The funny part is that they had my current address. It seems like they were purposely sending to my old address to have full power on knowing they will be able to clean out my bank account. I 'm a single mother and work XXXX hard to have these scam artists take my money!!! Please Help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is a collection on my current credit report from Equifax and XXXX that belongs to my XXXX sister. The collection is a medical bill that I am not liable for. I am XXXX XXXX military and I am covered under XXXX XXXX XXXX, fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to apply for a home loan. I was denied because of my credit. Once I looked at my report I had XXXX accounts on my credit report that did not belong to me. These are the accounts listed on my credit report that does not belong to me : XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)

Company response to consumer: Closed with explanation