vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights. I want it removed from my XXXX XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed with Equifax since XX/XX/XXXX about an inquiry made on my credit report with out my authorization by the company XXXX for adt services. I filed a total of 2 disputes with Equifax - XX/XX/XXXX and XX/XX/XXXX both of which are still pending and well past the 30 days required for investigation. This company had a representative that used my social security number without my permission to run an inquiry on my Equifax report for which I have filed a police report and complained to the company about numerous times. I have been in communication with XXXX at XXXX who keeps claiming to have sent requests to Equifax to have this inquiry removed from my report. Although I feel like it is quite possible that XXXX is lying to me about this and possibly have n't done anything I have in writing by email where she claims that she has. And yet Equifax still refuses to remove the inquiry from my report from either XXXX at XXXX 's requests or through my own requests via disputes and the 30 day investigation require- ment. I have been in contact with Equifax today and they have again told me that they will not be removing the inquiry unless they receive electronic request from XXXX XXXX, even though the dispute is still in pending status well past the 30 day period. So my complaint is against both companies as they are both giving me the run around and both have dropped the ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I do not have any negative information on my credit report. My credit accounts are paid before the due date. My credit score was XXXX but in the past few weeks ALL XXXX report my score as XXXX. I asked them why but they never answered me back. I need to know why this is taking place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, Equfaix and XXXX. Please assist with having this information remove from my credit file. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.

Complaint narrative:
I am XXXX and cant get student finance because when i was XXXX credit was obtained in my name and at the family address dont know who by or who to ask and now i dont know what to do to help remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I paid off a debt with XXXX XXXX and my credit report with Equifax has not yet been updated. I am including proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 'm referencing Case number : XXXX for a previous CFPB case, the reply was n't satisfactory and I disputed it mentioning what I really wanted which is explained from my response " my issue is that I ca n't access the report online, I did n't want to be sent a copy through mail. 
I feel more comfortable viewing my report online and I need to know why I ca n't. 
I appreciate the response but that 's not resolving the root cause, you are just fixing the symptom. 
Do I have to submit a complaint every time I want to view my report, I was even trying to register for your plan to view my report whenever I want, meaning i was willing to pay but because I ca n't access it online I ca n't even start the subscription '' Equifax did n't respond, they closed my case which is still very unfair because they have n't actually sorted out my problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX which was opened on : XX/XX/2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to Resident Collect and Equifax to reflect that I had a stolen identity. 
The CRA XXXX Equifax XXXX continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 

XXXX again contacted the XXXX ( XXXX ), and submitted again the information and they state via letter that : XXXX is no longer pursuing the debt and the account is closed. The also say that they have ceased activity and have notified the CRAs of this intention. I am wondering why Equifax refuses to remove this from my report. Please see the attached letter. I want this entry deleted NOW!

Company response to consumer: Closed with explanation
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: CT

Complaint narrative:
I disputed my negative accounts with Equifax. They deleted my accounts that were in good standing in the process. I then called customer service to request that the good items be put back on my credit report. They said that they would n't do it and were very rude to me on the phone. They deleted over 10 years worth of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These XXXX accounts keep getting re-added after being deleted. i have provided the XXXX for the XXXX account and the FTC ID Sworn Statement for the XXXX card account. 
Name : XXXX XXXX Acct # : XXXX Name : XXXX XXXX XXXX Acct # : XXXX These inquiries below are not mines and I have asked the banks directly to delete inquiries. I did not authorize dealer to make all these inquiries to my credit report. I even requested that in my email more than once not to submit deal to any banks. 

Inquiries XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 This is a fraudulent inquiry. 
Inquiries XXXX XXXX XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries null/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : :XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I submitted a dispute to verify the accuracy of the public record listed on my credit report. Per the FCRA 609 a ( 2 ), FCRA 611 - 15 U.S.C 1681i and FCRA 603. Equifax failed to comply with the FCRA requirements listed above. They only sent letter saying they verified the public record and never sent proof of the verification and the procedure of the verification process and never provided the name, address and phone number of the furnisher of the verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
my parents are both deceased. they left house behind and the house still has a mortgage. my XXXX sisters were living in the house and were not paying the mortgage. I called Ocwen after my XXXX sisters moved out the house. I was advised by Ocwen that if I paid the back notes the mortgage monthly note would still be {$480.00}. Ocwen advised me to file for a loan modification and while waiting for a decision from the loan modification I did n't have to pay the monthly note. They would add the months to the mortgage end date. I was denied three times. Each time Ocwen kept telling me to apply again. Well, XXXX months went by and me and my family are living in the house. So Ocwen offers me a re-payment plan two days before the Sheriff sale. Of course I adhered to the offer. Heres the offer : {$7000.00} down payment and 11 payments of {$1500.00} and then everything would be caught up and the note would go back to {$480.00} per month. Now Ocwen is claiming that I owe them {$2700.00} in fees and other cost .... and the new monthly note is {$1200.00} Ocwen are scam artist. Please advise me of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes on erroneous, negative accounts reporting on my credit file, via certified mail, over 60 days ago and never received a response. I sent another letter with the disputes as well as a notice saying that they never responded, after 30 business days, and still did not get a response. I know that they received the disputes because they deleted XXXX of the errors from my file!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft several years ago. I have police reports, etc. I filed to put fraud alerts on my credit report and I disputed the information with the agencies. They have failed to supply me with any supporting documentation of the validity of the accounts and they have failed to remove them. There are in fact accounts that I had from 15 years ago that they are still reporting even though they are violating the FCRA, and the florida statue of limitations. I have not been able to obtain credit until a year ago and it was a very minute amount of credit. The credit reporting companies have ruined my life and my ability to even buy a home, and because of their violations I have been forced to file for bankruptcy which will now stay on my credit report for 10 years. They are not even accurately reporting the bankruptcy information properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had XXXX accounts with XXXX XXXX and XXXX of them was a paid in full charge off that happened back in XX/XX/XXXX. Today, I have a perfect credit but still have this charge-off showing so I did what any person would do and disputed the charges. Today, I logged in to check my credit before traveling to XXXX tomorrow to find a place just to see that of course the item was not deleted as it should had been be re-aged to having derogatory marks that supposedly happened in XX/XX/XXXX. After almost having a XXXX XXXX, I tried to call them but they do n't have a number for you to speak to someone unless you purchase a credit report. This is a joke right? The account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX {$1200.00} XXXX {$1200.00} - {$1200.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$550.00} COLL {$550.00} - {$550.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$91.00} COLL {$91.00} - {$91.00} - - - XXXX EF I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX which is the creditor in question has failed to remove a debt that is more than 7 years old. The debt was a car repossession and it should have expired after 7 years or in XXXX XXXX in the amount of {$810.00}. I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year. The date closed now shows XXXX XXXX. 

The XXXX XXXX XXXX XXXX XXXX XXXX was also a repossession of a car and the account has been stated to expire XXXX XXXX in the amount of {$15000.00} also on every credit report I have since XXXX and I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year as well and the date closed now shows XXXX XXXX. 

This is not accurate. The car payments were missed in XXXX XXXX and the voluntary repossession was in XXXX XXXX. I have requested documentation via my attorney XXXX XXXX firm to show the validity of the voluntary repossession document, which I signed when the tow truck driver picked up both cars and the XXXX XXXX has not produced the documentation. 
This is fraud and I have documentation to prove on every credit report since XXXX the date that XXXX XXXX XXXX said the debt would be removed. 
I stand ready to pursue this matter to the full extent of the law and have informed both Equifax and XXXX of my intent and expect that the person or persons that are responsible for reporting credit be dismissed from the XXXX XXXX and face criminal charges of fraud and record tampering. 
Please let me know what the next steps are in remedying this situation. This is having an affect on getting credit cards that are required for me to travel as a XXXX XXXX XXXX XXXX XXXX and could have an adverse affect on being employed. 

I have taken snapshots of the credit reports and explained the circumstances in the letter attached, if you however require the full credit report I am happy to submit the full report. 

Thank you for your help in this matter, I sincerely appreciate it. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
In XXXX 2015, I spoke to Carrington mortgage to arrange to get current on my mortgage. The Carrington representative and I agreed I would make XXXX payments of approximately {$3000.00}. The Carrington representative took out the first installment of approximately {$3000.00} on the day we made the agreement by phone. About two weeks later I suffered XXXX and was unable to work. I was in the hospital and very limited physically. During this time, Carrington sent the agreement in writing to my XXXX XXXX XXXX which I was not able to check until much later when I was discharged from the hospital and able to walk and start leaving the house driven by family members to do errands. When I checked the mail, I got the letter from correspondence that incorrectly documented our agreement by stating I had agreed to make XXXX payments of more than {$5000.00}. This simply did not occur and was not the agreement made with my by the representative on the phone in I believe XXXX. If you note the payment I made it was approximately {$3000.00}, not {$5000.00}. I am upset that Carrington misrepresented the agreement and would like the company to review the phone records of the call to confirm that I did not agree to pay XXXX payments of {$5000.00} as I know I could not and did not make such payments, beyond the first {$3000.00}. Now that I am recovering from my XXXX XXXX I would like Carrington to explore my options for getting current on my mortgage and keeping my home.

Company response to consumer: Closed with explanation