vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: GA

Complaint narrative:
we have been contacted by hunter warfield collection agency approximately 5 times. each time we requested paperwork sent through the mail for official verification. each time I provided my address and each time I was told that I would receive it within 7-10 days. I have never received anything. the last time they called me they were extremely rude and disrespectful. they argued with me and said they sent it when they never did. we told them we had no problem paying them as long as we received something official in the mail. they argued, their supervisor argued and then they hung up in my face.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Collection Agencies are Inaccurately Reporting Closed ( Charged Off Accounts from a year ago ) as Open and Late every month. I do not have any payment agreement with the Collection Agencies so they can not report a payment as missed or late. I did not open any accounts with the Collections Agencies. XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. Please delete their payment history as they are not late every month. These accounts were closed long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: CA

Complaint narrative:
I had completed return and renew my vehicle in 2013 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to XXXX forget to return the XXXX vehicle electronic key to XXXX, so XXXX XXXX XXXX bill me the penalty {$470.00} start from XX/XX/2013! and then I had complain with XXXX and also contact with XXXX financial services so many times for remove the record, but no any action, and then they still transfer the bill to Debt collection company -- --! so please help me to dispute my inaccurate information on my credit report! Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted all the forms as required for an extended fraud alert : police report, social security card, and driver 's license. However, my account was only placed on 90 day fraud alert. I submitted one letter and another application with no response. My account was actually breached on my credit card ; police report to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A account from XXXX XXXX XXXX and a collection account from XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade lines with Equifax and supplied them with a copy of my police report, the XXXX accounts were removed. However, Equifax re- inserted the entries without informing me- when the accounts do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT

Complaint narrative:
Caller says company name and who and why they are calling when calling a co-worker at place of employment. Asked repeatedly not to call at work. Blocked number from our end. Company continues to call using numbers associated with other companies. Privacy laws of all sorts including harrasement from company who calls over and over all day to both home and work. Threats that if we hang up she will make my life " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please accept this as a formal complaint against Equifax Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Under Associated Addresses, Equifax report, wrong address is listed ... have never ever been to that state!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is, in my opinion, ruining my credit report on purpose. It is amazing to me how inept they are being about fixing their own mistakes. I have literally sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ridiculous statements trying to tell me that I am the one who is wrong! LIKE REALLY?! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history WITH THE BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My husband and I had a mortage on our house. We paid it off early and notes were always paid on time. Just recently I got a copy of my credit report and the mortgage was not on it. The bank was dissolved a few years ago. I contacted another bank that has taken over and many of the employees were with the original bank. They told me that it was not the policy of the original bank to turn in the credit to the credit agencies. ( What??!! ) They suggested that I get a Deed of Trust from the county office to send to the credit agency which I did. The credit agency said they do not accept anything from individuals, just institutions. On the deed of trust is the information that the maturity date of the final monthly installment was XX/XX/2023, so obviously we paid it off early. I want that to be on the credit report because it was the largest loan that we ever had. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I attempted to send my documents and dispute online. with Equifax. I was unable to because the security questions did not match my information. When speaking to an agent on the phone, the agent became confused and switched my name, so that my last name is now my first name and my first name is now my last name. I am also now married with a different last name, which has only added to the confusion. I have gotten several emails indicating that my dispute is completed and I can check the status. All my attempts to check the status of my dispute have been unsuccessful, I believe because of these discrepancies of information. I only have until XXXX/XXXX/16 to check the status. I have checked my credit score through XXXX XXXX. Equifax is the only bureau still showing that my XXXX judgements have not been removed. I have legal documents to support that the judgements were paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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 from my credit report that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It appears that there are Liabilities on my credit report that do not belong to me. Such as XXXX, XXXX, XXXX, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX XXXX, 2016. Equifax responded to my disputed inquiries that I made them aware of since XXXX 2016. Equifax stated to all my disputes " Inquiries are a factual record of file access ''. I requested Equifax to conduct a legitimate investigation and provide me a copy of the documentation that was used to verify that the inquiries were legitimate. Equifax has failed to comply with my request and have exceeded the XXXX required by the FCRA to conduct there investigation. The dereliction of duty by Equifax is having a negative effect on my credit worthiness and credit score causing me to have a great measure of distress. The following are the disputes I filed with Equifax : XXXX XXXX ( 2 TIMES ), XXXX, XXXX XXXX XXXX ( 3 TIMES ), XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 TIMES ), XXXX XXXX XXXX XXXX ( 2 TIMES ), XXXX XXXX, XXXX XXXX XXXX XXXX, & XXXX XXXX. Please be advised that I have written and called these institution 's and they have informed me that they cant do anything for me and that I will have to contact Equifax. This proves that Equifax has not conducted an ethical and proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Did not receive verifiable proof ( an original consumer contract with my signature on it )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I received on XX/XX/XXXX a letter in the mail from Pressler & Pressler with a court date of XXXX XXXX at XXXX. The last contact I had with this company was XX/XX/2015 after a summons had been found on my sister 's front door, the incorrect mailing address. I quickly called and agreed to enter a repayment plan as soon as the requested paperwork - a verification of the amount owed, a payment agreement in writing - would be presented to my current mailing address. I refused to provide my bank account/credit card via phone until that information had been forwarded to me. In the letter left in my mailbox, Pressler and Pressler indicates the dates of our communication as being over a year ago and fails to provide any repeated communication attempts or explain how I failed to make payments on an arrangement which was never agreed upon. Pressler & Pressler has failed to contact me or make any attempts to enter a payment arrangement with me and failed to provide any correspondence for the past year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQUIFAX allowed 50 credit inquiries from various and same car loan companies to obtain information on my credit report without my permission. I have requested EQUIFAX to remove these inquiries and they have failed to respond or remove the inquiries. Its illegal to obtain a persons credit report without their permission 56 inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX has false information on my credit report. I had XXXX credit card with this bank back in XX/XX/XXXX. I have not had any credit with them since. I filed bankruptcy against this credit card, in XX/XX/XXXX.they say I have other existing accounts that I owe them. and this is false info.Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
How can Equifax keep all items of credit history on the report for 10 years regardless of the other agencies taking the old debt off and following the 7 year rule?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX XX/XX/XXXX through Navient XXXX XXXX, PA XXXX, I want this loan information immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it paid in full. Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in 2009 in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Last year, Equifax had my information mixed with someone else and as a result I had them remove and fix it. I recently applied for an apartment and I was rejected due to a bad credit score. I checked my recent credit report and everything seems to be in order but my credit score is still bad. I have no debt and paid off all my loans so I do not know why the score is so low. I can not get a hold of a person who can help when I called Equifax and kept getting transferred back and forth and was on hold for over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account was disputed and the company mailed me a letter stating they were going to delete the account. This account from XXXX has to be deleted immediately. See attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been the victim of on going ID Theft. The suspect has been charged and arrested. I have sent Equifax proof of this numerous times and they refuse to do anything other than tell me the fraud accts have been verified as mine!!! Police report after police report has been sent in. Every time I call and try to speak to someone I end up getting someone who does not speak XXXX very well and I keep getting the run around. I please ask once more that Equifax take this matter seriously and block the fraud accounts listed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax continues to post that I owe money to XXXX XXXX in XXXX XXXX Oregon on XXXX accounts. I called XXXX XXXX XXXX, XXXX and asked if I owed them money. They said I did not and had paid it off in XXXX. I want these accusations removed from my record on Equifax immediately. I have already filed a dispute with them longer than a month ago and they continue to have it posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is no final decision. Here 's the thing. I have been fighting with all XXXX credit reporting agencies for years. They are supposed to do investigations. An investigation is more than just contacting the creditor ( which pays the credit company so there is conflict of interest ). Public Record is no longer being used for FICO so that has to be modified. In my Equifax report : Case XXXX The Plaintiff is listed as XXXX County Clerk. This is wrong the XXXX County Clerk is a repository and has been on the report for too long. I also do not work for XXXX - wrong employer.

Company response to consumer: Closed with non-monetary relief