vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: FL

Complaint narrative:
CREDCO supplied a tri-merged joint credit report with a company that I thought was a legal company on the day that it happened. The credit report was for myself and my husband. When I became suspicious because of other things that did n't seem right, I learned that the mortgage company has had an expired license since 2009. Then I asked the licensed real estate agent who did the paperwork in the licensed real estate broker office. I asked the agent why the mortgage company is unlicensed. He said it is because the company was his and that he closed it in 2009 but that he kept the account with CREDCO so that he could run reports on people. CREDCO has not responded to my email about it. It seems to me that CREDCO should know whether or not its customers are even in business, especially after 7 years of being closed. CREDCO has a duty to protect sensitive financial information from thieves. There was no way for me to know ahead of time that I was dealing with an unlicensed mortgage company. Beyond that, because I was in a licensed office with a licensed agent, it NEVER occurred to me that I would be victimized like this. That 's wrong. Very wrong. It is CREDCO 's fault for not knowing that their customer has been out of business for 7 years. Now we are open to identity theft. I have a copy of the CREDCO report issued to XXXX XXXX MORTGAGE.

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 2016-05-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate information is on my credit report with Equifax , XXXX, and XXXX. XXXX XXXX states I owe them {$1300.00} for non-paid rent at XXXX XXXX. I have no knowledge of this and have never lived at XXXX XXXX. I am applying for a XXXX job and need this to be removed. XXXX says they verified this information as correct and that 's impossible since I 've never lived at XXXX XXXX. How did they investigate this, something is very fishy and I just need this removed from my Credit Report immediately or I will be forced to take them to Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX account on my equifax report is incorrect it is a duplicate of an account that has been paid and closed. XXXX had XXXX accounts reported for the same address same account number with XXXX different open dates. I opened a account in XXXX of XXXX and requested dte to close the account in XXXX of XXXX due to me moving. XXXX sent the account to collection for XXXX that was paid to XXXX XXXX XXXX XXXX. Soon after that I received another collection notice saying I owe XXXX this account have been paid and closed. The account they are reporting that opened in XXXX XXXX is a duplicate and should be removed. How can I have XXXX accounts opened for the same address. The account opened in XXXX of XXXX is no longer on my report. The XXXX XXXX account is incorrect and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am being said to have obtained funds from U.S. Department of Education for {$5000.00} to pay for classes at XXXX University at the XXXX Campus for for the XXXX semester of 2012. 
The dilemma is that i have received notice from XXXX stating that their records indicate i stopped attending the XXXX 2012 semester at XXXX University on XX/XX/2012 for which is the end of the XXXX semester. I withdrew from classes at the end end of the XXXX semester as the notation attached herein as exhibit validates. 
I have contacted U.S. Department of Education at the phone number listed on the credit reports from Equifax, XXXX and XXXX, XXXX, entered my social security number and birth date, and received the message that i have no existing account and a {$XXXX} balance? I the contacted XXXX, WI XXXX, at XXXX, entered my social security number and birth date, and received the same message that i have no existing account and a {$XXXX} balance? This is in sync with the XXXX University notation date XX/XX/2012 that explains that the funds were returned to The U.S. Department of Education. See herein attached as exhibit, but the aforementioned credit bureaus Equifax, XXXX and XXXX have not removed the alleged debt even though The U.S. Department of Education has not provided them nor me with? 1. ) What address the funds came from? 2. ) What the serial # of the alleged check and or checks are? 3. ) Where, as in what bank the money was withdrew from? 4. ) Why does The U.S. Department of Education report that there is a {$XXXX} balance? 
The aforementioned defines that the alleged default of credit should be removed due to the alleged investigation of my dispute being inaccurate, incomplete and or unverifiable. 
The aforementioned has reports filed by said credit bureaus has caused me the consumer significant hardship fro my employer, my landlord, my insures as well as the creditor XXXX, for whom i sought to obtain a business and home loan that was denied due to the erroneous credit reports listed as public record. 
I have forwarded my disputes to The U.S. Department of Education, XXXX, WI XXXX, as well as to XXXX, XXXX, XXXX, WI XXXX, but to no avail, i have not received any of the information i sought to validate the alleged Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in the process of applying for a Mortgage loan. In Early XXXX, I noticed that the wrong Balance/Credit Limit was being reported on XXXX of my account. I called the Live Help Line of Equifax and the CSR asked me to tell her the correct information. However I just requested my Credit report today ( XXXX/XXXX/15 ) and the only information which have been updated is the Credit Limit. Almost 1 year of my payment history is not updated. Upon further review, I noticed that all my account listed on Equifax are missing my actual credit limits/payment history/balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I signed a contract for alarm service through XXXX, via their contracting company XXXX XXXX XXXX XXXX XXXX, in the contract, it simply stated a credit bureau would be ran. For clarification I asked the representative XXXX XXXX if it was a soft or hard inquiry & he assured me it was soft. The company then messed up on all kinds of things including the running of my credit. They ran my credit on XXXX/XXXX/16 & XXXX/XXXX/16 ( 2 days after the first time ). I contacted my rep XXXX XXXX again & told him they ran it twice and it was a hard inquiry not a soft as her assured me. He apologized and said he woudl try to get it straightened out. This was all via text on XXXX/XXXX/2016. Nothing was done. I spoke to XXXX at XXXX approximately 3 weeks ago, and was told she requested a deletion of the inquiry from XXXX but they will only remove XXXX inquiry not XXXX I pulled my credit again today & XXXX inquiries are on there. 
I believe that it is only fair that XXXX inquiries should be removed, as I was given false information by XXXX 's authorized provider XXXX. I never would have agreed to the contract if I was told it would be a hard inquiry. The company should be accountable for the information their employees provided me and the inquiries should be removed from my credit. The XXXX inquiries dropped my score XXXX points on Equifax. The damage to my score is not my fault and they should be removed as I was deceived by the company 's representative. I have all the texts should the company like to see them.

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 — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a single state income tax lien XXXX attached ) in duplicate on my credit report. 

I had a Georgia income tax lien XXXX XXXX XXXX ) placed against me on XXXX/XXXX/XXXX and paid the lien in full on XXXX/XXXX/XXXX. The Georgia Department XXXX XXXX charged a fee of {$25.00} in addition to the original lien amount of {$740.00} for a total payment of {$770.00} to satisfy the lien. 

The XXXX XXXX XXXX Court recorded the lien when it was placed XXXX XXXX XXXX in XXXX and then again to indicate its satisfaction XXXX XXXX XXXX in XXXX. Equifax is misrepresenting the recording of the satisfaction in XXXX as a SECOND tax lien on my credit report. 

Neither XXXX are reporting the second fictional lien but Equifax is XXXX see attached public records potion of my credit report ). 

Equifax has been put on notice by me and responded with Confirmation # XXXX XXXX see attached ) claiming they had investigated the matter and determined that each lien was reporting correctly. 

Either Equifax conducted NO investigation of my complaint dated XXXX/XXXX/XXXX ( see attached ) or their investigation was so SHODDY as to, in either case, constitute a violation of the FCRA by willful or negligent actions on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After obtaining a copy of my Equifax credit report, I noticed a collection account reporting on my account by XXXX XXXX XXXX XXXX for a debt for {$270.00}. On XXXX/XXXX/16, I attempted to contact the above agency to validate this debt through a letter sent certified mail, and as of today, I have not received any response regarding this debt. I have attached the letter and proof of receipt of my letters along with this complaint. The problem is I disputed this debt online with Equifax, and Equifax reported the debt as valid. How is the debt validated through Equifax, when the collection agency did not respond to my attempt to communicate with them regarding this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously contacted a creditor listed twice on my reports ( XXXX XXXX XXXX ) after I had disputed the listings on my report ( significant errors on listing, conflicting information, incorrect reporting ). I used the address listed on my Equifax credit report to contact XXXX. My letter to XXXX came back as undeliverable, that the address was no longer valid. I contacted Equifax and disputed the tradelines as a result, including copies of the certified letter which was returned and the certified slip from mailing. Equifax purported to investigate the dispute in a week 's time, and advised that they confirmed that the listing are correct. They also advised me to contact XXXX directly AND PROVIDED THE SAME INVALID ADDRESS shown on my credit reports to contact XXXX ( the address from which my prior certified letter was returned ). Clearly they either ( 1 ) did not investigate the dispute in any real fashion, or ( 2 ) XXXX continues to submit incorrect information to Equifax. I am uploading ( 1 ) a copy of my dispute letter to Equifax , ( 2 ) a copy of the letter sent to XXXX which was returned to me as undeliverable, ( 3 ) a copy of the letter I had written to XXXX ( which was undeliverable ), and ( 4 ) a copy of the dispute results provided by Equifax. This has been a frustrating endeavor which has harmed me and resulted in the denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Since well over Ten Years Equifax is using the same incorrect statements in the Credit reports of my wife XXXX XXXX XXXX as well of mine, XXXX XXXX XXXX. 
These are the wrong statements : XXXX Time of Delinquency is too recent or unknown. In Fact we do not have any Delinquency. 
XXXX Number of Accounts with Delinquency. 
XXXX Proportion of Balances to Credit Limits Is too High on Bank Revolving Accounts. These are the Facts : My wife and I have XXXX Credit Cards : No. 1 is a XXXX XXXX XXXX card for XXXX Purchases. 
No. 2 is a XXXX XXXX XXXX XXXX card for all our daily purchases/expenditures No. 3 is a XXXX card we have since 20 years, is rarely used, except when traveling abroad. 
No. 4 is a XXXX Credit card. 
No. 5 is a XXXX XXXX card with a 2 % rate for 18 months. 
All of the Balances of these credit cards are being paid off fully on a monthly basis or when otherwise due! 
Based on these facts the a. m. statements in the credit report are unacceptable for us. 
The same is true for the statements in the reports of XXXX and XXXX. 
They seam to feed on each other. This kind of poor/lousy business practice is hurting and has to stop. 
We like to get detailed explanations how the Credit Reporting Agencies collect their information and where they got these wrong statements from. 
Thank you for your help also in the name of millions of people who are negatively impacted, do not know and do not have the means to fight these unsolid business practices. 
This kind of " easy '', unsolid and lousy way to do " business '' has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my Equifax Report and Found a collection account from XXXX, I notified both XXXX and Equifax that these are Fraud and asked Equifax to block this account under FCRA Section XXXX and XXXX ( a ) ( XXXX ). Equifax failed to respond and did not follow the law and blocking these accounts that were setup as a result of my id information being used Fraudulently. I included the US DOJ Case # XXXX in my complaint, the DOJ arrested a person that has all of my info and also Fraudulent ID documents of mine and were selling it off to other people as well!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
AS IS REPORTED BY YOU OFFICE DITECH IS NR XXXX OR SO ON THE LIST OF THE U.S. WORST COMPANIES FOR COMPLAINTS OF FRAUD BY CONSUMERS. MY LOAN WAS ORIGINALLY WITH XXXX WHO TURNED IT OVER TO XXXX, WHO TURNED IT OVER TO GREEN TREE WHICH IN TURN WENT UNDERGROUND AND BECAME DITECH. XXXX ITSELF IS NOT MUCH BETTER. MY LOAN IS A SIX AND ONE HALF PERCENT LOAN WHILE THE REST OF THE U.S. IS IN THE ONE TO TWO PERCENT RANGE. IT IS A NO RISK TO DITECH XXXX XXXX LOAN.. I HAVE REPEATEDLY ASKED FOR AN INTEREST ADJUSTMENT BY DITECH XXXX AL. THIS IS A XXXX COMPANY WHICH ALSO OPERATES UNDER THE " DO IT TO OTHERS BEFORE THEY CAN D IT TO YOU '' COMMANDMENT AND THE BUSINESS MOTTO OF '' PREVARICATE, CHEAT AND PURLOIN '' THE LATEST COURT ACTIONS ARE PART OF THE CONTINUING EFFORT LOAN COMPANIES TO PERSECUTE XXXX XXXX AND THE CFPB, THE ONLY GOVERNMENT AGENCY THAT TAKES THE SIDE OF THE TAXPAYER AND CONSUMER. 
THE CONGRESS ITSELF IS PUTTING IN MAJOR EFFORT TO AUTHORIZE LOAN COMPANIES TO DRAIN THE BLOOD OF THE TAXPAYERS. I WOULD BE WILLING TO BE A WITNESS FOR CFPB AT ANY CONGRESSIONAL HEARING ON THE SUBJECT. DITECH EFFORT AGAINST ME IS ALSO XXXX ABUSE AND AGAINST CIVIL RIGHTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After disputing this multiple times with Equifax and filing XXXX previous complaints through CFPB equifax continues to report this account with inaccurate information. On XXXX/XXXX/2016 Equifax responded to the last CFPB complaint advising that they update the amount and closed the account. However Equifax left the remark of 60-90 days late. I received a message from the creditor ( XXXX XXXX ) on XXXX/XXXX/2016 advising that they called Equifax on XXXX/XXXX/2016 and gave them direction to update this account. However Equifax continues to report this account as they please. I am appalled at Equifax blatant and malicious behavior in managing this credit item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to Credit Bureau certified in XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from Equifax and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed a fraudulent account with identity theft police report I filed with local police department in which it states that I am a victim of identity theft and a fraudulent account was opened under my name from XXXX / XXXX which is a online web store. This account was disputed with Equifax on XXXX/XXXX/2016 and was removed from my credit on XXXX/XXXX/2016. Upon checking my credit again today ( on XXXX/XXXX/2016 ) it shows in my Equifax credit report again which means the fraudulent account is reinserted back in to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account is very old XXXX is past the statute of limitations please remove. I have an open active account that is in good standings with this same company. 

Remove this outdated item XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX, Equifax , XXXX, and XXXX in reference to XXXX XXXX XXXX XXXX report that I was 30 days late in the month of XXXX XXXX and XXXX XXXX. The car was paid off and sold in XXXX. The automated system states they have no information for an account with my social security number. I have called and spoke to the office of the president numerous times and they continued to give me the wrong information. I spoke to XXXX ID # XXXX who refused to give me his information. I requested he fax a letter showing the car was paid off in XXXX. XXXX ID # XXXX stated that they received payment in full via money Gram XXXX/XXXX/XXXX. At the time I was paying the car off the payoff information was wrong per office of the president. They are reporting conflicting information with Equifax , XXXX and XXXX.

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

Complaint narrative:
XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Equifax - learned about FCRA XXXX and sent on XXXX XXXX to block. Equifax refuses to block.

Company response to consumer: Closed with explanation