vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
Agency to report Equifax- the problem is not with the statement but with the process they have for the investigation. It is persecutory of the disputee. 

I have had regular of problems with Equifax Credit Report Bureau. They consistently have the wrong information & I have opened several disputes. Initially my mortgage account was listed as closed in my report summary although it showed payments were made. I initiated a dispute and it has led to a yoyo affect on my score. I believe it negatively impacted my ability to get a 'low score no problem ' personal loan. 

My main concern is with the inconsistency of my score. I found out today that when you open a dispute that item is removed from the calculation of your score, so while in the 30day 'investigation ' period your score can be negatively impacted. My score went from a XXXX something to a XXXX something XXXX when my score was in the XXXX 's I applied for a loan & made inquires about refi loans - the score plummeted in the middle of this applications & inquiries XXXX & back to a XXXX something in a month. I believe once my initial dispute was resolved I noticed that my address information on my mortgage account was incorrect, so I opened another dispute which brought my score back down again. 

This is not a fair business practice. One would think that they would maintain consistency with their product ..the 'score ' and make changes to after they have found & corrected the problems. 

Thoughts : Is it fair to be punished for asking that your information be reported correctly? 
Identity theft is a major concern, what about identity assault & battery by a credit bureau? XXXX 
It is an impossible trap. 

I told the credit score analyst that this is not a fair practice, that I think I will report it to the FTC, so knowing them they will change their tune & say that it was never their practice to remove the item from calculation while investigating ( It is like it is done for logistical administrative purposes to keep people from disputing incorrect information ). I have not been able to find my XXXX/XXXX/2015 score of XXXX on the Equifax site, since I sent it in a letter to the dispute department of my bank. 

Pardon my ranting but I feel that I am at the mercy of a large organization. I am at fault for my late payments, but I am at fault for their ineptitude? 

Please help me!! 


Who watches the watchers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I have now left 2 messages on the legal resolution team at Pressler and Pressler after receiving a second letter from their offices. I spoke to someone this afternoon and the amount I " owe '' has increased from the {$820.00} ( amount which was repeated several times throughout our communication as well as the number presented as part of evidence in their notice of motion paperwork. I would like to understand how the sum owed has substantially increased as of this afternoon to well over {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXXI sent to Equifax, LLC a letter that was dated XX/XX/XXXX via USPS, Certified Mail Number : XXXX. 
A Copy of this letter is attached for your review. In this letter I detailed XXXX ( XXXX ) concerns regarding my credit file that I felt needed that needed to be addressed that would help to improve my credit file. 
I am pleased to note that the outdated XXXX Bank credit reference was deleted. However, the much more serious reference was said to have been investigated and was reaffirmed as being reported correctly. 
I strongly protest the manner in which you arrived at your purported conclusions. I am sure that the supplier of information to you is flat out wrong because I am in possession of a copy of the original filing of the court papers. I have enclosed a copy for your review. Note that in the top right-side portion that the date stamped is " XX/XX/XXXX, XXXX. '' Additionally, note that on the middle right-side of the same page a reference to " XXXX 's Department, XX/XX/XXXX XX/XX/XXXX. '' A copy of the first page of the summons is attached. 
This papers clearly refute the allegations that an investigation was done that confirmed the information to be correct. If it were done, what was the source of proof? 
This is the basis of my request to delete this wrong credit reference due to conflicting information that makes me the recipient of prolong and erroneous credit reporting. Again, this information needs to be immediately deleted. 
The importance of this request is under-stated by XXXX ( XXXX ) separate attempts to open an account with XX/XX/XXXX. I have attached a credit denial letter and a more recent online chat session with that company 's representative. Of the online chat, pages XXXX, XXXX and XXXX details the attempts to get a deposit in advance of service for the account security. 
Erroneous and outdated information is not to contained in one 's credit file. It is my desire that it not be a part of mine forcing higher charges for the basic services and other life needs. 
Your assistance in this pursuit is deeply appreciated on my behalf. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX/ Account # XXXX $ XXXX is reporting in my credit reports Equifax \ XXXX \ XXXX as mine wrongly with a late paid and this account ise n't mine, it was prove that my account was XXXX XXXX XXXX XXXX ( account # XXXX*Good Standing $ XXXX ), when i file the problem they deleted My account and left this other account in my reports. This is a violation and defamation of my credit report. 
Please have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 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:
Please see attached lawsuit and first amended complaint. Please remove the derogatory items off of my credit report. 

Continuing to report these items can be seen as willful non-compliance. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my husband 's XXXX school. I should be listed as a co-borrower and they have me as primary. But most importantly, they are reporting inaccurate information. We are current on this loan as we have monthly automatic payments taken out. They have fixed the error with my husband 's credit report but are refusing to correct mine. 

The company has refused to correct the issue and Equifax has closed any and all disputes stating the creditor has validated the account information. I have attached supporting documents, supporting my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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:
Please be advised that I see no other recourse but to file a complaint against XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued XX/XX/XXXX. I was late with payments at least three times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XX/XX/XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, Equifax states a XX/XX/XXXX deletion of the account, XXXX states an XX/XX/XXXX deletion date and XXXX states a XX/XX/XXXX deletion date. In essence, XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval XX/XX/XXXX. I am well within my right on such a request. XX/XX/XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX University XXXX XXXX has false reported to Equifax a {$0.00} charge off balance on my credit report when confirmed by a previous cfpb case that their entity was deleted XXXX XXXX, 2015 and now are illegally allegending claim once the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Always apply any freezes and unfreeze to report online. Attempted to temporarily lift credit freeze online for a certain amount of days and received error message. Attempted again TWICE and payment processed and charges fee TWICE but freeze not lifted without written letter that I have since submitted. No fee should be charged if freeze was not lifted and there is no reason why my account should require request in writing unless this is retaliation for filing earlier complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX County Tax Lien showing on my Equifax Credit Report should be removed as it was filed in error over six years ago. I have submitted several times a copy of the Satisfaction of Lien from XXXX XXXX yet Equifax continues to report this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Three years in a row I 've tried to receive my credit report online. Never had issues with XXXX or XXXX. Equifax is the only one that repeatedly will not provide my free report online. I needed to dispute inaccuracies on my reports that are being shown on various websites. I did that through XXXX, and XXXX just fine. I go to file an online dispute with Equifax and was denied access due to my failing of verification questions. The same thing that happens each and every time I 've ever tried to receive my free report online. I have to wait weeks for it to come in the mail, if it shows up at all. Upon submission, the page comes up with an error message that says, " the information you provided does not match our records. '' Well, the questions they asked were pretty straight forward. 1. ) Mortgage loan. - Well I 've never owned a home. Obviously the answer is none of the above. 2. ) Monthly payment of above loan - Well I do n't have one. Obviously the answer is none of the above. 3. ) Address associated with my credit - I know where I 've lived. 4. ) Auto loan I just paid off last month - I know what bank I 've been paying each month for years. YET! It tells me that information is wrong. Simply due to clear inaccuracies of their " records '' and now being concerned about possible identity theft I phoned multiple times to receive another free report in which I 'm ENTITLED TO BY FEDERAL LAW. Spoke with numerous people, through numerous departments, with even a supervisor and they REFUSE to give me my free report. They 're very quick to offer to give me one if I pay for it though. This is fraud, and breaking federal law ; and I was very concise in explaining to them the laws they 're breaking. It 's clear their " records '' are incorrect, contain inaccuracies, or I would n't have failed the verification questions. If I have evidence they are reporting wrong information, their records are inaccurate, or am concerned about theft, it does n't matter if I received my free report nine months ago ; I am entitled to another one from their bureau. After doing research, it seems this is common practice with Equifax just to get people to purchase another report. I smell a class action lawsuit coming in the foreseeable future, which is why I " audio recorded '' their associates refusing to provide me my report unless I paid for it. Their online error messages suggest solutions, which are quickly denied upon contacting them. They are reporting false information, and refuse to provide me with the required information to be able to dispute it. THAT IS ILLEGAL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: DC

Complaint narrative:
CREDCO pulled my credit report unauthorized. I did not give this company verbal or written permission to pull my report. This company has abused my rights by pulling my report 2-3 times in one week.

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 2015-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED MORTGAGE CORP
State: FL

Complaint narrative:
I started working with United Mortgage Corp out of south florida. The first phone call was great, they really are good at pulling you in! I spoke with the manager for over an hour and then i was passed off to XXXX XXXX. He thought he would be able to get my a conventional loan and after put the the software stated i would need to go FHA. I was original told my rate would be no more than 4.5 % max. He told me the fed came out and rates went up ( this was XX/XX/XXXX ) ( rates haven risen yet, but most likely they will later today XX/XX/XXXX ). Anyways my rate was now 4.875 % for conventional but since i couldnt do that he locked me in at the same rate for FHA!! i was skeptical, i called another firm and he told me that he could get my FHA at 4.25 % about a {$50.00} a month in payment based on my principle. His lending fees were also over XXXX the new guy was XXXX. I feel that if i wasnt willing to take a risk to try the new lender ( i was already under contract ) i would have been stuck paying a much higher rate than i am now. I know it is illegal for mortgage lenders to make money off the spread but why was their rate over .5 % more? Someone padding pockets at UMC? Please use UMC in XXXX XXXX XXXX if you never want to be able to reach your loan originator, and want to pay a rate way to high! Oh yeah XXXX XXXX also lost another mortgage of a client that was working with the same real estate broker as mine and he has the nerve to ask my realtor why he is losing business. XXXX ITS BECAUSE PEOPLE ARE NOT IDIOTS AND ARENT GOING TO OVER PAY YOUR RIDICULOUS COMPANY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
An erroneous reporting on my equifax credit report shows a {$190.00} owed to XXXX. I have never opened nor had any power account with XXXX. In fact, during the time that this account was opened by an identity thief back in XX/XX/XXXX/XX/XX/XXXX I happened to be stationed abroad. I submitted pages of my passport to Equifax showing U.S Customs stamps proving that I was indeed abroad and could not have possibly opened that account but Equifax will still not investigate the erroneous reporting. My latest dispute that was certified-mailed on XX/XX/XXXX to Equifax on this matter, they never even bothered to respond to my dispute. It 's been +45 days now, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had XXXX lens on my report which Was paid in full and should be removed but it 's still on my XXXX and equefax report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a Incorrect reporting in my Equifax, XXXX XXXX, and XXXX.Credit report. They are reporting incorrect information and refusing to remove it. I have sent them Dispute letters and asking them of validation including plaintiff, Plantiff 's attorney, Creditors, amount, claims, assets, exempt amount, The exact date of filing. Trustee, who did they speak with They just send letters stating that they verified it with the bankruptcy court! That 's a lie, I contacted the bankruptcy court and they informed me that they DO NOT provide information to the CRA. Also they are refusing to remove chapter XXXX after 7 years. I asked how can there be a Chapter XXXX without plaintiff 's creditors, assets, amounts? They just say it 's verified. 
Your help with this mater will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX account is being reported as 1st date of delinquency as XXXX 2015. The account was paid in full well before that date so how can the 1st date of delinquency be XXXX 2015. please have them delete the whole XXXX account /file from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Checked my credit report and found there was a hard inquiry for XXXX that I did not authorize. I did not apply for ANY credit on XX/XX/XXXX. This is being reported at XXXX of XXXX credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
A company called XXXX is showing up in my credit report I am not familiar with this company stating I owe XXXX. Showing fraudulent. I am disputing this. I need to get a hold of this company. I want to know why is there company showing up in my credit report. This is showing up in TransunionI have tried emailing and calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has been on my Equifax Report for over 9 years. This violates the Fair Credit Reporting Act which states 7 years only. Equifax removed it 4 months ago because XXXX continues to submit intentionally inaccurate information so they can re- age the Account. The past year Equifax has reported there has been no payment history for 81 months. If you add 81 + 12 that is over 7 years. In addition XXXX has claimed I made payments in XX/XX/XXXX and XXXX of 2015. I did not and the balance has n't changed in 13 years. Equifax continues to report XXXX even though they know all of the details are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Timothy C. Runyan, P.C.
State: MI

Complaint narrative:
I went to XXXX in XX/XX/XXXX with a XXXX debt.a firm purchased it and sued me while in XXXX.I was given something to sign by a guard.was n't given a chance to read it, ask questions or anything.did n't receive a copy.only legal advice I got was guard saying it would n't matter by the time I got out.when I got out in XX/XX/XXXX.I got a job and suddenly my wages are garnished.me nor anyone else had any idea that firm had been charging twelve percent interest the whole time.no attempt was made to inform anyone of anything.I panicked at the garnishment and made a deal for weekly payments.I 've been paying every since.they 've collected twice the original amount and I still owe.I feel the way they handled the situation was sneaky, underhanded and just wrong.it 's hard enough for an ex felon to make a living without this.I need insurance, dentures, my kids need help but any money I have is going to the firm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX account was closed on XXXX/XXXX/XXXX. I was never late. The account was transferred on XXXX/XXXX/XXXX to a unknown company, and is now reporting fause delinquency on XX/XX/XXXX. This is illegal. Im very tired of tying to fix my credit report. I want this account deleted from my credit report completely. It is showing on my Equifax report. XXXX does not own this account. its a junk debt company trying to reage my account to illegal collect on this account.

Company response to consumer: Closed with explanation