vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX has been investigated for over 30 days and they are still reporting the wrong date opened. i also have not received proof of their investigation including a copy of the original signed contract. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX CA XXXX The short sale was started XXXX/XXXX/2016. An authorization and short sale package was submitted to Seterus. Seterus has been rejecting our authorization and would not explain to us the problem. I called in again today on a conference call with the homeowner, and found out that Seterus added an attorney as authorized third party. The homeowner then requested that the attorney be removed as an authorized third party, as he was no longer working with them. The rep we spoke to, XXXX stated that the homeowner does not have the authority to remove the attorney as an authorized third party. She stated that the attorney is the only one that can remove themselves as an authorized third party. 

At this point it is important to note that the attorney was not authorized on the account as part of a bankruptcy or any legal action of any kind. 

So, basically, the Seterus rep, XXXX, stated that the homeowner does not have the legal authority and ability to remove the attorney as an authorized third party from their own account. 

... .. SERIOUSLY? 

... .... WHEN DID THE HOMEOWNER LOSE RIGHTS ON THEIR OWN ACCOUNT? 

Seterus will add ANY attorney to ANY of their clients ' accounts as an authorized third party and further damage their own client by giving that attorney COMPLETE AUTHORITY on the account. Seterus is giving an attorney the power to supersede ANYTHING the homeowner says, and the attorney can basically do whatever they want with the homeowners financial and mortgage obligations and the HOMEOWNER has NO SAY WHATSOEVER ON HIS OWN ACCOUNT. 

HOW CAN THAT POSSIBLY BE LEGAL?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have constantly disputed items on my report as not mine and they constantly say they are, I 've submitted multiple documents, now on the latest dispute they placed a fraud alert that I did not request and mailed me XXXX letters from equifax, XXXX for me at the correct name and another in a similar name but different middle initial, they are merging my credit with someone else 's and refuse to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been making car payments through XXXX. Its not posting anything and its been a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XX/XX/XXXX, but all payments were made on time until XXXX XXXX when I lost my job. XXXX has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. Equifax has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX account paid in full over four years ago. Also XXXX inquiries counted double. Would like the doubles removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax refuses to give me a free credit report. Equifax has never provided me with a free report since the implementation of AnnualCreditReport.com. 
1. From XX/XX/XXXX-XX/XX/XXXX, Equifax refused to provide me with a free copy of my credit report, stating that I did not know what my previous address was. I did not attempt to get a credit report from Equifax again until XX/XX/XXXX. 
2. XX/XX/XXXX, Equifax refused to give me a free credit report because I could not answer a series of false questions and answers. All the questions and all the answers were for accounts that I have never had or authorized. These include XXXX questions about a mortgage-I have never had a mortgage in my life. I attempted the " quiz '' 5 times XX/XX/XXXX and XX/XX/XXXX 
3. I submitted all the hardcopy documentation and forms required by AnnualCreditReport.com and Equifax on XX/XX/XXXX. 
4. I received a letter from Equifax on XX/XX/XXXX, dated XX/XX/XXXX, stating that Equifax refuses to give me a free credit report and that I must pay {$7.00} for a report. The letter also stated that I must re-submit all the documentation I already sent. 
XXXX. The other XXXX credit reporting agencies both provide me with a free annual report and all of their information and authorization questions are correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
someone in Kentucky used my master card to buy from XXXX on XXXX/XXXX/15 for {$67.00} twas not I, my card has been hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
Our current mortgage is with Seterus out of XXXX XXXX, Mi. About a month ago we applied to XXXX XXXX Bank in XXXX, Ohio to refi at a lower rate and shorter length. A request by the XXXX to Seterus was summited twice and and it has been almost 3 weeks and still no payoff has been sent to the XXXX. I called yesterday to Seterus and was told it would be XXXX to 2 weeks more before they could process the payoff. This is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had XXXX XXXX XXXX XXXX account investigated in XXXX 2015. After the investigation was completed this account was removed from my Equifax Credit report. I just checked my credit report today and that same account is reporting again. Why do consumers have to go through investigating information on our credit reports and then in a couple of months the information that was deleted appear back on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I would like for Equifax to take this mortgage off of my credit file. I had my attorney review my credit report and he was the one who discovered the XXXX XXXX as the creditor for this mortgage on my credit file. I do not have a mortgage nor have I ever had a mortgage, take this information off of my credit file immediately.

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 — Public record
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
There is a judgment on my credit report which does not reflect as being satisfied. To date, XXXX and XXXX have completely removed the judgement from my file. However, XXXX has not removed this from my credit file although the judgment has been satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello I was involved in auto accident in 2007 a ( fender bender ) and that person named XXXX XXXX ran to the courts filed a {$500.00} lien against me right away. He argued his case in court against my insurance company and lost. I still show a public record on my credit for absolutely no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I went through a divorce. The court ordered my ex husband to pay ALL remaining marital debt. That time frame would be from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I need these debts removed from my account, because he agreed in court, the judge ordered it, and I should no longer be responsible. This goes for accounts in collections, student loans on hold due to forbearance, and any other remaining debt within that time frame. Also I need to update my name change and address. I will attach all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is ( XXXX ) XXXX and all those other numbers, either do not belong to me, or are outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was using the Equifax website to perform a temporary lift on my frozen credit. After filling out the required information and submitting it, the company 's site timed out while processing my credit card information for their required XXXX dollar fee. I then used their customer service line to check if the temporary lift had gone through. The customer service rep, who said her name was XXXX, told me that the temporary lift had gone through but that I had submitted multiple times ( she later said 2 or 3 ) and, thus, I had been charged multiple times for that XXXX temporary lift request. I had only submitted the info once before their system went down. Thus, they have overcharged me because of a problem with their online system. No one there at the Equifax customer service could refund me the charges made in error by their organization. I now have to submit documentation of the billing charges and give reasons as to why they should refund me the charges they erroneously made even though they already confirmed the multiple charges. Further, they only accept a faxed letter as there is no physical address or email address for their refund department. Needless to say, I am irate at this company for a poor website that overcharged me, customer service which can not help me, and a refund process that is set up to disincentive anyone attempting to get a refund of money that they are owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
An old XXXX account for {$85.00} keeps appearing on my Equifax and other credit reports. I have it removed from XXXX report only to see it re-appear under a different debt collection agency. Previously, it was XXXX. Now, it is XXXX XXXX XXXX. I disputed this account with Equifax and the said it was valid. It is absolutely not valid and they will not take further action. I want this XXXX account to go away forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: NY

Complaint narrative:
unfamiliar with the inquiry

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 2017-01-20 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 ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I never ask for a credit care for sear 's now there are 3 other XXXX that live here in Wisconsin or someone was trying to get credit in my name can you please remove this from my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I had asked Equifax to investigate a few questionable items on my credit report. They sent back a report with something new on it that absolutely is incorrect and not mine.

Company response to consumer: Closed
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Requesting for assistance again with Equifax Credit Bureau. The same situation keeps happening when I try to request for my free Annual Credit Report with Equifax. The verification questions that are being asked does not pertain to me at all and Equifax is allowing Creditors to place inaccurate information on my credit file ... which is preventing me from disputing. I never have these issues with the other XXXX Credit Bureau ... XXXX or XXXX. Only Equifax. Would you please assist me in obtaining my credit report from Equifax. There is no current credit freeze on my credit report. I needs to dispute inaccurate information that is being filed by companies that I do not owe and are currently sending my information to collection companies for no apparent reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15 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 filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, 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 matter as soon as possible. Thank you

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 — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The only address on my credit report should be XXXX XXXX XXXX XXXX, Texas XXXX. The other addresses our my son XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed an account opened XXXX for a secured loan on a vehicle that I did not own. The results stated it was my account. I asked how was that verified. I was told Equifax compared my name, date of birth and social security number. I still explained that I needed more verification, such as provider of the loan requesting copies of dmv title reports to show when the vehicle was last registered in my name. I was informed that was all they do to verify info. This has not been helpful. the Equifax manager also argued with me regarding me telling him that I did not receive any updates with the first case listed. he also told me I was emailed a copy, and I informed him that I was not. the rep. called my name out to me wrong, so I explained that if they emailed anyone with that last name, then it was not me. I do n't feel I was adequately helped and have to live with what is on my credit without anyone to assist me in having it removed. the company will not send for ownership records for the vehicle for the date that the loan was taken out. the vehicle was traded and the first loan was paid off. The company had a second lien on the vehicle which the dealership was aware of. The vehicle was traded by me prior to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently applied for a re-finance loan. Equifax credit report indicated an adverse judgement placed against me by XXXX. I was told ( via phone ) today by Equifax that they completed their investigation and that they would NOT remove this adverse action from my credit record. The Equifax agent told me that during their investigation, XXXX told them I was the responsible party. I contacted XXXX and gave them my Social Security number and they agreed that I AM NOT THE RESPONSIBLE PARTY and that the social security number on the delinquent account is different from mine. However, XXXX ALSO REFUSES to remove the adverse action and said that Equifax is responsible for removing it, as the social security number is not mine. It appears that a family member who has a similar name might be responsible for this, but I AM THE ONE BEING PUNISHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: ME

Complaint narrative:
Our mortgage was with XXXX until 2014, when we were informed that our loan had been sold to a different company, Seterus , Inc . This did not surprise me as our mortgage had been sold several times in the past. However, after an original " welcome packet '' from Seterus, we heard nothing from the new mortgage company. I was able to create an account and log in, and even view how much my monthly payment was and make a payment, but nothing more - no statements, bills, or other communications other than a XXXX form every year. Furthermore, they have never reported any of our ( timely ) payments to the credit agencies. ( XXXX always did. ) I did call Seterus repeatedly to request statements, and each time they apologized and send they would send them immediately ; however, they never did.

Company response to consumer: Closed with explanation