vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-24 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:
I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by Equifax. I tried to purchase a XXXX bureau credit score by Equifax but instead they send me a copy of my credit report which I already have from the mortgage company. Equifax has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried myFico ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX.Twice!! 
The agent at XXXX said he can see my score. But when I tried XXXX.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
please see case # XXXX and Case # XXXX in Reference to Case # XXXX. I have previously requested that Equifax removed item # XXXX from my credit report. Due to the improper manner and deceitful manner in which this judgment was obtained ( please review previous complaint to your agency submitted on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I ca n't see what to dispute but i do know someone had access to my social security numberaddress etc.and pulled my credit for loansalso there are names I 've never been associated withplus there are address i have never lived atalso there are bills i have n't charged and do not owe. 
i am unable to access my credit report someone else already has. Even though I had a fraud alert on my creditI am unable to access my social security number to change it because I have a electronic block on it. 
The credit report has not began a investigation as of yet. I have no past or present credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AmeriCollect
State: PA

Complaint narrative:
The collection agency ( Americollect ) was called and payment arrangements were made. 50 % now ( was back on XX/XX/XXXX in the first call ), 50 % next payment. Collection agency agreed to send balance bill. The XX/XX/XXXX payment made over the phone was not credited until XX/XX/XXXX -- 12 days to credit it. No balance bill EVER sent or received ( they agreed in a recorded call by them, that they never sent out the balance bill which was agreed ). Yesterday they filed " collection/derogatory '' on my credit reports. I found out today when I CALLED THEM to pay the balance. UNFAIR! The balance is now fully paid, the debt is 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 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On or around XXXX 2016 I seen a entry on my credit report for a 30 days Late/Missed on my credit report. I contacted XXXX XXXX with my concerns and they were unable to find the record of a 30 days Late/Missed payment on my file. Currently XXXX are now the new creditors. I still have my Open active account with XXXX. The late payment on file is reported in error and needs to be rmoved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TN

Complaint narrative:
I had a mortgage loan that was owned and serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC XXXX. The last amount reported on my bureau was {$140000.00}. This loan was paid in full at the end of XX/XX/XXXX. Repeated requests have been made to properly report this as paid in full. Their deliberate disregard to properly report the balance and pay history has caused my personal credit score to be lower than it should be. This has recently cost me a higher interest rate on my auto loan. This loan is reporting as open on all three of my bureaus and has kept my scores low on all XXXX. Seterus has a regulatory required to properly report this information on a timely basis. The months of XXXX, XXXX, XXXX and XXXX have now passed and they still refuse to properly report. They have a history of non compliance and reckless servicing on my loan as well as others. I am seeking damages from them for the purposeful disregard for my rights under the Fair Credit Reporting Act. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My SSN is XXXX. DOB XX/XX/XXXX. My

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has continued to report my credit incorrectly even after several attempts by myself to correct the information. Equifax is refusing to report my auto loan by XXXX. Equifax starts disputes on my accounts without me even asking. Equifax refuse to remove fraudulent inquires and put dispute comments on accounts that I never disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax decided to penalize me by taking XXXX points off of my credit score because I used 23 % of my available credit which is {$110.00} ( {$500.00} is my credit ) .They basically marked it as a huge no no and compared with previous zero % usage and thus decided I was a very bad girl. No, I was n't late with payment. No, it was n't a carry over amount from previous cycle. What 's the point in having a credit card if you get penalized for using 23 % of the total available amount. So much about XXXX shopping for me ... now I 'm at the point where I do n't even wan na use the card. While I was using it as recommended my credit score did n't move in months but stayed the same. There was times when I had more spent but I never lost XXXX points. Like I said, I did n't do absolutely nothing for this to happen. This needs to be rectified asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a duplicate. Each applicable CRA must receive this dispute. 

In XX/XX/XXXX I disovered a judgement on my Equifax credit report listed with with the line item reference # XXXX. I never received any mail or communications about the underlying matter. Upon further inquiry I found that the California Franchise Tax Board ( CA FTB ) was the data furnisher regarding this item. 
Upon speaking with a CA FTB representative I was told that their records were missing my XXXX tax filing records. My Federal and State returns were both filed however I supplied CA FTB with the information that was claimed to be missing from their records. 
I was told that the processing timeline was a minimum of 6 months. After months of waiting the resubmitted filing was processed and the findings of the data furnisher were disclosed to me. The California Franchise Tax Board found that I did not owe any taxes and as such did not have any tax liability. On the contrary the CA FTB actually owed me and sent payment of {$510.00} to me reflecting the same. 

The {$2800.00} tax lien that was put on my credit report was found to be incorrect upon the conclusion of this matter. I am attaching a copy of the refund check sent to me by the State of California Treasurer as well as a printout of my total tax liability and refund for the XXXX tax year relevant to item # XXXX listed as a judgement on my credit report. 
Upon processing of the facts, the Data Furnisher concluded that I did not owe and that they actually owed me. This conclusion means that the tax lien put on my account ( which was an assupmtion that was proven wrong ) should not be shown as released on my credit report as that implies that I previously owed the CA FTB and later satisfied payment. On the contrary, the tax lien should be deleted from my credit report as the CA FTB concluded that I did not have any tax liability for XXXX so the tax lien was null and void and the data furnisher turned out to actually owe me. 
The erroneous information listed on my Equifax credit report that states that I previously owed {$2800.00} in taxes which is not true because the taxes owed was discovered to be {$0.00}. This unfair reporting must be deleted and permanently removed from my credit profile. 
For some reason Equifax has refused to correct and update this item and I have had received uwarranted scrutiny and unfavorable decisions from underwriters because of their ability to see a judgement that I did not owe. Please help as I continue to be denied favorable credit decisions personally and for business due to this violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX was available but the system would not allow me to download the others but instead created a endless loop to no where. So I see after the fact I should have requested all three report by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting on XXXX of my credit lines ( XXXX XXXX ) that I was delinquent ( XXXX XXXX and XXXX XXXX XXXX even after submitting documentation from the original creditor which indicated that I was never late and XXXX of the credit lines ( XXXX ) with no payment history. Overall, Equifax has failed to fulfill the investigation process since XXXX XXXX.

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

Complaint narrative:
Both equifax and XXXX have my account with XXXX listed has charged off or repossesed. My car I got through them was stolen on XXXX XXXX and I have the police report to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a public record of a bankruptcy with Equifax. They are refusing toremove this from my credit report. They claim they have used a XXXX party toverify this which is illegal under California state law. They must verify itthemselves or remove it. The removed it from my husbands credit file butrefuse to remove it from mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX COLLECTIONS INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX COLLECTIONS INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was trying get a free annualcredit repor from equifax, and it dennied my request because when it got to the security question portion, it indicated a mortgage loan which I definately never had.

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 — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a hard inquiry from XXXX. and havent been in contact with them to get anything it says XXXX this is not accurate idenity theft at its best they should ask security questions before giving out my personal information to someone.

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: CA

Complaint narrative:
XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR 6 YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
I began the modification process with Seterus in XXXX 2015. I received paperwork in XXXX 2015 stating I could begin the trial payment process in XXXX 2015. I made the first and second payments over the phone XXXX XXXX and XXXX XXXX. When I tried to make the final trial payment in XXXX, a Seterus representative advised me that I had not paid the correct amount in XXXX, that I needed to pay more in XXXX to make up for the lower payment and I would also have to stay in the trial period one more month. I explained that I paid the same amount in XXXX and XXXX, she said no it was incorrect. I was out of town, working, so I paid it. I called in XXXX to, again, make the final payment and the representative told me my modification had been cancelled, I asked why, he checked the notes, said it was because I had made inconsistent payments, because of the XXXX payment. I explained what happened, he checked the notes, said the previous representative was incorrect, he corrected it and gave me credit for the overrage, said he would send my information to the modification department and the would send my modification pacakage. I received a modification pacakage on XXXX/XXXX/15, the principle payment amount was shown as {$900.00}, escrow amount was shown as {$380.00}. I called Seterus with questions about my package, and deferral of my principle amount, and requested to talk to the person handling my modification. I was told that I had to send my request to them in writing, so I faxed a request to them on XXXX. I received another modification package dated XXXX/XXXX/15 ( please see attached copies XXXX on XXXX/XXXX/15, that states my principal payment is {$910.00} plus the added escrow amount of {$420.00}, for a total of {$1300.00}. Which is higher than the original mortgage payment that I had before I asked for the modification. If I could not pay the original, I wo n't be able to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My mortgage account has been deleted from Equifax credit reporting file as of today XXXX XXXX, XXXX XXXX XXXX informed me that Equifax showed that they had deleted my mortgage account which caused my credit score to decrease by XXXX points. I, then paid {$15.00} to Equifax to get a report so that I would have their file number just to talk with someone about the deleted mortgage account. Equifax representative as of today, XXXX XXXX, 2016 advised me that I had to get this error corrected although I have a mortgage account which is current as of XXXX XXXX, 2016. He confirmed that the mortgage account had been deleted because the account had not been updated since it was last reported. He advised me that the mortgage company must resubmitted the information to them. I called the mortgage company. Does Equifax has the right to delete a furnisher information on a consumer without confirming the information with the furnisher? My mortgage account is open and has been current for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I again come to you for your assistance with this matter. I am the victim of ID Fraud and I have sent all the information that is needed to Equifax to remove the accounts that are affected. I sent the Police Report, FTC Affidavit and a letter of reference to Equifax and they still leave the accounts on my credit report and they have yet to remove them all.. Please again remove the fraudulent accounts off of my credit report and please block them out so that they can not continue to reinsert the sae information back on. You have deleted XXXX XXXX twice and yet tey continue to re-insert it back on because your have n't blocked the. XXXX XXXX XXXX is the collection agency that is collecting for XXXX XXXX and you have only deleted XXXX accounts and left the others there. You have left XXXX there. Please do your due deligience and no this should not take 60 days to complete you have 4 days to do so

Company response to consumer: Closed with explanation