vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
hi, XXXX equifax reinserted my son 's ( same name, Im sr, he is not ) bankruptcy, wage earner, collections, judgement, XXXX inquiries they just placed i only had XXXX inquire in XXXX years, false accounts and false alerts not placed by me in my files. for over a year I have fought and begged them to fix my credit, to remove what 's not mine and they refuse or play games, we lost the opportunity to purchase foreclose property denied by suntrust because equifax, our score in other credit companies are about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
From the duration of my loan it appears I have had my consumer rights denied. At the formation being promised a lower rate, then getting a rate almost two percent higher. There was also the fact the lender 's attorney was also the title insurance agent. While, even now I have learned about the right to rescind forms that never were given to me. As the loan progressed with the servicer PHH there were countless payments that seem to have went accounted for, higher payments than were stated at the beginning, and a seemly vast array of stipulations that came with payments being claimed. During the years 0f 2008 I lost my employment and struggled like many other Americans. I had attempting modifications from the beginning of my financial hardships and admittedly have went into foreclosure and bankruptcy. Currently, I am in foreclosure once again, yet honestly I have learned that the violation of regulations and law that my servicer appears to be violating is almost unbelievable. I begin my dream of home ownership with a XXXX fixed rate loan that through modification has become over XXXX dollar loan. I have figured it out through pay stubs, bank withdraws, and other written documentation that I have paid over XXXX plus dollars over the last 9 years on the loan ; however, in foreclosure now they are claiming the full XXXX. My family and I have paid numerous payments at a time and spent hours trying to handle our obligations ; still all the while meeting the sometimes ridiculous requests of our mortgage servicer. Due to the rural county in which I live legal assistance that is afforded many in my state of Illinois is not obtaining for me. I decided due to the servicer never seemly to work with me, even endorsing my money orders then sending them back after they already begun foreclosure ( Done this more than once ), that without supervised modification assistance it will be a moot point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am victim of identity theft and have informed Equifax that I filed FTC report and can they remove fraudulent accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is showing a paid tax lien from California that was supposed to be removed from my credit report. I have disputed this to Equifax months ago and it is still in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to any of my requests to investigate and remove XXXX fraudulent account and numerous fraudulent inquiries from my credit report that do not belong to me and were not initiated by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a company by the name of XXXX which is a fraudulent account. This account does not belong to me and they have this same XXXX account listed on my Equifax credit report XXXX times which that is against FCRA. I am asking for it to be removed. I asked for it to be removed and Equifax did not saying it belong to me. It does not and if they would have viewed again, XXXX are duplicate accounts on my report. When viewing my Equifax credit report, this account has been listed since on my credit report since XXXX. I have never made any payment on this fraudulent account. Therefore this account has been on my report almost 9 years without payment. I am asking for Equifax to remove these accounts immediately. Again they are listing the same fraudulent account XXXX times on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 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 numerous 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 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Facts : - My credit report shows a 60 day late payment on a student loan that was incorrectly filed as active ( not deferred ), when in fact the actual deferred pay start date is on XX/XX/XXXX. 

- On XX/XX/XXXX. I contacted the university about this issue, and they have informed me of their reporting error and contacted their partner lending agency. 

- From my understanding, the partner lending agency, XXXX XXXX XXXX, was contacted on XX/XX/XXXX of the reporting error. 

- On XX/XX/XXXX or XX/XX/XXXX, XXXX XXXX XXXX, claim to have updated the correct information. 

- I contacted both the University and XXXX XXXX XXXX to inform that that my credit report has not been updated on XX/XX/XXXX ( more than 30 days after my initial contact with them ) - I also filed a dispute with Equifax. 

- On XX/XX/XXXX, I received a letter from Equifax claiming that my dispute was denied and that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. " - I contacted XXXX and they informed me that they have updated my account on XX/XX/XXXX for the second time to the CRA. 

- Both the lending group and the university are currently not offering any solution beyond asking me to wait for the correct information to reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
XXXX and XXXX representatives have been repeatedly calling me and everyone I had listed as references on their application, friends and family, calling them repeatedly, even after they said to stop calling, but continue to call XXXX times daily since XXXX XXXX, 2015. They have also inappropriately shared sensitive information to these XXXX parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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:
Equifax did not verify the accounts I disputed on XX/XX/2017. I requested a copy of the verification for the accounts in dispute however I did not receive any.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am concerned that my personal information has been compromised. I am a XXXX employee which were compromised in the giant Fed hack recently. I have had fraudulent charges appear on at least XXXX of my credit cards recently, both individual accounts and authorized accounts. Additionally, at least Equifax includes both an incorrect address and an incorrect " alternate '' social security number for me. Those appear to be typos as they are only off by only XXXX or XXXX digits, but I 'm still concerned due to exposure in at least the hack on the XXXX database. Also, I 've been the target of phishing attempts that show evidence that thiefs have at least some of my personal info at their disposal. I would like to get an alert or something in that vein to alert potential creditors of potential identity theft or fraud. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 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 have filed XXXX disputes against a debt collector ( XXXX XXXX ) reporting a debt owed to my Equifax credit report. Prior to these disputes, I filed disputes with XXXX and XXXX against the same debt collector. The nature of my disputes was that this debt collector never validated the debt by taking the effort to make me aware of an outstanding balance or any debt owed. Upon submitting the disputes with both XXXX and Equifax ; the debt collector ( XXXX XXXX ) could not provide any documentation showing that I had been made aware of a debt owed prior to the reporting of said debt on my credit reports. Following this response, both XXXX and Equifax removed the debt from my credit reports. I filed the same dispute with Equifax against the same debt collector ( XXXX XXXX ) and once again, the debt collector did not provide any documentation proving that they had made an effort to contact me prior to reporting the debt. However, following this response, an Equifax supervisor ( XXXX, employee ID XXXX ) told me that " because there was a response from the debt collector, they can not remove this account from my credit report. '' The employee continued, stating, " Our retention policy requires us to continue to report a debt for up to 7 years '' I then informed her of current FCRA laws regarding the reporting of debt from a debt collection agency and she reiterated her former response. I then proceeded to file an additional complaint of the same nature against the same debt collector, in which the same response followed by the same explanation was given. After calling Equifax, explaining to them that the other XXXX CRAs have removed the reporting of this debt, another employee ( XXXX, employee ID XXXX ) advised me to contact the debt collector directly, stating that Equifax does not oversee the removal of a misreported ddebt but rather they just inform the debt collector of a dispute against them. The employee further explained that when a dispute is opened through Equifax, Equifax forwards the dispute to the appropriate debt collector and the collection agency is responsible for conducting an investigation. This is very different from my understanding in not only the role that a CRA plays in the handling of disputes and removal of debt reporting but also the dispute process itself. I would like to file a complaint against Equifax for mishandling of a dispute against a debt collection agency. According to the current FCRA laws regarding the reporting of debt, the consumer must be made aware of an outstanding debt prior to the reporting of said debt on any credit report. Further, failure to report such a debt in compliance with FCRA laws and regulations subjects debt collection agencies to certain reprocutions ( including the loss of validity regarding a collection account ). Equifax did not abide by the FCRA laws nor did they assume their role as a CRA in the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I would like to post a statement on my Equifax credit report regarding an adverse report.I have contacted Equifax in writing. My letter was opened, sealed back up and returned to me without comment. I have tried to call them repeatedly and am constantly disconnected without speaking to anyone. There are no instructions as to how to post this statement on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OR

Complaint narrative:
The complaint is against Seterus Inc, " debt collectors and servicers. '' As many as ten times we have sent in extra lump sum payments to be applied to mortgage principal, only. On every occasion Seterus applies the check to regular monthly payments. When we call in to correct the matter, we are kept on the phone as much as 45 costly minutes while they reluctantly handle the matter, and try to assert we did something wrong ( we always write a detailed letter with our check including all requested and relevant info on the check itself ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name was incorrect on the bill and the credit account name was typed by a representative holding my license. Everything I tried to pay my bill they could n't find my account by name social security or phone. I tried XXXX 4 times to lay the bill. Finally it went to a collection agency and they called my phone and helped me take care of it. Bill went delinquent just because they would n't double check spelling with my license in their hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Case number : XXXX Related Case Number : XXXX I received the following : Response not disputed XXXX XXXX XXXX, XXXX said : Explanation of closure Reinvestigation not conclusive ; we are removing the complainant 's name from the account and deleting him from our reporting. We will confirm this to him by letter. 



Response We are in receipt of the affidavit. Since we have had no response to our request for reinvestigation at our client, we are assuming the second account in question is an unadjusted duplicate and closing it. We removing the complainant 's name from the other account and ordering his name deleted from all national consumer reporting agencies to which we furnish data. 

Since the resolution the entries were removed from my credit, but have since been re-listed with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The XXXX XXXX XXXX information listed incorrect. States that high limit is {$3800.00}, which state I went over the limit by XXXX dollars. This is an issue because credit score dropped XXXX points.The bank has sent a request to have this information corrected to the credit agencies, but the credit report still shows I went over the limit. Here is the " Control Number '' from the bank to have to information corrected # XXXX ( XXXX XXXX XXXX account # XXXX ). Please have this info updated ASAP as this will affect my ability to obtain an loan. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A Credit Collection agency report that I have co signed on loan for XXXX I 've been disputing these charges and filed a police report. The reporting agency only states the debtor stated my name, address and SS # is correct and they consider that enough information to verify it 's my account. They have no documents showing I co- signed for any loan or anything. Just a call verifying my information. I 've had a fraud alert on my account to prevent this fraud and Eqifax continue to allow this false information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are XXXX liens showing on my Equifax report. The federal tax lien has been withdrawn. XXXX and XXXX have removed the Federal Lien as the IRS withdrawal notice requires. Equifax has not. In addition There are XXXX State of Ohio Tax Liens on my Equifax that have not been deleted or updated as far as I can tell. XXXX and XXXX have deleted these liens as requested by the State of Ohio.Equifax has not.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX?? 
I do not understand why this should impact my credit. No one explained to me they would be doing a credit check???. I currently have XXXX XXXX as my Car insurance carrier. XXXX keeps asking me to try them again. I want these removed. Please. I have never lived at XXXX XXXX XXXX in XXXX, CT XXXX. Name ID - XXXX is incorrect & not me. Name ID - XXXX XXXX XXXX XXXX, not me. Never worked for XXXX. Name ID XXXX not mine either

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently eenrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
My mortgage has been with Seterus for a number of years ; I did n't " chose '' them -- they took over an existing loan. I have had minor problems with them in the past but recently they did not send me my bill until shortly before it was due. As a result, I neglected to make a payment until the last minute ( not intentional -- I was just used to receiving the bills well in advance of the due date ). In XXXX instances, I tried to make the payment online but was unable to do so due to technical issues with their site. When I called in, they let me make a payment over the phone but charged me extra. Even though I complained about this the first time, it happened again with respect to the bill due in XXXX. When I called in, they let me make the payment over the phone but insisted that I pay the surcharge. When I complained they said they would drop the surcharge from {$10.00} to {$5.00} XXXX which is what the website would have charged XXXX but, infact, they charged me {$10.00}. So, my complaint is regarding their negligece, their tardiness, the difficulty of using their website, their inconsistency, and the fact that they did not do what they said they would with respect to the surcharge. I think they are incompetent and are gouging me. Loan number is XXXX, Their phone is XXXX. Fax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts three times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.

Company response to consumer: Closed with explanation