vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has been notified to remove an " authorized user '' account that I was never liable for XXXX and refuses to do so. Also, the creditor in question ADDED an additional " auth user '' account on my credit, lowering my score even further. I never authorized anyone to add me as an authorized user, was never in possession of those cards, yet Equifax refuses to delete it off my credit bureau even though it clearly states " AUTHORIZED USER '' on the Equifax report. Obviously, I was NOT the account holder and this should be deleted immediately. XXXX honored my request, but Equifax did not even after several disputes. EQUIFAX EVEN ADDED A XXXX AUTH USER ACCOUNT further damaging my score. We have an urgent situation trying to find housing for XXXX XXXX kids ( XXXX ) and a XXXX citizen. Our XXXX family is large and we need to buy a house asap due to our lease expiring soon. This is causing a horrible burden to our family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
Seterus Mortgage company is charging an OUTRAGOUS amount for PMI ( XXXX ) each month and will not remove the charge even though all requirements are met for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
COLLECTIONS Opened XX/XX/2015 {$300.00} that collection is not mine and was deleted on XXXX and XXXX but Equifax still posting on my credit report I had a phone conversation with Equifax customer service and they toldme will investigate but I did n't receive any information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a serious problem with disconnects between credit scores. I recently obtained my fico scores from my fico. The scores reported were Equifax XXXX XXXX and XXXX XXXX. I thought these scores were n't great but the were high enough for me to qualify for a mortgage. Wrong. I find that they have a separate score foe mortgages that were about XXXX points LOWER than the scores given to me. How can this be? So here I am excited at the prospect of owning my home and I come to find out that probably will never be. Yes I have had some credit problems 6 years ago! I would like to know how these scores are derived. Something has to be amiss. I am a single mother and XXXX veteran and because of these faulty scores I ca n't even use my va loan benefit. It appears that this whole credit reporting thing is a scam. In the past 2 weeks I 've spent about {$100.00} to get faulty information. These people are not regulated properly and people with mistakes that the credit bureaus refuse to fix pay the price.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not 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 manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
All of my records state that the next available payment is due on all loans on XXXX/XXXX/2016, however, my Equifax credit score is showing a XXXX point decrease due to what seems to be a missed payment. I have been in loan deferment/forbearance since XX/XX/XXXX. I want to know why this drop occurred, when all payments are not due until next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed my collections accounts with Equifax and XXXX. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This past week XXXX dealership I went to purchase a car submitted my credit report without my approval to some banks. I only authorized them to contact XXXX and they took it upon themselves to try to get me approved at another dealership. By law I have a right to chose what bank I want to do business with. 

These inquiries listed below should be deleted ASAP. I may also sue the company who had these pulled. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. Equifax and XXXX refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted the original dispute concerning XXXX XXXX XXXX account closed XX/XX/XXXX to Equifax. Eqifax may or may not be investigating, but they have as the result of my dispute submission placed misleading information on my credit report. One statement made on XXXX/XXXX/XXXX states : " XXXX days past due - XXXX XXXX XXXX XXXX ''. Another alert dated XXXX/XXXX/XXXX states, " XXXX XXXX XXXX has flagged your account as Not more than XXXX payments past due ( 2 ). Potentially Negative Alerts notify you when one of your accounts has information that may negatively impact your credit score. '' My original dispute was about the report from XXXX XXXX XXXX. After my house was destroyed by fire on XXXX XXXX, XXXX, I sent XXXX XXXX XXXX an insurance check which I had endorsed for the payoff of the mortgage. This check was mailed around XX/XX/XXXX. I continued to receive bills and past due notices from XXXX XXXX XXXX. Then in XXXX XXXX, I received a statement from XXXX XXXX XXXX showing that my payoff check went into an account they had established in my name without my knowledge or consent. At that time I contacted XXXX XXXX XXXX and was told that it was their policy to not accept payoff on a mortgage without a written notice from the account holder. I complied by sending a request for payoff. It is interesting that although the check was for quite a bit more than original payoff amount, I received no refund for the additional amount. They accepted the check without refund or asking for additional funds. I find that too strange for coincidence. XXXX XXXX XXXX XXXX should be able to verify that they did provide the check for payoff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent a letter requesting validation of several times to both the creditors and the credit report agencies of incomplete or incorrect information being reported. The CRA came back with an answers that they have " verified the accounts belong to me ''. To date, these accounts have not been verified by the creditor and the CRA was informed of the notice after a 30-day period. These items still remain on my credit file, do not belong to me, are incorrect, incomplete information and harming my ability to obtain additional credit and my overall credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been fighting XXXX XXXX Equifax for over a year the other XXXX credit bureaus have corrected this issue of public recordit has even been removed from the other XXXX credit agencies Equifax is my opinion keeping this on my credit score so I can have higher interest rates when applying or obtaining loansI asked if you will investigate Equifax for wrongfulpractices and reporting on consumers credit reports or if you may refer me to a legal representative to file a lawsuit against Equifax I have uploaded documentation to your services before and nothing has happen please guide me in the right direction resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX has been reporting hard inquiries from XXXX on my credit report, I wrote to XXXX, they responded they did not inquire. EQUIFAX still not removing THREE hard inquiries from this vendor and I need them removed as it is affecting my score. I am also disputing TWO hard inquries from EQUIFAX XXXX, when I called them they did NOT request my credit report and I never authorized these vendors to pull my credit. I need all 5 inquiries removed from my credit file with EQUIFAX, can you help me???? See Letter I finally got from XXXX but EQUIFAX has done nothing to resolve error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I 've disputed my XXXX account balance with Equifax several times since 2014 and the account was never removed due to it 's inaccuracy. In doing so, I informed Equifax that the my credit report from their company state that XXXX balance is {$0.00}, about XXXX year later it was changed to a balance of {$27000.00}. This is misstating the balance due, which is considered a violation of the FCRA and should 've been removed. 

Also, I contact XXXX about it 's inaccuracy, wherein they state that accurate account information has been reported to Equifax. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 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:
Hi I am XXXX, I asked my annual free credit report from Equifax but they are not able give me that, they are simply telling some or other reason I have received credit report via mail twice once but when I ask them they say your address is wrong in our system. ( which they corrected it seems today ) I am afraid why I am not able to see the report online and how I receive the credit report on mail when Equifax has wrong address. 

Please look into this Thanking in anticipation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have worked with the company and have paid this account in full. This must be removed from my credit report. I have called equifax multiple times to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
All of the medical bills on collection should have been paid off by XXXX. I have XXXX and because of my low income, they pay 100 % of my doctor and hospital bills. If the original billers would just contact XXXX, they would find out, and my credit would not be effected. 
Please, can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified Equifax many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX, XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing information on my Equifax credit report for the last nine months. I was a victim of credit fraud with several creditors. I was successfully in contacting some of the creditors and submitting the same documents that I submitted to Equifax and they submitted a request for them to be removed. Equifax is sending me letters saying that they found them to be all factual and accurate. I have been out of the country deployed for nine months when all of this happen and they still refuse to remove these inquires even though I submitted copies of deployment orders, I do not reside in the state where it occurred, I submitted all requested documents that they asked for, and place a fraud alert on my credit report. The keep sending me letters to my home saying that they find everything to be factual while I m still deployed. I have upload a copy of my deployment orders. This is the only document that I have to upload at the moment are my deployment ordres since I am still deployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There is a hard inquiry on my Equifax credit report by XXXX dated XXXX XXXX, 2016. I think this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Numerous of old collections have been removed & added back to my credit report without sending me a letter in writing stating why this keeps happening. This is really affecting my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have consistently provided clear claims for each of my disputes against the unfair credit reporting practices of Equifax, XXXX. I have filed all necessary complaints to dispute the purported XXXX delinquent account. Each bureau has reported back that " XXXX has verified that the account belongs to me. '' That is not the nature of my dispute, and is legally insufficient to justify leaving that inaccurate record on my credit report. The FCRA and FCBA state clearly that whether an account belongs to the intended person or not, if the account information is wrong then it must be deleted. That is the issue at hand. I have submitted a demand for reinvestigation in full accordance with the FCRA and requested the immediate placement of a consumer statement XXXX less than XXXX words XXXX on my credit report with specific regard to this purported accurate account reported by XXXX XXXX. I am submitting this complaint because Equifax, XXXX have all failed in acknowledging and properly processing my demand for reinvestigation. So I 'm submitting it again and I 've cited the specific federal statute that allows for my consumer statement and reinvestigation into the purported delinquent account reported by XXXX.

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 status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
the credit has been Closed and Canceled and is no longer agented by or participated in by the current reporting bank and must be removed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I settled an account with XXXX over a year ago. They have sent XXXX different collection agencies after me. Both agencies apologized after I submitted proof, but it is still there. We ca n't buy a car or get a credit card we need. I need it removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Can you tell me why this is still being reported as a 'collection ' when this debt was included in my bankruptcy filing? ( See below ). 
Reporting this as 'collections ' is a collections attempt which I believe is illegal if it was included in a bankruptcy. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX, 2010 Open - Collection/Charge-Off Open - Included in Chapter XXXX No Missed Payments {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Equifax credit report investigation is being requested at this time. 

Thank you, XXXX

Company response to consumer: Closed with explanation