vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I attended XXXX college in XXXX California XX/XX/XXXX-XX/XX/XXXX upon enrolling I was told that i would n't have to pay anything until after i graduated ; however, some time later i got called into the financial aid office telling me that my loan was n't gon na cover all of my tuition. They made me take out a " Genesis '' loan and told me i would have to make payments while i was at school or they would n't allow me to continue. Some time later after the closure and lawsuit of corinthians I get a letter in the mail saying my " Genesis '' loan was being moved to another company called XXXX. I was told that i would have to pay this no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX all improperly report my XXXX credit with only a {$1000.00} credit limit when in fact it is {$4000.00}. They report the proper amount owed but do not reflect the {$4000.00} credit limit. 

Equifax improperly reports my XXXX credit limit as {$2000.00} when it is actually {$3300.00}. They are also several months behind in reporting the correct balance owed, as they show it as {$830.00} instead of {$41.00}. 

Both of these errors lower my credit score, which is important at this time as I am looking toward buying a home. 

Thank you for your assistance in this manner.

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 — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX refuses to remove XXXX Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax Equifax and XXXXcredit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Negative old debit paid by XXXX not removed. Medical believed to be paid my Medicaid was charged as bad debit against credit report. XXXX & XXXX have corrected but Equafax will not remove. Equafax is reporting XXXX Mortgage as Installment Loan ... 
Last is Judgement that was reported to credit agencies in error. XXXX XXXX removed and XXXX removed. Other agencies are showing satisfied and will not remove. They are requesting court made error. Which will never happen and they wo n't try to verify for removal. I have filed an online consumer complaint against Equafax. 
XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
For the pass 2 years my wife and I have been applying to modify our loan with XXXX XXXX XXXX and Seterus. We were only 2 months behind in XXXX 2014 with XXXX XXXX XXXX and they would not except them because I was 2 weeks late on my third payment. That 's when I ask them for help with the mortgage. After filling out XXXX modification packages with no results, now they passed the loan service to Seterus. I 've filled out another loan modification package with them. We feel we 're getting the round a round again. We are sick of this abuse with these banks who we bailed out, now they think they are high an mighty that they can waste our time and tax dollars by giving us the run around and not help us. My wife is not able to work due to being hit by a car 7 years ago. She has a broken back and is still not able to work due lots of pain with movement. I was lay off from XXXX XXXX government job that I 've worked for 7 years. It has not been easy trying to find any job these days. That 's why we 've been asking for help with the modification of our home mortgage so far no help. The house is in foreclosure and my wife Social Security Check pays a lawyer to keep us in the house. We do n't know what else to do. We have income coming in with the side jobs I do here and there, my pension check and my dad who is living with us due to being ill helps us every month with his pension and social security every month. Is there anybody out there that can help us with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This address is listed in my persoanl information as me living there.I have never lived at this address : XXXX XXXX XXXX XXXX XXXX, NC XXXX I have lived at XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The IRS just refunded me all interest and penalties on this XXXX liens but only Equifax continues to report after repeated request for them to remove Equifax needs to delete both entries Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I received a printed credit report from Equifax and it appears to be correct. However, I first attempted to request a credit report online, on their website, the security questions did not pertain to me, therefore, I was unable to get a direct online report and had to request the printed version. I understand that Equifax provides the security questions for the Social Security online site also. Because those SAME security questions do not relate to me, I am unable to create a SS online account. I have tried several times to create an account and been locked out multiple times. Phone calls to both my local SS office and the national XXXX number have been of no help! Now I am wondering if someone has used my SS # to access a loan or was the information just recorded incorrectly. If this matter could be corrected, it would be VERY helpful.

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

Complaint narrative:
I 'm A victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was able to go online and get XXXX of my XXXX credit reports ... with the exception of my Equifax Report ... there has always been problem with them. Either I ca n't get the report or their dispute process links are broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting inaccurate information about my mortgage, car, and other older claims that should be removed such as medical bills, etc. discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. Sometime late XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. This XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ 18k. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled a copy of my credit report on XXXX/XXXX/2016 and the address listed for XXXX XXXX XXXX, was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. This address is incorrect ( I sent a certified letter to that address and it was returned to me " Not deliverable as addressed '' ). I sent this information to the Credit Bureau and asked for removal of this account from my credit report due to inaccurate information. On XXXX/XXXX/2016 I pulled my credit report again and the Credit Bureau did not delete this from my credit file, they only changed the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account has been disputed in the past. This account was never late in XXXX. Also, the account balance appears to be updated in XXXX. The account itself was allegedly transferred/sold long before XXXX ( estimated XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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:
There was a collection debt that has been recalled back by the creditor in XX/XX/XXXX, Equifax has not done nothing about it as of XX/XX/XXXX and still reporting it therefore affecting my overall credit score, I have filled a dispute with no results, when I try to access my account on the website I am always logged out, personal information on my account was changed by a creditor even after I submitted copy of driver license and social security card, there is no way to get a hold of the company customer service not on the website not over the phone, I was emailed links to see the investigation results but I can not access them because the link or the information is incorrect, I have searched online reports on complains about this company and find that time and time again thousands of complaints about this company from reporting to customer service, 1 ) why is this company allowed to report on persons/people credit report if they report incorrect information 2 ) why is this company still allowed to conduct business if they do not provide any customer service or the worst customer service in the world 3 ) why is this company allowed to conduct business if you can not access the information or dispute it I would like someone to provide information to me on how to have this company stop reporting on my credit report since the information they are reporting is incorrect, out of date

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In or around XXXX 2014 I was notified that my personal information may have been used to open fraudulent accounts. Pursuant to law I made a law enforcement report and upon their findings of fraud I forwarded the bureaus copies of the law enforcement reports and supplamentals which were provided to me. On many separate occasions and attempts I was informed by Equifax that they would not recognize my law enforcement reports and they outlined that they looked into my claim and that the original creditor indicated the accounts were valid despite law enforcement 's reports outlining different findings. Over the last XXXX months I also obtained letters from the original sources XXXX Bank and XXXX XXXX that the accounts had been identified as fraud. At this time despite all these supporting documents Equifax still refuses to comply.

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: VA

Complaint narrative:
Equifax has been reporting a student loan balance and liability for me in excess of {$120000.00} and payment terms that are also inaccurate because I am a participant in the Public Service Loan Forgiveness Program due to my status as XXXX. I have asked them repeatedly to correct the student loan information showing XXXX XXXX account with the following notation ( which is less than XXXX words ) : '' The debtor is a XXXX of the United States and due to that status, he participates in the public service forgiveness program for student loans. Under that program, the debtor need only make 120 total payments over his XXXX career in order to have the loans completely forgiven. Thus, the outstanding balance on student loans being reported in this credit report is inaccurate and much higher than the debtor 's actual liability which is simply 120 payments of {$620.00} each less the number of qualifying payments he has made since XXXX XXXX, 2007. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have XXXX chapter XXXX bankruptcies on my report : XXXX that was filed in XX/XX/XXXX & XXXX that was filed in XX/XX/XXXX. Both of them were dismissed. Chapter XXXX 's are deleted from your report after 7 years. However, Equifax refuses to remove them stating that " dismissed '' Chapter XXXX 's are to stay on the report for 10 years while " discharged '' Chapter XXXX 's are removed after 7 yrs. They will not allow me to open a dispute for it because according to them that is the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it XXXX concern, XXXX negative accounts ( XXXX XXXX XXXX, XXXX and XXXX are fraud charges, NOT MINE. see attachment ) on Equifax credit report are incorrect. Filed claim to equifax fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with grantors, police report. Equifax is refuse and ignore to remove fraud accounts from my personal credit report without one valid response, this endless investigations time goes on. 
During the last 60 days investigations, Equifax found that they have different personal ID and information on their record, I had to supply my ID and proof of residency twice, every 30 days. Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I found grantors of the credit accounts through credit report, notified them there are fraud account opened on my name, demand them to close account and validate via USPS Priority Mail Three times to each grantor ( s ). These grantors ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Equifax has not provide me any valid response as of today, meanwhile, it is keeping negative account on my credit report causing me serious harm. ( My normal credit scores is range from XXXX to XXXX. Due to this credit fraud incident, my credit dropped to low XXXX. My line of credit account credit line has been terminated due to low credit scores and yet agency does not fix its reporting timely manner nor cares to read my evidences/affidavit provided to them at all. 
I can not express in word how devastating process it is to go through with Equifax. Their customer service phone responses were, " if grantor said it is valid, then it will have to stay in credit report for 7 years ''. They are not listening to me nor reviewing documents I attached. 
I have notified all XXXX accounts on XXXX XXXX, XXXX and XXXX that they are Fraud accounts, close account effective immediately three times. And phone and XXXX Mail. And Equifax has the attached documents and yet they act as if they are not reading nor hearing it. 

PLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EQUIFAX TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an account with XXXX I opened an account to them back in XXXX for a furniture cost {$4600.00} and agreed to pay {$140.00} monthly payments and have financial struggle back in XXXX for at least 6 months and I tried to catch up with all my bills and they agreed to accept my payment arrangement to pay them for {$140.00} XXXX last payment was made is {$140.00} for the month XXXX XXXX and my remaining balance is {$1100.00} and COMPANY REFUSED TO UPDATE MY CREDIT REPORT REFUSED TO UPDATE MY BALANCE ON MY CREDIT REPORT IT SHOWING THAT I OWED {$2000.00} ISNTEAD OF {$1100.00} AND I AM PAYING THEM MOTNHLY COMAPNY SAID HTEY WILL ONLY UPDATE MY CREDIT REPORT IF I PAID IT IN FULL REGARLESS OF MY BALANCE RIGHT NOW.. I dont thind this is fair for me that I am trying to pay my bill to them same as my other outstanding bill I hope I can get this fix

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am buying a home with the closing scheduled for XXXX XXXX, XX/XX/XXXX. When my loan officer recently tried to access my credit report info with XXXX and Equifax, he found that I was classified as DECEASED on XXXX agencies ' records. This apparently happened when XXXX Bank reported my husband 's death in mid XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both XXXX and Equifax indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. XXXX agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax allowed XXXX XXXX to report a delinquent account from XXXX on my credit file. This account appeared on my file as XXXX XXXX and I disputed it and it as removed. This is not my account.

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

Complaint narrative:
The last payment on this account was XXXX XXXX claim the last payment was XXXX I wrote XXXX to go a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX at XXXX XXXX and spoke with XXXX on XXXX at XXXX she advised me that XXXX XXXX do n't have the account .How can XXXX report to Equifax the last payment but they cant send me the last payment identifier..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
this is an account for {$470.00} medical bill that was covered by XXXX XXXX because I did n't have insurance and it was suppose to be 100 % covered. it was investigated by the Credit Bureau 3 years ago and removed and then it showed backup on my reports a few moths later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went down to the courthouse to verify information concerning a bankruptcy found on my report. The information is not mine. The name is the same, but the social and address is not mine.

Company response to consumer: Closed with explanation