vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Step XXXX above did not provide a choice that covers my issue : Equifax used the " Inquiries that do not impact your credit rating '' from my credit report as " hard inquiries '' ( their term used when I questioned them over the phone ) when coming up with my credit score. Key factors listed as adversely affecting my credit score on a recent residential mortgage credit score notice included " too many inquiries last XXXX months ''. On my Equifax credit report, I have XXXX inquiries listed under " Inquiries that may impact your credit rating '' and there are XXXX inquiries listed under " Inquiries that do not impact your credit rating ''. I did not initiate any of those XXXX inquiries. I believe all of those XXXX inquiries to be marketing related. Equifax is not being truthful in the wording on its credit report. When I questioned this practice, instead of acknowledging that the wording on the credit report states that these XXXX inquiries should not impact my credit rating, they tried to sell me their monthly credit report privacy service at $ XXXX/month as the only way to resolve this type of thing from happening, or I was told I would have to contact each of the companies making the XXXX inquiries not to access my credit report. There is no way to dispute this with Equifax in its dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
To Whom It May Concern ; We are writing to voice a complaint against XXXX Mortgage company, XXXX, CT XXXX. 

Our property at XXXX, FL XXXX received water damage in XXXX. We contacted our insurance company immediately ; XXXX, on XXXX. An adjuster assessed our property damage. XXXX checks were issued based on the adjuster 's report ; XXXX for {$10000.00} in XXXX and XXXX for {$7100.00} on XXXX. XXXX checks were made out to my husband, myself and our mortgage company Seterus Inc . 

After contacting XXXX to inquire about the process for getting these checks endorsed to begin repairs on our property we received a claim number and a full packet of paper work from XXXX ( the claims department of Seterus ). The package was completed by ourselves and the contractor and faxed back to Seterus ( QBE ) as instructed. We were told to endorse the checks and send it to XXXX claims department and they would release the funds so we could get the contractor started on the repairs. 

We have not received our money as of today XXXX. I spoke with representatives at XXXX claims department on XXXX, XXXX, XXXX, and finally was told everything was in order. we would have the checks issued to us by the end of the week. No check arrived. I called today, XXXX and was now told that we needed an updated certificate of waiver of lien from the contractor and a complete adjusters report from our insurance co faxed to them. All of this information was sent and our file was complete. 

This is very, very frustrating. Can you please help us get our insurance money from XXXX so we can get our property repaired?? Thank you Sincerely, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX. XXXX sent a representative to my Dad 's home for an inspection. I did n't provide my social security number to the representative. I check my credit report monthly. There is Hard credit inquiry made by the company which has affected my credit score. I 've called the company multiple times. I spoke with a few resolution associates. I was told emails were sent to manger and the representative XXXX.They all told me that my credit could not have been checked without providing my social. I spoke with the rep XXXX XXXX multiple times about this. He told me he and his boss are working on it. Its been1month I left messages with no response. The inquiry is on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed several items on all XXXX of my credit bureau reporting agencies. So far, I have received minimal help as well as help verifying information that is place on my credit report. I have not been able to get any proper documentation from a company listed on my credit report nor has the credit bureau responded in the bet manner

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to allow me to speak to a supervisor

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

Complaint narrative:
They have not responded to my disputes at all. 
XXXX XXXX XXXX XXXX XXXX XXXX for {$31000.00} was released and the balance is {$0.00}. This was released by XXXX and recorded as released with XXXX XXXX, CA. Equifax still shows it as open after years of being released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; XXXX ; Equifax or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This loan was cancelled and classified as income on my 2014 tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX and Equifax also has the BK reporting incorrectly. XXXX does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was denied credit on XXXX. I pulled an Equifax report on XXXX and found XXXX negative items, XXXX of which were supposed to have been removed last year in XX/XX/XXXX. I compared the NEW Equifax report with an Equifax report I pulled in XX/XX/XXXX. The information on these account WERE NOT THE SAME. All three negative accounts had removed the original date of negativity. Either Equifax is keeping INACCURATE CREDIT RECORDS on file or ALL XXXX Creditors changed my credit history with them. ( see attachment to copare the XXXX acccounts. ) I then called Equifax and this is pending a resolution. To my understanding, a negative account is supposed to come off your record after 7 years using the first day your account became negative. The person I spoke with at Equifax is telling me it is really the date of the last activity you have with the account. If this is the case, it is no longer 7 years to have a negative rating, but in my case. 9 years of a negative credit record. Please investigate this issue. If this happened to me, how many others out there?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My name is XXXX XXXX XXXX and I would like to complain about Equifax and XXXX XXXX XXXX. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on Equifax credit report, the amount of {$68.00} reported by XXXX XXXX XXXX for XXXX XXXX expense. So I DISPUTED and talked to Equifax representative and waited for the result because it does not belong to me. However, Equifax replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in Equifax and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the XXXX XXXX XXXX directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on Equifax credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! Please help me! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is XXXX XXXX XXXX and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX. 

Please let me know if you need more information from me. My phone number is XXXX. My email address is XXXXXXXXXXXX. I look forward hearing from you soon. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, Over a month ago I requested my free credit report from Equifax ... .I regularly check my free credit report with XXXX XXXX XXXX but that is not as complete. Equifax consistently refused to even receive my information online, but when I agreed to pay for it they said they would do it for me. I found mistakes, that were minor but could be a problem for me if they are not corrected. Today I found another mistake by Equifax. They are reporting that an account of mine is still open, although it was closed in a chapter XXXX bankruptcy in 2010. This is the third account that they are reporting as open but included in BK. When I tried to dispute it ( tried 3 times ) they told me that the information that I was giving them was incorrect. It absolutely was not incorrect ... .I have all of the backup information. Equifax is consistently difficult to get mistakes corrected, or even get a dispute started. Basically the first problem that I had with them was that I could not get my free credit report ... .but when I offered to pay for it they gave me the report. This time the problem is a XXXX ( which became XXXX XXXX ) was included in a chapter XXXX BK and discharged. Equifax shows it as open. They also show open a XXXX XXXX XXXX Account that was included in the same chapter XXXX, as well as a XXXX Account. 
Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
I am stationed overseas and I 'm trying to obtain my annual credit report. The site is saying I ca n't get it while stationed overseas. This is when & why I need it the most. How can one serve their country but be denied their inalienable rights? Then one company sends me a letter telling me to put PII in it in order to obtain my report. If that 's not the dumbest thing ever, I do n't know what is. Put my name, social, copy of personal documents in the mail. Really?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
after I spent XXXX seconds on the phone Equifax I was told that a court order was not enough information for them to remove an account from my credit file. I was told I would have to wait for it to fall of my credit report Equifax refuses to provide accurate credit information. They Must remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have contacted Exqufax numerous times in their Exective office each time I am dealing with a XXXX who is not taken my complaint serious I sent a certified Letter asking for the help of the General Counsel and was told by the XXXX Operator I was n't getting anyone, they block my number I have to block theirs to call, they have XXXX inquires that should not be when auto shopping only XXXX is to count against my fico score they are counting all of them, XXXX is not, I feel because I am white they are not helping me, they are not taking off duplicate student loans the government purchased the loans they can see this but yet after I filed bankruptcy they still insist on reporting the negative duplicate student loans XXXX back from 1993. I have ran numerous discrepancies I feel they are not helping due to my race. They are making my health worse I have XXXX and XXXX they are rude and do not do the job they are supposed to do, I feel if I where XXXX they would help. 
certified letter when out two weeks ago still not contact and tried to call the operator again she told me I was not talking to anyone, now since I told them I thought this was a race issue they blocked my number, so you figure it out, only XXXX work there except for the executives, and the customer service, the executives office is all XXXX the operator is XXXX and she hangs up o on you and does not care, I have phone records to prove this, I want this XXXX off my credit, the auto shopping I should not have XXXX different ones each counting and lowering my score,

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

Complaint narrative:
On XXXX/XXXX/2014, there was a judgment rendered against myself and wife for unpaid rent. The facts were inaccurate, rent was paid, and there should n't have been a judgment. The current property manager agreed and we thought it was over. Nevertheless, the judgment was submitted and has been on our credit reports for a while, and we did not know. After attempting to apply for credit, we were denied several times and the hard credit inquires were also creating a negative effect on our credit rating. We notified the property manager, and they worked with us and were kind, because it was there mistake. They sent a letter to the courts, requesting that the judgment be vacated. After calling the courts, they seemed disinterested. The clerk stated, " if the judge decides to remove the judgment, we 'll let you know. '' We have been treated as if we were criminals. Maybe it 's because I talk with an XXXX voice and my wife has a XXXX last name and we were profiled. We are not the criminals. In fact, it against the law for the judgment to even be on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: AR

Complaint narrative:
I have been waiting to finalize a Deed In Leiu for a year with Seterus. I received douments Saturday XXXX XXXX from XXXX County Circuit court containing suspicious content for the same mortgage. The document contain XXXX XXXX XXXX and his ex wife XXXX XXXX XXXX. 
It also contains the Quit Claim Deed executed XXXX/XXXX/XXXX. This house was my Mother 's who has been deceased since XXXX/XXXX/XXXX. 
The Plaintiff is XXXX XXXX XXXX XXXX. 
Please give me a fax number to fax these documents. 
XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, AR XXXX P XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a fraud alert on all XXXX of my credit reports. I have reported that numerous accounts are not mine. XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There were XXXX hard credit inquires from " XXXX '' and " XXXX XXXX '' on XXXX XXXX, XXXX. I have credit monitoring services through XXXX and XXXX XXXX. I called XXXX and the representative contacted XXXX XXXX and connected me with them through three-way calling. The XXXX XXXX representative stated that they have no record of me applying for a recent loan. In fact, the XXXX XXXX representative stated that XXXX XXXX records showed a delinquent debt that was resolved through Chapter XXXX bankruptcy. I filed for chapter XXXX bankruptcy on XXXX XXXX, XXXX and the XXXX XXXX debt was in the bankruptcy, which was discharged on XXXX XXXX, XXXX. There is no way that I would apply for new XXXX XXXX payday loan after receiving the discharge. I 'm not sure what happened, but I have XXXX hard inquiries on my Equifax credit report that I did not authorize or initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX Mn XXXX XXXX / Dob XX/XX/XXXX EQUIFAX CC Consumer Financial Protection Bureau I 'm exercising my rights to request verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 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 my requests to investigate, verify and remove XXXX account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
At the time of this visit to the hospital I was fully insured. I was not made aware that this doctor was NOT a regular on staff physician for XXXX XXXX XXXX and would send a separate bill for his services. My insurance has a binding agreement with this hospital for charges and this charge far exceeded that agreement. I am NOT responsible for these charges. 
XXXX such as this should be made to function under the agreed upon charges as stated in the contract with my medical insurance.

Company response to consumer: Closed with explanation