vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax reported back to me that the inquiries were verified. I have XXXX inquiries from XXXX ( XX/XX/XXXX and XX/XX/XXXX ) in which I did not give permission neither time. The XXXX time in XXXX, they " assured '' me that it was only an internal check to see if I would pay a deposit and that It would not even hit my credit report ( not even as a soft pull. ) Well, it did and the XXXX in XXXX is totally bogus, I did not give them permission to pull at all ; did n't even have a discussion with them about my credit since XXXX when I signed up for service. I have checked some forums to find that this is an epidemic with comcast which is why I am a part of the class action suit that is now against them for this very reason. XXXX XXXX, which has pulled my report under the name XXXX, also told me ( in their XXXX XXXX location in XXXX, TX ) that the pull would be " internal '' and would not hit my credit report because, as stated by the rep, they provide in house financing and would only be checking to see how much i would qualify for and that it was not an application for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are XXXX addresses listed on my credit reports for apartments or homes where I have never lived in my life. As a result certain accounts associated with those XXXX addresses, which are not my accounts, have negatively impacted my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
A hard pull on my Equifax credit report from bank I already have XXXX credit cards with XXXX. I have not applied for any loan, new credit card or credit line increase in nearly 18 months. I suspect identity theft or credit card fraud. I disputed it with Equifax on line and received a response that the hard pull was fact. Sent letter to XXXX about dispute on XXXX XXXX, 2016 have n't heard back. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX 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 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IN

Complaint narrative:
Company will not refund surplus, have lied repeated about what is law and policy, have harassed us consistently, an have ruin our credit, and are threatening foreclosure in spite of the fact that they have received more than required for accurate monthly requirements. The practices of this company are fraudulent, and misleading. We have consistently provided information, waited the advise time period, and 45 days later no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Over two month ago, I sent a letter to Equifax, asking them to investigate errors on my credit report. To date, I have received no return correspondence from Equifax. They are supposed to respond within 30 days, and it has been more than 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Disputed XXXX 's account because it was paid in full but Equifax was still reporting a balance. When I disputed I sent a copy of the receipt and letter stating that the account was paid in full. When the results of the investigation came back, Equifax stated that the information was verified. I contacted the creditor and was informed that the balance was {$0.00} and was reported as such. The account was paid in XX/XX/XXXX but is still showing a balance as on today XXXX XXXX and was disputed on XX/XX/XXXX with results on XX/XX/XXXX. I feel that the information should be deleted since it has been well over 30 days and creditor has stated that account balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Eqifax reported information on my account incorrect XXXX appears in my account as a a collection record. I have no knot of this account. This account was previously deleted and now has appeared on my report XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello : I am looking at my Credit Report, and there are inaccuracies listed as my addresses. I have never lived in XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I called Seterus as I did get a late letter notice. But I also wanted a detaile escrow statement for 2015 with all payments & the breakdown of my taxes and home insurance. When I called, I was connected to XXXX and he found my payment was in escrow, not sure why. But I also asked him for this detailed printout. I had to call him back with my loan number and I got XXXX XXXX. Needless to say, this young kid was not only rude, he talked over me and all I wanted was this printout which I am entitled to. 
I have had several issues with Seterus in the past but I have been ahead with my payments in the past years, even paying more on principle. So my request should not be something that causes a customer service rep to get nasty about. 
This was on XXXX XXXX of this year and I have yet to receive my escrow printout.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was removed off my credit report on XXXX XXXX, 2016 and it was put back on my credit report, I have requested to removed this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 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 never received a bill from this place and do n't know what kind of service they provide. What ever the bill should hve been sent to my insurance which would be XXXX for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received my bankruptcy discharge on XXXX/XXXX/2016. I sent in documents to equifax and the other XXXX bureaus so that they would update my information. Equifax will not remove incorrect info from my report. They are reporting that I had XXXX loans with Honor Finance, I only had XXXX. That was discharged. They will not remove the second XXXX after me disputing multiple times and providing documents. They are reporting a balance owed to XXXX XXXX XXXX XXXX, this was also discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid XXXX and case has been closed however, negative mark still remains on my credit report. I asked XXXX if they would delete mark after payment however said the could n't and it would be up to the credit bureau if they wanted to delete. I disputed this with Equifax however, they did not delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX has reported my account as still in collections on XXXX/XXXX/15 ; however, I paid the balance due in full on XXXX/XXXX/15. The first payment made was on XXXX/XXXX/15 in the amount of {$44.00}. The second payment made was on XXXX/XXXX/15 in the amount of {$130.00}. I am attaching certified documents from my bank showing that these payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several items on my report reading " in-dispute ''. While I did ask for more information at one time I never disputed the results sent to me. This is now causing me a problem with mortgage approval

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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 sent out a dispute letter via certified mail to Equifax on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from Equifax. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX told me on the phone that this loan was 'satisfied '. So, it should not be on my credit report. I disputed it with Equifax and they refused to remove it. It needs to be removed. XXXX sold it to another company and it is showing as a 'charge off ' with the charge off amount of ' {$0.00} '. Makes no sense. This is false information and it needs to be removed by Equifax. I can not buy a loan because of this information on my credit report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have contacted Equifax regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and EQUIFAX is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above XXXX components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the XXXX components under the FCRA and EQUIFAX is in essence breaking the law and I am requesting that they either show me all XXXX pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX XXXX XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX XXXX XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me*** 5. XXXX XXXX XXXX Date of inquiry was XXXX **I called XXXX and they find no evidence to support permissible purpose on this date listed**** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There was a small case suit against me in XX/XX/XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XX/XX/XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.

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: NJ

Complaint narrative:
On XX/XX/2006 I opened loan Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone No : XXXX in Equifax Credit report and Reinvestigate showed " this account has not been closed '' but I spoke with XXXX XXXX ( Now XXXX XXXX ) they said this account is closed, and I do not have plastic credit card either. On report additional information says " Account Transferred or Sold ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My identity was stolen and I reported it to Equifax at the end of XXXX. The other reporting agencies were notified. I have received at least XXXX unwanted offers for credit cards since then. Why has n't this stopped??? It is more than 4 weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My mortgage loan with XXXX XXXX was reported on XXXX/XXXX/2016 as missing the payment for XXXX 2016. This caused my credit score go down XXXX points. The same loan reported by XXXX on XXXX/XXXX/2016 show the payment made. See below XXXX report : Current Worst Payment Status 120-149 Days Late Date of Last Payment XXXX XXXX, 2016 Amount Past Due {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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 disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Equifax did not remove the item from my credit report. Equifax did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Equifax to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is account was deleted off my credit report and now has been reinserted. Please have Equifax remove ASAP. 
XXXX XXXX Status Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX hospital placed a false report of collection on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX, 2015 I received a notice from EXQUIFAX stating the following : " As you requested, we successfully placed an initial fraud alert on your EQUIFAX credit line. " I HAVE NEVER requested EQUIFAX or any other bureau to place any such fraud alert on my report ( s ). By what right have they do even allege such a thing without my requesting it to be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am unable to access my credit report because the information I have entered to receive my credit report does not match the information that the credit bureau has for my reported information. I know for sure that my information is correct because I have only ever had one address, and I have my social security card and driver 's license in front of me. I have no debt, assets, have never taken out a loan and have never gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been the victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My wife died of XXXX in XXXX XXXX at XXXX yrs. I was XXXX with a XXXX yr. old daughter. I filed for chapter XXXX bankruptcy. In XXXX XXXX I went back to court in XXXX to have this dismissed. It was reported on XXXX XXXX. I never went through with the bankruptcy. I have been in contact with all XXXX of the bureaus the past couple of years. XXXX of them have removed it from my credit report. Equifax has not. I have good credit with XXXX XXXX, XXXX and XXXX XXXX. I have had XXXX car loans paid in full. I went to buy a new XXXX on XXXX XXXX. There was a promotion with XXXX XXXX for money back plus first XXXX payments paid by XXXX. The manager said I was denied because I had a bankruptcy. I was denied a XXXX card because my credit report reads I had a bankruptcy. I called Equifax again and was told that bankruptcy shows on a credit report for 10 years. I spoke with a supervisor who was nasty and said, : they do n't care : On the XXXX situation I lost out on approximately {$2400.00}. I filled for bankruptcy in a weak time of my life and I should not have to suffer for something I never went through with. The attitude of the Equifax employees just makes it worse. Can someone please help me this this? Thank you in advance

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

Complaint narrative:
I have contacted Eqifax. They have begun an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IN

Complaint narrative:
I fell behind on making Seterus mortgage payment. I made arrangements to add additional money to my monthly payments. I noticed additional fees. I expected late charges but was billed for such things as inspections, title searches, etc. I called to find out my all my extra payments were going to a " suspense '' account and not the arrearage, and to determine the remaining arrearage. I have paid in excess of {$200.00} over the balance they stated as evidenced by online banking however my arrearage is not closed and no one at Seterus can provide me answers. I 've asked for a breakdown as to how they have applied the payments numerous times and still have not received anything. 

I would think the " suspense '' account would be illegal. I pay in extra money expecting it to go against the arrearage, It sits in this mysterious account earning Seterus interest and not being applied toward my account until it reaches the normal monthly payment. 

I want to review the extra fees and how my money was applied and all I get is ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I sent a copy of the letter from the XXXX, XXXX XXXX XXXX that outlines their efforts to have the defaulted loans removed from my credit reports. This happened XXXX XXXX, 2016, but the reports have not been updated.

Company response to consumer: Closed with explanation