vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid off a collection account from XXXX XXXX XXXX. XXXX sent me a letter stating the account was paid in full and would be removed from all XXXX credit reporting agencies. 
XXXX and XXXX removed the account automatically, Equifax did not. I contacted XXXX again and they said they would request the removal again. It still was not removed so I submitted a dispute with a copy of the letter that stated it was paid in full and to remove it from my credit report. I just got back the results and they updated the account to paid but it is still on my credit report. I called XXXX and the Rep said they could not make any further changes even with the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed this information with XXXX/XXXX several times. This account was included into a Chapter XXXX case XXXX XXXX XXXX and discharged back in XX/XX/XXXX. I spoke with a rep call XXXX ID # XXXX. He stated he show another chapter XXXX bankruptcy filed & in XX/XX/XXXX he can add the debt to. Why are you adding a discharge debt to a current bankruptcy? 

XXXX/XXXX XXXX .... {$200.00} as of XX/XX/XXXX XX/XX/XXXX Petition for Chapter XXXX Bankruptcy. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received the attached letter, acknowledging it would be the last contact I will be receiving. However, they are still calling me at least once sometimes twice per day on both my mobile and my home phone as recently as today XX/XX/2017.The letter attached specifically states " you will no longer be contacted regarding this debt, as such, this will be the last communication you receive from this office ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My mortgage company does n't have all of my loan origination documents and they claim they are missing my original amortization schedule. I only know this because I called in to make sure PMI would automatically remove itself next month when my LTV hits 78 %, based on the original schedule. I am currently well below that. The company and their reps basically told me that since they do n't have the original amortization schedule that it would n't be removed. Per the PMI removal regulations ( " When the balance drops to 78 %, the mortgage servicer is required to eliminate PMI. '' ) I do n't feel that the company is meeting their requirement as a mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After several low quotes for car financing, I decided to research my credit ( XXXX or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( XXXX and Equifax ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with XXXX & Equifax. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
They will not remove these XXXX accounts below accounts from my reportXXXX XXXX XXXX FCUAcct # XXXX Acct # XXXX Opened : XXXX Date Opened : XXXXBalance : {$12000.00} Balance : $ XXXXI have disputed these accounts with Equifax Information Services , LLC numerous times. But they will not and have n't removed the information. Experian and TransUnion have removed these accounts from my credit files but Equifax has failed to do so. They keep saying the information is being verified but have yet to provide me with the documentation they 're receiving from the creditor stating the information is mine and not fraudulent. I would this matter to be resolved ASAP as I have disputed it multiple times with Equifax. I can not obtain credit due to these inaccuracies on my credit report. Hopefully, Equifax does it 's job this time and thoroughly investigates, then removes the items from my credit file. I have attached a copy of the police report that I received and other documentation that I sent to Equifax for removal of those fraudulent accounts. Thanking you in advance for your cooperation. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I spoke with Equifax on XXXX/XXXX/15 and asked them when the following accounts would be removed from their credit reporting. I was given the dates listed below in XXXX and XXXX of 2015. These dates are all past the 7 year mark and they all should be removed no later than XXXX 2015. I was told my only option was to dispute them which I did. The results are attached. 
Problem : Every time I call Equifax I get different information. 
These removal dates are all incorrect. They should be XXXX 2015. 
Equifax has told me they base the removal date on the DATE OF LAST ACTIVITY. This date is blank on every item listed in the attached report! When I ask what constitutes the date of last activity I get varying answers! I disputed all the accounts below but they only processed some of them. 
As can be seen from the information below Equifax, XXXX and XXXX all are using different dates. Am I to assume these companies are reporting different dates to each credit bureau? This makes no sense. 
Account # Equifax XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 Not Reported DeletedThese dates need to be fixed and the accounts deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
I was experiencing hardship and requested my mortgage company, Seterus to assist me in reducing my payment. I was always on time and current with my payments prior to my request for assistance. Originally, I was told that I did n't qualify unless I was late with my payments. I was told that I must be late or delinquent with my payments before they would consider my case for approval. I submitted a letter which detailed my hardship. I expressed that I am responsible for my debt and I want to pay my payments on time ; however, I foresee it becoming very difficult to maintain all accounts as I was operating with a negative balance. My payments were lowered for a temporary period until the loan modification was complete. My original payment was apprx. {$1600.00} and my payments were lowered to apprx {$1200.00}. I paid these payments directed by Seterus, on time during this period ( 10-12 months ) before the modification became final. I recently ran my credit score and my XXXX shows that I have been late 6 months, which is incorrect. Seterus report my account late XXXX. I was never late. I made the temp mod payments on time and continue to pay my mortgage on time. I have paid my mortgage on time since I bought the property in XXXX. I filed a complaint through the credit bureau challenging the information they have posted on my account. My account lists as a FHA and conventional loan. Unsure if it is reported correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
All my accounts have been paid as agreed, there is a mistake on a XXXX XXXX XXXX account # XXXX I need this corrected ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 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 disputed this account on many occasions. Finally, i had enough and asked since XXXX XXXX continues to report this account please send me a signed " agreement between me and XXXX XXXX XXXX. I finally received the document and here is what i found. The original account # with XXXX ( original creditor ) shows XXXX while XXXX XXXX shows for original creditor # XXXX. No initials on this " payment agreement ''. Signature does n't even match signature on my license. Balance even shows XXXX but shows different amount on credit report. I want this account removed immediately from all credit reporting agencies. i have included copies on all supporting docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report from Equifax on XXXX XXXX, 2016 ( # XXXX ). I pulled my credit report form Equifax # XXXX on XXXX XXXX, 2016 and still have negative account info listed for # XXXX and XXXX. If you view the attached Equifax report it clearly states the history was deleted on report number XXXX ; however, this stilled displayed on my credit report. Also, all old address should have been removed from my profile as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently viewed on my XXXX Credit Report a hard hit Inquiry by EQUIFAX MORTGAGE SERVICE. I do n't recall authorizing EQUIFAX MORTGAGE SERVICE to run my credit. I am not in the market to be a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The firm of Pressler & Pressler has filed a levy with my bank for a debt they claim is mine. I have never received any notice of this debt or the lawsuit they apparently filed. I have received XXXX documentation. I first became aware of this debt when the levy was filed with my bank. Upon contacting Pressler & Pressler, I was told they contacted me at an address I have not lived at in many years. I was then told they have been trying to contact me at my current address for the past four years, however I have only lived at my current address a few months ago. They said they have sent many notices, but have no proof of service or anything with my signature indicating that I have received even a single letter from them. They have offered no proof that this debt is mine. Additionally, they were extremely rude when I contacted them and claimed that they have other debts they are trying to collect from me. Again, I have never been contacted by them, they offered no proof of the validity of these debts, nor any proof that they contacted me at any point in time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax required me to purchase a credit report from them for {$15.00} just so I could find out if my account had a credit freeze on it or not. I should not be required to purchase a product just to find out about my own personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Over the past few weeks, I have been harassed by my mortgage company, particularly by this XXXX agent, XXXX XXXX. He talks down to me and is very negative. I had a call with him last week and one today, XX/XX/XXXX. He does not listen and talks over me and he talks to me like I am behind and will not pay, when I have paid them monthly. I sent them a letter back in XXXX when I had a major home repair that caused me to pay them after the XXXX of the month. They did not respond. 
I spoke with another agent who called and he gave me another fax number to resend the letter and I resent the letter successfully. They did not respond from XXXX when I resent the letter until yesterday. I received a letter confirming that they did not make a late report to the credit bureau. The first agent ( a female-XXXX on XXXX ) asked for when I would get back on point and I told her by XXXX. She did a review of my finances and said that I do have the ability to pay my mortgage based on my income and noted that I would be back on schedule by XX/XX/XXXX. I thought that would have ended the phone calls, but recently, XXXX XXXX has been harassing me and causing me stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I reported this before & never got a reply. XXXX XXXX verbally agreed to let me make payments. I made all but {$35.00}. I never got a receipt for any payments made nor was I contacted about the remaining balance. I was told it would be removed from my credit if I made payments. Instead they garnished my wages for {$35.00} plus fees. It was never removed from my report & now shows I was in collections for the full amount negatively affecting my credit. They were in breach of a verbal agreement & I would like it corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Equifax has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX XXXX XXXX Acct # : XXXX since XXXX 2014. Not once have they provided me valid proof that it was mine XXXX that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Settled ( for less then balance ) on XXXX XXXX credit card in XXXX of 2014, but there is a " balance '' still showing on my credit report for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have not received free annual credit report from Equifax as requested in 2016. 
When requesting from XXXX FOR THE PAST SEVERAL YEARS they refused to accept several proof of address attempts. I did Include photo ID and letter from the homeless shelter and they continued to deny. I have lived at the same address for eight years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have provided the attached letter from the originator of a judgement that was obtained against me by mistake. I have forwarded this letter to the XXXX major credit reporting agencies and all but has remove the item from my credit report. Equifax is the only agency that has not removed the judgement and they have not responded to numerous letters on the subject. I have now been turned down for a refinancing of my home by my current mortgage company, XXXX XXXX XXXX, and this item was XXXX of the reasons stated for the rejection. This refinance would have decreased my monthly note payment by over {$1200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed this account twice with the credit bureau. I have sent information concerning the payment history for the account on file. I sent information showing that my child support payments are not late as they continue to state. The bureau even received information direct from the company showing my payment history, yet they are allowing this information to continue to remain on my account. On my credit file it states that I have not sent a payment in for this account since XX/XX/2016, which has been proven by myself and the reporting company to be a lie. I have sent letters to the reporting agency asking for copies of my payment history and they have yet to respond. However, they sent the information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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:
These inquiries below should be deleted asap. I have attached email proof I did n't request company submit my deal to all these banks. 

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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The credit bureau will not perform a proper investigation nor will they delete inaccurate personal information from my credit reports after all documentation has been sent to them. The courts verified with me via the phone that the liens and the judgments are not verified with the credit bureaus. According to the Fair Credit Reporting Act Section 611 part B subsection iii, they are supposed to verify with the source of the information which they are providing me but apparently that is not what is going on. 

I asked for the following : 1. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
2 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
3. What certified documents were reviewed to conclude your investigation? 
4. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
5. What did it cost your company to obtain the documents needed to complete your investigation? 
6. Please provide proof of your timely procurement of certified documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 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:
XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score. XXXX IS CONTINUOUSLY RE-AGING THE ACCOUNT. THEY SHOULD BE FINED FOR THEIR ACTIONS PER FCRA

Company response to consumer: Closed with explanation