vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
An open collections account is listed on my Equifax credit report ( Listed as a number XXXX - XXXX XXXX XXXX XXXX ), but this account was paid in full ( {$140.00} ) to the original creditor, XXXX XXXX and XXXX - XXXX ( see attached bank statement section. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did dispute this nonsense withe equifax no respond from this XXXX, they reinserted deleted items on my report I did send them letter to explain too me why did you reinserted deleted item I even talk to them on the phone, they r very nasty they toll me we never report them, wow I see them on my credit report then I toll them here is the amount and dates when they ware deleted, here cfpb I give you amounts and dates when they deleted, XXXX XXXX was deleted XXXX dollars. Another XXXX was deleted on XXXX XXXX amount XXXX dollars, now after a year they did reinserted back on credit file this collection account they delete, XXXX XXXX XXXX, I contact both wats going on no respond from them they blame each other, by the law when they delete accounts from file they ca n't pout them back I blame both equifax and XXXX XXXX XXXX, more I blame equifax for reinserting deleted items

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 — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed this information with Equifax and with XXXX XXXX. XXXX XXXX and Equifax has refused to validate that this account is mine. I demand that during this investigation it be deleted from any and all my credit reports. Equifax claims that this information is being reported correctly and has refused to provide me with full details of their investigation. As for XXXX XXXX they have refused to delete this from my credit report as well but has not validated that this account is even mine. I have requested VALIDATION OF THIS ACCOUNT and proof of payment history to show the so called balance owed along with proof of payments that were posted to the account I also requested this information. As of today I have not received this from either XXXX XXXX and or Equifax. I demand that they send me proof that this is my account and that the amount and the information is correct along with complete payment and statement history from day one and the signed contract showing I owned this vehicle as I do not recall ever having an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX/month when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MN

Complaint narrative:
We have a loan with Seterus, the lender. They changed terms XX/XX/XXXX but mailed the notifications to the wrong address. On XX/XX/XXXX we where main aware of this change. We continued to pay the the prior amount until they got us the documents. By the time they did get us the documents it was also on our credit report. We have been working with XXXX since this time and continue to pay the prior agreement until they fix the issue they caused. They have acknowledge they made the mistake with sending documents to wrong address and still XX/XX/XXXX continued to send documents to wrong address and call us to verify address but had the wrong one. XX/XX/XXXX I spoke with XXXX XXXX, in the dept of Consumer and Government Affairs at Seterus several times via phone and letters. During one of these calls confirmed they made the 1st mistake and would removed the late fees and reporting to credit reports. During follow up he changed his tone and they only removed up to XX/XX/XXXX when they finally got the documents to me. My point to him is at that time I told Seterus weekly that I would pay the new amount but they first needed to send me confirmation they where removed the issue from credit report and late fees. Because they would n't acknowledge their mistake until a year later, this issues has continued on. During the last 18 months I have received more calls then I can count were the Seterus rep. agreed with me that the issue was theirs. I have send some of the details of these calls to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I received an consumer inquiry on my credit file from XXXX on XXXX XXXX, 2016 and have been given the run around by Equifax and XXXX since XXXX. I have received a letter from XXXX stating they will notify Equifax and have Equifax remove the inquiry. Well, Equifax is stating XXXX XXXX has n't sent them an electronic file to remove this inquiry. I again contact XXXX XXXX and they state they have contacted Equifax electronically and requested this inquiry to be removed. 

On XXXX XXXX, 2016 I contact Equifax again and fax them a copy of the letter from XXXX stating they will notify Equifax to remove this inquiry. Equifax inform me to call back within 48 hours and this should be taken care of and removed from my credit file. I made a follow up call today XXXX Thursday, XXXX XXXX, 2016 ) to verify the inquiry has been removed. I am then told that Equifax still has n't heard from XXXX AND refuse TO ACKNOWLEDGE the letter from XXXX to remove this inquiry. Equifax then informs me that they will not remove the inquiry unless they here from XXXX XXXX electronically. 
Equifax has eluded to stating the consumer could have made up this letter ( which is attached ) and refused to even acknowledge I received it from XXXX XXXX. I 'm at my wits end, very frustrated and annoyed with the disrespect shown to the consumer from XXXX XXXX and Equifax. What are consumers to do when we are caught in the middle of a mess. This inquiry system needs to have a better dispute process, it is impossible to challenge and resolve inquiry disputes on the part of the consumer. Our hands are tied and were caught in the middle of mindless idiots when they make errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 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:
Equifax thank you for the same info you provide in the US MAIL. UMM But you still are not sending the info that I 'M REQUESTION. Ugh.. The creditor report to you. send you all the info on the consumer. you should have every signed contract that the creditor and I had agreed to when opening up a new account. the law states that the reporting agency should have that info on file and it should be available to the consumer by the credit agency ( which is you Equifax. I have asked you for months to send this to me and you have fail to do so. I DO NOT WANT THE CONTRACT FROM THE CREDITOR I WANT IT FROM YOU TO MAKE SURE YOU ARE REPORTING THE CORRECT INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting to validate/verify the accounts below. 
Please delete any accounts below that can not be validated/verified. 
JUDGEMENT XXXX o XXXX AND XXXX XXXX o XXXX/XXXX/2009

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
ive tride to get credits cards and my bank and ive tried to get a car at a dealership. both times it says i owe money. ive never had a credite card or anything to builed or ruin my credite

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax removes and reinserts so that WE pay big bucks but it is n't to watch others it is to watch XXXX! XXXX is supposed to be removed from my credit report. Seems only Equifax has problems reading XXXX. I have reported them multiple times to XXXX XXXX, Attorney General 's Office, as well as the XXXX to no relief. 

See letter to REMOVE XXXX from my credit report.

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 — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello, I have attached an Excel sheet of my credit report with a color code, the yellows are inquires are made but not by me or even my permission, I suspect an identity theft. it seam to me that somebody want to issue a credit card under my name or buy some thing under my name or they might sent these bills to the old address which i moved since thtee years and I undated my new address by phone or online. 
The red coded color:1- XXXX , they never sent me a bill, statement or email to notify me that i owe them money, they reported me without contacting me, However, I went online to check if I owe them and paid my bills. 
2 XXXX company they were sending there statement to the wrong account I called them and inform them that you are trying to draw the payment from the closed account please change the account to another one and I gave them the account number, they never bother to contact me when the first payment came back to fix the issue, but they ran fast to hit my credit. I am current with them. 
3- XXXX XXXX XXXX they never contacted me or emailed me, but because I knew I bought something from them and longed online and paid my bill, three months after I paid my bill they called me and told me that you have a balance of late charges which i am not aware of, I tried to explain what happened, but they insist that I have to pay these late fees which accrued because of their fault. 
4- XXXX XXXX XXXX : I filled the application in the store and filled my correct address, but I do n't know how they were sending my bill to the old address, they called me and discussed the issue and solved and I paid the the amount due at the same time. 
I do n't know why they reported me as a delinquent5- the new employment - XXXX XXXX , who I work for them, I contacted them and asked them, they told me we never ran your credit report and we do n't have the right to do without your permission .. 
please help me out to take all the highlighted items with yellow and red to improve my score. 
your help is much appreciatedXXXX XXXXPhone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are XXXX auto loans being negatively reported on my credit report that has both been paid off in full. The creditors XXXX XXXX has sent me a paid in full letter that I have since forwarded to XXXX. Credit report has not been updated. Submitted several documents within the past few months and issues has not be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 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:
I am disputing with Equifax certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Equifax to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been HOUNDED by a XXXX collection agency for more than 6 years now. I disputed the collection with Equifax since they keep holding on to and posting this collection against me! NOBODY SEEMS TO BE LISTENING to the fact that this debt and all others were included in a bankruptcy filing in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
my wallet was stolen XXXX and now I think thieves are opening accounts with my information because I am having trouble check my credit report. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received my credit report on XXXX/XXXX/2017. Equifax eliminated accounts. Subsequently the report contained XXXX positive accounts and XXXX negative. According to information Equifax shared with XXXX XXXX, not only was XXXX XXXX reinstated but my score went down XXXX points! Screenshots attached. 

Account quantity is not a major score factor according to XXXX XXXX, yet it went down XXXX points, despite my credit increase by XXXX XXXX ( a satisfactory account that I 've had for a year ) and a decrease in in my credit utilization of the same account. 

So where is the science in the Advantage algorithm? It 's fallacious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
its the same old thing with EQ. i dispute an item on my CR and EQ does no investigation just verifies the information. Sent in paperwork proving item was removed off CR in XXXX 2015, but showed back up 6 months ago. i guess there is no law requiring them to investigate or forward info to credit furnisher. i hear there are really no laws about investigating disputes. the system is automated and ran on computers that are outsourced to other countries. the XXXX credit agencies are worried about ID theft yet outsource to XXXX known for id theft. to save a few bucks EQ puts my info into foreign peoples hands. i hear these investigations are never looked. my complaint is that EQ do a real investigation. that " XXXX. '' DELETED COLLECTION OFF CREDIT REPORT THEN REINSERTED A YEAR LATER WITH NO STOPPING THEM BY EQUIFAX AND NO COMMUNICATION TO ME. I DISPUTED A FEW MONTHS AGO. VERIFIED IN 1 DAY. SOME INVESTIGATION!?!? IM A XXXX VETERAN AND ITS DRIVING ME CRAZY TRYING FIX MY CREDIT REPORT

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed an account with Equifax and provided proof directly from the creditor that I never paid said account late, yet Equifax completed my dispute as they have verified the item belongs to me. Equifax also stated that there is no historical account information currently on this account. 1. I never disputed ownership of the account. 2. they did n't remove nor address the late payments, and if there is no historical account information, how can they justify leaving a late payment. 
In addition to all of the above, this account was previously reported 30 days in error by the credit grantor, and was subsequently corrected in XXXX of 2014. Now, Equifax is re-reporting this and I have no idea why and why they are n't accepting the documentation I 'm sending them. I do n't understand what 's the point of them acting like it 's to a consumer 's advantage to submit documentation during a dispute if it 's not going to expedite or assist in the resolution of said dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that a modification on my mortgage was approved several years ago as I was going through a divorce, the mortgage servicer maintains a continuous 180-day late payment history. The same credit rating states PAYS AS AGREED. This is highly discriminatory. I am a professional XXXX American woman and I find this type of credit reporting to be racially biased and I have XXXX chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against XXXX, I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, XXXX XXXX chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX one is over XXXX days. XXXX XXXX verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They added the account after my husband filed for bankruptcy in an attempt to collect the debt - reaged the account and in violation of the bankruptcy injunction for myself are showin 10000+ owed and a Charge Off. This is illegal as is re-aging the account which they also have done. Disputed for the XXXX time after XXXX days with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
I want to file a complaint on Seterus regarding in saving my home. Just for Seterus allowed my home to be sold right from up under me. Here is the events that I took to save my home : On XXXX XXXX, XXXX I made every effort to comply : XXXX The process was done with the assistance of XXXX XXXX XXXX XXXX HUD approved XXXX XXXX XXXX. 

XXXX Was told by Seterus my name was not on account as a co-borrower. 
XXXX Was told to go to Probate & get fiduciary letter. When I did XXXX days later paying {$170.00} plus {$12.00} for printing. This had to be signed by my daughters. 

XXXX Paperwork was submitted along with XXXX form, Taxes again with signatures and bank statements. 

XXXX Follow-up with Seterus per any other documents needed they sent a new XXXX ( with check bot ) and they wanted a new XXXX award letter & retirement. 

XXXX Faxed over re-requested documents ( was told will make sure F/C date was noted ). 

XXXX Follow-up spoke to XXXX XXXX she assured all documents in was being escalated to push back F/C sale date. Asked that I call on XXXX for follow-up Stated the fil was in review received letter that all documents in and was being reviewed. 

XXXX Follow-up with Seterus file in review I received a letter stating all documents was in and in review. 

XXXX Received a letter saying that my property was sold on XXXX/XXXX/XXXX I made every effort, complied with all that was asked of me WHAT HAPPENED!!! Why now was my name an issue? I was allowed to repayment plan in XXXX - again way was my home sold and I did everything in my power to comply. For the past four years I have had to deal with the loss of my husband, my health and among other things I 'm trying so hard to keep what I worked so hard for so my children can have a place to come to. 
I am a XXXX year old woman with health problems I XXXX. I have been so stressed out and frustrated over this whole ordeal that I feel like there nothing else for me to do. I thought that you were supposed to help your customers not rob them from their home. I and my husband worked hard to purchase the house we would spend the rest of our lives in only for it to be snatched right from under me. I simply do n't understand that at all. What happened to nice America is it gone it is ashamed that I have had to go through this ordeal to approve or try to save my home. I feel at this point you were never was out to help me to save my home but just to sit me out doors in the streets. All I 'm asking if you could work with me on this matter of saving my home.

Company response to consumer: Closed with explanation