vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXXXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XX/XX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX.it is now XX/XX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in XXXX days time period .all letters attached. please remove following inquiresCreditor Inquires DatesCAPITAL XXXX, XXXX XXXX/XXXX/2015, XXXX/XXXX/2014, XXXX/XXXX/2014, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OK

Complaint narrative:
Every single year Seterus tries to create an insurance policy on my property claiming the policy I have in place was not paid. The policy they put into place " on my behalf '' is, of course, a much higher premium. I believe this practice to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This company continues to report incorrect information that has been discharge and can no longer report on my credit file. I have attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent documents requesting to have my address and employer updated on my credit file and It was refused. I also called and spoke with someone and my request was refused after answering security questions and on hold for 45 minutes. This happened on XXXX out of the XXXX credit bureaus. XXXX did update my address but the other XXXX refused my service ( Equifax and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have a previous address listed on my credit report that do n't belong to me. The following previous address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX I submitted the claim listed above to have an incorrect collection account removed from my credit file. I received a response on XXXX/XXXX/15 saying the creditor/collection agency had verified the account was mine. The account was being reported XXXX, I contacted XXXX companies on XXXX/XXXX/15 and was told XXXX that they did not report anything against me using my social security number. The account reported was for my father who has a different date of birth, they did not use my social security number or his to report the account and that I should contact Equifax to have it removed since they were the credit reporting agency. XXXX had not reported anything using my information so they could not remove it. When I called equifax again, I was told by a representative that I had to contact the collection agency so they can remove it from my report. When I asked why A collection agency was going to change my file with them when they had told me they could not they said they didnt know but that equifax was not able to change credit files even though thats what they do. I have gone through Equifax 's process of disputing incorrect information and I have not been able to remove this from my file. It has kept me from buying a home and has cost me money when I have applied for credit all due to their negligence and willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i had a freeze on my credit report on XX/XX/XXXX and i asked equifax to remove the freeze and they only removed it for 3 months. I call them again on XX/XX/XXXX and they are trying to charge me for something that i did n't autorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The reason for my complaint is a certain account has been " re aged '' on my credit profile with Equifax. The uploaded filed below will show detailed information of my findings. In report confirmation # XXXX labeled XXXX it shows the date of first delinquency as XXXX. On XXXX/XXXX/XXXX the file was deleted from my credit report Equifax confirmation # XXXX labeled XXXX. On the file labeled XXXX, the dispute response it was reported as XXXX as the date of first delinquency. Lastly on my reason for initiating the dispute was that on XXXX/XXXX/XXXX the date of first delinquency is reported as XXXX on file labeled XXXX. After speaking with a supervisor at Equifax I was told to call XXXX where a person named XXXX, who 's identity can only be verified to me as the only XXXX in the recovery department rudely explained my date of first delinquency that he can see is in XXXX of XXXX. I then called Equifax back who after escalating the call multiple times explained that it is okay because it will now fall off in XXXX. She was kind and later explained to file a complaint with the Federal state commission and forwarded me to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed with Equifax on several occasions advising that they have deleted my payment history for an account from 2007 for XXXX XXXX. I 've also contacted the creditor but was advised that I needed to contact the credit bureau as the creditor has reported the information correctly. I have check with the other major credit bureaus and they are still reporting the payment history for this account. Equifax is the only XXXX not reporting the payment history which is affecting my credit score. This is also happening on a plains credit account and cortrust. The history has disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My wife and I applied to have XXXX of our cars financed through our XXXX Bank instead of continuing our financing with XXXX XXXX. We later received a letter stating that we were turned down because of the credit report from Equifax. The letter also stated that we could contact Equifax for a copy of our report free of charge. I contacted Equifax by phone ( XXXX ) but we were asked for our credit card number as we were going to either be charged {$7.00} for XXXX report or {$11.00} for a different report. When I contacted them via computer ( www.equifax.comXXXX ) it said that I would have to join their membership ( they did n't say the cost ) only that I would be charged monthly and if I did n't later cancel that I would be charged monthly even if their rates for membership was increased. I feel trapped and do not want to share my credit card info with Equifax. The letter from XXXX Bank stated " Under federal law, you have the right to obtain a copy of your credit report ( s ) without charge for 60 days after you receive this notice. '' We received the letter from the bank dated XXXX XXXX, 2016 and today is XXXX XXXX, 2016. Tomorrow morning I 'm going back to the bank to see what is going on. We want a copy of our credit reports they used. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX/XXXX/16 I am a victim of ID theft and my information was used to apply for account which resulted in credit inquries on my report. I have contacted Equifax and told about this issue and they have not address it. 

Fraud Inquiries ; XXXX ( XXXX ) XXXX/XXXX/16 XXXX XXXX - BRANCH XXXX/XXXX/16 XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX/XXXX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting on my XXXX that they removed a collections account but the collections account is still reporting on my credit report for XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifaxis changing status of of accounts on my credit file from included in chapter XXXX bankruptcy declared XX/XX/XXXX and discharged on XX/XX/XXXX to open accounts with late outstanding debts, they reported accounts correctly thru XX/XX/XXXX and on XX/XX/XXXX they changed to open accounts, my first complaint of honda finance, the company reported to you and me, that they are reporting correctly as discharged in bankruptcy and they again will notify equifax to report correctly, this has to be an internal problem in equifax to change status and in addittion the other XXXX credit report companies are reporting correctly, the accounts now reporting incorrectly in addition to XXXX are : XXXX XXXX XXXX, XXXX cc XXXX XXXX XXXX, XXXX cc XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has not removed false credit items from my credit score. The false items have been disputed and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( 1 ) XXXX and ( 2 ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX issues. XXXX XXXX is showing a student loan that was forgiven with a XXXX balance but a 120 day past due still on my credit report. Also XXXX XXXX is showing a student loan for {$2300.00} that was supposed to be forgiven due to XXXX eligibility and is still not taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The state of Louisiana as inaccurate information on my credit report. They are showing that I have never made a payment and that I have been in child support since XXXX. I was placed on child support in XXXX and have made regular payments. Please remove this from my credit report it is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This judgement was placed in my bankruptcy and it is now showing as a judgement. I went to the court house and got it DISMISSED/SATISFIED. The courthouse has then put it in the system, at this time I disputed, faxed and mailed in a dispute regarding this account. I went from getting a court date, sitting for XXXX hours, and getting the neccesary paper work needed to get it removed. Equifax then tells me that it can not be removed off my credit report. I call the court house and ask them and they no longer see it in my file. I keep disputing where as Equifax takes about XXXX days to get back to me to say its not going to be removed and only " SATISFIED '' where they are ignoring where it says dismissed also. I want this judgement removed seeing that it was in XX/XX/XXXX and my bankruptcy was in XX/XX/XXXX, on equifax reporting it didnt show up until XX/XX/XXXX and it was a XXXX party vender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 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 and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to reiterate to both the CFPB an dot EQUIFAX that A ) XXXX Loss and B ) XXXX XXXX Bank have had NO activity/and or Payments from 2008! They refuse to adhere to the law and remove these XXXX accounts. I have bought these XXXX accounts to XXXX and XXXX and they have both REMOVED them due to their 7 year NO activity policy. That is in inc with FCRA law. The accounts have been reporting to my credit report for over 9 years now and they refuse to delete them for some strange reason. EQUIFAX HAS INFURIATED ME BY REMOVING ALLLLLLL PAYMENT HISTORY so that anything i saw or claim can not be verify. It is plane, according to my credit monitoring that BOTH of these accounts have HAD XXXX payments made in over & YEARS! How is is that they are legally still reporting it. 
I DO NOT WANT TO BE TOLD TO STAND DOWN ON XXXX XXXX ACCOUNTS ANY LONGER! I have found that Equifax is very inaccurate in the way that they report my information and i have spent the last year fighting every little detail i can fine. 
XXXX XXXX & XXXX are illegally reporting to my credit report. They must be deleted!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus Inc, whom represents XXXX as a servicer has charged charged me for 11 days of undue interest and has witheld a payment of apx {$72000.00} in overpayment to payoff my loan due their " internal processing time of 30 days. '' Additionally not paying me the interest on 7.25 % on use of those funds

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I contacted my current mortgage company about a refinance. I spoke with the agent for about 20 minutes. I was very forthright. I disclosed we had a 2nd mortgage and would like to roll it into the current. She said we would easily be able to refinance and lower our payment and interest rate. She took my credit card info and said there would be a {$13.00} fee to get us started. We ran into some issues with the 2nd mortgage, decided to just refinance that separately. Again, she said that would be perfect. We had the appraisal. The house according to their appraisal was lower than expected. Again-she said that would n't be a problem. We refinanced the 2nd mortgage through the other company. Sent to it to the mortgage company. Again-perfect. Then we were told that the interest went up and it was n't really worth it to refinance. Also, they had charged us {$600.00} ( appraisal and other fees ) Now we were told that would n't happen. That we would n't be charged unless we were approved, etc. I was hesitant to even do this as my husband was injured and has n't worked in over a year. I would never spend {$600.00} on a 'maybe ' as that is almost our entire mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for Citigold Checking a couple months back with the AA miles promotion. I verified twice that I was both eligible and I met the requirements for the bonus ( two attached screenshots ). 

At that point they said to wait until XXXX for the points to post. I contacted them again today ( XXXX ) and now they said the bonus does not apply to me because I was n't targeted. I 've been charged a {$30.00} service fee in the meantime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. XXXX XXXX reports an open XXXX XXXX Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with XXXX XXXX briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. XXXX XXXX kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at XXXX XXXX and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet XXXX XXXX continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have has trouble in the past as well with Equifax. 
There is another person with the same name, approx 10 years younger, lives a couple streets over and obviously different as number and birthdate. 
I was recently denied credit and shown a much lower credit score than expected. The reasoning for denial seemed to indicate things that do not belong to me. 
I once again can not access Equifax due to them XXXX our information. 
Unfortunately when resolving a similar issue with them only 2 years ago they stated they only verified name and a street and linked us together. No date of birth or ss number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Continue to have issues with Equifax credit reporting service removing and then replacing collections on my report. XXXX XXXX removed both collections from XXXX and XXXX from all XXXX credit reports. Equifax removed the accounts, then placed them back. Each time they do this, it hurts my credit score. Equifax continues to not fix errors on reports, and when they do, they turn around and place the information back on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I lost my wallet at time ssc was in there. I 'm confused on seeing I owe I think its possible I want further information possible someone is using my Indentity

Company response to consumer: Closed with explanation