vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed multiple disputes going back as far as XX/XX/2015 regarding information regarding XXXX XXXX XXXX, XXXX XXXX and XXXX and that is reporting on my credit report and Equifax has failed to provide any verification that the information was correct, They will just send out any email stating the investigation has been completed ( generally in a 1-10 day ) however never provide the information collected and the damaging information remain on my credit report. Also after the " investigation '' my credit is generally damaged even worst. They also sent out an email stating that a Judgement would be deleted from my report however the Information is still reporting on my credit report. I have contacted the creditors as well as equifax to correct the information without success. I do not feel that Equifax is investigating the disputes, I feel they are just waiting a couple of days and sending out a resolution email without providing proof. I feel this is unfair treatment and dishonest treatment in regards to customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My mortgage was sold to Seterus around XXXX of XX/XX/2014. I had previously sent a payment of {$57.00} to cover an escrow shortage to my prior mortgage company. When my loan transferred, the amount of {$57.00} was credited to my escrow account as of XXXX XXXX, XX/XX/2014, however my payment was a higher amount. I contacted them on XXXX XXXXXX/XX/2014 and was told that they would not be able to credit that amount since it was received by XXXX. They proceeded to tell me my mortgage payment would be increased to {$1100.00} per month and would not be the {$1100.00}. The amount of {$57.00} was listed on my XXXX XXXX statement for the month of XXXX from Seterus as a single payment to my escrow account. Yet, I had to make the higher payment amount of {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently pulled my reports in XXXX, upon that I found numerous inquiries and fraudulent accounts on my reports. I contacted the Equifax and they told me I needed a police report. I went to XXXX office filed a report. Once I received the report I was told to fax it in to Equifax, XXXX. I was told that the items would be deleted and removed. However upon opening my XXXX bank account, I found out my score was a 401 due to collections from the fraudulent accounts that were deleted. They have been reinserted after being removed. When I called back in XXXX I was told another investigation was to be opened because the company had sent them ( Equifax ) placing the item back on. I then asked to speak to a supervisor he was extremely rude and stated there was nothing he could do because I had to do another disputes. As of yesterday XX/XX/XXXX I sat on the phone being switched from one agent to another then left on hold for 2hours and 15 minutes. Equifax needs a better system if you are a victim of identity theft these companies should have to provide verifiable information that account is properly accessed to the right individual. I would like for Equifax to make these creditors provide accurate information for my reports and if they ca n't delete and remove those items and send a reconsideration letter to my bank saying that it was an oversight on my reports of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX account listed on my Equifax report incorrectly. I 've been disputing the fact that it was ever late, but it was officially paid off in XX/XX/XXXX. When they responded to Equifax with that information, it started reporting 120 Days delinquent in XX/XX/XXXX. That ca n't be possible with it being paid off in full and only negative 60 days once and 30 days XXXX other times. XXXX XXXX agrees with me and says so in a letter that I 'll attach. Equifax refuses to update the record, but the other agencies have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Dear CFPB Staff, I contacted Equifax Credit Reporting Agency back on XXXX XXXX, 2017 to give them my new address and to request my free annual credit report. They then sent me a letter back saying I needed to send them a copy of my Utility Bill along with proper Identity documents showing who I am. This has been done. However, it 's now been over 60 days and I have yet to receive my annual credit report and check if there 's anything I need to correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. They would need Equifax to correctly dispute with them the information for resolution. I called Equifax many times and they refused. I did an online disputer and it was closed almost immediately to which XXXX of Equifax customer service representatives stated that they generally just close them out without further inquiry. I would like Equifax to correctly inquiry and resolve this issue and remove the Hard Inquiry as there is no information from XXXX XXXX Credit, no account records and no application history or any information leading to any reason of a credit inquiry to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
when I was unemployed I made my payment and it was fully paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please be advised this was my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation, Equifax stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
Equifax have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - Equifax are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear, I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed XXXX basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For My XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from XXXX, Equifax , and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I initiated a dispute of highly inaccurate information on my credit report on XXXX XXXX, 2015. Since then I have sent over XXXX letters to the credit bureaus to have them do their role and investigate and remove these inaccurate accounts. Nothing has been done and they claim that they verified the following accounts. I know this is a lie, because I am the alleged debtor and the debtor has n't even verified with me that the debt is properly validated. Pursuant to the Fair Credit Reporting Act the credit bureaus must verify with the furnisher of information on record. This has not been done. Please assist me because my family and I are trying to achieve the american dream of home ownership and the credit bureaus lack of response and irresponsibility is keeping my family from achieving this. The following below are the account numbers that are in question. I have also included the last XXXX letters that have been sent over. 

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Lighthouse Acceptance Corporation
State: WA

Complaint narrative:
Interest charged is 24.99 %, when Washington XXXX law caps it at 12 %.

Company response to consumer: Closed
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
I refinanced under the Home Affor. Act several years ago w/Seterus. My payment later went from XXXX to XXXX ( temporarily to catch my escrow up ). That was several years ago. Now, they 're raising it again to XXXX, even though I have a fixed rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
I am XXXX year old XXXX. Pressler and Pressler counsellors at law, XXXX XXXX XXXX, XXXX, N.J. XXXX debt collectors, have been harassing me to pay a debt that occurred prior to the year XXXX. they are demanding i complete the forms they sent me requiring all sort of information regarding my personal finances. Their letter says I can make payment arrangements. this debt, i believe, is to old for collection. I do n't know what to do. I am so upset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried twenty times to get my free report from Equifax. They keep saying I am giving them the wrong information even though i absolutely am not. They are trying to get me to pay for the report instead of having to give it to me for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2017 XXXX received a Letter for dispute via Certified Mail. 
XXXX, as of today, I have not received an answer from Exquifax from them regard my dispute. I requesting Proof of verification from the following Illinois Federal Court Bankruptcy # XXXX-Unverified Account XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late payment. 
I am requesting this information be Permanently Deleted due to untimely respond from Equifax and Inaccurate reporting of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised I had a VOLUNTARY judgement with XXXX in GA Phone number XXXX! Part of the agreement was XXXX agreed not to place the Judgement on my credit report! Months later after it was inserted I called the XXXX XXXX XXXX where the Judgement was filed and the County Clerk advised me that they do not give the credit bureau any information! Apparently, they went seeking the Judgment not knowing the agreement XXXX and I had! I in turn called XXXX and they did acknowledge that they agreed to not report me! I immediately wrote all XXXX bureaus and advised them to call XXXX at XXXX to verify the agreement! Apparently, XXXX and XXXX did their due diligence and called and verified and removed the Judgement but Equifax did no such thing just marking it as verified! I do not know who they verified it with because if it was XXXX they would have advised them it was not to report per our agreement! Please see the tradeline below! 
Legal Item XXXX XXXX, 2015 Satisfied {$3600.00} Public Record Details Reference Number XXXX Court -- Date XXXX XXXX, 2015 Status Satisfied Amount {$3600.00} Classification -- Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax reports that there is a judgment against me in XXXX Municipal Court. It has affected my credit score to the detriment. I have written Equifax about the inaccuracy with the name difference. I finally filed in court to have this judgment vacated due to identity theft while I was overseas. The court vacated this Judgment as indicated by the attached and should be removed from my Equifax file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Seterus, Inc.
State: IA

Complaint narrative:
Wo n't return my escrow, even though I 've asked for the balance for over 14 months. In addition, unsubstantiated {$90.00} per month fee. Have submitted documentation multiple time without satisfation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. Bank XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to DNB and will be paid or unpaid, and I will report this on all DNB numbers for Equifax Inc.

Company response to consumer: Closed
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted Equifax and XXXX in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct. 
I have a account with equifax reporting a judgement for county clerk office reporting in correctly as well on my report I have submitted document to the bureau in regards to the county clerk not reporting to the bureau but they continue to verify information that they claim is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My husband and I filed a Chapter XXXX Bankruptcy in XXXX of 2009. However, after filing it, we changed our mind and decided to simply deal with our debt. However, the attorney that we used did not tell us it would still remain on our credit report for the standard SEVEN years. So, for the last seven years, we have done our best to build our credit and actually have pretty good scores FINALLY. Everything I have read on the credit reporting agency 's websites and online indicates that a Chapter XXXX will be removed after SEVEN years. After checking our credit scores and reports, we noticed that Equifax had not removed the Bankruptcy. XXXX and XXXX removed it automatically. I have filed a dispute online with Equifax, however with limited options with their online dispute form, they responded that the Bankruptcy was reporting correctly. I then typed up a very detailed letter, along with information from their own website showing that a Chapter XXXX should be removed after SEVEN years. I received a response from them indicating that I did not provide enough information. I am frustrated and do not know what else to do. Equifax simply refuses to remove the Bankruptcy. I would also like to reiterate that WE DID NOT GO FORWARD WITH THE BANKRUPTY and paid our bills. The laws or regulations regarding this type of transaction incident should be changed to enable the bankruptcy to be removed once it is determined that it was not proceeded with. A simple filing should not stay on a credit report as if it was done. It 's simply not just. I am hoping that this agency can get Equifax to remove the Bankruptcy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
XXXX, through the servicer Seterus, filed a les pendens against my property while I was making timely payments on my trial loan modification - I had already made 2 payments on time. This appears to be a " dual tracking '' based on what I have read. I called Seterus and they told me this was their standard practice and the lien would be removed when I had made the third payment. I never received any notice of service nor any other communication that they were proceeding with the foreclosure. I did not receive any late notices from them until my loan was 6 months delinquent.

Company response to consumer: Closed with explanation