vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
XX/XX/XXXX as was looking to consolidate my mortgage and my equity line. Knowing this was going to put me near loan to value I specifically asked XXXX XXXX, Doscover Home Loans Officer, about the mortgage insurance. I was assured that it would automatically drop off after five years. Now I 'm told he lied to me by XXXX and that I will have to pay it until XX/XX/XXXX unless I pay the mortgage down to XXXX. I have the specific emails where this was discussed. He even added that it could possibly come off after XXXX but only if I have the loan value down but assured me that after 5 years it would drop automatically. Attached is the email. Now I am stuck paying mortgage insurance for a long time and negating the savings of combining my to loans. It appears that this was possibly just someone trying to close deals to meet quotas and not being concerned about the customer. And yes I am now show. The document I signed at closing. While I am sure the closing attorney XXXX XXXX went over this document I had already made sure I was up to date on the mortgage insurance issue by discussing it in detail with the loan officer. I would like to know what my options are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover placed an Authorize Hard Inquiry on my XXXX report, I 've contacted them over and over. They sent me a letter saying it was there mistake and that they will remove it, but still have not done it after months and months if not over a year of me asking them and XXXX

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

Complaint narrative:
There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I paid the collection account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent in a complaint to the CFPB about Equifax fraudulent inquiries on my credit report. Equifax responded on XX/XX/XXXX stating they did n't receive any information from me and that I needed to contact the creditors. I responded on XX/XX/XXXX backing up my statement about the letters I 've sent to them. On XX/XX/XXXX all of the inquiries were deleted off of my credit report except one ( which is factual ). On XX/XX/XXXX all of the inquiries were reinserted back on my report with no warning or paperwork from Equifax which is against the FCRA law. I 've attached a copy of the paperwork below. 
Equifax also sent me a letter on XX/XX/XXXX Confirmation # XXXX with the results of an investigation that they conducted from the letter I sent to them about some unverified accounts. Equifax removed the negative accounts off of my credit report up until XX/XX/XXXX. I checked my credit report on XX/XX/XXXX and all of the negative accounts that were deleted has been reinserted which again is against the FCRA law. I 've attached all copies of the fraudulent occurrences below.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a tax lien on Equifax. I am not disputing that I owe taxes, I pay a monthly sum to IRS every month. What I have been trying to get cleared up with Equifax is that they are reporting incorrectly. I sent the first dispute out on XXXX XXXX, XXXX nd since then have received 3 letters from Equifax stating they have validated that the tax lien is reported correctly. I have asked for proof of validation and they state they validate with the court. I know for a fact that they are reporting incorrectly and also that the IRS does not validate anything, including the $ amount of the tax lien. Equifax is refusing to remove the tax lien from my credit report and I feel that they are taking advantage of consumers and are getting away with incorrect reporting. The lien was filed in XX/XX/XXXX and the amount has changed since that time and is not correct at all. Equifax s not following the Fair Consumer Reporting act that states the following : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. '' What I clearly have is an unverifiable tax lien thats reported inaccurately and is really hurting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is a Po box in XXXX, NC showing as an address on my credit report. I have never had a PO box nor have I ever lived in XXXX. This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Despite my several attempts to have Equifax update and correct my credit report, there are several accounts that remain incorrect such as : XXXX # XXXX XXXX XXXX BANK XXXX XXXX XXXX has been paid in full and remains paid off yet is reported as owing a balance of {$360.00}. 
All XXXX XXXX accounts are incorrect. 

The following inquiries were made unknown to me and without my consent : XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards FCTUALDATA Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax continually deletes XXXX then re inserts the information, purposely damaging my credit score causing financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I settled a debt with Bank of America. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' I have sent the documentation to the credit bureaus and they have responded saying that the debt has been confirmed. This is a XXXX debt -- not XXXX -- so anything related to it should be reported as " settled '' -- even if it is associate with XXXX distinct account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax did not process items that were discharged in my bankruptcy. I mailed my discharge to them XX/XX/2016. I did another online dispute XX/XX/2016 and was told I had to mail my drivers lisc. SS Card, and utility bill in order for them to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent letters and online disputes to remove a public judgement from my credit report with equifax. The judgement has been paid and satisfied without no removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have a 7 year fraud victim alert on my Equifax credit report any time I try to order a copy and the automated system wo n't send me a file disclosure it 's been a year and I have the rights to free copies to detect further fraud

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 status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting XXXX XXXX XXXX this was paid in full they sent me the title to my car 4 weeks later and I sold the car 4 months later with a clear title. Then I fine XXXX XXXX XXXX saying I owe them money that is impossible I paid this and already sold the car. Please help me get this deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
Hello, My principal loan amount on my XXXX 2016 statement from Seterus went up XXXX. I have called and written the office for a explanation and the company can not provide any documentation of the increase of my principal balance. I was not given any written corpsependence regarding why. After calling multiple times and faxing for a answer im now being hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I placed a security freeze on my account a year ago after my wallet was stolen with all XXXX credit reporting agencies. I am now trying to lift the freezes so that I can get new lines of credit opened in the future. XXXX and XXXX lifted the freezes immediately, but I can not lift the freeze with Equifax despite contacting them via their website, by phone, and in writing. Every attempt is met with the same form letter to resubmit my request including social security number, proof of identity, etc. in writing even though I have already done so and have a proof of delivery from USPS priority mail that this information was delivered to them. 

I have all of the required information available and my XXXX digit pin, but I can not get them to respond. I also have their hardcopy form letter response. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In early XX/XX/XXXX I learned that there were questionable entries on my credit report after requesting a loan. At that time I requested my free annual credit report from all three bureaus by calling XXXX. In XX/XX/XXXX I received a report from XXXX, but not the others. On XX/XX/XXXX I again called the XXXX number to request my free annual credit report and did not receive them. On XX/XX/XXXX I called for the XXXX time requesting my free annual reports and as of today, XX/XX/XXXX I have not recieved a single free credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Jason A Craig, PC
State: GA

Complaint narrative:
I was billed XXXX for a XXXX I had back in XXXX. This debt was eventually included in a bankruptcy filed in XXXX. This debt was included in my bankruptcy, and Jason Craig & Associates was notified. They continued to try and collect this debt despite this fact. Today is XXXX XXXX XXXX, and this collection agency has sent a letter to me at my new address threatening to submit this old debt to the credit bureaus. Writing them has clearly done no good. Please make them cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have asked and begged Equifax to remove accounts no longer legal able to be on my credit file because they have not verified the information. Like XXXX XXXX did and So did XXXX I am for the Final time before I file a lawsuit asking them to remove 1.Student Loans XXXX that ca n't verified my XXXX and XXXX nor XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I file a lawsuitagainst themthey have 24 hours

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

Complaint narrative:
Equifax is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am unable to get my free credit report from Equifax via XXXX I answered all identity security questions correctly and was denied access to my credit report. 
I had no problem getting my reports from XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As of XX/XX/2017 I have noticed an address on my Equifax credit report that I have never been associated with and would like proof my connection to this address or its immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of id theft. I sent a request to the credit bureaus for a security freeze to my credit with a copy of all my required documents. Equifax did not freeze my credit. I also disputed fraudulent account from XXXX and several inquiries with XXXX, XXXX and XXXX XXXX XXXX XXXX They should have deleted these inquiries and account and sent me a new credit report. They did not update my credit report and send it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Talx corporation, a division of Equifax corporation is a Consumer Reporting Agency as defined by FCRA. Check of my employment records on XXXX/XXXX/2015 indicated that Name and DOB of my dependents are also showing up in my report ( Ref case number XXXX ). There is no purpose for these to be reported on my employment and creates a risk for ID theft. I submitted a request for it to be removed but that has not been agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Both of the collection accounts with Equifax have been previously disputed and removed form my report. Now they are back on the credit report. These need to be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a medical company that states I owe them {$1300.00} and they sent me to two different collection agencies, I sent a letter to the first agency on XX/XX/XXXX requesting proof and never received proof. The second collection agency received a letter on XX/XX/XXXX at which time I also sent the same letter to the Equifax which states I am asking for proof I owe this bill that I have never received. Equifax sent me a letter stating the investigation says they have verified the item belongs to me. I do not understand how they were able to get proof of something I still can not get after a year of asking. I realize a creditor can just say on the phone that the account is valid even when it is not. This is unfair and has lowered my score. Equifax has kept an item on my credit report that has not been proven to be mine and I would like to report this an unfair way of incorrectly reporting on my credit. I would like the inquiry from XXXX Account # XXXX removed from my Equifax Report. All letters was sent certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I filed a dispute with Equifax on XXXX/XXXX/2015 regarding the balance date Equifax is reporting for a short sale we had with XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. The house sold and closed XX/XX/XXXX. My husband and I were denied credit because of Equifax reporting the date for XXXX as XXXX. XXXX reported the date as XXXX. I submitted the XXXX paperwork showing the XXXX date and submitted additional paperwork to explain the dispute. Equifax responded to the dispute on XX/XX/XXXX saying XXXX is reporting the date correctly, however, instead of correcting the XXXX date to XXXX, Equifax updated the date XX/XX/XXXX!!! On XX/XX/XXXX I receive an Equifax alert showing my credit score was dropped by XXXX points from XXXX XXXX as of XXXX XXXX to XXXX XXXX as of XXXX ) due to information changing on my report. Because Equifax changed the date for XXXX to this month, it appears that our short sale just occured a few days ago instead of 4 years go which is why our credit score was impacted. I called Equifax today and talked to a rep and her supervisor. I was informed that a dispute will negatively affect my credit score and I have to " wait until things settle down and it goes back up ''. The XXXX rep said they can not change the date showing for XXXX or restore my score because " they have no control over it '' even though I have paperwork showing the correct information. I asked the Equifax rep and the supervisor to provide me a copy of my credit report from XX/XX/XXXX to XX/XX/XXXX so I can see what changed to affect my score this way. XXXX said they can not do that. On the Equifax website, the latest credit information I can see is through XX/XX/XXXX. The XXXX is the ONLY negative information against my report and NOTHING has changed from XX/XX/XXXX including no additional debt, etc so there is NO reason for my credit score to drop XXXX points in a week! As a consumer, I should be able to dispute inaccurate information being reported against me and it should not negatively affect my credit score. I understood that credit reporting agencies have a responsibility to correct inaccurate information especially if the consumer is being denied credit or refused preferred rates because of the incorrect information. I am filing a formal complaint against Equifax for refusing to correct inaccurate data even with documentation and with XXXX agreement the correct date is XXXX. I am also filing a formal complaint for Equifax dropping my credit score because I filed a dispute to get the data correct. I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Some creditor is reporting an inaccurate address/information. I disputed the inaccurate information & it was removed but my credit monitoring reported a new address and the entry is back. 

XXXX XXXX XXXX XXXX XXXX, XXXX be removed indefinitely as I do not live there. Also I want to know who/why this is being reported as my current address so I can investigate any potential fraud resulting from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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:
I have filed a complaint four different times and they continue to send the same standard letter saying they find it as a valid inquire, yet the company has told me it was concerned that it was fraud and they cancelled the approved loan. I have tried to upload the fraud form and their system does n't provide for a way to upload this form. This is my personal information and yet they wo n't change my file to reflect the truth. How are these reporting agencies allowed to share a persons personal and financial information to anyone without any regards to the actual consumer, and in turn will not provide any information the actual consumer but instead protect the person committing the fraud.

Company response to consumer: Closed with explanation